Hello Yavonne. If the house is listed with an agent, then the offer has to be submitted to the listing agent, who in turn submits a short sale package to the lender(s). If the house is not listed with an agent, you'd have to submit your offer to the property owner, who then would have to deal with the banks and negotiate the short sale. In short sales, the banks are not the property owners, but they have to approve the offers because they are not getting paid in full at the closing. However, the contract is still between the property owner and the buyer and the banks approval is a condition, which means that the seller can't sell unless the bank approves the contract. While you can theoretically submit an offer without an agent. I would not recommend it as you want to make sure that the offer contains all the necessary short sale terms. Good luck to you.