"The Show Must Go On"

[Wonka]

So I think I am back to square one.

WH,

No. You're not back to square one.

It does me no good if H cannot refi the house.

How so? How does that affect you? He can't refi the house. So be it. Then it will have go to a short sale and he'll have to give you half of the proceeds plus the $3,000 that he owes you.

Then you'll have it spelled out through your L that the house will need to be put up for a short sale if he cannot refi the house within the next 30-day period.

Just wait...just wait...I won't be surprised if the OW's father offers to take on the house's deed/mortgage.