I have some clients that have been approved for the HAFA program and I have listed their home.  We have signed the SSA with BOA, and are waiting for an offer.  My clients, who are newly unemployed have asked if they can stop paying there mortgage to try and save some money.  They are current on their mortgage, and are now starting to run into money problems. 

If they stop paying their mortgage will they run into problems in the Short Sale process?  Will it "rock the boat" with the HAFA program?  I don't want to tell them that is OK to stop paying and have it become a problem down the road.

Any suggestions out there?