Grow Time
December 2025
December Automations
Throughout 2025, Marketing will be emailing agents and clients on your behalf each month. Be sure you read and review this section to see what emails will be going out and for important deadlines to opt-out.
Note: This list does not include transactional automations such as Loan Milestone Updates, Post Closing, Customer Intelligence, etc. For a full list of Marketing Automations, click here.
- Discover Your Home's Value: This email will be sent to all contacts currently in Lead or Lead (Prospect) status with a loan purpose of Refinance. Click here for a sample.
- Send Date: Tuesday, December 9
- Opt-Out By: Monday, December 8
- Find Your Perfect Home For The Holidays: This email will be sent to all contacts currently in Lead or Lead (Prospect) status with a loan purpose of Purchase. Click here for a sample.
- Send Date: Tuesday, December 9
- Opt-Out By: Monday, December 8
- Home For The Holidays: This email will be sent to all of your agents in Total Expert. Click here for a sample.
- Send Date: Monday, December 15
- Opt-Out By: Monday, December 8
- Wrap up the year with a mortgage check-up: This email will be sent to all of your clients in Total Expert who currently have a loan with an interest rate of 7% or higher, 50% or less LTV, and funded more than 6 months ago. Click here for a sample.
- Send Date: Thursday, December 18
- Opt-Out By: Monday, December 8
- Marketing Support Next Year: This email will be sent to all of your agents in Total Expert. Click here for a sample.
- Send Date: Monday, December 29
- Opt-Out By: Monday, December 8
- Additional Emails: Our Tuesday Tidbits Newsletter to real estate agents will be sent out on the following dates:
- Tuesday, December 2
- Tuesday, December 9
- Tuesday, December 23
- December 15 and December 30 are omitted in favor of the two agent emails above
Engage SMS is Here!
Total Expert's Engage SMS is LIVE and ready for you to text your clients via Total Expert on the web, or by downloading the Total Expert app!
Total Expert & Homebot Growth Strategies
In May we introduced a really cool email you can send to folks in either your Rate Alert or Rate Improvements contact tabs to help them see the potential benefits of refinancing and see estimated savings.
The Rate Improvement Refi Estimate email is just that, an estimate based on current rates from Optimal Blue's Mortgage Market Indicies.
Rate Improvement Refinance Estimate
Total Expert Tags: Interest Rate, Grow Time May 2025
In June, we announced a brand new feature in Total Expert! You will now be able to generate a rate quote within Total Expert via your Optimal Blue integration!
Unlike the email to your left, this is not based on estimated rates, but pulls directly from your pricing engine.
From there, you will be able to send this quote via a dynamic email in Total Expert.
Purchase Rate Quote
Total Expert Tags: Interest Rate, Grow Time June 2025
Have you taken a look at your CONTACTS screen in Total Expert lately? We've assembled a number of tabs related to Customer Intelligence as part of our "Data Analytics Era."
- High Equity Clients ⏫ - This tab shows you funded clients who have 25% or less LTV in their home.
- Mid Equity Clients 🔼 - This tab shows you funded clients who have 26%-70% LTV in their home. Both equity tabs exclude any fundings in the last 7 months to avoid EPO.
- People Shopping Me 😠 - This tab contains anyone who has a current Credit Inquiry Alert detected by Customer Intelligence. This alert only stays on the contact's record for only 7 days, so you will see clients come in and out of this list as the alert expires.
- Rate Alert! 🚨 - This tab will show you active Rate Drop Alerts for funded clients with a current interest rate that at least 0.5% higher than the current day's rate in Optimal Blue's Mortgage Market Indices. This alert also only lasts for 7 days which is why we created the additional tab below. This alert excludes HELOCs, fundings in the last 6 months, and any second or additional liens to avoid flagging DPA program second mortgages.
- Rate Improvements ⬇️ - This tab collects your entire database of funded loans under the same parameters above regardless of an active rate alert.
- Credit Improvements ⬆️ - This is our newest tab for our newest alert for clients who have been denied (or withdrew their application), or leads you manually added to the Credit Monitoring Group and they achieved a 580 FICO score. This alert only lasts for 7 days.
Major news! The Homebot Partner Network has launched and now we are able to include buyer agent information for all of your clients, regardless if the agent has Homebot or not. This is a big game-changer that will help keep agents and clients connected within Homebot unlike ever before.
