I have a XXXX lien showing up on the Title to my home that I need subordinated in order to qualify for a rate & term refinance. I am trying to pay off my 2nd mortgage which was taken out when I purchased the property, and fix my adjustable rate on my primary mortgage. Both of my current mortgages were taken out at the time of purchase, in XXXX of 2005. This XXXX lien from Sovereign bank needs to be subordinated, and it benefits them to subordinate it. I have made all payments on it in a timely manner, and by subordinating the lien Sovereign moves into a 2nd lien position, & the transaction will provide me with less monthly overhead, freeing up money to ensure that I continue making the payments for the Sovereign lien ... Sovereign refuses to subordinate this 3rd lien and will not provide an explanation as to why ... It is advantageous for them to do so, and makes sense for all parties. I need to do this refi, and in order to make it happen I need them to agree to subordinate ... 
