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How to get lender to approve deal with promissory note?

Here is my story. I live in Las Vegas/Henderson and own a house that has been on the market for 7 months with very little action. I have reduced the amount down as far as I can go to break even. I received an cash offer for 20K less than I owe. Have two lenders, 1st Countrywide, 2nd Chase. I don't have 20K to make this deal go through and the seller wants to close in 20 days, so I don't have the time to go through with a short sale. My question is, will one of these lenders short 20K if I sign a promissory note for the 20k? I have never been late on any payments and my credit is very important to me. If I lose this buyer, I am going to walk away from the home, as I lost my job here and need to relocate back to So. California where there are a few more jobs available. Any help or suggestions would be appreciated. I am not looking to get anything for free, just trying to keep this deal together. thanks!

Public Comments

1. the only person who can answer that question is the lender, so talk to them.
2. the lender or an unsecured note from another lender is what you may need