I tried to refi, but when the appraisal came out, the value was low. it is $ 50K lower than the purchase price. So, refi didn’t happen. I called my lenders. 1st lender said they cannot modify my loan because I won’t be able to afford it. They suggested that I call the 2nd lender to work out a short pay. The 2nd lender said that they will send me the materials to fill out the request for a short pay. Ocwen is my second lender. They sounded that they are willing to work with me. It sounded too good to be too easy to do. I have a good credit score. My question is, what can delay Ocwen to agree for the short pay?