CMPS® empowers you with credentials, financial knowledge, strategies, and resources to motivate clients, Realtors, financial advisors, and other referral partners to do more business with you.

CMPS® core curriculum equips you with 5 key strategies and skills to set you apart from the competition and grow your business immediately:

1. Financial Market & Interest Rate Analysis

• How to understand mortgage and real estate market economics, the role of the Federal Reserve, LIBOR, inflation, deflation, interest rate trends, and the role of mortgage-backed securities and derivatives, and why all this matters to you, your clients, and your referral partners
• How to use these dynamic scripts, PowerPoints, charts, and graphs to close more business, conquer clients' fears, and demonstrate your value to referral partners
• How to use housing, economic, and financial market information to attract and do more business with top producing Realtors and financial advisors

2. Cash Flow & Debt Analysis

• How to implement the mortgage planning process in your business to convert rate shoppers and attract the right clients and referral partners
• How to use the system to identify mortgage opportunities around retirement planning, college funding, and other life events
• How to leverage various financial planning concepts and strategies to attract and do more business with financial advisors

3. Real Estate Investment Planning

• How to utilize the seven keys of profitable real estate investment to attract and do more business with real estate investors, Realtors, and financial advisors
• How to calculate investment rates of return to set yourself apart from the competition, attract the right kind of clients, and convert rate shoppers
• Which real estate investment strategies work in any market, which pitfalls to avoid, and how to build a very profitable niche in working with qualified investors and their advisors

4. Mortgage and Real Estate Taxation

• How to increase your confidence and build deeper referral relationships with financial advisors, CPAs and attorneys by understanding mortgage interest deductibility rules, acquisition and home equity indebtedness, points and closing costs, taxation of second homes and investment properties, tax basis, capital gains taxes, gift taxes, estate planning
• How to be one of the only originators in your market who specializes in working with "cash buyers" (who end up using your mortgage strategies)
• How to consistently generate low-LTV conventional and jumbo loans from clients with 720 + credit scores by understanding little-known mortgage and real estate taxation strategies

5. Ethics and Compliance

• How to transform compliance issues such as RESPA and the Fed's new mortgage regulations into your competitive advantage
• How to set yourself apart from the competition and utilize the CMPS code of ethics, marketing materials, and operational systems in your mortgage planning practice

CMPS® bonus modules include:

• IRR Modules - How to calculate internal rate of return (IRR) using various financial calculators, and why this will help you attract and do more business with real estate investors and CPAs who work with higher-end clients
• The Market's Story: How to understand what is going on in the economy and answer the BIG questions your clients have today
• The Client's Story: How to have more effective dialogues with clients and referral partners; how to systematically and consistently make your conversation and marketing messages about the things that matter to them; how to inspire client confidence in making appropriate mortgage and real estate decisions
• College Funding Strategies & Case Studies: How to generate and close more loans by helping clients plan for one of life's most challenging expenses, college funding
• Retirement Planning Strategies & Case Studies: How to generate and close more loans by helping clients plan for and fund their retirement planning needs
• Elder Care / Reverse Mortgage Analysis & Case Studies: How to generate and close more loans by helping clients with elder care issues and reverse mortgage strategies
• Marriage & Divorce Financial Analysis & Case Studies: How to generate and close more loans by working with divorce attorneys and clients who are experiencing or have gone through divorce

CMPS Annual Continuing Education

In the second and subsequent years of membership with the CMPS Institute, members are required to take and pass 4 hours of CMPS-approved continuing education. This is in addition to the 8 hours of NMLS-Approved SAFE Act education that many originators are required to take. Continuing education courses are available in the CMPS members-only web portal, the CMPS Exchange^TM. All the required continuing education (including the 8 hours of NMLS-Approved SAFE Act CE) is included with the annual membership renewal and there is no additional charge for the continuing education hours.

CMPS member benefits include:

• Marketing materials and educational articles geared toward consumers and referral partners customized with your name, photo, company logo, and contact information
• Banner ads, email signatures, and other CMPS-trademarked marketing materials that you can use in your emails, stationery, business cards, web sites, blogs, and newsletters
• PowerPoint presentations that you can use to conduct seminars and workshops for consumers, investors, real estate agents, builders, financial planners, insurance agents, CPAs, attorneys, and other referral partners
• PowerPoint presentations that have been approved for continuing education credit for Certified Financial Planners (CFPs) - this empowers you to teach continuing education courses for financial planners
• Spreadsheets and online calculators that you can use to illustrate various mortgage planning strategies
• Sample press releases that you can use to gain media exposure
• Scripts and dialogue opportunities to implement the mortgage planning and business-building strategies outlined in the CMPS curriculum