Lenders have little incentive to breeze through short sale
borrower can actually pay for the shortage. Doing all that takes time, and the lender may have different layers of people looking at documents and then approving everything.
If the lender has turnover, you may find that there are different people to deal with at every stage in the short sale process. As new people filter in, they have to get up to speed on the deal, and that can take even more time.
The system isn’t perfect and it eats up time. The more money the lender will lose, the more time it may take to process and approve the short sale. At the end of the day, just when you think you’re almost done, the lender may consider whether foreclosure could end up giving the lender a better result.
The only advice we can give you is to keep pushing the lender to make a decision. And, hopefully, your short sale will close.