Part of being a great broker is recognizing opportunities that present themselves in the marketplace.

There currently is an opportunity and here's the math behind it.

Some lenders have posted rates which allow for a low penalty on fixed rates.

Fixed rates have lowered to a point where now makes sense for a lot of clients to jump, ship and go across the street and save a bunch of money.

You need to understand how to do this math.

An agent on my team has found a great opportunity for his client.

Here's the math on his deal.

This is how you create happy clients for life.