Short Answer, no. I counsel many people on short sales. I list many homes as short sales. Many people going into a short sale have the same sort of reluctance. They feel as though they are horrible people and bad financial planners. I tell them that back when they purchased the home, they were approved by a lender. The lender based their loan by taking a snapshot of their current financial status and making a forecast of their financial future. The lender attached the home to the loan as collateral. The lender assumed that in a worst case scenario, the home could be sold to pay off the loan. The fact that this is impossible for their lender to do today, is a result of the economy, not necessarily a bad financial decision. So, I tell my clients, do the short sale and move on with life.