Can a HAFA short sale be done with just the Wells 2nd?  The first is also Wells but it is taking too long due to the death of the note holder,etc.  Too long of a story but essentially the market pricing now will be able to pay off the first completely and give the 2nd around $12k on a $77k loan (second has already approved that they will accept $6k in this short sale as Wells first required the 2nd to approve their amount first before submitting to FHA).  Trying to look for a different way to attack a short sale that has taken over 4 years to do.  Way too long of a story but it involves the note holder's death, no money for probate, no will, etc.  Now market is going crazy here and if I can get 2nd to take a less amount and leave the widow alone as far as default judgment....may be able to finally get this silly thing done!  Anyone?