 The effort to create a certification process around the mortgage planning concept was stemmed from those within the mortgage industry desiring to combat the negative effects of the mortgage industry having been commoditized.Proponents of mortgage planning, such as NAMP, argue that mortgage brokers have no fiduciary obligation to the consumer and are essentially independent contractors.This is in contrast to other related occupations, such as financial advisors and real estate agents, where agency is more clearly defined.