Is it time to refinance your mortgage?
Do you have clients who are still paying more than 5% on their mortgages? Perhaps now is the time to check in with your clients and find out if refinancing is a viable option for them. Help them run the numbers, and explain how changing their interest rate and perhaps the term of their loan will benefit them over time. Work with them to manage their mortgage payments and talk about the advantages of paying bi-weekly instead of monthly.
You can show your clients the tax effects of their financing decisions. Ken Berry has written a detailed article  explaining the refinancing options along with the pros and cons of refinancing. Consider this your holiday gift to your clients!