Click here to view a recording from our Marketing Mastermind - Homebot Network Review meeting
Monday's are where you should plan to time block two hours to call approximately 40 agents. Whether it's your best referral partners, or someone you're trying to develop a relationship with, these calls will help you grow your business.
These strategies are proven and everyone has the time and capacity to follow this path! You can do this! Stick to it!
Sample Script:
Hey [Agent], it's [Your Name] from Castle & Cooke Mortgage. How was your weekend? Did you host any open houses?
I'm just calling to check in and see how everything is going with your buyers. Have they all been pre-qualified and set with their home loans? Do you have anybody you'd like me to chat with to help them get started? Are there any challenging buyers who are having trouble getting pre-qualified? Any buyers having trouble getting under contract?
Last questions - What can I do this week to help make your life a little easier? Do you have any open houses this weekend you need help with? Let me know if you need any flyers, websites, or loan scenarios. Or if you need help setting up, I'm happy to come early and put out signs, bring some water and snacks.
If there's anything else I can do, call me any time. I'll check back in with you next week.
Start setting up your calendars in Outlook to time-block two hours on Mondays for these calls starting next week!
Instructions for listing content
(Note: Agents MUST be set up in Total Expert first as a Co-Marketing Partner before you can co-brand any flyers or websites!
Step 1 - Create a Single Property Website
Instructions
- Go to WEB MARKETING > SINGLE PROPERTY SITES
- Click CREATE
- Enter the MLS in the SEARCH BY MLS field and click the magnifying glass
- Click on the home that pops up and wait for the page to refresh
- DON'T FORGET!!!! Click ADD next to your name under Lender Partners, and select your agent's name under Agent Partners.
- You can either leave the page as is and click ACTIONS>SAVE or click NEXT and play with the site layout, etc.
- Click ACTIONS>VISIT SITE to see the site live and to copy the URL
Step 2 - Create a Listing Flyer (or Open House flyer)
- Go to PRINT MARKETING>CREATE NEW
- Under the FOLDERS drop down select LISTING FLYERS
- Pick a flyer and click ACTIONS>SELECT
- Select your agent under CO MARKETING PROFILE
- Enter the MLS# and click the magnifying glass
- Click SELECT under the home
- Click CUSTOMIZE AND PUBLISH
- If it is an Open House flyer, be sure to enter the date and time in the appropriate field
- You may need to edit the home description so it can all fit
- Click SAVE FIRST DRAFT, then PUBLISH
- Click ACTIONS and GENERATE PDF
- You can either save the PDF to your desktop or copy the URL to the PDF
Step 3
- Now, open an email in Outlook, and send the link to the Single Property Site, the link to the PDF (or attach the file) to your agent!
- Don't forget to offer your agent the ability to purchase Open House Kits at EXCLUSIVE wholesale pricing (requires 7-10 days advance notice)
Ask any successful loan officer, and they'll tell you about Loan Status Update Tuesdays. This is a strategy our team has been sharing since the very beginning and when done properly, can ultimately save you time!
Each Tuesday, time block an hour to contact the borrower (it's ok if you just call the primary), buyer's agent, and seller's agent with an update on the home loan. It doesn't matter if there isn't any change to the loan's status from the previous week. The goal here is to provide weekly updates to calm nerves and anxiety through the process.
Sample Script:
Hey [Buyer], it's [Your Name] from Castle & Cooke Mortgage. Just giving you a ring with your Tuesday update call. I wanted to let you know that your home loan [insert status or update here]. Everything appears to be in good shape. Let me know if you have any questions and I'll be glad to help. I'll check back in next week with more news.
Hey [Buyer's Agent], it's [Your Name] from Castle & Cooke Mortgage. Calling to update you on the [Buyer's Name} loan at [Subject Property Address]. I wanted to let you know that [insert status or update here], and everything looks like it's in good shape. Before I let you go, do you have any buyers you'd like me to speak with? Do you have any needs for open houses you or your brokerage may be hosting this weekend? I'll check back in next week with more news.
