Less than 1% of Mortgage Originators nationwide hold the CMPS designation.
What is a CMPS and why should you work with SENW?
SENW chooses to raise the Bar.
Why work with average when you can work with the best? When it comes to your financial future, don't you deserve superior attention and advice? That is what we believe in: Taking time to educate you and help you navigate the often confusing lending landscape.
You will feel relief and comfort knowing that you have a plan that addresses your long and short term financial needs and have an asset and debt manager working for your best interests!
Certified Mortgage Planning Specialist (CMPS):
1. Training: CMPS professionals have demonstrated extensive knowledge and expertise regarding the tax and financial planning implications of various mortgage and real estate investment strategies.
2. Life Planning: CMPS professionals can help you identify your financial goals and create a plan to help you achieve them harnessing the power of your single largest asset - your real estate investments.
3. Achieve True Financial Freedom: CMPS professionals are skilled in helping you become debt free sooner and achieve true financial freedom through education and implementation.
4. Safe Investing: CMPS professionals are equipped to help you profitably invest in real estate and protect you from mortgage and real estate investment scams.
5. Tax Advantages: 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.
6. Credit Education: CMPS professionals are committed to help you improve your credit score and qualify for the best financing available.
7. Mortgage or Cash: 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.
8. Legacy Planning: CMPS professionals can help you implement a financial strategy to finance your children’s education, weddings, caring for elderly parents, or future generations.
9. Employment or Income Changes: CMPS professionals are able to help you implement beneficial mortgage and real estate equity strategies before and during job or career changes.
10. Empowerment: CMPS professionals can help empower you to start or sell your business by implementing viable mortgage and real estate equity strategies.
11. Investment Analysis: CMPS professionals are able to analyze and recommend the proper financial strategies when you are ready to invest in rental properties or vacation rentals.
12. Code of Ethics: CMPS professionals have pledged to follow a Code of Ethics to advise based on the best interests of the client and not the potential profit of a certain program or structure.
Loan Officer:
1. Minimal Education Required by State: Invests the minimum into being the professional advisor to their clients.
2. Commodity Lending: The value the loan officer is in saving the client a $100 in closing costs not lifetime advice on achieving life goals, creating wealth for generations and improving the qualify of life for their clients.
3. Glossary of Terms: Assist with basic terms of the transaction, not education of historical and current market trends, how to select an appropriate index and mortgage structure, and achieve true financial freedom.
4. GFE vs. Total Cost Analysis: Provides a list of costs rather than an in-depth, side-by-side analysis of four debt structures complete with potential monthly tax benefits, asset accumulation, total costs over a selected time horizon, and future real estate appreciation and Freedom Point.