Why Choose a Certified Mortgage Planner

CMPS credentials offer a client assurance of integrity and knowledge as these mortgage professionals have been reviewed and endorsed by a national professional body, The CMPS Institute.

You are seeking advice on how to manage one of largest single categories of your investment portfolio. Considering that a properly structured mortgage can improve your overall financial situation, it makes sense to draw on a highly experienced qualified opinion to guide you on how to implement a mortgage that can improve cash flow, safely manage the equity in your home, and help you conserve and build wealth.

Less than 2% of the Mortgage Professionals practicing today have this certification. Depending on the type of lender you work with, they may not even have formal licensing. Many large institutional lenders (banks) are not required to have licensed loan officers.

What is CMPS

CMPS is training, examination, certification and an ongoing membership program for financial professionals who provide mortgage and real estate advice.

The CMPS curriculum incorporates the five essential CMPS skill sets related to integrating a client’s mortgage, debt and home equity strategy into their overall financial plan:

  • Financial Market and Interest Rate Analysis
  • Cash Flow & Debt Analysis
  • Real Estate Equity Management
  • Real Estate Investment Planning
  • Mortgage & Real Estate Taxation Concepts

A Certified Mortgage Planner focuses on the financial industry, the economic health of our national, international and local economies and advises clients based on these factors that will directly impact their mortgage now and the value of their asset, their home, now and in the future.

What to look for in a Lender

Here are a few of the topics a qualified lender should be able to discuss. You are seeking advice to invest a sizeable portion of your monthly cash flow. Take the time to seek out a Certified Mortgage Planner who can offer advice on the following list of questions.

  • What is the current unemployment rate in your local market and what impact does it have on home values?
  • What are mortgage rates based on?
  • Where are mortgage rates headed in the days and months to come and what are the trends and economic reports that will drive them up or down?
  • How can you save money on income, estate and capital gains taxes when buying and selling real estate?
  • What are the specific financial strategies pertaining to seniors?
  • If I am planning to change jobs or careers how will that impact my borrowing power?
  • Can I afford a second home? What if I rent it part of the time?
  • What are the top 5 tax benefits of investing in real estate and the mortgage planning techniques that make these strategies even more profitable for real estate investors?

CMPSFor additional information on Certified Mortgage Planning visit the CMPS Website.