Hey [Seller's Agent], it's [Your Name] from Castle & Cooke Mortgage. Calling to update you on the [Buyer's Name} loan at [Subject Property Address]. I wanted to let you know that [insert status or update here], and everything looks like it's in good shape. Are you hosting any open houses this weekend? Do you need my help setting up or can I bring some waters and snacks? How's everything going with your other transactions? Any challenging situations I can help with? I'll check back in with you next week with more updates on the loan.
The key here is to decrease your incoming calls from agents who constantly call you to check in on your borrower's home loan. Stick to it!
Each Wednesday, plan to time block one hour to call your funded clients going through the alphabet based by last name. (Week 1=A, Week 2=B, etc).
One letter a week for the next 26 weeks. When those six months are up, you start over! This allows you to give a personal call to your clients twice a year.
All it takes is time-blocking and sticking to the plan! You can do this!
Sample Script:
Hello [Client], it's [Your Name] from Castle & Cooke Mortgage. It's been a few months since we chatted last, so I just wanted to call and check in. I wanted to make sure you're getting your mortgage statements and that everything for your home loan is going smoothly.
Do you have any questions or run into any challenges lately?
Have you been reading your Homebot report you get each month?
We happen to have some new loan programs that can help people [pay down credit cards], [buy investment properties with their equity], [upgrade or downgrade], [get cash out for home improvements].
If you happen to know of any friends, family, or neighbors who might need help in that area, would you be so kind to pass them my contact info?
Thanks for being a great client - please call me any time if there's anything I can do to help.
Homebot does a great job in setting up your daily dashboard to show you clients who are motivated to sell (and also refi, but we are focusing on sellers for now).
For those of you who attended (or watched) our Homebot Best Practices on Day One of our Virtual Sales Rally, you may remember our rep, Bethany, showing us how to leverage and communicate with Motivated Sellers.
Each Monday you receive a report from Homebot showing your most active leads. When you click on VIEW ACTIVITY FEED it will bring you right to your Homebot Client Activity Feed.
Click on the MOTIVATED TO SELL filter and here are the folks you should call weekly.
Sample Script:
Hello [Client], it's [Your Name] from Castle & Cooke Mortgage. I just wanted to check in and see how you're liking your Homebot Digest? Do you have any questions about your home's value or some of the options you have? Based on your equity, you might have an opportunity to purchase a new home if you're thinking about a move. Should we set a time for your agent to do a CMA for a more accurate estimate? Have you been thinking about making a move, or using some of your equity? If you want, I can pull up your Homebot report and we can review your options together if you have time?
There is a reason they are called Motivated Sellers! They've explored their options in Homebot - get in front of them first to help them understand all the ways they can use their home equity. Stick to it!
Every Friday, time block two hours to call everyone AND their REALTOR in your pipeline who is pre-qualified but hasn't gone under contract.
Sample Script:
Hello [Client], it's [Your Name] from Castle & Cooke Mortgage. I just wanted to check in on your home search. How's everything going? Have you taken a look at your Homebot Buyer Report lately? Do we need to adjust your price point? Are there any contingencies we should re-think like appraisal or inspection? Anything else I can do or help with your home search?
Hello [Agent], it's [Your Name] from Castle & Cooke Mortgage. I just got off the phone with [Pre-Qualified Client], and he let me know they're still shopping for a new home. I wanted to ask if you thought maybe we need to revise their price range or change any of their contingencies? (If any changes are needed, let them know you'll send a revised pre-qualification letter). Are you working with anyone else this weekend I should chat with?
If you want to avoid people calling you in a panic over the weekend, this is a great way to cut down those calls. Stick to it!
Want to get the most out of Total Expert? Check out our Top High Value and High Dollar Actions
1) Log in to Total Expert Every. Single. Day.
2) Use Focused View every day as a call list to reach out to clients. We've created many Focused Views tied to Journeys and Campaigns so you can see who is actively receiving emails and texts from you. Be sure to log an outcome for each client within your Focused Views - don't let them just sit there. (Note: Customer Intelligence alerts only last seven days, so be sure to quickly log outcomes for anyone flagged for CI when you receive the user notification).
3) Use Journeys! Over the last few months, we've released a number of campaigns that fall outside of our usual automation strategies. These campaigns require you to add a contact and place them into a group, our use a Lead Capture App. Below you will see our brand new First Time Homebuyer Campaign. Last month we released the campaign and strategy for Divorced Leads. Earlier this year we released a campaign targeting renters. Setting clients up on these Journeys take very little time, and allow you to stay top of mind and provide valuable intel to push people to apply.
