Now, as the first comment responded, if it is your current house, you cannot buy that as a short sale. What you would have to do is speak to your lender and make arrangements. Depending on the bank, they might be able to work out something convenient to both parties, and if not at least it was worth a try.
If you are looking into buying a short sale property, maybe one seen on a listing on the MLS consider that it doesn't necessarily mean that it has been negotiated. Some banks donâ€™t negotiate short sales until the Seller is couple of payments late, however there are some distressed sellers that ask their realtors to list it as short sale in order to get views. The process is long and by no means short. As said before, as a Buyer, you don't lose anything in talking to a Realtor that is experienced with this process, and see what options there are with this one or other properties.
With a short sale, you could be opening a can of worms. Our best advice is to become engaged with a skilled real estate professional that will be able to steer you clear of the "pit falls." By your own admission, "you need help".... a good agent could help beyond your wildest imagination.
The "Eckler Team"
Century 21 Almar & Associates
Venice, Fl 34285