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CYOA
A friend of mine has been in a similar situation a couple of times and I believe they just lied, and all was fine.
IIRC they went on a big holiday after quitting DayZ and came back without jobs to find their mortgage was up. Due ot being higher risk (no jobs) it looked like they were going to have a higher interest rate and therefor pay more (huh?) but they just ticked the "yeah all the same thanks" box on the mortgage and saved themselves 100s a month.
Thats what they told me anyway. No personal experience.