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Short sales add an additional layer of documentation, particularly to prove hardship.
Sellers, be aware of the tax implications of a short sale. In most cases, the IRS treats canceled debt as income. If your lender forgives the $100,000 balance that you owed on your mortgage, the Internal Revenue Service will tax that $100,000 as income. Either way, it seems like a good time to call your accountant.

A short sale means buying or selling a home for less than the balance owed on the mortgage. To do this, the seller has to convince the mortgage lender to forgive or cancel the unpaid debt. A seller would do this if they are very behind on mortgage payments, in order to avoid foreclosure.
How long does the short sale process take? Short sale transactions are complex and can take months to get approved. Even if the buyer and seller agree on a fair market price, the lender can deny the request.

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