A mortgage planner is a mortgage professional who provies a consultation to their client that is in alignment with their long and short term financial goals. The Mortgage Planner can also perform the duties of a loan officer, such as originating a home loan. Mortgage Planners have a philosophy to help their clients properly manage a mortgage, as it is most people's largest debt. Mortgage Planners can also assist in credit optimization, real estate portfolio planning, debt reduction, and for the more sophisticated client a mortgage planner may instruct and educate their clients on the benefits of arbitrage (borrowing at one rate and investing at another rate for profit) with the purpose of increasing safety, liquidity and rate of return.