Answer technically is no. Short sales are when you sell the house for LESS than you owe, and the bank is willing to accept the "shortage" so to speak. Just because YOU make no profit does not make it a short sale.
Remember, whether or not you list and/or sell using a Realtor and therefore also have to pay commission, there will be additional costs involved. They can include attorney fees, document recording fees, any repairs you may have to make after inspections, etc.
If you dont have sufficient funds available to cover those costs after paying off the mortgage, I would speak to someone whether it's your attorney or a financial person or even an agent familiar with short sales to get an approximation of what the actual costs to you may be.
I'd ask . . . do you have the liquid funds to pay the realtors fees and closing costs? Have u missed any payments?
Sounds like you would like to avoid the short sale and the detriment to your credit, but are still "other fees" that will be owed to which you need to consider.
Francesca Patrizio, Broker Sales Associate, ePro, SRES
It will not be a short sale unless you plan to ask the mortgage company to accept less than you owe them. If you come up with the total payoff amount at closing of escrow, its not a short sale. Many people have actually sold their homes for less than they owe, but use their own funds to make up the difference to pay off the mortgage. That situation would not be considered a short sale.
Although I'm not in your area, I am an SFR Short Sale/Foreclosure specialist so feel free to contact me directly with any questions.
SFR Short Sale Foreclosure Specialist
NJ & PA Licensed
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All the best to you.