Grow Time
December 2023
Cash Out Refinance Campaign
Quick Links
Your December Marketing Plan
1) Pre-schedule all your posts NOW. Click here to jump down to our social calendar. (Please note, we are monitoring a very hard to find bug in Total Expert that sometime's posts all scheduled posts instantly instead of on their scheduled date. Watch your TE very carefully as you pre-schedule and if this happens, be sure to notify Marketing ASAP.)
2) Send the "Debt Consolidation Purchase Loan - Agent Email" to your real estate agents (anyone in the Buyers Agent, Misc Agent, Sellers Agent, or any of your own custom agent groups).
3) Schedule the "Cash Out Refi Benefits Client Email" to send on December 27th to everyone in your Total Expert who funded a loan with you in 2020, 2021, and through May 31, 2022. Filter your contact lists using the Loan Funded Date filter. If you need help with this, contact the Marketing Team .
4) Just because this campaign is for Debt Consolidation/Cash Out doesn't mean you can't deliver flyers to agents! We recommend you select the "Home Equity Can Take You Places" flyer and the "Cash Out Refi Pay Off Debt" flyer and print 100 copies of each flyer.
Choose from one of the two options: Visit four real estate offices and deliver 25 copies of each flyer (50 total). Or visit two real estate offices and leave 50 copies of each flyer (100 total). Deliver them with donuts (or chips and salsa) and a smile! Don't forget to leave some business cards (contact Marketing if you ran out).
Why? Your agent partners might have clients who are concerned about debt, and this can open up additional business opportunities!
4A-Optional) Pick at least one postcard for either an EDDM (Every Door Direct Mailing) OR a targeted mailing to a list of addresses. If you are in a branch with multiple LOs, coordinate together so we don't send the same card to the same routes. Schedule a call with the Marketing Team so we can help you with route selection, and organize everything on your behalf. Note: Do NOT pull addresses of your funded clients from Total Expert. Let Marketing assist. Mailings can be expensive and results vary. Don't feel obligated to do this step.
5) We have some door hangers included in this campaign! One is single branded, the other is co-branded. Contact Marketing to print the door hanger of your choice, then go around your neighborhood and leave them on doors! Optimize your marketing power and co-brand the door hanger with one of your agent partners! Leave hot chocolate or hot cider packets with your door hanger!
New Loan Limits Collateral
While we didn't include the Conforming and FHA Loan Limits collateral in your December Marketing Plan, that doesn't mean you can't include them in your strategy! There aren't any rules that say you can only post once per day. Consider sharing these on your socials in addition to the content within the campaign below. (And your agent partners would definitely appreciate you dropping off some the flyers below too!)
Conforming Loan Limits Increased to $766,550

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Great news! Conforming Loan Limits have increased to $766,550, with some high-cost areas seeing an increase to over $1,149,825! Find out more at https://www.castlecookemortgage.com/new-conforming-loan-limits or contact me for more information. #castlecookemortgage #homeloan #mortgage #realestate #loanlimits
Total Expert Tags: Loan Limits, Conforming Loans, Grow Time December 2023
Conforming Loan Limits Increased to $1,149,825 - High Cost Areas

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Living in a high cost area? Great news! Conforming loan limits have increased to over $1,149,825 in some areas! Find out what these increases could mean for you! https://www.castlecookemortgage.com/new-conforming-loan-limits #castlecookemortgage #homeloan #mortgage #realestate #loanlimits
Total Expert Tags: Loan Limits, Conforming Loans, Grow Time December 2023
2024 Conforming Loan Limit Increase

Total Expert Tags: Loan Limits, Conforming Loans, Grow Time December 2023
2024 Conforming Loan Limits

