STEWARDS of CAPITAL & CO.

Welcome to Stewards CMPS® News and Articles

As part of our Private Client membership, Stewards of Capital & Co. gives you access to a library of articles and informational brochures. The articles position YOU as the expert and offer practical advice on a variety of relevant topics that have been carefully researched by CMPS Institute.

The articles offer practical advice on a variety of relevant topics that have been carefully researched by CMPS Institute. This library of articles and brochures is updated periodically to ensure that you are provided with solutions for today's most pressing mortgage planning topics.

• Spring 2014 CMPS Guide to House Prices - How to give clients and strategic partners an update on the three factors that impact house prices

• Spring 2014 CMPS Guide to Mortgage Rates - How to give homeowners, home buyers and strategic partners an update on mortgage rate trends

• Realtor Business Planning Video - How to use the REALTOR Business Planning Calculator

• Financial Advisor Business Planning Video - How to use the financial advisor business planning calculator

• How to Understand Your Home Appraisal ($500k) - How to understand comps, adjustments and the appraiser's estimate of value.

• How to Understand Your Home Appraisal ($200k) - How to understand comps, adjustments and the appraiser's estimate of value.

• How to Swim With the Sharks (and not get eaten alive!) - How to help clients and referral partners understand the reason why so much documentation is required during the loan process.

• How to Successfully Get a Mortgage in 2014 - Why so much paperwork and documentation is required in today's mortgage industry (and how to deal with it)

• Five Risks to Consider Before Investing in Real Estate - Outlines why real estate investors need you.

• Three Questions to Ask Before You Invest in Real Estate - How to set up the mortgage planning conversation with real estate investors.

• Five Things to Consider Before Buying a Home - Five risks to consider when buying or shopping for a home.

• Four Questions to Ask Before Choosing a Mortgage - How to set up the mortgage planning conversation .

• How to Solve Your Negative Equity Problem - How to calculate whether it makes financial sense to use a cash-in mortgage strategy

• Tax Deductible Items for 2013 Mortgages - How to illustrate which items are tax deductible for 2013 mortgage closings

• Tax Deductible Items for 2014 Mortgages - How to illustrate which items are tax deductible for 2014 mortgage closings

• The Gift Tax Myth: How to Navigate Around It - How to make better use of the annual and lifetime exclusions to the gift tax when using gift money for a down payment

• How to Get the Primary Residence Capital Gains Tax Exclusion - How to help clients and strategic partners understand the principal residence capital gains tax exclusion.

• Why You Need a CMPS - Why and how mortgage borrowers benefit by using a CMPS® professional

• Housing Pro: Ask Not What You Can Do For Your Mortgage Pro - Why real estate agents and other housing professionals benefit by using a CMPS

• Financial Pro: Ask Not What You Can Do For Your Mortgage Pro - Why and how financial advisors benefit by using a CMPS® professional

• What is Mortgage Planning? - Describes the mortgage planning process, and how it's different from the traditional "shopping for a mortgage" experience

• How the 2014 Mortgage Rules Impact You - Describes how real estate agents are impacted by the 2014 QM, ATR and ECOA Rules (and why they need you)

• Four Reasons Why Buyers Should Consider Seller-Paid Points - Use this, along with the CMPS Seller-Paid Points Calculator, to illustrate why homebuyers should consider this strategy

• Three Reasons Why Sellers Should Consider Seller-Paid Points - Use this, along with the CMPS Seller-Paid Points Calculator, to illustrate why sellers should consider this strategy

• How to Improve Your Credit Score - How the credit scoring system works and how borrowers can improve their credit score

• Three Questions to Ask Yourself for a Happier Retirement - Three step process of how you help clients obtain the Critical Capital needed for financial independence

• How to Finance the Roth IRA Conversion Strategy - Where mortgage planning fits in with Roth IRA Conversions

• What You Need to Know About Forgiven Mortgage Debt - How the insolvency exception works for forgiven mortgage debt.

• What You Need to Know About Forgiven Mortgage Debt - CA - How the insolvency & non-recourse exceptions work for forgiven mortgage debt.

• The 90-Day Window for Cash Buyers: How it Works & Why it Matters - How to illustrate that cash buyers have 90 days to place a mortgage on the property in order to qualify for acquisition indebtedness.