lien implications from a 2nd mortgage charged off

I am starting to understand some of what is happening to me, but I have a concern. I am likely days away from a 2nd mort being charged off because they simply do not understand my plight as I have offered a reasonable amount to settle the debt with the lender before it reaches the charge off stage, but they just don't seem willing, even though they'll get even less this way. I have all the necessary info in place with them and have even reached the stages of working directly with a "closer" (whatever that means), but he doesn't seem to want to deal with what seems logical to the other departments that have escalated this along the seemingly never ending chain to him. He wants more than I can borrow from my family at this rate.

So I plan to settle with the CA as quickly as possible for less, etc, but the question remains: Can the lender keep the lien in place on the home and try to collect from any potential proceeds if I eventually sell the home in the future? So I guess what I am really asking is two part - How do I remove the lien once I have settled the debt or is it gone, etc?

I know, or at least I think I know, that settled debt stops the collection and considers the credit listed as "charge off paid" or "settled collection" etc. But I don't care about that credit stuff. I care if a lien is still in place. Common sense tells me, it's got to be removed if the debt is settled, because it would seem so how illegal if the debt is settled and they could still come after more $$ later, but I don't know.