3) Connect with multiple co-marketing partners for more business. Think outside the box too! You can add accountants, attorneys, and even insurance agents as co-marketing partners. Remember the Divorce Lead Campaign from July?
4) Make sure your real estate agent co-marketing partners are at 100% completion! The biggest obstacle to this is their MLS-ID and affiliation.
a) When your agents connect their MLS to Total Expert, you'll be notified of new listings.
b) Create a Single Property Website, an Open House Lead Capture App, and a Listing Flyer for every new listing notification you receive. Then congratulate the agent for their new listing and send them the content you created.
5) Clear your tasks! When you receive or create a task, it's important you clear the task so they don't stack up in your account.
Last week we released a new process regarding CMA Requests you receive through Homebot. Be sure to watch a recap of our webinar here.
- When you receive a CMA Request via Homebot, you will get a notification from Homebot as well as a notification from Total Expert.
- On your behalf, we will send this email out to the client who requested a CMA.
- The onus is on the Loan Officer to reach out to either the client's buyers agent or another trusted agent partner and have them complete the CMA and return the info to you.
- See below for next steps
6. Log into Total Expert, navigate to Focused View, and find the client in the "Homebot CMA" Focused View
7. If the CMA has come in higher than what their Homebot was initially, then click LOG OUTCOME and select "CMA Completed - Value Improved"
8. If the CMA has come in lower than what their Homebot was, then click LOG OUTCOME and select "CMA Completed - Value Decreased"
9. Depending on their CMA results, one of two emails will be sent providing further information and encouraging them to reach out to you for next steps or questions. (Samples: Value Increased, Value Decreased)
6. Marketing will enter the CMA results into your client's Homebot
7. Marketing will log an outcome in Total Expert and depending on their CMA results, one of two emails will be sent providing further information and encouraging them to reach out to you for more next steps or questions. (Samples: Value Increased, Value Decreased)
8. Marketing will inform you when these steps are complete.
9. Marketing will track this client's progress, if a loan is created after the CMA has been logged, it will be marked as a company generated loan.
Social Media Post Instructions
Schedule all of your social media posts! Click here to jump down to our social media calendar. All posts are loaded and live in Total Expert and ready for you to pre-schedule to your channels. Pro-Tip: Delete and redo your Facebook and LinkedIn integrations before you start scheduling. Why? This will ensure an updated connection between the platforms, and will get you in the habit considering Linked In needs to be refreshed every 2 months. This won't affect your currently scheduled posts.
Instructions for posting:
- Log into Total Expert either via CCMConnect or http://expert.castlecooke.mortgage
- Refresh your Integrations
- Click on your Name/Photo in the upper right
- Click INTEGRATION SETTINGS
- Click DISCONNECT under Meta
- Click DISCONNECT under LinkedIn
- Click CONNECT under Meta
- Follow the on-screen instructions to log into your Facebook Account and click RECONNECT. Grant permissions if prompted.
- When prompted for a Facebook Account, click the dropdown box and select your business page and click UPDATE CONNECTIONS
- Click CONNECT under LinkedIn
- Follow the on-screen instructions to log into your Facebook Account and click RECONNECT. Grant permissions if prompted.
- When prompted for a Facebook Account, click the dropdown box and select your business page and click UPDATE CONNECTIONS
- Click WEB MARKETING > SOCIAL MEDIA > CREATE NEW
- Activate the GROW TIME DECEMBER 2025 tag
- Click on the TAGS drop down in the upper right
- You can either search or scroll to find the GROW TIME DECEMBER 2025 tag
- Click on the tag and your screen will refresh to show only this month's posts
- Be sure you have Total Expert open on one monitor and Grow Time open on another. Follow the social calendar below.
- Use the search bar on the left side and search for the post by name
- Click ACTIONS > SHARE
- Be sure to select the social networks you wish to use (Facebook, LinkedIn, Instagram)
- Under POST DATE select the suggested date according to our social calendar
- Under POST TIME select any time between 8pm and 10pm
- Click on SCHEDULE
- Repeat the above steps for each post on our calendar below
- Reach out to Marketing if you have any questions
December's Social Media Schedule
.png?width=1000&height=1279&name=_December%20growtime%20(2).png "_December growtime (2)")
Social Posts
All posts below are available in Total Expert. Contact Marketing if you need help integrating your Facebook, Instagram, and LinkedIn channels.