Total Expert Tags: Loan Limits, Conforming Loans, Grow Time December 2023
FHA - 2024 Loan Limit Update - Option 1
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Exciting news! Beginning January 1, 2024, FHA Loan Limits are going up by over 5%! Find out more here: https://www.castlecookemortgage.com/fha-loan-limit-update or contact me to learn more about loan limits in your area #castlecookemortgage #fha #loanlimits #mortgage #realestate #homeloan
Total Expert Tags: Loan Limits, FHA, Grow Time December 2023
FHA - 2024 Loan Limit Update - Option 2
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Exciting news! Beginning January 1, 2024, FHA Loan Limits are going up! Find out more here: https://www.castlecookemortgage.com/fha-loan-limit-update or contact me to learn more about loan limits in your area #castlecookemortgage #fha #loanlimits #mortgage #realestate #homeloan
Total Expert Tags: Loan Limits, FHA, Grow Time December 2023
FHA - 2024 Loan Limit Update - High Cost Areas
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Great news! If you live in a high cost area, beginning January 1, 2024, FHA Loan Limits are increasing up to over $1.1 million! Contact me to learn more about loan limits in your area #castlecookemortgage #fha #loanlimits #mortgage #realestate #homeloan
Total Expert Tags: Loan Limits, FHA, Grow Time December 2023
FHA Loan Limit Increase 2024

Total Expert Tags: Loan Limits, FHA, Grow Time December 2023
2024 FHA Loan Limits

Total Expert Tags: Loan Limits, FHA, Grow Time December 2023
Suggested Social Calendar
Social Posts
All posts (except videos) are available in Total Expert. Contact Marketing if you need help integrating your Facebook, Instagram, and LinkedIn channels.
you opted into Facebook automation and there is a specific post you want to skip, please email marketing immediately.
Post Date: Dec. 5
Cash Out Refi - Need Cash For The Holidays?

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Did you know if you close your home loan or refinance in December, your first payment won’t be until February? Best. Christmas. Ever. #castlecookemortgage #homeloans #refinance
Total Expert Tags: Cash Out Refi, Debt Consolidation, Grow Time December 2023
Post Date: Dec. 6
Veterans - New Cash Out Options

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Veterans can now get up to 100% of their home's value on cash out refinances. Contact me to get your free home equity report and to go over your options. #castlecookemortgage #valoans #veterans #homeequity #cashoutrefi
Total Expert Tags: Cash Out Refi, Veterans, Grow Time December 2023
Post Date: Dec. 7
SimpliFi Your Life - Refinance

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Life can be complex, but your home financing doesn't have to be! Our SimpliFi promotion allows our borrowers to refinance their new home - without the lender or administrative fees! This is active for 36 months after your closing date, giving you time & flexibility to refinance when it's right for you. Now that's a simpler way to refi - it's Simplifi! Check out the link to learn more: https://www.castlecookemortgage.com/simplifi #castlecookemortgage #simplifi #simplifiyourlife #homeloans #refinance
Total Expert Tags: Borrower, Buy Now Refinance Later, Education, First Time Homebuyer, Grow Time December 2023, Interest Rates, Purchase, Refinance, SimpliFi
Post Date: Dec. 8
Blog Post - How To Refinance To Pay Down Debt

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If you have credit card, medical, or other debts, you may be able to consolidate those with a debt consolidation refinance! Your home's equity could help unlock potential opportunities for you. Learn more here: https://www.castlecookemortgage.com/blog/how-to-refinance-to-pay-off-debt
Total Expert Tags: Cash Out Refi, Blog Content, Grow Time December 2023
Post Date: Dec. 9
National Pastry Day

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Life is too short to skip dessert. Enjoy your favorite pastry to celebrate National Pastry Day!
Total Expert Tags: Holiday, Just For Fun, Grow Time December 2023
Post Date: Dec. 10
Home Equity Could Take You Places

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Many people don't know the power of home equity - it could help you pay down high-interest debts, start an emergency fund, or even launch a new business venture! Interested in learning more? Contact me today!
Total Expert Tags: Debt Consolidation, Home Equity, Grow Time December 2023
Post Date: Dec. 11
Cash-Out Refi - Got High-Interest Debt?
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Having high-interest debts can be mentally debilitating for many homeowners. But did you know that you could potentially use your home’s equity to consolidate these? That’s right! Contact me today to learn if a cash-out refinance would be the right fit for you.
Total Expert Tags: Cash Out Refi, Debt Consolidation, Grow Time December 2023
Post Date: Dec. 12
Cash-Out Refi - Emergency Fund

