Back in 2006 I started negotiating short sales.  This is a very time-consuming process and could take from months to years to complete. You are able to occupy the property and are encouraged to during the process.   A short sale is when a property owner owes more on their mortgage(s) then their property is worth.  The lender discounts your loan amount so you can sell your property.   The majority of short sales that are approved have some sort of financial hardship. Please reach out to me for more information to see if you are a candidate for a short sale.