Annual mortgage review outreach to past borrowers

Once a year, on the anniversary of each closing, send past borrowers a short email or call offering to review their current loan against today's market and their current goals, whether that is dropping mortgage insurance, a home equity question, or a refinance, with no promise of a specific outcome.

Why it works: An annual check-in gives you a reason to reconnect that has nothing to do with asking for a referral, which makes the referral conversation easier when it comes up naturally.