Grow Time
December 2022
Quick Links
A Note About Tuesday Tidbits | New Market Conditions Videos
New Rate Buydown Collateral | New FHA Loan Limit Increase Collateral | New Conforming Loan Limits Collateral
New First Time Homebuyer Collateral | New Market Conditions Social Post
New 2/1 Buydown Flyer | New Seller Contributions Collateral | New Cash Out Collateral
Marketing Mastermind Trainings | Homebot Trainings | Scheduled Social Posts
The Armory | Branding, Video, Homebot Video, & Instagram Instructions
Market Conditions Archive | Grow Time Archive | Watch This Space - Updated 12/22
A Note About Tuesday Tidbits
For the time-being, Tuesday Tidbits are on hold as we transition out of the Forge and into Total Expert. We will be examining our options to provide content for you to pick and choose as you see fit in the future.
New Content
New Market Conditions Videos
Market Correction
20% Down
Caption:
Louder for those in the back. You do NOT need to be scared of high interest rates. There's a lot to unpack about the state of the housing market today. Some of our top sales leaders gave some insight about what's going on in the market and why the sky isn't falling. Click here to learn more: https://www.castlecookemortgage.com/2022-market-conditions#Firstname_Lastname #castlecookemortgage #homeloan #mortgage #buyersmarket #sellersmarket #realestate
Download the video here to post on social media.
Instructions on how to post a video and brand the landing page with your information can be found here. Do NOT forget to change the landing page URL!
Did you know you can share this video in Homebot? Click here to learn more
Caption:
NO! You do not need 20% down to buy a home! There are lots of options out there for first time homebuyers, including some offering as little as zero percent down! #castlecookemortgage #downpayment #realestate #homeloan #mortgage #firsttimehomebuyer #zerodown
Download the video here to post on social media.
Instructions on how to post a video and brand the landing page with your information can be found here. Do NOT forget to change the landing page URL!
Did you know you can share this video in Homebot? Click here to learn more
Gift Funds - The Best Gift You Can Give
Gift Funds - Help Is Out There
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Whether it’s gift funds or a down payment or using your assets to qualify to purchase a second home, now’s the best time to help your children or grandchildren enjoy the benefits of homeownership. Read on to learn more how you can give the gift of homeownership: https://www.castlecookemortgage.com/gift-funds#Firstname_Lastname #castlecookemortgage #mortgage #homeloans #firsttimehomebuyers #giftfunds
Download the video here to post on social media.
Instructions on how to post a video and brand the landing page with your information can be found here. Do NOT forget to change the landing page URL!
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Not many first-time homebuyers realize they can be gifted funds to help with a down payment, closing costs, even an interest rate buy-down. Combined with programs for first-time homebuyers, the dream of homeownership is suddenly within reach. Click here to learn more: https://www.castlecookemortgage.com/gift-funds#Firstname_Lastname #castlecookemortgage #mortgage #homeloans #firsttimehomebuyers #giftfunds
Download the video here to post on social media.
Instructions on how to post a video and brand the landing page with your information can be found here. Do NOT forget to change the landing page URL!
CCM Mobile (Shop and Apply From Anywhere)
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Put the power of your home search in the palm of your hand with our CCM:Mobile app! With our app, you can search for a home, calculate estimates, and even apply for a home loan from virtually anywhere! Contact me for your exclusive download link #castlecookemortgage #mortgage #homeloan #fintech #realestate #homesearch #simplenexus #app
Download the video here to post on social media.
Instructions on how to post a video and brand the landing page with your information can be found here. Do NOT forget to change the landing page URL!
Did you know you can share this video in Homebot? Click here to learn more
New Rate Buydown Collateral

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You’ve heard of sellers paying for closing costs, but have you heard of sellers paying for “temporary buydowns”? A temporary buydown is exactly what it sounds like; it’s a way to temporarily buydown your initial interest rate for a limited period of time. We have three types of temporary buydowns available: 2/1, 1/1 & 1/0. Many buyers are receiving buydowns as seller’s concessions, which could help save them even more money in the long run. If this is something you’re interested in learning more about, click here: https://www.castlecookemortgage.com/seller-concessions#Firstname_Lastname #castlecookemortgage #thecastleiscalling #homeloans #mortgage #buydowns #heretohelp #yourlenderforlife #thekeytoyourcastle
You can find this social post in the Forge here.

