To Purchase a House, Ethel Obtains a Mortgage Loan from Fidelity

To purchase a house, Ethel obtains a mortgage loan from Fidelity Bank. Later, Ethel is unable to make payments on the loan. Meanwhile, the market value of the house has declined. Fidelity agrees to a sale of the property for less than the amount due on the loan. This is

A) forbearance.
B) a short sale.
C) a workout agreement.
D) a deed in lieu of foreclosure.