You can ask any thing. However, Every situation is different and depends on the bank, investor, mortgage insurer and processor handling the case. It will also depend if there are any rights for a deficency. If your asking if they will accept less from the home owner I can almost guaranty that they will not accept less from the home owner/ mortgagor.
First Weber Group
Certified Distressed Property Expert
We have made less than offers before the the auction date and found that as long as the money did not come from the homeowner, it came form a family member or friend, the lenders would take less without considering it as short.
It never hurts to try.
Buy a home after foreclosure expert.