Andrew Fullmer Earns Certified Mortgage Planning Specialist (CMPS) Designation
Affinity Mortgage adds another Certified Mortgage Planning Specialist to the firm.
Nampa, ID, February 16, 2008 --(PR.com)-- Andrew Fullmer, a mortgage planner with Affinity Mortgage Corporation Company, has passed the qualifying exams to earn the Certified Mortgage Planning Specialist. There are currently only thirteen Certified Mortgage Planning Specialist (CMPS) in Idaho, three of whom work at Affinity Mortgage Corporation. The designation is granted by the CMPS Institute, Ann Arbor, Michigan, a training, certifying, and ongoing membership organization created to help mortgage professionals integrate financial planning concepts into the mortgage process. CMPS designees can offer clients strategies that encompass mortgages, debt, home equity, and real estate investment.
Many homeowners have become frustrated and confused with the myriad choices in today’s mortgage market and the lack of both ethics and financial knowledge among many mortgage providers. The CMPS Institute is 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.
“Life expectancy is higher than ever before; health care costs are skyrocketing; pensions are shrinking; social security is uncertain, and corporate America has gone through one bankruptcy after another. Today’s mortgage market can be a dangerous place for some consumers with certain real estate markets experiencing signs of a “bubble,” and “exotic” mortgages representing a greater market share than ever before. These signs point to the fact that homeowners and buyers need expert advice on how to manage their mortgage, cash flow, and home equity. “My focus is to help my mortgage clients build and protect wealth by better managing their home equity and personal cash flow,” says Fullmer
The trend toward expert mortgage advice is growing in popularity. At the CMPS Institute, more than 200 mortgage professionals are taking certifying courses each month. “A mortgage professional who dedicates the time and effort to learn about these financial concepts is much more qualified, committed, and equipped to serve the complex needs of today’s home owner and buyer,” says Gibran Nicholas, Chairman of the CMPS Institute.
The CMPS curriculum incorporates five essential skill sets including:
• Financial market and interest rate analysis
• Cash flow analysis
• Debt analysis
• Real estate equity management
• Real estate investment analysis
Andrew states, “I believe that like every other investment and financial decision, there is no "one-size-fits-all" solution to mortgages. Take for example the ARMs. A couple years ago, it seemed that everyone was getting an ARM. These loans were certainly very dangerous in many situations, but they did have their benefits for clients whose risk tolerance, liquidity, cash flow, and net worth situation met the suitability. That essentially is the job of a mortgage planner to tailor fit a mortgage strategy to meet the needs and goals of individuals.”
Andrew Fullmer can be reached at andy@affinitymortage.com, or call 208-475-1377.
For more information on the CMPS Institute go to http://www.cmpsinstitute.org, or call
888-608-9800.
About Affinity Mortgage Corporation:
With its sole focus on mortgage planning, Affinity Mortgage Corporation and their planners’ expertise is providing their clients an overview of the various mortgage and debt management strategies that helps their clients better manage cash flow, accumulate wealth, increase net worth and preserve assets.
Affinity Mortgage Corporation is an Equal Housing Lender licensed in Idaho MLB#641 and member of NAMB (National Association of Mortgage Brokers) BBB (Better Business Bureau). Corporate headquarters: 5660 E. Franklin Road, Suite 301, Nampa, ID 83687. Additional information can be found at http://www.affinitymortgage..com.
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Many homeowners have become frustrated and confused with the myriad choices in today’s mortgage market and the lack of both ethics and financial knowledge among many mortgage providers. The CMPS Institute is 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.
“Life expectancy is higher than ever before; health care costs are skyrocketing; pensions are shrinking; social security is uncertain, and corporate America has gone through one bankruptcy after another. Today’s mortgage market can be a dangerous place for some consumers with certain real estate markets experiencing signs of a “bubble,” and “exotic” mortgages representing a greater market share than ever before. These signs point to the fact that homeowners and buyers need expert advice on how to manage their mortgage, cash flow, and home equity. “My focus is to help my mortgage clients build and protect wealth by better managing their home equity and personal cash flow,” says Fullmer
The trend toward expert mortgage advice is growing in popularity. At the CMPS Institute, more than 200 mortgage professionals are taking certifying courses each month. “A mortgage professional who dedicates the time and effort to learn about these financial concepts is much more qualified, committed, and equipped to serve the complex needs of today’s home owner and buyer,” says Gibran Nicholas, Chairman of the CMPS Institute.
The CMPS curriculum incorporates five essential skill sets including:
• Financial market and interest rate analysis
• Cash flow analysis
• Debt analysis
• Real estate equity management
• Real estate investment analysis
Andrew states, “I believe that like every other investment and financial decision, there is no "one-size-fits-all" solution to mortgages. Take for example the ARMs. A couple years ago, it seemed that everyone was getting an ARM. These loans were certainly very dangerous in many situations, but they did have their benefits for clients whose risk tolerance, liquidity, cash flow, and net worth situation met the suitability. That essentially is the job of a mortgage planner to tailor fit a mortgage strategy to meet the needs and goals of individuals.”
Andrew Fullmer can be reached at andy@affinitymortage.com, or call 208-475-1377.
For more information on the CMPS Institute go to http://www.cmpsinstitute.org, or call
888-608-9800.
About Affinity Mortgage Corporation:
With its sole focus on mortgage planning, Affinity Mortgage Corporation and their planners’ expertise is providing their clients an overview of the various mortgage and debt management strategies that helps their clients better manage cash flow, accumulate wealth, increase net worth and preserve assets.
Affinity Mortgage Corporation is an Equal Housing Lender licensed in Idaho MLB#641 and member of NAMB (National Association of Mortgage Brokers) BBB (Better Business Bureau). Corporate headquarters: 5660 E. Franklin Road, Suite 301, Nampa, ID 83687. Additional information can be found at http://www.affinitymortgage..com.
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Contact
Affinity Mortgage Corporation
Carmen Becker
208-475-1377
www.affinitymortgage.com
Carmen Becker
208-475-1377
www.affinitymortgage.com
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