Depends on

 each creditor's policy and the type of loan, debt may

 accept apps from borrowers even if the borrower

 is not in default with their payments. Due to the heavy

 number of guilty borrowers due to mortgage failures

 and other causes as section of the 2008-2012 global finance

 crisis, many creditors have become adept at processing

such short sales applications; however, it can now take

 several months for the process from start to end,

 often require more then one levels of approval.