Certified Short Sale Experts - CSSE

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Certified Short Sale Experts - CSSE Our certification gives you the tools, templates
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CSSE trains real estate agents, brokers, attorneys, and other professionals along with lender and loss mitigation teams to master short sales – the fastest growing niche with major market opportunity.

BROKERS AND TEAM LEADERS: SHORT SALES COULD BECOME ONE OF THE MOST PROFITABLE DEPARTMENTS IN YOUR OFFICE!Short sales are...
10/14/2026

BROKERS AND TEAM LEADERS: SHORT SALES COULD BECOME ONE OF THE MOST PROFITABLE DEPARTMENTS IN YOUR OFFICE!

Short sales are coming back, and for brokerage owners, this represents a tremendous opportunity to develop an entirely new revenue stream.

Think about it. What if you could establish a short sale department within your brokerage that generates additional income, attracts new listings, supports your agents, and creates opportunities for even more business?

As an added bonus: “Aggressively Priced” short-sale listings can be a huge tool for increased buyer lead generation as well! Further increasing your office’s transaction count and market share.

When structured correctly, a centralized short sale department can become an almost "set it and forget it" profit center, operating with minimal involvement from the broker or owner.

We're getting ready to launch a brand-new Certified Short Sale Experts (CSSE) Broker/Owner Training Course!

I've already written the course, which walks brokers and team leaders through exactly how to establish, staff, manage, and profit from their own short-sale department.

Now we're adding something extra, and I'd like your help.

I'm hosting a live webinar to record additional training videos for each module.

Rather than just sitting in front of a camera talking, I'd like to have brokers, owners, and team leaders join me for discussions and Q&A.

We'll cover everything from setting up the department and staffing it to processing files, generating business, managing profitability, and avoiding the mistakes that can make these operations more complicated than they need to be.

The discussions and Q&A will become part of the supplemental training materials in the new online course, which will be available shortly.

Here's something I've said for years: You don't have to personally work short sales to make money from them. You just need to have the right systems and people in place.

If you're a broker, owner, or team leader interested in building another profitable income pillar within your office, I'd love to have you participate.

JOIN US LIVE — BRING YOUR QUESTIONS!

HOW TO BUILD A PROFITABLE SHORT SALE DEPARTMENT

Oct 20, 2026 11:00 AM Central Time (US and Canada)
Register: https://us02web.zoom.us/webinar/register/WN_tmz8x1EOSR6YWVIIFV-gnw

After registering, you will receive a confirmation email containing information about joining the webinar.

We've just published our October “Certified Short Sale Experts®” Newsletter with nearly 40 pages packed with market inte...
10/13/2026

We've just published our October “Certified Short Sale Experts®” Newsletter with nearly 40 pages packed with market intelligence, practical strategies, and opportunities for real estate agents and brokers!

SHORT SALES ARE COMING BACK - AND THIS IS NOT THE SHORT-SALE BUSINESS YOU REMEMBER FROM 2008!

Short sales are becoming one of the fastest-growing opportunities in real estate.

For agents who understand how to find and manage them, they can mean more listings, more closings, and a potentially very profitable new source of business.

And here's something important: Short-sale properties can be aggressively priced to attract buyers, and today's processes have improved considerably from what many agents experienced during the last housing downturn.

HERE'S JUST SOME OF WHAT WE COVER:

2.25 MILLION mortgages are delinquent or in foreclosure: why that matters to your future listing inventory.

1.65 MILLION seriously underwater properties: why the actual pool of potential short-sale candidates could be considerably larger.

THE HIDDEN EQUITY TRAP: Why homeowners who appear to have equity may actually owe more than they can NET from selling their homes.

HOW TO FIND SHORT-SALE LISTINGS BEFORE EVERYONE ELSE: Including overlooked opportunities involving HOA liens, mortgage delinquencies, and homeowners with declining equity.

WHY LENDERS AND SERVICERS ARE CHANGING THEIR APPROACH: The financial reasons short sales and coordinated sales are becoming increasingly attractive for lenders.

BUILDING A SHORT-SALE REFERRAL NETWORK: How to generate business through other Realtors, attorneys, mortgage professionals, housing counselors, and title companies.

WHAT THE INDUSTRY IS SAYING: Updates from the Five Star and NADP conferences, plus the latest short-sale articles appearing in major real estate publications.

YOUR SHORT-SALE BUSINESS ACTION PLAN: Practical steps to start identifying opportunities, marketing your expertise, and generating listings NOW!

AND THERE'S MUCH MORE!

For over a year now, we've been telling agents and brokers to prepare for the return of short sales. Now the rest of the industry is beginning to catch on.
The opportunity is growing, but so is the competition.

