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Glad to ablige.  Thanks for posting and tell your friends about us!

Jim

And here's some widgets you can add to most websites:

http://www.mlcalc.com/free-widgets/

If you don't have a self-managed site, just email this to your webmaster and ask them to include one of those "widgets" on a web page that you can send your clients to.

Dan,

if your clients still have a mortgage, the best gift you can give them is the gift of knowledge.  Pat Zaby used to have a program called PREP Financial that allowed you to run a simple calculation that allowed you to show your clients the power of additional principle payments on their mortgage.  I am going to check if his new software still has this feature.  Or, you can use your financial software or calculator to do the comparison.  Show them their current payment and run an amortization report that shows how much interest they will pay over the next 30 years.  Then, recalculate to show them the difference that an additional $50 per month in principle reduction would do to the total interest paid and the number of years it knocks off the mortgage.  If they are baby boomers they should have laser focus about paying off this loan and saving money. 

I used to do this for all my buyers about a month after they moved in.  I would bring a potted plant as a house warming gift and then I would sit down with them and show them the numbers.  9 out of 10 would ask me what an additional $100 per month would do to the length of the loan and the reduction in interest paid.  THEN, to really seal the deal, I would tell them, "I know I just stopped by and this is the first time you are seeing this information.  Because I believe this is a powerful way to save a lot of money (and gain equity in the event they do choose to sell the house in the next few years) that I wanted to make your first principle reduction payment myself,"  then hand them a check made out to their mortgage company in the amount of $50 and put "Principle Reduction" in the memo line.  I've never had a buyer that wasn't blown away with the idea and the gift!

Good luck,

Jim