Apply after you pass the exam
The referral panel application is only available to agents who have completed The Cusp’s free training and passed the free exam (16 of 20). Passing is how you receive the application link and a personal pass code.
See how the process works · Start the training
Passing qualifies you to apply; it does not guarantee a place on the panel. Questions: hello@thecusp.app.
Join the referral network
The Cusp sends divorcing people to a small panel of agents in each market — two to start, and never more than the ceiling published for a market of that size. Two separate things happen here, and it matters that you do not confuse them.
Anyone holding an active real estate license can become certified. Training, assessment, certification and your verification page are free, and your county does not have to be open. A place on a referral panel is a different thing — scarce, free, and filled from the certified when one comes up. It cannot be bought at any price by anybody, including you.
In most states an automatic order takes effect the moment a divorce is filed, barring either spouse from selling or encumbering property. An agent who takes a listing in breach of one has created a problem that nobody can unwind — not the client, not the brokerage, not us.
Most agents have never heard of one. That single fact is why there is a training kit rather than a sign-up form, and why nobody receives a referral having skipped it.
Places are limited in each county, and we add seats as demand grows. To be considered, an agent needs at least 6 transactions over the past 2 consecutive years, a rating of 4.7 stars or higher on public platforms such as Google and Zillow, at least 10 positive client testimonials, and no history of disciplinary action on their license.
Meeting the criteria does not guarantee a place. Referrals go to agents on the panel, so the panel is not listed publicly. Certification is open to every licensed agent whether or not a seat is available.
The short version6 points · tap one to jump to it
- Who is eligible — Click the firm name on the sheet, type your own over it, and print.
- How it works — We verify it against the state regulator rather than taking the screenshot at face value — the screenshot tells us where to look.
- If your county is already full — Get certified anyway. It costs nothing, it takes about forty-five minutes, and it is the only route onto a panel that exists.
- What you would be agreeing to — Deed transfers are public records, and we read them.
- What we promise in return
- Apply
In this subject 7
Who is eligible
The short version6 points · tap one to jump to it
- Who is eligible — Click the firm name on the sheet, type your own over it, and print.
- How it works — We verify it against the state regulator rather than taking the screenshot at face value — the screenshot tells us where to look.
- If your county is already full — Get certified anyway. It costs nothing, it takes about forty-five minutes, and it is the only route onto a panel that exists.
- What you would be agreeing to — Deed transfers are public records, and we read them.
- What we promise in return
- Apply
In this subject 7
Four questions to ask a real estate agent — one printable page, carrying our mark and address, with room for the client to write the answers down.
Click the firm name on the sheet, type your own over it, and print. Your browser makes the PDF; nothing is uploaded and nothing is tracked. It is free, and it is free whether or not you are certified.
Hand it to a client before they ask you for it. One of the four is “how many of these have you done?” — a question about you. Giving someone the test is a stronger position than sitting it unprompted. Open the sheet →
Published, so that nobody has to guess and nobody thinks we decided it afterwards. All four have to be true.
An active license, in good standing
We check it against your state regulator ourselves, on the date shown, and again at your license’s own renewal date — which we record when we first check, so the re-check runs on the regulator’s calendar rather than ours. Any unresolved disciplinary action is a no — not a conversation.
At least three closed transactions in each of the last two full calendar years
Six closings across two years, minimum, with at least three in each. It is a low bar on purpose: we are not looking for production awards, we are excluding the agent who renewed a license and did nothing with it. A divorcing client cannot afford to be somebody’s first deal back.
Send us your last six closed sales, straight out of your MLS. That is the same six the rule asks for, it takes about ninety seconds to produce, and because MLS records carry closing dates it shows us the spread as well as the count — five in one year and one in the other is the case this rule exists to catch.
We ask for it before your first referral, not before your first conversation.
A public rating of 4.7 or better, across everywhere you are reviewed
Not your best platform — all of them, taken together, and at least ten reviews in total. Tell us where to look and we will look at every one you name.
The sample size matters as much as the number. Five stars from four reviews tells us nothing; 4.8 from sixty tells us a great deal. And an agent who is 4.9 in one place and 3.1 in another is telling us something that no single-site rule would ever catch.
We do not require a perfect rating and we would be suspicious of one in this work. A divorce sale has two principals, at least one of whom is frequently unhappy however well you behave. An agent who has handled twenty of them has collected a bad review; an agent with a spotless record has probably never handled one.
If you have no public reviews — which is true of plenty of good referral-based agents — give us two recent clients we can call instead.
