Effective this month HUD has new rules regarding short sales of it's inventory.  The rules require an "arms length" transaction, the home be in default, and may even pay the seller an incentive.  For more information on this issue CLICK HERE.  While our area does not have the numbers of HUD homes that are found in the larger population areas, we do see one occassionally.  If you have an FHA loan and you think this situation might apply, contact a Lake Barkley Realty agent for assistance in gathering information to make a sound decision.