Talk about news you can use. Amid the recent market volatility and economic fears, interest rates are again near historic lows, providing clients an opportunity to refinance their mortgages or for first-time homebuyers to dive in.

Of course, what might be an easy way to save money for some clients may be a poor choice for others regarding the most valuable asset most people will ever own. So whether they're looking to save money each month or girding themselves for a down payment and decades of expenses, clients need your help.

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