As a mortgage lender there are not many reasons to reach out to my existing clients throughout each year unless there is a possiblity to refinance. So I started a few years ago to reach out to my clients at the beginning of the year to give them an update on their property tax bill and how it could impact their payment if the taxes have gone up significanly which would cause an escrow analysis on their mortgage. It has really helped being proactive instead of reactive to my clients if they end up getting the escrow analysis and have concern as to why their monthly payment increase as they often think has something to do with their loan. This conversation also allows me to address any other questions they have as well as ask if they have any friends, family, or co-workers looking to move and purchase a new home during the year.