The training, and its twenty questions
The password for the assessment is revealed by the last question of the training, so you can sit it the moment you finish; we still run the license check before anybody is sent a client. About forty-five minutes. Nobody receives a referral having skipped it, and nobody pays for it.
Free, permanently: applying, the training, the assessment, being certified, your verification page, and your place on a panel. None of that can be bought and none of it ever will be. An agent who pays us nothing and an agent who pays us the maximum receive referrals on exactly the same basis.
Paid, and optional: the annual license to display our certification mark in your own marketing, currently $149 a year, which includes the media kit — social graphics, a client one-pager, a listing-presentation slide and an email signature block.
The mark carries an expiry date on its face, so a license that lapses stops asserting anything. Buying it gets you a graphic and a set of materials. It does not get you a single client.
Read that last sentence again, because it is the one people mishear. Paying for the mark does not put you on a panel, does not move you up the waiting list, and does not affect who receives a referral. If it ever did, the whole network would be worth nothing to the people it exists for — and every agent on it would know we sell placement.
Once you are on a panel, the public rating stops mattering and ours starts. We will email every client we refer to you at seven days and again at six months, and ask two questions: did this agent get in touch, and how did it go. We have not referred anybody yet, so nothing has been asked yet — the first introduction starts it.
Nobody can game that, because we ask the client rather than you — and we tell you we are going to, which is the point.
Completing the training and joining a panel does not guarantee you a single referral, and we will not pretend otherwise. Some counties produce a steady trickle. Some produce nothing for months. Some will never produce anything, because the traffic simply is not there.
A network that oversells its volume wastes your time and ours, and there is no fee riding on your optimism because there is no fee at all.
What we can promise is that if an inquiry comes from your area, it goes to somebody on the panel, and that nobody can buy their way past you.
How it works
You apply, and we check the license and the production ourselves
License state, license number, and a screenshot of your record showing it is active and in good standing. We verify it against the state regulator rather than taking the screenshot at face value — the screenshot tells us where to look.
A day or two, usually. If the county is already taken we say so straight away rather than leaving you waiting.
You get the training and the questions
Seven short modules and twenty questions, drawn from material already published on the site. Around forty-five minutes.
Sixteen of twenty passes. You may sit it as many times as you like and there is no charge for any of it, ever. Several questions are written so that the obvious answer is the wrong one — which is why the mark is sixteen rather than twenty, and why every question explains itself the moment you answer it.
You do not have to take the training first. If you already know this material, sit the questions and skip the modules; we mark it the same way. An assessment that can only be passed by taking one company’s course is a course with a test attached, and we would rather have a standard.
You sign two things, and the county is yours
A one-page network letter that sets out the county and how you lose it, and — separately, for each client — a standard per-client referral agreement. The referral agreement goes to you first and comes back signed before the introduction is made. Nobody’s name reaches you, and you are not introduced to anybody, until it is executed. That protects you as much as us: it is the document that establishes the fee is owed by your brokerage rather than by the client, and it is agreed before anyone has met.
The referral fee is 30% of the gross commission on the client’s side, valid 24 months, paid by your brokerage on a completed transaction — nothing up front, and nothing at all if it does not close.
We are asking for 30% because a client who reaches you through us has read our house material, been told what an automatic order is, and asked for an introduction by name. That is not a lead, and we do not price it like one — in either direction. Nothing is payable by you at any other point, ever.
If your county is already full
Get certified anyway. It costs nothing, it takes about forty-five minutes, and it is the only route onto a panel that exists.
Ordered by the date you certified. Nothing else.
The panel itself is not published anywhere. We keep an internal roster for each market and make introductions from it, in certification order, as requests come in for that market. A reader never sees a list of agents and you are never ranked against anyone; you hear from us when there is a client to introduce.
A place opens two ways, and the second one is the one people do not expect.
One: somebody leaves. An agent moves, stops responding, or loses their place. When that happens we go to the certified agents in that county and start at the top of the list, which is whoever passed first.
Two: the county gets busier. A panel starts at two. We add one more place for every six genuine inquiries that market produces in a year, up to the ceiling set by the table below, and we fill the new place from the same list in the same order.