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Are you putting off buying a home because of rising interest rates? What if we told you that one of our temporary “buydown” options could help decrease your initial interest rate for a limited time? We have three “buydown” options (2/1, 1/1, & 1/0), which is often partially or fully covered by the seller during offer negotiations. This could help reduce your mortgage payments for the early stages of your loan term. If you’re interested in learning more about our buydown options, click here: https://www.castlecookemortgage.com/seller-concessions#Firstname_Lastname #castlecookemortgage #thecastleiscalling #homeloans #mortgage #buydowns #heretohelp #yourlenderforlife #thekeytoyourcastle
You can find this social post in the Forge here.

Caption:
Got big plans ahead of your future home purchase? We’ve got options to streamline them! With one of our temporary buydown programs, you could receive a temporary discount on your initial interest rate; ask your real estate agent to negotiate this into your offer. This could potentially reduce your monthly payment for the early stages of your loan term. To learn more about buydowns, click here: https://www.castlecookemortgage.com/seller-concessions#Firstname_Lastname #castlecookemortgage #thecastleiscalling #homeloans #mortgage #buydowns #heretohelp #yourlenderforlife #thekeytoyourcastle
You can find this social post in the Forge here.
New FHA Loan Limit Increase Collateral
3 social posts, flyer, 2 emails

Caption:
Exciting news! Beginning January 1, 2023, FHA Loan Limits are going up! Find out more here: https://www.castlecookemortgage.com/fha-loan-limit-update#Firstname_Lastname or contact me to learn more about loan limits in your area #castlecookemortgage #fha #loanlimits #mortgage #realestate #homeloan
You can find this social post in the Forge here.

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Exciting news! Beginning January 1, 2023, FHA Loan Limits are going up! Find out more here: https://www.castlecookemortgage.com/fha-loan-limit-update#Firstname_Lastname or contact me to learn more about loan limits in your area #castlecookemortgage #fha #loanlimits #mortgage #realestate #homeloan
You can find this social post in the Forge here.

Caption:
Great news! If you live in a high cost area, beginning January 1, 2023, FHA Loan Limits are increasing up to over $1 million! Find out more here: https://www.castlecookemortgage.com/fha-loan-limit-update#Firstname_Lastname or contact me to learn more about loan limits in your area #castlecookemortgage #fha #loanlimits #mortgage #realestate #homeloan
You can find this social post in the Forge here.

This flyer can be found in the flyer gallery of the Forge
New Conforming Loan Limits Collateral
2 social posts, flyer, 2 emails
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Caption:
We're raising our loan limit for conforming loans to $726,200, with some high-cost areas seeing an increase to over $1 million! Find out more at https://www.castlecookemortgage.com/new-conforming-loan-limits#Firstname_Lastname or contact me for more information.
You can find this social post in the Forge here.

Caption:
Living in a high cost area? Great news! Conforming loan limits have increased to over $1 million in some areas! Find out what these increases could mean for you! https://www.castlecookemortgage.com/new-conforming-loan-limits#Firstname_Lastname #castlecookemortgage #homeloan #mortgage #realestate #loanlimits
You can find this social post in the Forge here.

This flyer can be found in the flyer gallery of the Forge
New First Time Homebuyer Collateral
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Caption:
There's no better place to spend the holiday season than in the comfort of your own home. Are you looking to make the leap toward homeownership this winter? I'd be happy to help; contact me today to learn more! #castlecookemortgage #homefortheholidays #homeloans #mortgage #home #holiday #winter #heretohelp
This social post is available in the Forge here.
Caption:
Don't know how to start the homebuying process? We're here to help you through all the steps, big and small. Contact me today for more information! #castlecookemortgage #thecastleiscalling #homeloans #mortgage #homebuying #dreamhome
This social post is available in the Forge here.
New Market Conditions Social Post

Caption:
The housing market has shifted, and in a good way for buyers. Thanks to increased interest rates, homes are sitting on the market for longer & home sale prices are decreasing. This means you have more buying power & less competition, making it easier than ever to make the right decision on your next purchase. Chat with a Castle & Cooke Mortgage loan officer now to get pre-qualified today! https://www.castlecookemortgage.com/buyers-remorse#Firstname_Lastname #castlecookemortgage #homeloans #buyahome #dreamhome #buyersmarket #datetherate #marrythehouse #heretohelp
This social post is available in the Forge here.
New 2/1 Buydown Flyer
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This flyer is available in the flyer gallery of the Forge.
New Seller Contributions Collateral
Instagram Carousel Social Post

Flyer for agents

Caption:
Realtors: Do you know the different seller contributions allowed for various loan programs? Scroll through these images to find out! #castlecookemortgage #homeloan #realestate #mortgage #sellersmarket #buyersmarket #buydown
Download the zip file with all the images for the carousel here to post on Instagram. Instructions on how to post to Instagram can be found here.
This flyer is available in the flyer gallery of the Forge.
New Cash Out Collateral


