Grow Time
December 2023
First Time Homebuyer
and Veterans 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) Log into Total Expert and send the "What is a buydown" email to any leads, as well as your real estate agents (anyone in the Buyers Agent, Misc Agent, Sellers Agent, or any of your own custom agent groups).
3) Go through your lead database - are any of them First Time Homebuyers? Put these folks into a group and send either the "NHF Down Payment Client Email" or the "Multiplex 5% Down - Clients email." Schedule this email to send one week after you send the Buydown email above.
If you don't have any First Time Homebuyer leads, reach out to one (or several) of your agent partners and ask if they have any. Tell them you'll co-brand the email with them. Reach out to the Marketing Team for instructions on how to do this (as well as to upload any lists your agents give you).
If you are a newbie without any leads, talk to your branch manager and ask for some. Contact agents together!
4) Pick and choose at least two flyers to download and print from Total Expert. We recommend one VA Flyer, and one FTHB-oriented flyer. All branch managers should have an account with Office Depot/Office Max for printing. Or you can email the Marketing Team for our wholesale printing options. 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).
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.
4B-Optional) If you have a database of addresses of Veterans, we can also facilitate a targeted mailing too! 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 send postcards out.
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
National Homebuyers Fund (NHF) Down Payment Assistance Program #1
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If down payment or closing costs are standing in the way of purchasing a home, we have a solution! We're thrilled to introduce a brand-new nationwide program that offers up to 100% financing on your new home. Whether you're a first-time homebuyer or not, you could qualify for a variety of different property types with only a 600 credit score. It's time to turn your homeownership dreams into reality, contact me to learn more!
Total Expert Tags: NHF, Down Payment Assistance, Grow Time December 2023
Post Date: Dec. 6
Buydown - 3/2/1

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If interest rates have you hesitating to buy a home, a 3/2/1 buydown can help you lock in a reduced interest rate for three years! The first year will see your interest rate reduced by 3%. The second year will be reduced by 2%. And the third year will be reduced by 1%, then followed by the final note rate for the remainder of your loan term. This can help ease you into a permanent rate while your home builds potential equity, and give you more cash at move-in to spend on any necessities or improvements. Contact me today to take advantage of the changing market!
Total Expert Tags: Buydown, First Time Home Buyer, Grow Time December 2023
Post Date: Dec. 7
Mortgage Meme - You're Telling Me There's a Chance

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Have a FICO of 580+? You may qualify for a home loan! #castlecookemortgage #homeloans #mortgagememes #mortgage #loanofficer #mortgagehumor #realestate #homeloan, #mortgages #mortgageloanofficer #mortgagelife
Total Expert Tags: Borrower, Credit, Credit Score, Education, First Time Homebuyer, Just For Fun, Mortgage, Mortgage Meme, Purchase, Grow Time December 2023
Post Date: Dec. 8
Buydown - Generic

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Feeling nervous about interest rates? Did you know a buydown can reduce your mortgage payment temporarily and give you time and accumulate to save up for future mortage payments? Castle & Cooke Mortgage has four buydown programs, each allow buyers to lock in a reduce interest rate for at least one year (and in some cases, up to three!) Contact me today to take advantage of the changing market!
Total Expert Tags: Buydown, First Time Home Buyer, 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
Get Prequalified - Be Empowered

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Shopping for a new home can be overwhelming, but getting pre-qualified with Castle & Cooke Mortgage empowers you to make confident decisions and find your dream home. #prequalification #homeloans #castlecookemortgage #mortgage
Total Expert Tags: First Time Home Buyer, Pre-Qualified, Grow Time December 2023
Post Date: Dec. 11
What is a VA Loan?
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A VA Loan is a unique mortgage loan that is partially guaranteed by the U.S. Department of Veterans Affairs (VA). This loan type can empower eligible Veterans, Service Members, and surviving spouses to be able to own a home! VA Loans also have some nice benefits; including up to 100% financing, limited closing costs, no private mortgage insurance (PMI), and competitive interest rates compared to other loan programs. Ready to take action? Contact me today!
Total Expert Tags: VA, Veteran, First Time Home Buyer, Grow Time December 2023
Post Date: Dec. 12
Buy vs Rent - Ready to Quit Renting?