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A lot of people wait to tap their home's equity in case of a financial emergency. But often times, by the time they need it, their financial woes could make it harder to qualify for a refi or HELOC. With credit card debt at record highs, many Americans owe more on their cards than they have in savings. Don't wait for an emergency to create an emergency fund. Contact me today to review your home's potential value and your options. #castlecookemortgage #homeloan #mortgage #refinance #heloc #debt #savings
Total Expert Tags: Cash Out Refi, Debt Consolidation, Grow Time December 2023
Post Date: Dec. 13
Debt Consolidation - Save Money On A Bigger Home
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Yes, you read that right! As a homeowner, you may be able to save on your monthly expenses by upgrading to a bigger home. “How is this possible?” Here’s how:
Think about how much your monthly bills cost; this includes any credit card debt, medical expenses, auto payments, and/or anything else you may be paying off every month. By selling your current home and upgrading to a new one, you could split your current home’s potential equity to pay off some existing debt and use any extra money to pay towards your new home’s down payment.
Learn more about this innovative solution by clicking here: https://www.castlecookemortgage.com/unlock-your-equity #castlecookemortgage #equity #homeloans
Total Expert Tags: Cash Out Refi, Debt Consolidation, Grow Time December 2023
Post Date: Dec. 14
Closed End Second - Credit Card Debt

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Do you feel like you’re drowning in credit card debt but worried that a cash-out refi will cost you that ultra low interest rate you might have? Our Closed End Second product is a way to help you access up to $500,000 of your home's available equity without losing that rate! Contact me today to learn more about ways to tackle your credit card debt.
Total Expert Tags: Cash Out Refi, Debt Consolidation, Grow Time December 2023
Post Date: Dec. 15
Debt Consolidation - How Much Is Your Home Worth?

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Do you know the value of your home? Call me to find out. #castlecookemortgage #homeloans #debtconsolidation #refi
Total Expert Tags: Cash Out Refi, Debt Consolidation, Grow Time December 2023
Post Date: Dec. 16
Video: Homebot for Consumers
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Are you sitting on a hidden savings account? Contact me to find out. #castlecookemortgage #homeloans #homeequity #refinance #heloc #cashout
This video must be posted manually.
Download the video here to post on social media.
Instructions on how to post a video and brand the landing page with your information (if applicable) can be found on our Keys To Success page under the Social Media menu option. Do NOT forget to change the landing page URL!
Post Date: Dec. 17
Happy Holidays

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Wishing you a joyous and special holiday season. This holiday, remember to laugh, love, eat, and enjoy every moment. This is a time for togetherness and cheer. Happy Holidays!
Total Expert Tags: Holiday, Grow Time December 2023
Post Date: Dec. 18
Home Equity - Tap That Equity!

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Did you know that homeowners collectively have over $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.
Total Expert Tags: Cash Out Refi, Debt Consolidation, Grow Time December 2023
Post Date: Dec. 19
Debt Consolidation - Is Debt Holding You Back?
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Don’t let your debt stand in the way of purchasing the home of your dreams. By selling your current home and upgrading to a new one, you could split your current home’s potential equity to pay off some existing debt and use any extra money to pay towards your new home’s down payment. Feel free to either reach out to me or check out the link to see if this would be right for you: https://www.castlecookemortgage.com/unlock-your-equity #castlecookemortgage #equity #homeloans #upgradeyourhome
Total Expert Tags: Cash Out Refi, Debt Consolidation, Grow Time December 2023
Post Date: Dec. 20
Cash Out - Wrap Up Multiple Bills Into One

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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!
Total Expert Tags: Cash Out Refi, Debt Consolidation, Grow Time December 2023
Post Date: Dec. 21
Winter Solstice

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Happy Winter Solstice! "He who marvels at the beauty of the world in summer will find equal cause for wonder and admiration in winter.” — John Burroughs
Total Expert Tags: Holiday, Just For Fun, Grow Time December 2023
Post Date: Dec. 22
Debt Consolidation - Pay Off Debt
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Homeowners – are you ready to upgrade your current home, but want to pay off some current debts first? We may be able to help! By selling your current home and upgrading to a new one, you could split your current home’s potential equity to pay off some existing debt and use any extra money to pay towards your new home’s down payment. Check out the link to learn more! https://www.castlecookemortgage.com/unlock-your-equity #castlecookemortgage #equity #homeloans #upgradeyourhome
Total Expert Tags: Cash Out Refi, Debt Consolidation, Grow Time December 2023
Post Date: Dec. 23
Cash Out Refi - Holiday Expenses Caught You Off Guard?

