A Certified Mortgage Planning Specialist (CMPS) is a recognized expert in the area of mortgage planning, cash flow management and real estate equity management. A CMPS is an invaluable resource for homeowners, first-time home buyers, move-up home buyers, senior citizens, real estate investors, Realtors, builders, attorneys and financial advisors. A CMPS is committed, qualified and equipped to help you build your dream home, invest in real estate, increase your cash flow, become debt free sooner and achieve true financial freedom. 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 analysis • Debt analysis • Real estate equity management • Real estate investment analysis

Why do you need a Certified Mortgage Planning Specialist? • You deserve expert advice and the highest level of professionalism when dealing with a mortgage broker or lender! • CMPS Members have demonstrated financial knowledge and expertise regarding the tax and financial planning implications of various mortgage and real estate investment strategies. Therefore, CMPS Members can better advise you when it comes to your largest debt (mortgage) and your largest asset (real estate equity). • CMPS Members are trained to help you increase your cash flow, become debt free sooner and achieve true financial freedom • CMPS Members are equipped to protect you from mortgage and real estate investment scams • CMPS Members are qualified to help you save money on income, capital gains and estate taxes • CMPS Members are committed to help you improve your credit score and get the best deal on your financing • CMPS Members 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 Members can guide you in implementing the best home equity and mortgage strategies for divorce situations • CMPS Members have pledged to follow a Code of Ethics