Caption:
We get it, keeping track of multiple bills can be stressful. But Castle & Cooke Mortgage may have a solution for you! We could help you refinance your home to consolidate liabilities such as credit card debt, auto loans, & personal loans into one monthly payment. Not only will this make your life a little easier, but this could help you save money & increase your credit score at the same time. Contact me today for more details!
This social post is available in the Forge here.
Caption:
Did you know that homeowners collectively have almost $30 TRILLION in potential equity?! Are you sitting on a hidden savings account? Whether you’re looking to consolidate debt, make home repairs, or even get cash out for an emergency fund, we have options for you! Contact me today for your free home equity report today.
This social post is available in the Forge here.
Marketing Mastermind and Homebot Trainings
Marketing Mastermind Trainings
- September Marketing Mastermind: Marketing to Real Estate Agents, Part 2: (Integrating CCM Mobile, aka Simple Nexus, with Mobility RE)
- August Marketing Mastermind: Marketing to Real Estate Agents, Part 1 (Finding agents in MMI, adding and updating agents in the Forge, creating listing collateral for agents)
- Bonus Training: Using Grow Time as Your Monthly Marketing Plan
Homebot Trainings
Scheduled Social Posts
Important Note: As we transition into Total Expert, posts will no longer be subscription based, meaning you will need to manually schedule every holiday post as you choose. More to come in 2023.
Dec. 12: Happy Holidays

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For this to automatically post to your Facebook or LinkedIn page, subscribe to the Happy Holidays subscription in the Forge.
To manually post this, click here or follow our Instagram instructions below.
Dec. 18: Hanukkah

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For this to automatically post to your Facebook or LinkedIn page, subscribe to the Hanukkah subscription in the Forge.
To manually post this, click here or follow our Instagram instructions below.
Dec. 23: Festivus

Caption:
Do you find tinsel distracting? Take some time to gather around the pole, air your grievances, and prepare for your feats of strength. #festivus #seinfeld #puffyshirt #happyholidays #castlecookemortgage #mortgage #homeloan #realestate
For this to automatically post to your Facebook or LinkedIn page, subscribe to the Social Only subscription in the Forge.
To manually post this, click here or follow our Instagram instructions below.
Dec. 25: Christmas Day

Caption:
Castle & Cooke Mortgage wishes you and your family a very Merry Christmas! #christmas #holidays #castlecookemortgage #homeloans
For this to automatically post to your Facebook or LinkedIn page, subscribe to the Christmas subscription in the Forge.
To manually post this, click here or follow our Instagram instructions below.
Dec. 31: New Year's Eve

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For this to automatically post to your Facebook or LinkedIn page, subscribe to the New Year's Eve subscription in the Forge.
To manually post this, click here or follow our Instagram instructions below.
Jan. 1: New Year's Day

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For this to automatically post to your Facebook or LinkedIn page, subscribe to the New Year's Day subscription in the Forge.
To manually post this, click here or follow our Instagram instructions below.
Sweet SWAG for your crew
The Armory is your one-stop shop for branded Castle & Cooke Mortgage gear. Swag is a great way to share the love at events and stay top of mind in your community. These items also make for great team prizes!
Check out some of our ready-to-ship items here, and feel free to browse the full catalog!



