Junior lien payoff

[Sean Dougherty]

Not sure I am posting this in correct forum.

I am buyer in this situation:

My seller just went through a divorce and husband is not cooperating. Both names on title. Wife now has court approved authority to sell without husband's signature. 

Did prelim title report. Junior lien popped up in husband's name. It was a personal loan from local bank. It is not a mortgage or home equity lien, but it is somehow attached to house. Title is telling me this lien must be paid in order for home to sell. With that lien attached there is no equity in home. 

How does a personal loan become attached to real-estate? Is there a way to detach this loan from the home?

[Wayne Brooks]

@Sean Dougherty You’ll get better ideas if you keep this deal in one thread, not three. In this one, you never said the two liens together were more than the house is worth.