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If your credit card bill was a bit higher this year, you aren't alone. Retail credit card APRs are approaching 30%! If you're worried about credit card debt this holiday seasons, you DO have options! Be sure to come back here tomorrow to learn more.
Total Expert Tags: Cash Out Refi, Debt Consolidation, Grow Time December 2023
Post Date: Dec. 24
Cash Out Refi - Extra Generous To Everyone On Your Gift List?

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Your friends and families will love you this year. But what about your bank account? Credit card debt is through the roof. Credit card companies are taking advantage of the recent aggressive rate hikes. That affects your bottom line and you might be worried about how much you owe. From cash-out, to debt consolidation, to even a closed-end second, there are options available to utilize your home's potential equity to tackle credit card debt. Instead of making it a New Year's resolution, contact me today.
Total Expert Tags: Cash Out Refi, Debt Consolidation, Grow Time December 2023
Post Date: Dec. 25
Christmas Day

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Merry Christmas from us here at Castle & Cooke Mortgage!
Total Expert Tags: Holiday, Grow Time December 2023
Post Date: Dec. 26
Cash Out - Pay Off Those Credit Cards
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Are you feeling trapped by your credit card debt? You're not alone. According to the Federal Reserve, credit card debt is at an all-time high. But there's a solution! Consider a cash-out refinance to pay off those balances! https://www.castlecookemortgage.com/cash-out-refinance #CreditCardDebt #DebtFree #CashOutRefinance
Total Expert Tags: Cash Out Refi, Debt Consolidation, Grow Time December 2023
Post Date: Dec. 27
Cash-Out Refi - Unexpected Expenses

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Increases in Property Taxes and Homeowner's Insurance surprised a lot of people. And for those who don't have theirs paid through escrow, they could be left scrambling to make up the difference. You can combat these and other unexpected expenses by getting cash out from your home's equity. Contact me today to review your home's potential value and your options. #castlecookemortgage #homeloan #mortgage #refinance #heloc #debt #savings
Total Expert Tags: Cash Out Refi, Debt Consolidation, Grow Time December 2023
Post Date: Dec. 28
Debt Consolidation - Drowning In Debt?

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Drowning in debt? Your home’s potential equity may be the solution. #castlecookemortgage #homeloans #refinance #debtconsolidation
Total Expert Tags: Cash Out Refi, Debt Consolidation, Grow Time December 2023
Post Date: Dec. 29
Home Equity - Hidden Savings Account

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Home prices are at record highs, and that means options for families who already own. To find out how much cash you could access by tapping your equity, give me a call!
Total Expert Tags: Cash Out Refi, Debt Consolidation, Grow Time December 2023
Post Date: Dec. 30
Closed End Second - What's Your Home Worth?
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Did you know homeowners collectively have almost $30 Trillion in potential equity? Whether you’re looking to pay down debt, make home repairs, or even get cash out for an emergency fund, we have options for you! And even better news... we have a way to help you access up to $500,000 of your home’s equity without having to sacrifice that sweet low interest rate you may already have. Are you sitting on a hidden savings account? Contact me today for your free home equity report!
Total Expert Tags: Cash Out Refi, Debt Consolidation, Grow Time December 2023
Post Date: Dec. 31
New Year's Eve

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Cheers to new beginnings, new adventures, and a year filled with love and laughter!
Total Expert Tags: Holiday, New Year, Grow Time December 2023
Post Date: Jan. 1
New Year's Day