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You've been renting for a while now, but did you know it could cost less to get into a home of your own? Call or text me today to start exploring opportunities! https://www.castlecookemortgage.com/stop-renting #castlecookemortgage #homeloans #firsttimehomeowner #rentvsown
Total Expert Tags: First Time Home Buyer, Buy vs Rent, Grow Time December 2023
Post Date: Dec. 13
First Time Homebuyer - Get Your Foot In The Door

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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
Total Expert Tags: First Time Home Buyer, Millennial, Grow Time December 2023
Post Date: Dec. 14
Blog Post - Tips For First-Time Home Buyers
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Don't know where to start on your homebuyer journey? Click on our insightful "Tips For First Time Homebuyers" page to learn about your next step: https://www.castlecookemortgage.com/blog/tips-for-first-time-home-buyers
Total Expert Tags: Blog Content, First Time Home Buyer, Grow Time December 2023
Post Date: Dec. 15
Get Pre-Qualified

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House hunting? Don't start without getting pre-qualified first! It gives you a better understanding of your budget and lets you shop with confidence. #castlecookemortgage #homeloan #mortgage #prequalification #homebuyingtips #realestate
Total Expert Tags: Pre-Qualified, First Time Home Buyer, Grow Time December 2023
Post Date: Dec. 16
Homebot Buyers - Be Ready to Make Your Move

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Don’t miss out on your dream home because you’re unprepared. Be a competitive buyer by getting prequalified and double-checking the market trends. Click the link to get started. #castlecookemortgage #homeloan #mortgage #realestate #buyersmarket #homebot #prequalified
Total Expert Tags: Homebot, First Time Home Buyer, Grow Time December 2023
Post Date: Dec. 17
Homebot Buyers - Know When and Where to Buy

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What if you could find your dream home at a better price in a nearby neighborhood? Explore zip codes by popular market, cheaper buys, & more. Click the link to get started. #castlecookemortgage #homeloan #mortgage #realestate #buyersmarket #homebot
Total Expert Tags: Homebot, First Time Home Buyer, Grow Time December 2023
Post Date: Dec. 18
First Time Homebuyer - Break Up With Your Landlord
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Tired of not being able to decorate how you want, living in a place that doesn't allow pets, and building equity for someone else? When you own your own home, you can do these things, and invest in your long-term future. There are many down payment assistance programs available to help you move out and move UP. Contact me today for more information.
Total Expert Tags: First Time Home Buyer, Buy vs Rent, Grow Time December 2023
Post Date: Dec. 19
Level Up Your Life - First Time Home Buyer
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Are you ready to level up to the next chapter of life by purchasing your first home? I'm ready to help! I pride myself on ensuring that my clients secure the most favorable home financing options and enjoy an exceptional experience throughout the mortgage journey. Apply now to get pre-qualified for a home of your very own! #castlecookemortgage #homeloans #mortgage #levelup
Total Expert Tags: First Time Home Buyer, Purchase, Grow Time December 2023
Post Date: Dec. 20
VA Loans - Honoring Our Veterans
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Secure a home of your own with a VA Loan! For our U.S. Uniformed Service members, you may be able to claim your own piece of the American dream with as little as zero percent down, competitive interest rates compared to other loan types, and optimized refinance options. Reach out to me today to embark on your journey to homeownership!
Total Expert Tags: VA, Veterans, 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
Blog Post - Downpayment Assistance: What Are My Options?

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Are you dreaming of owning a home of your own, but stressed about saving enough for the down payment? You may have options! Check out this insightful blog to see what types of down payment assistant options are out there, and how it could help you achieve the dream of homeownership! https://www.castlecookemortgage.com/blog/down-payment-assistance-what-are-my-options
Total Expert Tags: First Time Home Buyer, Down Payment Assistance, Grow Time December 2023
Post Date: Dec. 23
Down Payment - Home Loans With As Little As Zero Percent Down

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First-time buyers, did you know down payment assistance programs could help you get into a home of your own (even if you don't have a lot of cash on hand)? Contact me to find out about options in your area. #seizetheday #castlecookemortgage #homeloans #firsttimebuyer
Total Expert Tags: First Time Home Buyer, Down Payment Assistance, Grow Time December 2023
Post Date: Dec. 24
Home For The Holidays
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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
Total Expert Tags: Holiday, First Time Home Buyer, 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
Blog Post - First-Time Homebuyers Roadmap

