newbie needs help with short sale

[Adam Harrison]

A relative is interested in doing a short sale. The house is in Sunland, CA. They have a first mortgage with Bank of America for about $240,000 and a HELOC with National City Bank for around $90,000. According to Zillow, the estimated worth of the house is around $340,000, but there is deferred maintenance and once Realtor's commissions are factored in, there is not enough equity to sell the house.

Any ideas on how I can help them. Anyone have experience working with National City Bank?

Thanks.