How or "if" to negotiate junior liens in a short sale.

[Sean Dougherty]

Trying to wrap my head around this process.

I have a seller who has a home underwater. Selling via short sale. She is divorced an although husbands name is still in on title, she has court approved authority to sell home without his signature.

There were 2 junior liens attached to the home.

1) Child support liens of husband. We were able to successfully detach this lien from the house.

2) Lien from ex-husbands private loan ($20k).  Is there a way to detach this lien from the home as well?

Should we attempt to detach that lien before we submit an offer to lender?

Or should we submit offer to lender and let them deal with the junior lien?