The bank is under no obligation to do a short sale and are not interested in making a short sale a “smooth and trouble-free transaction”.

Here are a few ways to get your short sale rejected with the lender:

1. Don’t complete your short sale package
2. Having your agent or attorney write your hardship letter (to be sent to the lender)
3. Having an inexperienced real estate agent negotiating on your behalf with the bank
4. Don’t answer all the questions the bank asks.
5. Don’t be willing to relinquish your assets
6. Showing unwillingness to work with the bank prior to asking for a short sale
7. Threaten the bank, by just leaving the house with the door open
8. Suggesting a short sale a week before the foreclosure sale is scheduled
9. Treating it as an emotional instead of a business transaction
10. Not willing to leave your ego in the closet during the short sale process