I realize that this inquiry is old but it is vague and there is very little to go by. Judy would have to just reach out to a Realtor directly. Hopefully by now she would have and this transaction would be long behind her.... more
Typically you DO have to show hardship to qualify for a short sale. Your debt to income ratio needs to be above 30-35% and you must have a reason for having to sell; lost your job or took a pay cut & now you can't afford the mortgage, have to move to another city for a job, health emergency, etc. Check with your bank and see what their requirements are.