light a match?
He should be fine. The banks take FOREVER....to do a lock change, not to mention winterize.
My neighbor works through Fidelity with all these foreclosures so, I know all about how they operate.
Hell, a buddy of mines brother has a house that he hasn't paid on in 2 years! Keeps telling them "go ahead foreclose, I don't care". They wanted him to refi at HALF! and he turned them down, dumbass. He called them up couple months ago, "So, how long do I have before I'm kicked out?" They say they don't own the mortgage anymore and and infact after looking into it's turned over twice since and new lender isn't really aware it's in default (how couldn't they?) and when they do it will be another 12 months after that for foreclosure proceedings, which could easily turn into another 12mo. Go figure? So, he could be living there for another 2 years, no rent...