You don't need to wait for the market to get better to start doing more business.

You need to understand where the business actually is!

We publish this FREE newsletter EVERY MONTH through Certified Short Sale Experts® to keep real estate professionals informed about distressed-property trends, short sales, foreclosure alternatives, and opportunities to grow their businesses.

No matter whether you've handled hundreds of short sales or have never completed one, there's information here you should know.

READ THE ENTIRE OCTOBER NEWSLETTER FREE at the Certified Short Sale Experts® website!

https://certifiedshortsaleexperts.com/


SHORT SALES ARE ACCELERATING - GET THERE BEFORE THE CROWD!A few months ago, we were telling agents that short sales were...
10/07/2026

SHORT SALES ARE ACCELERATING - GET THERE BEFORE THE CROWD!

A few months ago, we were telling agents that short sales were coming back.

They’re not coming back anymore. They’re already here! - And the opportunity is developing faster than many expected.

Short-sale activity is increasing. Serious mortgage delinquencies are rising. Foreclosure activity is climbing. More homeowners are discovering that once partial claims, deferred balances, HOA liens, taxes and selling costs are added up, the equity they thought they had no longer exists.

That creates a growing need for agents who actually know how to handle these situations.

And right now, there aren’t nearly enough of them.

That’s the opportunity.

Some agents are already learning how to turn this changing market into motivated sellers, salable listings, closings and income while most of the industry is still fighting over the same traditional listings and internet leads.

This is going to be a 3 - 5 year run for the agents who learn this business now and position themselves correctly.

Join Equator and Certified Short Sale Experts® for a FREE live webinar:

SHORT SALES ARE ACCELERATING - GET THERE BEFORE THE CROWD!
Thursday, October 22, 2026
12:00 PM Eastern | 11:00 AM Central | 9:00 AM Pacific

We’ll cover:
• Where the next distressed-property listings are found
• Why 90+ day delinquencies should matter to agents
• How to identify potential sellers before they hit crowded foreclosure lists
• Why HOA liens, partial claims and hidden debt are becoming increasingly important
• Which loan vintages deserve attention
• How short sales and coordinated sales become listings and closings
• How to position yourself to be found by lenders and servicers through Equator & CSSE

The agents learning it now have are already getting listings.

Stop waiting for the old market to come back.

Learn how to work the market that is here right now.

REGISTER HERE:
https://us02web.zoom.us/webinar/register/WN_ZpFomjysSQqmtV5RLS3V8A

I always enjoy attending the NADP conferences, formerly known as “REOMAC”. I’ve been involved with this organization and...
09/30/2026

I always enjoy attending the NADP conferences, formerly known as “REOMAC”. I’ve been involved with this organization and attending these events since 1995, and it continues to be one a great opportunity to meet with other professionals in the default, short sale, and REO industry.

The client turnout is always strong, and we’ve already scheduled several meetings on behalf of our members.

If you’re a lender, servicer, asset management company, investor, or industry partner attending NADP, I’d be happy to meet with you.

The full resources, tools, contacts, experience, and national network of the CSSE are available to help with problem areas, difficult markets, coverage needs, vendor issues, disposition challenges, or anything else where we may be able to assist.

If there’s an issue you’re trying to solve, a market where you need additional support, or simply an opportunity to work together, please reach out. I’m always happy to sit down, listen, and see how we and our members can be of help.

Looking forward to catching up with so many old friends, clients, and industry peers in St. Petersburg.

563,000 MORTGAGES ARE ALREADY 90+ DAYS DELINQUENT - BUT NOT YET IN FORECLOSURE.That is the number every real estate agen...
09/23/2026

563,000 MORTGAGES ARE ALREADY 90+ DAYS DELINQUENT - BUT NOT YET IN FORECLOSURE.

That is the number every real estate agent and broker should be watching!

Once homeowners reach this serious a level of delinquency, catching up becomes almost impossible.

Some may be able to sell conventionally. Many will quickly discover that partial claims, deferred balances, HOA liens, taxes and selling expenses have eliminated the equity they thought they had.

Those homeowners need short sales to avoid foreclosure.

This is a substantial future listing pipeline - but most agents will not recognize it until the properties appear on public foreclosure lists and everyone begins chasing the same homeowners.

Smart agents will prepare now & know how to find them first!

Join Equator and Certified Short Sale Experts® for this FREE live webinar:

BAD REAL ESTATE MARKET - GREAT PROFITS!
IF YOU KNOW HOW TO DO THE BUSINESS.

