In Part I, Ethics & Fair Disclosure, Mortgage Basedä Financial Planning and MOä Brand Financial Services are described in great detail such that you can easily follow how and where all the pieces fit in satisfying business ethics and fair disclosure to your clients. You will be shown how consumers benefit from the use of a Mortgagor Financial Representativeä professional and how this role can bring major changes for the industry.  This part includes a review of the MIFSP Code of Conduct and how adhering to the Code protects you as well as the client. You will learn from the pitfalls and fallacies that have plagued other practitioners and you will explore how you can take advantage of some of their glaring mistakes.

Part II, the Mortgage Portfolio Theoryä, takes you through the dynamics of this theory and its practical and effective application to everyday consumer decisions. The principles and elements of this theory are examined and demonstrated as you are walked step-by-step through examples of the application of Mortgage Basedä Financial Planning to common mortgage decision-making.  You will be shown the simplicity of applying a uniform process to Mortgage Basedä Financial Planning and how to recognize in Mortgage Basedä Financial Planning what's missing in traditional financial planning. You will be shown how to apply the elements of the Mortgage Portfolio Theoryä in answering questions of mortgage suitability for your protection as well as your client’s. You will be shown why your client's home buying, selling and financing decisions should be part of any sound financial plan. You will be introduced to many new concepts that provide you the tools to amaze your clients by showing them how to make objective hassle-free decision-making possible for such an emotionally charged subject, money.

The Mortgage Optimization Theoryä is the focus of Part III.  In this section, attention is given to optimizing the utility of the mortgage and to re-educating the student on overused simple calculations that are constantly miscalculated, overvalued, and just flat wrong; thus leading to a misalignment of your clients' dollars and the best path to their financial success. Among other important concepts, you’ll learn how to guide clients in determining the real impact of the Mortgage Interest Deduction, the true value of home equity, what it really means when a home owner is told “equity has a zero rate of return”, how to maximize fair market values for the benefit of clients, how to minimize the costs and maximize the benefits of homeownership, and how to recognize the significance of rental values to owner occupied property. Numerous case studies are presented to enhance the student’s comprehension and retention of the processes presented throughout the course.