Post Date: December 3
Buy vs Rent - The Gift of Stability
Caption:
Rent checks sometimes disappear quicker than snowflakes, but homeownership can help build equity and lasting comfort. Ready to see if buying makes sense for you this holiday season? Check out my mortgage calculator below to find out: https://www.castlecookemortgage.com/rent-or-buy-calculator
Total Expert Tags: Buy vs Rent, First Time Home Buyer, Grow Time December 2025
Post Date: December 4
Get Pre-Qualified For Christmas
Caption:
Before you wrap presents under your own tree, wrap up your pre-qualification. Know what you can afford before shopping for your dream home. Click the link below to start.
Total Expert Tags: Pre-Qualified, Purchase, Grow Time December 2025
Post Date: December 5
Room For Every Stocking
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Growing family? Expanding traditions? Maybe it’s time for a bigger home to fit the holiday spirit, to make sure you can hang ALL the stockings by the chimney with care. Tap below to start your home search today.
Total Expert Tags: Homeownership, Goals, Grow Time December 2025
Post Date: December 6
Simplify The Season
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Sometimes the best holiday gift is less to clean, less to maintain, and more time for what matters. Could downsizing be your next chapter for 2026? Explore your options with the link below.
Total Expert Tags: Downsize, Homeownership, Grow Time December 2025
Post Date: December 7
Equity For Renovations
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From new kitchens to cozy fireplaces, your home equity could bring renovations to life this season. Check your home's potential equity with the link below.
Total Expert Tags: Home Equity, Renovation, Homebot, Grow Time December 2025
Post Date: December 8
Gift Funds - A Key To Homeownership
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This holiday season, gift funds from family can be the key to homeownership. Help with a down payment is a legacy that lasts. Click below to learn how gift funds work. https://www.castlecookemortgage.com/gift-funds
Total Expert Tags: Gift Funds, Down Payment, Grow Time December 2025
Post Date: December 9
A Hippopotamus For Christmas
Caption:
Do you want a hippopotamus for Christmas? If only a hippopotamus would do, maybe it's time to think about a bigger home. Let's take a look at your home's potential equity to explore your next steps - upgrading your current home to add more space, or finding you a new house big enough for your ultimate Christmas wish list. Click or tap below to get started.
Total Expert Tags: Home Equity, Goals, Grow Time December 2025
Post Date: December 10
Buy vs Rent - Don't Rent the Holidays
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This year, invest in yourself. Homeownership can mean control, comfort, and memories you’ll cherish year after year. Try our rent vs. buy tool below to compare. https://www.castlecookemortgage.com/rent-or-buy-calculator
Total Expert Tags: Buy vs Rent, Homeownership, Grow Time December 2025
Post Date: December 11
Home is Where Traditions Gather
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Imagine hosting the holidays in your very own home. Space for the tree, the feast, and the family. Click below to get started on your journey.
Total Expert Tags: Homeownership, First Time Home Buyer, Grow Time December 2025
Post Date: December 12
Buy When You're Ready
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Tis the season. But when? The best season to buy isn’t about the calendar... it’s about your goals, but most importantly your comfort. Whether it's financial or social, when you’re ready, we’ll help you find your way home. Check out our monthly payment calculator below to see what’s possible. https://www.castlecookemortgage.com/monthly-payment-calculator
Total Expert Tags: Buy vs Rent, First Time Home Buyer, Grow Time December 2025
Post Date: December 13
Referrals - The Best Gift You Can Give Me
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If you know someone dreaming of homeownership, connect us. Helping friends and family find a home is the gift that keeps giving. Share the link below to introduce us.
Total Expert Tags: Relationship Building, Homeownership, Grow Time December 2025
Post Date: December 14
Ring In The New Year Debt Free
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Use the potential equity in your home to pay down high-interest debt. Start fresh in 2026. Tap below to request your free equity report.
