If you got a good enough deal even if there are other liens it may be worth paying them off to eliminate problems when you do go to sell/refi.

If one has a software system that eliminates human error, great. 

@Kevin Fox the city council is voting Monday to eliminate Development and Impact fees, which will make this 8-20K cheaper to permit.

Half of it is eliminated?

I won’t look to necessary take more money out (see point 2), but the goal here will be to eliminate FHA mortgage insurance.

If the Transferor/seller will not realize a gain on the transfer of the Hawaii property, the Transferor/seller may apply to the Department, using Form N-288B, for a withholding certificate that reduces or eliminates the amount to be withheld by the Transferee/buyer.

If you say it early, it should weed out and eliminate fakers... just tell them you like to be very transparent with any fees.    

The foreclosure eliminates all those junior liens. 

There are many other screening criteria to use to eliminate applicants you do not want.

This would apply to a refinance also, since the original mtg would be eliminated, and replace.As @Tom Gimer mentioned, Ocwen usually services loans in default.