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We had a surprise just before closing on what we thought was a traditional sale.  We found out the seller had a loan modification in 2015 that include and $80,000 junior lien from HUD. This made the payoff about $20,000 short to close and HUD would have to agree to take $60,000 to $65,000 and release the lien and note. According to the seller's attorney, HUD doesn't negotiate.  I don't believe that because after 500+ closed short sales I've never experienced a lender that would not work with us.

QUESTION:  Has anyone in SuperStar land negotiated a short sale with HUD as the junior lien holder and will they negotiate?

Has anyone been having an even more difficult time getting the approvals over the last 4-5 months than usual?  Seems like lenders are holding back since the market has gotten better or is it just me?