Thursday, September 24, 2026
12:00 PM Eastern | 11:00 AM Central | 9:00 AM Pacific

Learn where the next distressed-property opportunities will come from, how to identify homeowners earlier and how short sales and coordinated sales will become listings, closings and income.

The distressed-property pipeline is already here.

Will you be ready?

REGISTER NOW:
https://us02web.zoom.us/webinar/register/WN_ICeegojiSUuJ-vXkffo6UQ

40,277 FORECLOSURE FILINGS - REOs UP 42% YEAR OVER YEARThe August foreclosure numbers are in, and the trend continues mo...
09/17/2026

40,277 FORECLOSURE FILINGS - REOs UP 42% YEAR OVER YEAR

The August foreclosure numbers are in, and the trend continues moving higher.

According to ATTOM:

40,277 properties had foreclosure filings - up 1% from July and 13% from last year.

25,894 properties started foreclosure - up 7% year over year.

5,794 properties completed foreclosure and became REO - up 22% in one month and 42% year over year.

That 42% increase in completed foreclosures is the number everyone in the distressed-property industry should be watching.

South Carolina, Nevada and Florida posted the nation’s three highest foreclosure rates. Florida also led the country with 3,189 new foreclosure starts, while Punta Gorda had the second-worst foreclosure rate among major metropolitan areas.

Texas recorded an extraordinary 1,835 completed foreclosures - nearly one-third of all REOs reported nationwide during August. (Texas has one of the nation’s fastest foreclosure timelines - so it always leads and sets the pace that the other markets then follow)

This is not another 2008-style collapse happening overnight. It is a slow-burning distressed-property cycle that continues building month after month.

Many homeowners will still have opportunities to avoid foreclosure through loan modifications, conventional sales, short sales and lender-initiated coordinated sales - but only if they receive qualified assistance early enough.

For agents and brokers, the message is clear: The business is changing!

The professionals who understand short sales, loss mitigation, foreclosure timelines, and REO will be the ones positioned to help these homeowners, and receive the business as the market continues changing.

THE DISTRESSED PROPERTY CYCLE ISN’T COMING...

IT IS ALREADY HERE!

Data source: ATTOM August 2026 U.S. Foreclosure Market Report

UNDERWATER HOMEOWNERS MAY BE MUCH HIGHER THAN REPORTED.ATTOM reports that 3.2% of America’s mortgaged homes are now “ser...
09/17/2026

UNDERWATER HOMEOWNERS MAY BE MUCH HIGHER THAN REPORTED.
ATTOM reports that 3.2% of America’s mortgaged homes are now “seriously underwater,” meaning the homeowner owes at least 25% more than the property is worth.
With approximately 51.7 million mortgaged homes in the United States, that represents roughly:
1.65 MILLION “SERIOUSLY UNDERWATER” HOMES
The situation is moving rapidly in the wrong direction:
• Seriously underwater homes increased from 2.7% TO 3.2% IN JUST ONE YEAR - an increase of approximately 18.5%.
• Underwater rates worsened in 33 states and Washington, D.C.
• Equity-rich homes fell from 47.4% to 41.1% in one year.
• The equity-rich share has declined for four consecutive quarters and is now at its lowest level in nearly five years!
But those numbers do not show the full problem.
ATTOM compares estimated property value with estimated mortgage debt. It does not deduct the 8% to 10% it can cost to sell a home - including commissions, title charges, transfer taxes, repairs, concessions and other closing expenses.
Consider a home worth $400,000:
• Mortgage balance: $368,000
• Paper equity: $32,000
• Selling costs at 8%: $32,000
• Selling costs at 10%: $40,000
This homeowner appears to have 8% equity. In reality, the homeowner may barely breakeven - or need to bring $8,000 to closing.
That means homeowners with mortgage debt equal to 90% to 92% of their property’s value may already be effectively underwater once the cost of selling is included.
Recent mortgage data identified approximately:
1.1 million borrowers with actual negative equity
Another 3.2 million borrowers with less than 10% equity
Approximately 4.3 million homeowners who may be unable to sell without bringing cash to closing (making them effectively under water and in need of a short sale)
That is roughly 8% of all mortgaged homeowners - or approximately ONE OUT OF EVERY 12.
And insufficient equity is only part of the problem.
Homeowners are also facing rapidly rising insurance premiums, property taxes, HOA fees, special assessments, utilities and everyday living expenses. Many homeowners with little or no usable equity are also struggling to make their monthly payments.
Low equity alone does not create a short sale. But when low equity is combined with delinquency, job loss, divorce, medical expenses or unaffordable housing costs, the homeowner may have only three choices:
1. Bring cash to closing
2. Allow the property to go through foreclosure
3. Complete a short sale
For millions of financially stressed homeowners, bringing cash to closing is not an option.
The short-sale market is not “coming back someday.” It is already returning. The demand is already building - and it will continue rapidly growing for the next several years.
These homeowners will need trained real estate professionals who know how to calculate true net equity, identify liens, assemble complete short-sale packages, communicate with servicers, negotiate approvals and get these transactions closed.
THE DEMAND IS HERE.
HOMEOWNERS NEED HELP.
AGENTS NEED THE EXPERTISE.
Now is the time to learn how to handle short sales - before the demand overwhelms the industry’s limited number of experienced agents.
Learn more at CertifiedShortSaleExperts.com.
See also: Drowning in Debt: Q2 Underwater Mortgages on the Rise

