What is CMPS?

You can be assured that a mortgage professional with CMPS credentials has met rigorous, peer-developed and reviewed standards endorsed by a national professional body. The CMPS Institute was formed as a joint effort by leaders in the mortgage and financial planning industries to raise professional standards among mortgage professionals and integrate sound financial planning advice into the mortgage process. Recognized for its preeminence within the industry, the CMPS curriculum represents the core knowledge expected of residential mortgage advisors, regardless of the diversity of specializations within the industry.

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

Why do you need a Certified Mortgage Planning Specialist?

• Your single largest debt - mortgage
• Your single largest asset - real estate equity
• Life Planning needs and goals - cash flow

CMPS professionals are skilled in helping you become debt free sooner and achieve true financial freedom

CMPS professionals are equipped to help you profitably invest in real estate and protect you from mortgage and real estate investment scams

CMPS professionals are qualified to help you implement mortgage and real estate equity strategies to help you save money on income, capital gains and estate taxes

CMPS professionals are committed to help you improve your credit score and get the best deal on your financing

CMPS professionals are able to explain the benefits and drawbacks of paying off your mortgage before retirement, and help you to determine which strategy works best under your individual circumstances

CMPS professionals can guide you in implementing the best home equity and mortgage strategies for divorce situations

CMPS professionals can help you implement a financial strategy to finance your children's education

CMPS professionals are equipped to better enable you to financially care for your elderly parents

CMPS professionals are able to help you implement beneficial mortgage and real estate equity strategies before and during job or career changes

CMPS professionals can help empower you to start or sell your business by implementing viable mortgage and real estate equity strategies

CMPS professionals are able to recommend the proper financial strategies when you are ready to buy or build a vacation home

CMPS professionals are committed, qualified and equipped to help you implement mortgage, cash flow and home equity strategies to build and conserve wealth when buying a home or refinancing your mortgage

CMPS professionals have pledged to follow a Code of Ethics