depends on the bank If the agent has had training and knows what proceedure and the bank is set up to process your inquirey quickly I have closed one in 30 days I have talked to agents that say they have had sales that took a year after they had a buyer for the back to clear the paper work on the loan.
It all depends. I list quite a few short sales with BOA and the quickest that I have done is 45 days list to close. I have also waited 60 days for an appraisal update to be ordered and completed so that we could proceed. The level of the negotiator with BOA does not matter. I have found the best turn around time comes from normal negotiators not operations managers.