2nd borrower problem

The second borrower does not want to participate in the short sale. She never lived in the house. She never made a payment, only her daughter lived there by herself and the daughter made all the payments.The bank advise the daughter to do a quick claim deed and take the mother of the deed. We deed that, its is a FHA mortgage. The file was submitted to HUD for a variance approval. The approval was denied. ANY HELP PLEASE.

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