February 11, 2022

The Importance of Working with a Certified Mortgage Advisor

When it comes to shopping for a mortgage, it’s easy for homebuyers to feel intimidated by the vast number of available products. The process of finding the best loan at a great value is no easy task, which is why it’s a smart decision to work with a mortgage advisor. However, the best thing you can do to yourself is not just work with any mortgage advisor, but a certified one! Unlike a mortgage loan officer you might find online, certified mortgage advisors undergo rigorous training to help you make the best decision possible. In this blog, we’ll go over the importance of working with a certified mortgage advisor and how they can greatly benefit you.

High Standard of Excellence

A certified mortgage advisor, or CMA for short, is certified to meet the standard of excellence in the mortgage industry. CMA professionals meet rigorous training, education, and ethical standards. What mainly differentiates CMA professionals from regular mortgage advisors is that they’re committed to educating clients to prepare them for a more secure tomorrow. Getting educated is key to making the most successful decisions.

Framed to Meet Your Personal Needs

Buying a home will probably be the biggest purchase you will ever make. It’s a big decision that’ll significantly impact you and your family. The thing about these types of purchases is that they are different for every family. The amount you borrow is impactful and should be structured into a long-term plan. For example, you can structure it to help you with your retirement or maybe for a child’s college planning. A CMA professional has extensive knowledge, training, and experience with working with different situations. Not everyone’s needs are the same; the decisions made need to be tailored to your needs. As we all know, not all mortgages are created equal. Many consumers don’t realize that a mortgage loan can be used to create wealth. Sometimes this means getting the lowest interest rate or costs possible, while other times flexibility or timeliness is more important. A certified mortgage advisor will use their extensive knowledge to help you make the best decision that’ll help you meet your long-term goals.

Superior Standards in the Mortgage Industry

One of the major elements that differentiate certified mortgage advisors from the rest is their deep knowledge. They have been trained in many important aspects of the mortgage industry, such as:

  • What drives interest rates
  • Personal Wealth Creation
  • How to choose the right loan

They’re expert advisors who can help clients understand how to use mortgage debt to build sustainable, lifelong wealth.

Working For Your Best Interests

Yeah, you can always use an online lending robot to get things done, but it won’t always be in your best interest. Online lending robots are programmed to generate as much revenue as possible, even at your expense. The human side of a CMA loan officer is the only way to accurately assess a person’s full picture. By understanding your future goals, they can design a mortgage product that meets those needs– regardless of the revenue lost or gained.

Work with a CMA Professional at Community Mortgage

Community Mortgage is proud to have a Certified Mortgage Advisor on the team. Sean Courtney is certified, with his top goal being to help clients make the best financial decisions through education. He has met extensive training and experience requirements to offer our clients the best mortgage lending services here in San Diego. By working with a mortgage advisor that is better equipped to give advice and help you distinguish which programs and products will benefit you the most, you’ll be paving the way for a more prosperous future for you and your family. We hope this blog helps you see the importance of working with a certified mortgage advisor. If you would like to work with a certified mortgage advisor, give Community Mortgage a call at (619) 692-3630 or click here to schedule a FREE mortgage consultation.

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