Total Expert Tags: Debt Consolidation, Home Equity, Grow Time December 2025
Post Date: December 15
Refinance and Relax
Caption:
Rates are in a much better place than they were at the beginning of the year, and significantly lower than their recent peak in October 2023. If you bought within that window, you may be able to lower your interest rate, free up cash, and enjoy the holidays with less stress. Click below to see if refinancing makes sense for you. https://www.castlecookemortgage.com/refinance-calculator
Total Expert Tags: Refinance, Grow Time December 2025
Post Date: December 16
Seller Contributions - A Gift From the Seller
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Did you know seller concessions/contributions can help with closing costs or even buy down your rate? Click or tap the link below to learn more about Seller Concessions: https://www.castlecookemortgage.com/seller-concessions
Total Expert Tags: Seller Concessions, Grow Time December 2025
Post Date: December 17
House Hacking - Cozy Co-Ownership
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Tired of renting? Teaming up with siblings or friends to buy a home can turn holiday dreams into reality. Click below to see if it makes sense for you (plus your family or friends) to create lasting holiday memories with. https://www.castlecookemortgage.com/rent-or-buy-calculator
Total Expert Tags: Homeownership, Goals, Grow Time December 2025
Post Date: December 18
Dreaming of Your Next Home This Holiday?
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This year as you wrap gifts, start unwrapping possibilities. Are you thinking about upsizing? Downsizing? Relocating? Or are you a first-time homebuyer ready for a home of your own? No matter where you are in your homeownership journey, the best time to start looking is now. Check out our property search tool today.
Total Expert Tags: First Time Home Buyer, Homeownership, Grow Time December 2025
Post Date: December 19
Get Pre-Qualified - Check Your List Twice
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Santa checks his list. You should check yours too. Twice! The first step to homeownership is to get pre-qualified. This essential step helps you set a budget, and know how much home you can afford before you start taking a look at open houses. Click or tap the link below to get pre-qualified today!
Total Expert Tags: Pre-Qualified, Homeownership, Grow Time December 2025
Post Date: December 20
Happy Holidays
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Wishing you joy, peace, and warm memories this holiday season.
Total Expert Tags: Holiday, Christmas, Grow Time December 2025
Post Date: December 21
Buy vs Rent - Rent is the Grinch of Your Budget
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You're a mean one, Mr. Landlord. Don’t let rent payments steal your potential wealth or equity year after year. Put those payments toward your own home instead. Check your numbers with our rent vs. buy calculator below. https://www.castlecookemortgage.com/rent-or-buy-calculator
Total Expert Tags: Buy vs Rent, Homeownership, Grow Time December 2025
Post Date: December 22
A Fresh Start Begins With a New Home
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As the year winds down, imagine what a new address could mean for you. More space, a new neighborhood, fresh beginnings, a NEW chapter in your life. Whether it's your first home, next home, or you want to make your current home your BEST home, contact me today to explore all your options
Total Expert Tags: Purchase, Homeownership, Grow Time December 2025
Post Date: December 23
Gift Funds - The Gift of Home is Priceless
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This season, consider helping a loved one with gift funds for their down payment. Click below to learn more and get started today.
Total Expert Tags: Gift Funds, Homeownership, Grow Time December 2025
Post Date: December 24
Cash Out Refi - Holiday Expenses Catch You Off Guard?
.jpg?width=300&height=375&name=Holiday%20Expenses%20-%20Social2%20(1).jpg "Holiday Expenses - Social2 (1)")
Caption:
If your credit card bill was a bit higher this year, you aren't alone. With the current state of inflation, and high retail credit card APRs, you might be keeping an eye on your credit card debt this holiday season. It’s important to know there are options available! Check back here after Christmas to learn more!
Total Expert Tags: Cash Out Refi, Debt Consolidation, Grow Time December 2025
Post Date: December 25
Merry Christmas
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From our Castle to yours, Merry Christmas! May your day be filled with warmth and love.
Total Expert Tags: Holiday, Christmas, Grow Time December 2025
Post Date: December 26
Cash Out Refi - Extra Generous This Year?
.jpg?width=300&height=375&name=Holiday%20Expenses%20-%20Social%20(1).jpg "Holiday Expenses - Social (1)")
Caption:
Your friends and families will love you this year. But what about your bank account? Credit card debt is high and so are the interest rates. That could affect your bottom line and you might be concerned 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. Start your New Year's resolution early and contact me today.
