Do VA loans need to be deliquent when requesting a short sale?

No, but it's unlikely you would be able to do the short sale if you cannot prove a hardship. (lost job, illness or injury, death of co-borrower or spouse, etc.). Typically lenders will allow for a short sale as an alternative for a pending foreclosure.. When a borrower experiences a hardship and they are not able to maintain the payments, then the lender will offer different solutions to help.. one of them being a short sale. and the fact that you've been able to make your payments will make it difficult for you to prove to the lender that you have a hardship that needs to be considered in allowing you to short sell. I'm a Broker here in Scottsdale AZ and I only lend in Arizona. If you or someone you know is looking for financing options, feel free to contact me or pass along my information. William J. Acres, Lender411's number ONE lender in Arizona. 480-287-5714 WilliamAcres.com