[tblack44]

I'm doing a hafa sale and found out it a lien from the second loan that is a charge-off what do I need to do the close on my house

[Fr_Chuck]

I am sorry, charged off is merely an accounting term, that means they don't expect to be paid, and have taken it as a tax deduction ( a very simple version of it)

A write off does not mean that you don't still owe them and if they do get paid, they will have to refile income on this for the write off. The lien is very valid and will have to be paid.

You can work with them and see if they will accept a partial payment to release the lien. But until they are paid or will work out a deal, the lien is valid and will not allow you to do the sale.