For any homeowner in trouble, they need to figure out if they want to keep the property. 1) She can sell it in a normal sale process, if the purchase offer can pay off all liens on the property. 2) She can sell it as a short sale. Her divorce is a hardship that the lender will allow to approve a short sale. 3) Deed in Lieu, where you just hand the keys over to the bank 4) file for bankruptcy. If her husband does not care about losing the home and the wife does not care, then not much can be done because someone has to care about what happens. If you want to do a short sale, both the husband and wife will need to work on it together, getting the proper documentation to submit to the bank.