I am concerned about getting approved for my short sale b/c my mortgage was current. I qualify according to all of the other guidelines except the mortgage being current for HAFA guidelines - I'm not even sure if that is the program they are trying to get approval from to be honest.

I attempted to miss last month's payment, however, Fifth Third took the payment from my checking (where there was no money in it) and now I need to pay overdraft fees and such b/c they will not reverse mortgage payment, even though there was no money there!

Anyways, I feel really discouraged and I wait for a decision and I wonder if this has ruined my chances of getting approved for my short sale. I still have about 10 days to wait for a decision.

Does anyone have any experience with being current and still going forward with the short sale? I have already accepted that I would walk away with some sort of promissary note. My hardship is divorced and loss of that income.