What is CMPS?

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

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 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

With such a wide range of subjects to be mastered, the educational process doesn't end once the designation is earned. There is a strong commitment among CMPS Members to continuing education through conference calls, seminars and self-study.

Why be Certified?

Certification is the public's assurance that an individual has met rigorous, peer-developed and reviewed standards endorsed by a national professional body. 

• The CMPS Institute can be used as a third party to verify the credentials of a mortgage professional.
• Certification is a fundamental standard among major professions in this country.
• Certification is important for internal professional recognition, external verification, and accountability.

How do we execute our Mortgage Plans?

• Your Personalized Mortgage Plan enables you to make the best financing choice by assessing every component of each loan option over a period of time. By understanding the total cost and total benefits, you will have full knowledge to make the best decision.
• The RateWatch Review offers you the opportunity to monitor the performance of your mortgage on an ongoing basis. You will have the information you need to determine if the changes in your life or in market conditions warrant fine tuning of your mortgage instrument.
• The Annual Equity Review service takes an in-depth look at your complete equity and debt positions, providing you with the information you need to make informed, mature, and timely decisions that will optimize your equity for short- and long-term planning.