Certified Mortgage Planners® are more than just ordinary loan officers. Certified Mortgage Planners® are trained, certified and qualified advisors who help homeowners become debt free, build wealth and reach their life dreams more quickly by implementing intelligent mortgage, cash flow, and home equity strategies. CMPs help homeowners use their mortgages to minimize interest expense, maximize savings and build wealth in the safest and fastest way possible. By managing their clients’ mortgages over the long term, rather than focusing on the one-time sale of a mortgage loan, Certified Mortgage Planners® help their clients make smart choices in managing and optimizing their home equity. By assisting clients in reworking their debt and equity structure, CMPs ultimately help their clients reach their financial goals sooner and with greater security.

As a Certified Mortgage Planner®, I see my role differently than a traditional loan officer. My goal is to help you integrate the loan that you select into your over-all long and short-term financial and investment plan to help minimize taxes, improve cash flow, and minimize interest expense. I want to help you manage you home equity to increase liquidity, safety, and rate of return. I strive to really understand what is important to you about a home loan.

Certified Mortgage Planners®

Average Loan Officers

Educate clients on how to integrate their mortgage into their overall financial plans, so they can better, faster and more safely accomplish their unique financial goals Help clients select loans that minimize interest expense, minimize cash flow and minimize taxes Educate clients on how to properly manage home equity to increase liquidity, safety, and rate of return Help clients to use their mortgage to safely, conservatively and consistently build wealth Provide valuable information through complimentary annual mortgage reviews

Focus only on the transaction at hand, without considering how each proposed loan will impact the borrower’s short or long term goals Do not consider how each proposed loan may impact interest expense, cash flow, or taxes Are not qualified to educate their clients on how to manage their homes’ equity Do not understand how a mortgage can help the client to build wealth Only contact past clients when there is a potential for a new loan

All Certified Mortgage Planners® agree to put the borrower's interest first, acting fairly and diligently when providing you with mortgage planning advice and services.  The CMP Code of Ethics states that Certified Mortgage Planners® must act with integrity, offering you objective personal services based on your unique needs.

I want to be your Certified Mortgage Planner® for life!  Call (480) 635-3062 today to make a complimentary appointment.