The overlying concepts that everyone needs to keep in mind is two fold, Lenders do not want to make the short sale process easy and lenders do not want to employee more people so they can loose more money approving short sales.
Here is my short sale page on my web site with detailed articles on the short sale process.
Dwayne & Maryanne Moyers
Top 2% of Realtors Nationwide
Now, mortgage servicers must follow the policies outlined for all conventional mortgage loans held in either agencyâ€™s portfolio. Servicers are â€œencouragedâ€ to follow these requirements with respect to mortgage loans sold to either Fannie or Freddie, including FHA, VA and USDA loans they may have purchased.