Being that the mortgage is the biggest debt most people have and it’s tied to the biggest physical asset most people have, Mortgage Based™ Financial Planning (MBFP) starts where any financial planning should start, at home. MBFP is the only process by which you focus on counseling and advising consumers on connecting this big piece of their financial existence with their overall financial goals and objectives. 

Mortgage Based™ Financial Planning starts at home with how the consumer can better structure the big dollars that go towards paying housing costs such that home buying, selling and financing decisions are a recognized part of a comprehensive financial plan. MBFP connects the decisions made in three major keys to your client’s financial success: financial planning, real estate, and home financing.

The study of Mortgage Based™ Financial Planning is for the progressive financial professional that acknowledges housing costs as a major factor that impacts the client’s ability to achieve all other financial goals and objectives and who wants to help their clients maximize their mortgage options, maximize the amount of dollars available for investment and retirement planning, while helping them minimize the overall cost of homeownership.  

MIFSP offers the only educational program that helps you further differentiate yourself by using your abilities as RMP® or ARMP designee to act in the capacity of a fee-only Fiduciary Mortgage Advisor™ professional. By written agreement, during the engagement you have a fiduciary (exclusive) responsibility solely to the mortgagor (the person who mortgages the property) that puts you in a one of its kind position. MIFSP helps you bring to the mortgage transaction what consumers have been missing, an independent voice, their own financial representative. Your services as a Fiduciary Mortgage Advisor™ professional can be offered before, during, after or in the absence of mortgage origination so there’s always a role for you.

Whatever role you choose to play, you can be the professional consumers look to for reliable unbiased expert advice in managing and re-evaluating their mortgage choices and in making home financing decisions that keep pace with ongoing changes in their financial objectives or life circumstances.

Housing expenses represent between thirty and sixty percent of a consumer's income, therefore, showing consumers how to effectively manage this one aspect of their finances gives millions of consumers who have never sought the services of a financial planner a common every day reason to seek the services of a financial professional knowledgeable about this financial planning specialty.

“Once you know better, you’ll do better.” Take the course and discover the full extent of its capabilities for your business.