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Cindy Ertman

Success Strategist
Speaker, Coach, Best-Selling Author

Cindy Ertman spent over a decade as one of the top mortgage originators in the country while training, inspiring and coaching other mortgage professionals throughout the U.S. to do the same.

After being acknowledged as one of The Top 100 Most Influential Mortgage Executives in America by Mortgage Executive Magazine – two years in a row – and achieving her goal of seven-figure success as a Mortgage Banker, Cindy has now dedicated her life to empower the growth of others. She has developed a track record of helping high achievers shift the way they see the world and expand their vision of possibility by teaching them her personal success approach called The Defining Difference®.

Cindy Ertman is a catalyst for transformation who has taught individuals from all walks of life – including entrepreneurs and business leaders – how to make outcome-driven choices to positively impact the course of their future.

A dynamic speaker, coach, best-selling author, TV host and success strategist, Ertman is CEO and Founder of The Defining Difference, a company devoted to helping people master the power of intentional choice to create a defining difference in their own lives.


  • Cindy’s coaching programs help you get more out of life by teaching you how to make powerful, intentional choices to propel your income and achieve peak performance, nurture your health and wellness, build connected relationships and reduce stress by removing the blocks that limit your potential.
  • She coaches a limited number of clients on a semi-annual basis and is now offering a limited number of FREE Coaching Sessions for qualified professionals. Submit your information via the button below to find out if you qualify.
Cindy empowers you to make outcome-driven choices that allow you to live life by design… rather than by default.

Her coaching program focuses on the following objectives:

  • Develop action plans to propel your business and increase your income
  • Chart your success by utilizing outcome driven choices to guide your everyday actions
  • Design a life and business vision to create a more balanced and fulfilled life
  • Career, leadership and sales advancement strategies
  • Practicing mindfulness in order to reduce stress and improve performance
  • Learn to improve relationships through enhanced communication skills
  • Specific ways to transform your life to live with intention & purpose
  • How to “show up” as your “authentic self” to let others see the real you

Cindy’s Coaching Programs

The Defining Difference® 6-Month Platinum Coaching Program was created for professionals who are top-achievers that want to lean in to their power, redefine their story, and expand their vision for what is possible in their lives.

  • This coaching program includes pre-scheduled coaching calls where you work with Cindy to define your vision for your life and then use the power of outcome-driven choices to transform your current reality and design a life of greater purpose, passion, and prosperity.

The Defining Difference® VIP One Day Coaching Assessment is a powerful one-day session held with Cindy in Southern California that helps you to create an even bigger vision for yourself and your life.

  • During this one-day focused assessment, you will develop a Total Success Blueprint for your life.
  • This Blueprint will cover the 7 Key areas of your life and will support you in developing intentional choices and goals for each area of your life to create the future you desire.


No matter which level of coaching you choose, you’ll gain access to The Defining Difference® key strategies and techniques that can help you to master the power of intentional choice to up-level your game and create a defining difference in your life.

What Coaching Clients Are Saying…

  • Cindy has truly really helped me take my business to the next level and gain perspective on life in general. She has helped me make profound discoveries about my own self-limits and has helped me have the courage to shift those beliefs and step outside of my comfort zone. Since I have been coaching with Cindy at The Defining Difference I have seen a 25% increase in sales in my own business. I highly recommend working with Cindy if you are looking for a way to take it to the next level! She is the real deal!!!!

    Nicole Francis
    Nicole FrancisNicole Francis Sr. Loan Advisor RPM Mortgage, Inc.
  • "My experience with Cindy Ertman has been a life altering event. We focus not only on core business practices, but the importance of life balance. I have increased my production by over 30% this year and have closed over $100MM this year. But more important is that I am working less hours, have become a true leader to my team, and have been able to identify my “value” proposition for myself, my team, and my life. I am extremely humbled and grateful."

    Michele Town
    Michele TownExecutive Loan Advisor - Arbor Financial Group
  • "I've been coaching with Cindy Ertman for the last year and she challenges me with key questions that help me unpack my own limiting beliefs, fears, desires and then helps me to take deliberate steps to achieve what I am after. She encourages me beyond measure and has pushed me to work outside of my personal comfort zone. It feels amazing to push myself beyond what feels safe professionally and to see fruitful outcomes as a result of this. Cindy’s coaching has been instrumental to my growth and I am deeply grateful."

    Michelle Mollura
    Michelle MolluraRegional Sales Manager - RPM MORTGAGE, INC.
  • Being able to spend the day with Cindy was an amazing and transformational day for me.  Her ability to share her wisdom and experiences to help me create a vision of my future and a process to make it a reality, was exactly what I wanted.  If you are looking for a way to make your Defining Difference a reality, I would strongly urge you to contact Cindy!!

    Dave Williams
    Dave WilliamsExecutive Vice President and National Production Manager - WR Starkey Mortgage, LLP