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Hello 2024! "I don’t know where I’m going from here, but I promise it won’t be boring." - David Bowe
Total Expert Tags: Holiday, New Year, Grow Time December 2023
Post Date: Jan. 2
Home Equity - Lift the Weight Off Your Shoulders Today
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Feeling “weighed down” by debt? We know it can be incredibly stressful, especially when it's high-interest debt such as credit card debt or student loans. However, we may have a solution to alleviate this stress – harnessing the potential equity in your home to help reduce your debt. I’m here to help, feel free to contact me today to evaluate your specific situation!
Total Expert Tags: Cash Out Refi, Debt Consolidation, Grow Time December 2023
Post Date: Jan. 3
Home Equity - Your Home Equity Could Be the Light at the End of the Tunnel

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If you find yourself overwhelmed by high-interest debt and are searching for solutions, there may be a way to ease your burden. By leveraging the potential equity in your home, you could reduce your debt and streamline your monthly expenses by incorporating them into your mortgage payment. Reach out to me to explore your possibilities today!
Total Expert Tags: Cash Out Refi, Debt Consolidation, Grow Time December 2023
Emails
Cash-Out Refi - Benefits - Client Email

Total Expert Tags: Cash Out Refi, Debt Consolidation, Grow Time December 2023
Debt Consolidation Purchase Mortgage Loan - Client Email

Total Expert Tags: Cash Out Refi, Debt Consolidation, Grow Time December 2023
Cash Out - Hidden Savings Account

Total Expert Tags: Cash Out Refi, Debt Consolidation, Grow Time December 2023
Veterans - New Cash Out Options

Total Expert Tags: Cash Out Refi, Debt Consolidation, Grow Time December 2023
Closed End Second - High Interest Debt

Total Expert Tags: Cash Out Refi, Debt Consolidation, Grow Time December 2023
Debt Consolidation Purchase Mortgage Loan - Agent Email

Total Expert Tags: Cash Out Refi, Debt Consolidation, Grow Time December 2023
Flyers
Home Equity Could Take You Places

Total Expert Tags: Cash Out Refi, Debt Consolidation, Grow Time December 2023
Veterans - New Cash Out Options

Total Expert Tags: Cash Out Refi, Debt Consolidation, Grow Time December 2023
Debt Consolidation - Credit Card Debt

Total Expert Tags: Cash Out Refi, Debt Consolidation, Grow Time December 2023
Cash-Out Refi - Pay Off Debt

Total Expert Tags: Cash Out Refi, Debt Consolidation, Grow Time December 2023
Home Equity - Market Analysis

Total Expert Tags: Cash Out Refi, Debt Consolidation, Grow Time December 2023
Home Equity - Hidden Savings Account

Total Expert Tags: Cash Out Refi, Debt Consolidation, Grow Time December 2023
Cash Out Refi - Financial Freedom

Total Expert Tags: Cash Out Refi, Debt Consolidation, Grow Time December 2023
Postcards
We're excited to release postcards as our newest marketing offering in Total Expert. These cards are sized to 6.25x11 so they can be used either as EDDMs or sent via first class mail. Contact marketing@castlecookemortgage.com for printing and mailing assistance.
(Please note, at this time, we are only offering postcards sized 6.25x11. Please refrain from requesting different sizes).
Closed End Second - High Interest Debt Postcard

Total Expert Tags: Cash Out Refi, Debt Consolidation, Postcards, Grow Time December 2023
Pay Down Holiday Expenses Postcard

Total Expert Tags: Cash Out Refi, Debt Consolidation, Postcards, Grow Time December 2023
Door Hangers
Home Equity Door Hanger #1

Total Expert Tags: Door Hangers, Cash Out Refi, Debt Consolidation, Grow Time December 2023
Home Equity Door Hanger

Total Expert Tags: Door Hangers, Cash Out Refi, Debt Consolidation, Grow Time December 2023
Keys To Success
We have streamlined and updated our Keys to Success Training Page. From here on, we will always link to this page in this section. We'll post occasional updates here if anything new has been added each month
Video Archive
You can download any of our videos from our new Vimeo Commercial Gallery: https://vimeo.com/showcase/10102542
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!
