Institute of Consumer
Financial Education
Institute of Consumer
Financial Education

Certified SMARTEquity™ Specialist
Online Certification Course

The AFCPE accepts this online course for 5 CE's

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Introduction

CSES Home ownership is a source of great pride for most people. We dedicate the largest share of our income to our homes that encumbers us for 30 years or more. Long after your children have grown and started their own lives, you continue making those monthly mortgage payments.
30 years is a long time to wait to own your home. Compound interest eats away at your home's value until you have essentially paid for it twice. Even after 15 years, you have little equity in your home. However, you can change this by using the same principle that banks employ to lend you money.
SMARTEquity™ provides you with a tool allowing you to control your income and expenses to take advantage of this key banking principle. The SMARTEquity™ online software can reduce the amount of time it takes to pay off your mortgage by half and more. No gimmicks, no smoke and mirrors, just a simple method that uses complex calculations to determine your financial position on a daily, weekly, monthly and annual basis.

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Certified SmartEquity™ Specialist Online Course Description

The ICFE's CSES™ program is about mortgage and debt reduction through a cash flow money management software system. Students will learn about how mortgages are calculated, how interest is compounded and as a result how we end up paying for two and sometimes three homes because of the amount of interest we pay on the original mortgage.
The CSES™ shows how it's possible to pay off the original mortgage in half the time or less using their current household budget. In the case of consumer debt students will learn the process for eliminating these debts up to 72% faster again using their current household budget.
Students will learn about dramatically reducing the "Mortgage Freedom Date" which is the date that they're mortgage free. If you take your current age and add the amortized years left on your mortgage this is your Mortgage Freedom Date. A person age 55 with 25 years left on the mortgage will have a Mortgage Freedom Date of 80. On average we can show how to get that Mortgage Freedom Date down to 65.
Application of the SmartEquity™ program also provides for the management and elimination of credit card and other consumer higher-interest debt, as well as an integrated accounting system.
We show how to track progress monthly and manage asset, liability, capital accounts and how to create and read financial reports such as the balance sheet, net worth, profit & loss statement and cash flow reports. The key to success is setting a goal and tracking the progress.
Anyone taking this course will gain the knowledge to not only better manage their financial situation or small business and thousands in interest payments but also help their clients save potentially tens of thousands in unnecessary interest payments freeing up financial resource to invest, help pay for their children's education or purchase a second investment property. The possibilities are endless when you're living debt free.
The CSES™ course is designed to enhance the ability of financial and related professionals to utilize SmartEquity™ software for the benefit of their clients. Clients will also have the ability to integrate SmartEquity™ software into their financial planning and record-keeping, resulting in more efficient implementation of financial planning and more effective relationships between the client and financial professional.

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What Others are Saying About SMARTEquity

From: BUILDER November 2010
Posted on: November 2, 2010
Housing Affordability
Common Interest
A homeowner advocacy group and software company promote a system that can help pay down mortgage loans.
by - John Caulfield
Debt Free Sooner
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... "What we have to do is get people out of this re-fi mindset," says John Walsh, NOAH's founder and chairman. Walsh thinks the best way to get homeowners thinking about this is during the buying stage, and NOAH recently started pitching SMARTEquity™ to builders as a free incentive they could give to buyers, like a granite countertop. "If we could get 1,000 builders to offer this to 50 buyers each, by this time next year this program would be viral." NOAH's optimistic goal, he says, is to have 70 percent of all homeowners mortgage-free within 10 years...
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What Clients are saying

"Smart Equity has a built-in tracking system that compares where I should be to where I am. Using Smart Equity, I went from paying my mortgage in 27 years to paying it off in 5. In fact, right now, I'm on track to pay it off even faster than that"! signed Monica
"After spending 45 minutes with Smart Equity customer care I can't believe how much better I feel knowing the sky is not falling. I was hoping to pay of my loans so I could buy a home. I've paid thousands in interest on my loans and I still owe the same for the past five years. The worse part is I didn't even realise how much interest only I was paying. Now I'll be debt free in less 3 than years". signed Phil
"I'm fifty five years old and single and If not for Smart Equity I would have been still making mortgage payments in my eighties. Now I'll be free of debts including my mortgage at the age of sixty five".
signed Susan

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Who Is Enrolling in the ICFE's valuable Certification Programs and earning CE's?

Why Become a Certified CSES™ Educator?

Here are some of the reasons why people are getting ICFE certified: Here are just some of the things you will learn:

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Here's what you'll get with your CSES™ online course

After successfully completing the course

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Program Investment

Enrollment in ICFE CSES™ Program - $375.00
Includes 3 Months Access to SMARTEquity™ - a $75 Value

24/7 Access Online Course
CSES
Study Exam
CSES
Certificate of Achievement
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