Instructions
Webpage branding instructions
To ensure that your info shows up on a landing page when you post, be sure to add your unique #firstname_lastname snippet at the end of the URL. For example, if Karl Smith were to link to the landing page below, his URL would be https://www.castlecookemortgage.com/customer-testimonial-lucia-home-loan#Karl_Smith.
Video Instructions
The Forge does not support video content, but you can post yourself in just a few clicks. Visit the video library in Sharepoint and download the video you choose. Then, use the approved captions below or write your own. You can post these on Instagram, Facebook, LinkedIn, or any other compliant social network of your choice. And we hope you do!
- Download the video to your computer (or smart phone)
- Go to Facebook/LinkedIn/Instagram and create a new post
- Copy and Paste the approved caption
- If there is a landing page, do NOT forget to change the URL so the page is branded to you!
- Upload the video to the same post you have open
- POST!
Click here to view our how-to training instructional video on how to download and share our video resources.
Homebot Video Instructions
NEW! Homebot has some amazing video functionality, and now you can create and share your own videos in the platform! We've created a library of videos that are good to add into your buyer module, or even send to people who are looking to sell their home and purchase a new one.
Click here to view our how-to guide and best practices, and don't forget to complete the required Self Service Video training in CCM Bridge.
Copy the following YouTube links to share the video within Homebot!
- Market Correction: https://youtu.be/rZoyRGoV0e4
- Let Your Dog Go In His Own Yard: https://youtu.be/Wc0nTM6zclw
- 20% Down Myth: https://youtube.com/shorts/1rYnfoljeG0?feature=share
- CCM:Mobile (Shop and apply from anywhere): https://youtu.be/uScOHqF36c8
- Humble Your Home Loan: https://youtu.be/3sxCjYiryAQ
- You Can't Say That: https://youtu.be/CyseP6ati2g
- Mighty Mike: https://youtu.be/M_WbDgMh1h8
- Pro's and Cons: https://youtu.be/OdPgGQLtFd4
- Market Headlines: https://youtu.be/nGJIt_ZLl3U
- Less Competition: https://youtube.com/shorts/ml5ii8lKecw
- 100% Interest: https://youtube.com/shorts/uHMCAwywADI
- Scary Rates: https://youtu.be/ZKUCbzTWIaw
Instagram posting instructions
Instagram is popular for loan originators company-wide, and we encourage you to use all the above assets on your own profile! Here's how:
- Right click on the image you want to use
- A menu will appear. Click Save Image as ...
- A new dialog box will pop up. Choose the filename and folder you prefer
- Open instagram.com in a browser and click the
button - Choose your photo and click Next in the top right corner of the dialog box, following instructions along the way
Note: You can find approved caption copy in the Forge (or next to each post above), or can write your own. We highly recommend using the following hashtags, and others as you see fit:
- #castlecookemortgage
- #homeloans
Instagram Carousel Instructions:
- First, save the images to your chosen device that you want to post on Instagram for the carousel.
- Click the
button within Instagram, then select the Post option from the list. - Once you've selected Post, images from your device will appear for selection. Directly above your images, press the select multiple icon next to the camera icon.
- You can select up to 10 images for your carousel. Select Next to continue once you've chosen your images.
- You'll be given optional editing and filtering options. Select Next again to continue to the next step.
- Add your caption and hashtags.
- After the above steps are completed, tap the Share button and you're done!
For additional assistance or to ensure your Instagram account is fully compliant, please reach out to marketing. Happy posting (and please follow us—we promise to follow back)!
Market Conditions Archive
Market Conditions Videos
Pros and Cons
Market Headlines
Caption:
Everyone's talking about high interest rates, but nobody is talking about the side-effects in the market that make now a great time to buy. Click here to learn how rising interest rates could actually benefit you in the long run: https://castlecookemortgage.com/high-rates-side-effects#Firstname_Lastname #castlecookemortgage #homeloan #mortgage #interestrates #buyersmarket #sellersmarket #realestate
Download the video here to post on social media.
Instructions on how to post a video and brand the landing page with your information can be found here. Do NOT forget to change the landing page URL!
Did you know you can share this video in Homebot? Click here to learn more
Caption:
There's a whole lot more to the story of the 2022 Housing Market beyond the headlines about high interest rates. Find out more here: https://www.castlecookemortgage.com/2022-market-conditions#Firstname_Lastname #castlecookemortgage #homeloan #mortgage #realestate #buyersmarket #sellersmarket
Download the video here to post on social media.
Instructions on how to post a video and brand the landing page with your information can be found here. Do NOT forget to change the landing page URL!
Did you know you can share this video in Homebot? Click here to learn more
Less Competition
Scary Rates
Caption:
If you think waiting out the market is going to be a good idea, you might be hurting yourself. High mortgage interest rates are causing homes to stay on the market longer and price reductions, which gives you more time to shop and less competition among other buyers. Don't be scared of high interest rates or play the waiting game. Find out more at https://www.castlecookemortgage.com/high-rates-side-effects#Firstname_Lastname #castlecookemortgage #buyersmarket #sellersmarket #interestrates #realestate #mortgage #homeloan
Download the video here to post on social media.
Instructions on how to post a video and brand the landing page with your information can be found here. Do NOT forget to change the landing page URL!
Did you know you can share this video in Homebot? Click here to learn more
Caption:
We've all seen the same news headlines. Rates are going up, we get it. But here's the deal: We are moving into a buyer’s market. This means competition is decreasing and more sellers are paying for closing costs. Take advantage, and get the home you want now at lower prices. Don't let high rates scare you - contact me today. https://www.castlecookemortgage.com/high-rates-side-effects#Firstname_Lastname #castlecookemortgage #homeloan #mortgage #interestrates #homeprices #buyersmarket #sellersmarket
Download the video here to post on social media.
Instructions on how to post a video and brand the landing page with your information can be found here. Do NOT forget to change the landing page URL!
Did you know you can share this video in Homebot? Click here to learn more
100% Interest
Caption:
High interest rates are only part of the story. Home prices are coming down in many markets across the country. Don’t be scared! Learn more here: https://www.castlecookemortgage.com/stop-renting#Firstname_Lastname #castlecookemortgage #mortgage #realestate #interestrates (Not all who apply will qualify.)
Download the video here to post on social media.
Instructions on how to post a video and brand the landing page with your information can be found here. Do NOT forget to change the landing page URL!
Did you know you can share this video in Homebot? Click here to learn more
Market Conditions Social Posts & Flyers
Don't Be Scared of High Rates
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Don't Be Scared of High Rates (Instagram Carousel)

