Doug Minor, a mortgage adviser with United Pacific Mortgage, haspassed the qualifying exams to earn the Certified Mortgage Planning Specialist (CMPS) designation that's granted by the CMPS Institute of Ann Arbor, Mich.

The institute trains and certifies mortgage professionals in skills that incorporate financial planning concepts into the mortgage process.

CMPS designees can offer strategies that consider the client's entire financial picture, including mortgages, debt, home equity and investments.

The CMPS curriculum emphasizes financial market and interest rate analysis, cash flow, debt consideration, and real estate equity management and investment analysis.

Call Doug Minor at (805) 7770088, ext 229.