Agreed. They are good agents and I have dealt with them before which is one of the reason I think it would go well. Most of the Credit Unions use the same servicer. I have done a few shorts with credit union loans (though not SDCCU), all were handled by the same servicer and all went well. With a second of only 55K, even if they only get 4K from the 1st, it would only take another 10K from someone to get them 25% which should get it done.