If so, any full time pro should have your answer, just spend ten minutes discussing this.
If you don't have a Real Estate Broker, contact me at 317.796.9825 cell/text and I can walk you through step by step to getting the home you want at the least possible price. There are loop holes and back doors available in the system that I exploit for my clients.
I've been doing this for a while, wrote the book that has been used to teach Real Estate Agents/Brokers across the nation and am an expert in the short sale process.
Derek B Crager
Real Estate Broker
NMLS # 6395
Financing Kentucky One Home at a Time