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You can't do a short sale without the lender's approval. If a short sale is possible, ask what documentation you'll need to seek approval. The typical short sale documentation package requires: 1  A hardship letter that explains why you can no longer repay your mortgage.ith a short sale, you accept an offer on your home that's less than what you owe on your mortgage and your lender forgives the remaining debt -- the difference between your mortgage balance and the net proceeds from the sale.
BEST ANSWER. Alma Kee, Agent, Tampa, FL. Forgot to answer your question... on a Short Sale you normally MUST close within 30 or 45 days of the approval so it's possible you may have to close within 45 days or it could take 6 months or a year or it may never close.f you have time contraints, you must be in a home by a certain date...don't do a Short Sale! Once you and the Seller agree on terms and have a ratified contract it will take the first lender 45+ days to respond.