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Everyone's talking about high interest rates, but nobody is talking about the side-effects in the market that make now a great time to buy. Click here learn how rising interest rates could actually benefit you in the long run: https://castlecookemortgage.com/high-rates-side-effects#Firstname_Lastname #castlecookemortgage #homeloan #mortgage #interestrates #buyersmarket #sellersmarket #realestate
This social post is available in the Forge here.
Caption:
Everyone's talking about high interest rates, but nobody is talking about the side-effects in the market that make now a great time to buy. Scroll through these images to see why how rising interest rates could actually benefit you in the long run. #castlecookemortgage #homeloan #mortgage #interestrates #buyersmarket #sellersmarket #realestate
Download the zip file with all the images for the carousel here to post on Instagram. Instructions on how to post to Instagram can be found here.

Caption:
Just because the seller's market is over doesn't mean you're out of luck as a seller. If you're thinking of selling your home, chances are you're looking for a new one! If so, be sure to reach out today to get pre-qualified so you can have a number to shop with for your next home. https://www.castlecookemortgage.com/thinking-of-selling-your-home#Firstname_Lastname #castlecookemortgage #mortgage #homeloan #sellersmarket #realestate #prequalified
This social post is available in the Forge here.

This flyer is available in the flyer gallery of the Forge.
Buy Now, Refinance Later Social Posts

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Have you been eyeing that one home that's on sale? Don't let the current housing market scare you away from owning your dream home; when you buy a house you can afford now, you could refinance in the future for potential cash out or a lower rate. #castlecookemortgage #mortgage #thekeytoyourcastle #buyahome #homeloans #ownahome #commit
This post can be found in the Forge here.
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Caption:
The thought of buying a home may be intimidating, but can be worth it! As a Castle & Cooke Mortgage loan officer, I do everything I can to ensure my clients' homebuying experience is smooth, simple, and hassle-free. Contact me today to get started! #castlecookemortgage #mortgage #thekeytoyourcastle #buyahome #homeloans #weloveourclients #heretohelp
This post can be found in the Forge here.

Caption:
Have you ever put something off until the last minute? We've all been guilty of this. But when it comes to purchasing a home, it could be better to do it now rather than later in case rates and home prices go up, and you could potentially have more equity within the home the longer you own it. #castlecookemortgage #mortgage #thekeytoyourcastle #buyahome #refinance #doyourselfafavor #invest
This post can be found in the Forge here.
Grow Time Archive
Watch this space
Your Marketing team is hard at work creating new videos, flyers, social posts, email campaigns, and more. When we have something new for the field, we'll update this section. Check back often!
New Personal Safety Flyer for Agents
This personal safety flyer is available in the flyer gallery of the Forge.

New Gift Funds Instagram Carousel

Caption:
Don't know what to get your grown kids & grandkids for the holidays? Give them the gift of homeownership this year. You don't need to be a millionaire to do this either, a little can go a long way. Swipe left to see how you could help! #castlecookemortgage #mortgage #homeloans #givethegiftofhomeownership #homeownership #giftfunds
Download the zip file with all the images for the carousel here to post on Instagram. Instructions on how to post to Instagram can be found here.
New Maximum Seller Contributions Social Post
This social post is available in Total Expert.

Caption:
There are a lot of rules depending on how much sellers can contribute to a transaction. Some depend on property type, some depend on loan type. Whatever the situation is, be sure to review these with your real estate agent before asking for seller concessions. #castlecookemortgage #mortgage #homeloan #realestate #sellerconcessions #sellersmarket #buyersmarket #fha
Total Expert Folder: Loan Products
Total Expert Tag: Seller Contributions