The definition of a CMPS (Certified Mortgage Planning Specialist) is:
 to raising mortgage industry standards of practice, ethics and professionalism through individual membership, training and certification. |
 to help clients achieve financial freedom, build wealth and experience their life dreams by implementing intelligent mortgage, cash flow and home equity strategies. |
 to be a strategic resource to homeowners, first-time home buyers, move-up home buyers, senior citizens, real estate investors, Realtors, builders, attorneys, CPAs and financial advisors. |
I take this title and the education behind it very seriously. Over the last 4 years I have seen the industry completely turn upside down. When I was exposed to the training opportunity that the CMPS Institute presented, I was very excited. I actually LEARNED what it took to be a good loan officer. The curriculum included topics like fiscal literacy, 1031 exchanges, real estate investment stratagies, what RESPA really means and the guidelines they put forth, tax strategies - just to name a few.
In Michigan there are only 17 who have accepted the challange of taking the next step in mortgage education. I have been on both sides of the "paper" (non-prime and conforming) and having the CMPS training simply made me a better professional. My clients and referral partners appreciate the effort I have made by continuing my education with a focus on mortgages.
If you or your client needs help closing a loan in Michigan, please consider contacting me.
About Me:My Daughter is the wind behind my sails. She definately keeps me motivated. As for everything else about me, just keep reading.
I have recently received national certification from the CMPS Institue as a Certified Mortgage Planning Specialist. I provide my clients a network of financial professionals including Certified Financial Planners (CFP), Certified Public Accountants (CPA), Estate Planners, Financial Advisors. I try to be the finacial hub for my client's financial picture. I have received certifications in the following areas: Construction Lending, ITIN (undocumented resident taxpayer program), FHA 203K Rehab loans and Washtenaw Housing Education Partners (W.H.E.P) Certified.
I got into the mortgage business after I purchased my first home. I had such a bad experience. I told myself that there had to be a better way to this. I am now in my fifth year in the business. My ethics sometimes get in the way of me doing business. I simply will not do business that falls in the "gray" area. Meaning if a deal walks like a duck and talks like a duck... I know the rules and I follow them to the letter. I expect my clients and Associates to also follow those rules. My reputation and career are not worth doing the wrong thing. That doesn't mean that I can't get the hard deals done. It just means I won't "get around" the system.
For Realtors I provide the following:
- Lost contact capture system - Most Realtors can effictively work with no more than 10 qualified buyers. Let me show you how I can help you work with 100-200 qualified buyers
- HUD-1 reviews for loans that close with other lenders
- My commitment to the team atmosphere
Areas of Expertise
My areas of expertiese include: mortgage planning and real estate investment strategy, non-prime, FHA 203K rehab loans.
What clients are saying about me
When it came time to refinance my home, I called Toby Riley at American Home Mortgage. He helped me to find the best rate possible. I learned that he is knowledeable in the many types of mortgage and was impressed in how he was able to help me understand the process. By doing this he was able to put my mind at ease while searching for the appropriate mortgage for my budget.
Refinancing my home was a challange. My financial situation required extra attention and a great deal of stamina. Toby was determined to fint he perfect mortggae and was able to break down many obsticles. All the while keeping me informed, helping me to stay positive and supporting me mentally and emotionally through the search. I felt like I had a true friend and someone looking out for my well being.
Anyone who owns a home knows it is a major expense. A persons home is a precious place and a great asset. I was very fortunate to find a Certified Mortgage Planner like Toby Riley. He was someone who was on my side.
Sicerely,
- Rosemary Ressler Ypsilanti, Michigan
My overall satisfaction with Toby Riley was excellent. His knowledge, ability and expertiese is the reason I will use him again.
Mike & Eileen McKenzie Manchester, Michigan
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