have you considered that with interest rates being so low, that you could contact your prior clients and inform them of how much more home they could get for the same payment they are paying now? Interest rates are down about 1%+ for most of your prior clients. This means tabout .58/per $1000 or $58/mo. for each $100,000, so a $200,000 loan at 4.625% @ 30 yrs. = $1028/ mo P&I, and now a $225,000 loan at 3.625% @ 30 yrs. = $1026/ mo P&I. Perhaps you have clients who would want to upgrade for the same payment? You can go to our website and play with the amoritization calculator: www.diversifiedmortbrokers.com . HAPPY SELLING. Call on us-DIVERSIFIED MORTGAGE BROKERS-SERVING CENTRAL VIRGINIA AND BEYOND FOR 26 YEARS-Tel: 434-237-3143, Email: dbi4009@aol.com . WE EDUCATE & DELIVER