We do not decide it. Population does, and you can check it. The ceiling for a market is set by the table below against its population as published by the US Census Bureau. A panel still starts at two everywhere and earns its way up — one further seat for every six genuine inquiries that market produces in a year — but it can never pass the ceiling for its size.
| Market population | Maximum seats |
|---|---|
| Under 100,000 | 2 |
| 100,000 – 400,000 | 3 |
| 400,000 – 800,000 | 4 |
| 800,000 – 1,500,000 | 5 |
| Over 1,500,000 | Split into named sub-markets, each taking its own ceiling from this table |
Why the largest counties are split. Los Angeles County has around ten million people in it. Five seats across the whole of it would mean a place in Beverly Hills and a place in Lancaster were the same thing, and they are not. So counties above 1.5 million are divided into named sub-markets, published in advance, and each one runs as its own small panel.
The sub-markets, published in advance as promised. These are the named market areas we use where a county is too large to run as one panel — the ordinary designations agents in those places already use, defined by the cities in them so there is nothing to interpret.
Los Angeles County, California
Westside (Beverly Hills, Santa Monica, West Hollywood, Brentwood, Pacific Palisades, Culver City, Malibu) · South Bay (Manhattan Beach, Hermosa Beach, Redondo Beach, Torrance, Palos Verdes) · San Fernando Valley (Sherman Oaks, Studio City, Encino, Woodland Hills, Burbank, Glendale) · San Gabriel Valley (Pasadena, Arcadia, San Marino, Monrovia) · Central and Downtown Los Angeles · Long Beach and the Harbor · Santa Clarita Valley · Antelope Valley
Orange County, California
North Orange (Anaheim, Fullerton, Brea, Yorba Linda) · Central Orange (Irvine, Tustin, Orange, Santa Ana) · Coastal Orange (Newport Beach, Huntington Beach, Laguna Beach, Dana Point) · South Orange (Mission Viejo, Ladera Ranch, San Clemente, Aliso Viejo)
San Diego County, California
Coastal North (Del Mar, Solana Beach, Encinitas, Carlsbad, Rancho Santa Fe) · Inland North (Escondido, San Marcos, Poway, Vista) · Central San Diego (La Jolla, Pacific Beach, Mission Hills, Downtown) · East County (El Cajon, La Mesa, Santee, Alpine) · South Bay (Chula Vista, Coronado, Imperial Beach, National City)
Every other county currently runs as a single market. When one passes 1.5 million and needs dividing, its sub-markets go on this page before we take an application from it — so nobody certifies for a market whose boundaries we then redraw around them.
None of this moves for money. Not the ceiling, not the escalator, not the order of the list. The table is here so that you can check what your market is entitled to rather than take our word for it — which is the same standard we hold every other claim on this site to.
The cap is real and it stays at five. A panel that grows without limit is a directory, and a directory is worth nothing to the agents on it — which is the entire reason we are not one.
Not whoever paid, not whoever asked most recently, not whoever we liked best. First come is the only ordering rule that cannot be quietly sold, which is exactly why it is the one we use. It is the same reasoning as the rule that governs the directory.
We will tell you honestly where you sit and how often that county has actually turned over, including when the honest answer is “it never has and it may not”. A waiting list nobody moves up is a waiting list we should not have put you on.
The certification itself, and your verification page, whether or not a place ever opens. Some agents want the credential more than they want our referrals — they work divorce sales already and want something checkable to show for it. That is a perfectly good reason to be here and we would rather say so than pretend everybody is queuing.
What you would be agreeing to
All of it is in the network letter, and none of it is buried. The short version:
- Contact a referred client within one business day. These are people in the worst month of their lives and a slow reply is not a neutral event.
- Before taking any listing, confirm in writing whether a court order restricts the sale or encumbrance of the property. This is the most important term in the letter and the reason for the training.
- Tell us within ten days when you sign the client, when the deed is recorded or the sale closes, and when a client decides not to proceed.
- Give no legal or tax advice, and express no view on how equity should be divided. Referring to a CPA on the closing-date question is not a courtesy, it is the rule.
- When your two clients are not speaking to each other, put everything in writing and copy both of them, every time.
Deed transfers are public records, and we read them. A closing we discover that you did not report ends the county immediately, whether or not the fee is eventually paid. We do not publish which day we look.
We would rather say that out loud now than catch somebody later. Everything else on this list is a conversation; that one is not.
What we promise in return
- We will not sell your county to anyone, at any price. Placement here is not for sale and never will be. That is the same rule that governs the professional directory and it is the reason either of them is worth anything.
- We will not oversell the volume. Completing the training and taking a seat does not guarantee you a single referral and we will not pretend otherwise. A network that inflates what it can deliver wastes your time and ours.
- We will not pass your details to anyone, or use your name in marketing, without asking first.
- Either of us can end it, any time, in writing. Agreements already signed on referred clients survive.