Availability by state

State Restrictions

Last updated: July 26, 2026

Shortsale Genie™ is a workflow platform sold to licensed real-estate professionals, brokerages, and short-sale negotiators. Distressed homeowners access the platform through their agent’s account — homeowners cannot subscribe directly, and Shortsale Genie™ does not accept payment from a homeowner in default on their mortgage.

The following US states have additional statutes governing anyone paid to assist a homeowner facing foreclosure or short sale. In these states, homeowner self-service accounts on Shortsale Genie™ are not available until we complete state-specific registration or partner with a locally licensed operator. Licensed agents and negotiators in these states are unaffected and may continue to use the platform.

California

Cal. Civ. Code §§ 2945 et seq. (Foreclosure Consultants Act) & Cal. Civ. Code § 2945.45

Foreclosure consultants must register with the AG and post a bond; upfront fees from homeowners are prohibited.

Maryland

Md. Real Prop. §§ 7-301 et seq. (Protection of Homeowners in Foreclosure Act — PHIFA)

Any for-profit foreclosure-consulting service to a Maryland homeowner requires strict compliance with PHIFA and contract-form rules.

Minnesota

Minn. Stat. §§ 325N.01 et seq. (Foreclosure Consultants)

Advance-fee restrictions and mandatory rescission-notice language for anyone paid to help a homeowner in default.

Illinois

765 ILCS 940 (Mortgage Rescue Fraud Act)

Written contract, cooling-off period, and licensing standards for distressed-property consultants.

Nevada

Nev. Rev. Stat. § 645F.300 et seq. (Foreclosure Consultants / Covered Service Providers)

Licensing and bond requirements enforced by the Nevada Division of Mortgage Lending.

Oregon

Or. Rev. Stat. § 646A.700 et seq. (Foreclosure Consultants)

Registration, written contract, and prohibition on advance fees from homeowners.

Washington

Wash. Rev. Code ch. 61.34 (Equity Skimming) & ch. 19.134 (Credit Services Organizations)

Restrictions on for-fee foreclosure-avoidance services and distressed-home consulting.

This page is informational and is not legal advice. Statute citations are non-exhaustive and may change; consult your own licensed attorney about compliance in any jurisdiction where you operate.