Now that the U.S. Federal Reserve has held back again on interest rates, advisors are taking advantage of attractive financing options before that window begins to close.

Mortgaging property when rates are low is well-known advice. But unprecedented transparency by the central bank about its goals and rate expectations means that advisors are in a unique position to plan borrowing strategies, said Chris Bilton, a Chicago-based advisor for Bank of America Corp's Merrill Lynch unit.

“We can plan a lot more precisely,” Bilton said, “We can map out what we think we can earn on investments, versus what we think long-term debt will cost. It’s the first time in history that we’ve been able to do that,” Bilton said.

Central bank policymakers have been saying they expect to tighten in December, after holding the federal funds rate at the current 0 to .25 percent range. They also showed that most expect the funds rate to top 3 percent by 2018.

Meanwhile, 30-year fixed mortgage rates are hovering just under 4 percent, according to data from

Not surprisingly, clients want to know if now is the time to move, refinance or buy a vacation home, Bilton said.

“Without a doubt, the answer is yes,” Bilton said.

In fact, now is "as good a time as we’re going to see,” said, Joe Heider, founder of Cirrus Wealth Management in Cleveland, agreed.

What's more, not all clients must stick to traditional mortgages, Heider said. The highest net worth clients can also use shorter-term lines of credit against their securities, at rates of around 1.5 percent. On assets that yield at least 3 percent after tax, it's a good deal, Heider said.

One of Heider’s clients used such a line of credit as a way to refinance existing debt on a commercial building. When the Fed ultimately tightens rates, Heider and his client will reevaluate. “If interest rates cross over a line where he can do better with other investments, he’ll just write a check,” Heider said.