Also, call the Cleveland Housing Network at http://www.chnnet.com/ 216.574.7100 and they may be able to point you toward resources that can assist you as well.
Short Sales are becoming more and more common. If you have a buyer for your home, be sure that they can truly qualify to purchase your home. Yo will need to fill out a complete package of information for your Lender. This will include a Hardship letter, a complete breakdown of your current finances as well as several other key documents.
If you have questions, please feel free to email me and I will be happy to give you sound advice. We work with short sales in the Cleveland area and have a specialist that can assist you.
Check out my blog http://daytonohiorealestateandmortgages.com/category/avoid-f this will take you to several posts in reference to short sales and different options. If you would like I would be happy to discuss some options with you and if a short sale seems like the best of the options available for you help you with that process as well. Please send me you contact info and/or call me at 937-353-4600 tomorrow I would be glad to help.
Please contact your own lenders & communicate of your situation, you may be able to keep your home by loan modification or short refinance after they review your financial status or you may be advise of short sale; at the same time please contact HUD for advise. http://www.hud.gov/foreclosure/index.cfm . A local realtor who has experience of short sale could also help you.