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My rationale is that if I can’t get the house refinanced at a lower rate – (because a lien is blocking me to do so) then – I could let the first take the house – at current market value – the first wouldn’t get enough to pay off the first so the second wouldn’t see a dime – I would think they would rather get something than nothing at all – with no recourse to come after me for the difficiency – since the actual debt would have been discharged.