 The deliverable of a certified mortgage planner is a "mortgage plan" designed to maximize home equity while wisely managing debt.Mortgage planners must have regional mortgage licensing, undergo structured training, and pass a battery of tests in order to be certified by private certified mortgage planning institutions .They must also pursue and document ongoing training regarding the mortgage banking industry, the markets that impact home finance products, the role of interfacing with financial services professionals, and the methods, means, and ethics associated with advising consumers on home mortgages.