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Embarking on the exciting journey of homeownership? Let me be a helping hand! Take a few minutes to take a look at this insightful landing page to learn more about each step of the journey: https://www.castlecookemortgage.com/blog/the-first-time-home-buyers-roadmap #castlecookemortgage #homeloans #firsttimehomebuyer #roadmap #heretohelp
Total Expert Tags: First Time Home Buyer, Purchase, Grow Time December 2023
Post Date: Dec. 27
Gen Zs & Millennials - Homeownership Could Be In Your Cards!
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If you think homeownership is just too out of reach - think again! At Castle & Cooke Mortgage, we have access to lots of First-Time Homebuyer Programs, Down Payment Assistance products, and much more to help you own a home of your very own. Contact me today for more information!
Total Expert Tags: First Time Home Buyer, Down Payment Assistance, Grow Time December 2023
Post Date: Dec. 28
Blog Post - 13 Questions Your Loan Officer Will Ask
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Interested in buying a home, but uncertain what your loan officer will ask? Use this list to get prepared and know what to bring when applying for a mortgage. https://www.castlecookemortgage.com/blog/13-questions-your-mortgage-loan-officer-will-ask
Total Expert Tags: First Time Home Buyer, Blog Content, Grow Time December 2023
Post Date: Dec. 29
First Time Buyer - Multiplex 5% Down Payment

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Ever hear of "house hacking?" It's where someone buys a home and brings in friends to help bring their costs down. This is often done with single family homes, townhomes, or condos, and has been popular among first-time homebuyers. But what if you can buy a duplex, triplex, or even a fourplex, occupy one of those units, and rent out the other three? And not just a room with shared spaces, but an entire livable space? And what if your down payment was only 5%? Click the link below to learn more or contact me today. #castlecookemortgage #realestate #mortgage #homeloan #investment #househacking
Total Expert Tags: Multi Unit, First Time Home Buyer, Grow Time December 2023
Post Date: Dec. 30
Veterans - Serving Veterans on the Home Front

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Veterans, isn’t it time you claimed your own piece of the American Dream? Contact me today to access the VA home loan benefits you earned by serving our great country. #castlecookemortgage #homeloans #valoans
Total Expert Tags: VA, Veterans, 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
Gift Funds - Don't Be Afraid To Ask For Help

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There are many situations where relatives have given gift funds to help with down payment and closing costs. And when combined with special programs for first-time homebuyers, suddenly the path to homeownership got a little bit easier. Contact me to find out more! #castlecookemortgage #mortgage #homeloans #firsttimehomebuyers #giftfunds
Total Expert Tags: Gift Funds, Down Payment, Grow Time December 2023
Post Date: Jan. 3
SimpliFi - SimpliFi Your Life
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Life can be complex, but your home financing doesn't have to be! Our brand-new 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: SimpliFi, First Time Home Buyer, Grow Time December 2023
Emails
What is a Buydown?

Total Expert Tags: First Time Home Buyer, Buydown, Grow Time December 2023
First Time Homebuyers: Don't Give Up On Homeownership! - Client Email

Total Expert Tags: First Time Home Buyer, Buy vs Rent, Grow Time December 2023
VA Loans - Honoring Our Veterans

Total Expert Tags: VA, Veterans, Grow Time December 2023
VA Loans - Set Down Your Roots

Total Expert Tags: VA, Veterans, Grow Time December 2023
National Homebuyer's Fund (NHF) Down Payment Assistance Program - Client Email

Total Expert Tags: NHF, Down Payment Assistance, Grow Time December 2023
National Homebuyers Fund (NHF) Down Payment Assistance Program - Agent Email

Total Expert Tags: NHF, Down Payment Assistance, Grow Time December 2023
Multiplex 5% Down Payment - Clients

Total Expert Tags: Fannie Mae, Multi Unit, Grow Time December 2023
Multiplex 5% Down Payment - Agents

Total Expert Tags: Fannie Mae, Multi Unit, Grow Time December 2023
Bond Program Lender Credit - Client Email

Total Expert Tags: Bond Program, Lender Credit, Grow Time December 2023
Bond Program Lender Credit - Agent Email

Total Expert Tags: Bond Program, Lender Credit, Grow Time December 2023
Flyers
Buydown - Generic Flyer

Total Expert Tags: Buydown, First Time Home Buyer, Grow Time December 2023
3/2/1 Buydown Flyer

Total Expert Tags: Buydown, First Time Home Buyer, Grow Time December 2023
Stretch Your Dollar Further With Homeownership

Total Expert Tags: Buy vs Rent, First Time Home Buyer, Grow Time December 2023
Waiting For the Housing Bubble to Pop?

