12 Mar Elective: Don’t Guess Through a Short Sale, Mar. 12 [VIRTUAL] Elective: Don’t Guess Through a Short Sale, Mar. 12 [VIRTUAL] Thursday, March 12, 2026 (9:00 AM to 1:00 PM) 4.0 Education Credits Live Online - Zoom Brokers, Continuing-Education, Financing/Mortgages, Julia Iden, NC Elective, NC Law, Residential CE, Short Sales/Foreclosures, Virtual via Zoom, Workforce Housing Certificate Program (WHCP) Don't Guess Through a Short Sale | 03-12-26 | Virtual via Zoom Details You're Registered! DescriptionLocationInstructorsCancellation Policy NEW Elective: Don't Guess Through a Short Sale - Virtual via Zoom Thur., Mar. 12, 2026 from 9:00 am - 1:00pm CREDIT HOURS: 4 hours - NC Elective *As of July 1, 2024, if you're a non-resident with a real estate license in South Carolina, you now need to take CE courses that are specifically approved by South Carolina, rather than using CE courses from your home state to satisfy SC requirements. These courses need to be offered by SC-approved providers and meet the standards set by the South Carolina Real Estate Commission. TUITION FEE(S): $50.00 (Members); $65.00 (Nonmembers) To learn more about Julia Iden (Instructor), click to see profile. COURSE DESCRIPTION: This course provides real estate professionals with a practical, step-by-step understanding of the short sale process from initial listing to final approval. Participants will review the essential paperwork involved, including listing agreements, contracts, MLS entries, earnest money handling, and required short sale addenda. The course explains how to identify and work with the correct departments and decision-makers within mortgage servicing companies, as well as expected timelines set by regulatory agencies. Agents will also learn how short sales impact homeowners, including credit consequences, potential tax liability, deficiency judgments, and foreclosure alternatives, with reference to how these issues appear on the Closing Disclosure. Finally, the course covers how to assemble and submit a complete short sale package, confirm receipt by the servicer, evaluate property valuation methods, manage multiple offers, and determine when a short sale is truly considered approved. This class is being offered online live-stream through Zoom. Please review our Synchronous (live-stream) Class Technology requirements. Please be sure the have latest version of the Zoom application downloaded to your computer/tablet BEFORE class. COURSE MATERIALS: Course materials will be located in your student dashboard available for download via your Virtual Canopy Campus prior to start of course. A PDF copy will also be emailed to students one business day prior to class (Friday for Monday courses). NOTE: Hard copies of student materials may be available upon request by emailing canopyreinstitute@canopyrealtors.com. Shipping and handling charges will apply if request is for delivery. Arrangements must be made for request by pickup at our office. Canopy Real Estate Institute is located at 1120 Pearl Park Way, Charlotte, NC 28204 and open Monday through Friday, 8:30am to 4pm, excluding holidays. ATTENDANCE REQUIREMENT: Students are required to attend 90% of this class. Students cannot make up missed time due to lateness or absences. Students should ensure they can attend the required classroom hours before registering for a class. Students cannot use the allotted 10% to leave the class early. COMPLETION & PARTICIPATION REQUIREMENT: You will not receive credit for class time and participation if you fail to adhere to the policies outlined in our Policies and Procedures Disclosure. COURSE CANCELLATION & RESCHEDULING: Canopy Real Estate Institute reserves the right to cancel or reschedule courses that have not yet begun as needed. Our minimum enrollment requirement is ten (10) students. Students enrolled in a rescheduled or cancelled course that has not yet begun will be given a minimum of 24-hour notice of the cancellation or new course schedule. Students will have the option to reschedule to another course or receive a full tuition refund, if applicable. Students who cannot attend the rescheduled course date(s) have the option to be counted as absent, reschedule to another course, or receive a full tuition refund. CE WITHDRAWALS/TRANSFERS/REFUNDS: Canopy Real Estate Institute DOES NOT provide refunds for continuing education courses. A student may withdraw from a course by giving written notice to the school prior to day of course. In such event, the student will be rescheduled to a future course or registration placed on HOLD status. Courses due to transfers, rescheduling or registration HOLDS must be completed on or before June 10 of the same license period and CANNOT be applied to another license period. A student may transfer their course registration one-time with no penalty, provided that the new course is comparable, hasn't started and the fee remains unchanged. However, if additional transfers are needed, the student will forfeit the fee and be obligated to pay the full amount again Have questions? Need help registering? Call our office at (704) 372-2984 or email canopyreinstitute@canopyrealtors.com. Live Online - Zoom Live Online - Zoom Julia Iden Julia Iden has spent her career working with homeowners experiencing mortgage default and guiding industry professionals through complex loss mitigation and workout processes.She began her career in 1987 as an auditor for GE Mortgage Insurance Company (GEMICO). In 1995, she transitioned into GEMICO’s Loss Mitigation Department as a negotiator—serving as the decision-maker responsible for approving short sales and alternative workout solutions. In 1997, Julia was promoted to Corporate Default Manager, where she traveled nationally to train mortgage companies on structuring effective workout strategies that maximized successful closings while ensuring homeowners were offered appropriate loss mitigation opportunities.In 1999, Julia became the on-site Loss Mitigation Consultant for Freddie Mac at Washington Mutual, where she held a $5 million loss-authority approval level.In 2003, she began developing continuing education courses approved by the North Carolina Real Estate Commission, the North Carolina Banking Commission, and the North Carolina State Bar. She was the first to introduce Short Sale continuing education classes in North Carolina for real estate agents, loan officers, mortgage brokers, paralegals, and attorneys.Julia has served as Southeastern Regional Vice President and National Board Member of the National Association of Professional Mortgage Women (NAPMW), as well as President of the Raleigh Triangle chapter. She has also been active with the Raleigh Mortgage Bankers Association.Her contributions to real estate education have been widely recognized. She received the North Carolina Real Estate Educators Association “Program of the Year” Award (2013), and her continuing legal education course, “What Options Does My Client Have?”, earned the North Carolina State Bar Association’s “Best of the Best” Award (2012).Additionally, Julia was selected by the North Carolina Real Estate Commission to update Chapter 13: Legislation, Practices, and Procedures for the 2008–2009 edition of the North Carolina Real Estate Manual. COURSE CANCELLATION & RESCHEDULING: Canopy Real Estate Institute reserves the right to cancel or reschedule courses that have not yet begun as needed. Our minimum enrollment requirement is ten (10) students. Students enrolled in a rescheduled or cancelled course that has not yet begun will be given a minimum of 24-hour notice of the cancellation or new course schedule. Students will have the option to reschedule to another course or receive a full tuition refund, if applicable. Students who cannot attend the rescheduled course date(s) have the option to be counted as absent, reschedule to another course, or receive a full tuition refund.CE WITHDRAWALS/TRANSFERS/REFUNDS: Canopy Real Estate Institute DOES NOT provide refunds for continuing education courses. A student may withdraw from a course by giving written notice to the school prior to day of course. In such event, the student will be rescheduled to a future course or registration placed on HOLD status. Courses due to transfers, rescheduling or registration HOLDS must be completed on or before June 10 of the same license period and CANNOT be applied to another license period. A student may transfer their course registration one-time with no penalty, provided that the new course is comparable, hasn't started and the fee remains unchanged. However, if additional transfers are needed, the student will forfeit the fee and be obligated to pay the full amount againHave questions? Need help registering? Call our office at (704) 372-2984 or email canopyreinstitute@canopyrealtors.com.