You go to the 2nd and tell them that since the first is HAFA, BofA is only allowing $x to go to the 2nd for a full release and you need them to send you that in writing immediately. Then you both laugh at the joke and hang up. I've had issues with the 2nd agreeing to HAFA, ESPECIALLY if it is a Purchase loan or HELOC. Unlike mortgages, those loans do not disappear with a foreclosure and so most 2nd's are unwilling to settle for peanuts and give up their collection rights.
Who and what is the 2nd and how much is BofA offering?