Total Expert Tags: Market Conditions, Purchase, Grow Time December 2023
Take Advantage of the Slow Market NOW

Total Expert Tags: Market Conditions, Purchase, Grow Time December 2023
First Time Homebuyer - Break Up With Your Landlord

Total Expert Tags: First Time Home Buyer, Buy vs Rent, Grow Time December 2023
Get Prequalified - Be Empowered

Total Expert Tags: First Time Home Buyer, Pre-Qualified, Grow Time December 2023
SimpliFi - First Time Home Buyer

Total Expert Tags: First Time Home Buyer, SimpliFi, Grow Time December 2023
National Homebuyers Fund (NHF) Down Payment Assistance Program

Total Expert Tags: NHF, Down Payment Assistance, Grow Time December 2023
Buy vs Rent - Ready to Quit Renting?

Total Expert Tags: Buy Now Refinance Later, Buy vs Rent, Grow Time December 2023
Interest Rates - Date the Rate, Marry the House

Total Expert Tags: Buy Now Refinance Later, Buy vs Rent, Grow Time December 2023
Buy vs Rent - Stop Renting

Total Expert Tags: Buy Now Refinance Later, Buy vs Rent, Grow Time December 2023
Multiplex 5% Down Payment

Total Expert Tags: Fannie Mae, Investor, Grow Time December 2023
First Time Buyer - Multiplex 5% Down Payment

Total Expert Tags: Fannie Mae, Investor, Grow Time December 2023
Bond Program Lender Credit - Use Your State's Down Payment Assistance Program

Note: Not available in Idaho
Total Expert Tags: Bond Program, Lender Credit, Grow Time December 2023
Cash Purchase Program

Total Expert Tags: Cash Offers, Cash Out Purchase, Grow Time December 2023
First Time Homebuyer - Kick Confusion to the Curb

Total Expert Tags: First Time Home Buyer, Purchase, Grow Time December 2023
VA Loans - Set Down Your Roots

Total Expert Tags: VA, Veterans, Grow Time December 2023
VA Loans - Honoring Our Veterans

Total Expert Tags: VA, Veterans, Grow Time December 2023
Veterans - New Cash Out Options For Veterans

Total Expert Tags: VA, Veterans, Grow Time December 2023
VA Loans - Serving Veterans on the Home Front

Total Expert Tags: VA, Veterans, 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).
Take Advantage of the Slow Market NOW Postcard

Total Expert Tags: First Time Home Buyer, Postcards, Grow Time December 2023
Is It a Good Time To Buy Real Estate? Postcard

Total Expert Tags: First Time Home Buyer, Postcards, Grow Time December 2023
Cash Purchase Program Postcard

Total Expert Tags: Cash Offers, Postcards, Grow Time November 2023
Bond Program Lender Credit - We're Committed to Affordable Housing Postcard

Total Expert Tags: Bond Program, Lender Credit, Postcards, Grow Time November 2023
Bond Program Lender Credit - Use Your State's Housing Assistance Postcard

Total Expert Tags: Bond Program, Lender Credit, Postcards, Grow Time November 2023
SimpliFi Postcard

Total Expert Tags: SimpliFi, Postcards, Grow Time October 2023
First Time Homebuyer - Break Up With Your Landlord Postcard

Total Expert Tags: First Time Home Buyer, Postcards, Grow Time December 2023
First Time Homebuyer - Kick Confusion to the Curb Postcard

Total Expert Tags: First Time Home Buyer, Postcards, Grow Time December 2023
VA Loans - Set Down Your Roots Postcard

Total Expert Tags: VA, Veterans, Postcards, Grow Time December 2023
VA Loans - Honoring Our Veterans Postcard

Total Expert Tags: VA, Veterans, Postcards, 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!
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