STOP CHASING THE SAME FORECLOSURE LISTS AS EVERY OTHER AGENT.By the time a foreclosure filing becomes public, the opport...
09/16/2026

STOP CHASING THE SAME FORECLOSURE LISTS AS EVERY OTHER AGENT.

By the time a foreclosure filing becomes public, the opportunity is obvious - and the competition is already fierce!

The homeowner will already be receiving calls from agents, investors, wholesalers and every company purchasing the same data.

Smart agents are learning how to recognize financial distress earlier.

They are watching HOA liens, properties financed in 2019, 2023 and 2024, FHA and VA loans, hidden partial claims, limited equity and other signs that a homeowner may need to sell.

That is where agents can easily find highly motivated sellers, salable listings – before everyone else!

Join Equator and Certified Short Sale Experts® for this FREE live webinar:

BAD REAL ESTATE MARKET - GREAT PROFITS!
IF YOU KNOW HOW TO DO THE BUSINESS.
Thursday, September 24, 2026
12:00 PM Eastern | 11:00 AM Central | 9:00 AM Pacific

Learn how to:
• Find distressed-property listing opportunities before everyone else
• Identify overlooked HOA lien leads
• Target the loan vintages most likely to produce short sales
• Turn short sales and coordinated sales into listings, closings and income
• Position yourself to be found by lenders and servicers using Equator

The agents who recognize this opportunity first will have the advantage.

REGISTER NOW:
https://us02web.zoom.us/webinar/register/WN_ICeegojiSUuJ-vXkffo6UQ

DO YOU THINK THIS IS A BAD REAL ESTATE MARKET? WE DON’T.It is certainly a more difficu...
09/10/2026

DO YOU THINK THIS IS A BAD REAL ESTATE MARKET?

WE DON’T.

It is certainly a more difficult market - but difficult markets can create tremendous opportunities for agents who understand where the business is moving.

Many of us have always made more money in a down market than in an up market.

The difference is knowing what to look for and preparing before everyone else catches on.

This month’s Certified Short Sale Experts® newsletter explains where easy listing opportunities are developing, including short sales, pre-foreclosures, seriously delinquent mortgages, HOA liens and the 2019, 2023 and 2024 loan vintages.

The market has changed. The agents who change with it can build an extremely profitable business while everyone else is complaining about how bad things are.

Read the September newsletter here:

https://certifiedshortsaleexperts.com/certified-short-sale-experts-monthly-newsletter-september-2026/

SOME REAL ESTATE AGENTS WILL FAIL IN THIS MARKET.Others will make more money than they ever made before.What separates t...
09/10/2026

SOME REAL ESTATE AGENTS WILL FAIL IN THIS MARKET.
Others will make more money than they ever made before.
What separates them?
The successful agents will recognize that the real estate business has not disappeared. It has moved.
We believe real estate is entering a five-year distressed-market cycle. More borrowers are becoming seriously delinquent, many homeowners have limited equity, HOA liens are growing, and short sales and coordinated sales are returning.
This is bad news for unprepared agents - but it can create tremendous opportunities for professionals who know where to find the business and how to handle it.
Join Equator and Certified Short Sale Experts® for this FREE live webinar:
BAD REAL ESTATE MARKET - GREAT PROFITS!

IF YOU KNOW HOW TO DO THE BUSINESS.
Thursday, September 24, 2026
12:00 PM Eastern | 11:00 AM Central | 9:00 AM Pacific
Learn where distressed listings are developing, how to identify homeowners before foreclosure and how short sales and coordinated sales can become easy listings, closings and income.
Stop waiting for the old market to return.
Learn how to succeed in the market we have while other agents continue failing by doing business the old way.
REGISTER HERE:
https://us02web.zoom.us/webinar/register/WN_ICeegojiSUuJ-vXkffo6UQ

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