Total Expert Tags: Cash Out Refi, Debt Consolidation, Grow Time December 2025
Post Date: December 27
Bigger Tree, Bigger Joy, Bigger Home
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With the holidays behind us, are you realizing the holidays felt a little cramped? Whether you were fighting for elbow room at a friends house, or your family was stacked on top of each other in your home, now could be the time to start looking for a bigger (or your first!) home for the holidays. Start browsing listings in your area with our home shopping tool below.
Total Expert Tags: Goals, Homeownership, Grow Time December 2025
Post Date: December 28
Referrals - The Best Gift For The New Year
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Help your friends or family start their home journey in 2026. Your recommendation could change their year and possibly their life. Share the link below to connect us
Total Expert Tags: Relationship Building, Grow Time December 2025
Post Date: December 29
Lower Payments = End of Year Cheer
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A rate and term OR a cash out refinance could mean extra room in your budget for what matters most. Whether you're curious about which option could be best, or want to know how much your home is worth, click the link below to get started.
Total Expert Tags: Refinance, Cash Out Refi, Grow Time December 2025
Post Date: December 30
Start The New Year On Solid Ground
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Only a few more sleeps until 2026! Now's a great time to start thinking about your goals for the new year. If one of those goals is paying down credit card debt or other outstanding bills, your home's potential equity could help pay down debt or fund big goals for 2026. Click below to get your year-end home equity report.
Total Expert Tags: Goals, Home Equity, Refinance, Grow Time December 2025
Post Date: December 31
Cheers To New Opportunities
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Step into 2026 with confidence! Whether it’s refinancing, buying, or investing, your next move starts with a conversation. Click or tap the link below to get started.
Total Expert Tags: Homeownership, Goals, Grow Time December 2025
Post Date: January 1
Happy New Year
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Wishing you peace, prosperity, and fresh beginnings. Here’s to a year filled with new opportunities, and maybe a new home too!
Total Expert Tags: Holiday, New Year, Grow Time December 2025
Post Date: January 2
New Year, New Beginnings
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The start of a new year always brings optimism. A clean slate. A blank canvas. YOU get to control the narrative for 2026. Join me over the next few days as we explore how a new year can bring new things to your home, or your homeownership journey.
Total Expert Tags: Homeownership, Goals, Grow Time December 2025
Post Date: January 3
New Year, New Home
.jpg?width=300&height=375&name=new%20year%20new%20home%20(1).jpg "new year new home (1)")
Caption:
Could 2026 be the year you're ready to make a move? Check out our home shopping tool to find the perfect place to start your next chapter. Click or tap below to start shopping today.
Total Expert Tags: Homeownership, Goals, Grow Time December 2025
Post Date: January 4
New Year, New Rate
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Lower payments could mean more room in your budget all year long. Let's see if refinancing makes sense for you. Contact me today to get started.
Total Expert Tags: Refinance, Grow Time December 2025
Post Date: January 5
New Year, New Connections
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If someone you know plans to buy, sell, or refinance, send them my way. The best introductions happen at the start of a new year. Share my link below to connect us.
Total Expert Tags: Relationship Building, Grow Time December 2025
Post Date: January 6
New Year, New Vibes
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Have you been thinking about upgrading your kitchen, installing new flooring, or an epic backyard project? A new year is a great time to renovate and refresh, and your home's potential equity could help! Our FREE home value report and shed some light on your home's estimated equity, and give you options for next steps. Click here to get started
Total Expert Tags: Homeownership, Home Equity, Grow Time December 2025
Bonus Content
Holiday Season Collateral
Available This Holiday #1
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Lots of long weekends coming up! Just because the holidays are here doesn’t mean the home loan process stops. Even when the markets are closed, I’m still available to help support clients and real estate agents! Call or text any time! Happy Holidays!
Total Expert Tags: Relationship Building, Grow Time November 2025
Available This Holiday #1
Total Expert Tags: Relationship Building, Grow Time November 2025
Available This Holiday #2
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You can count on me this holiday season to be available through the various long weekends. Whether it’s a question, status update, or even if you want my secret recipe for holiday cookies, I’ll be around! Call or text any time! Happy Holidays!
Total Expert Tags: Relationship Building, Grow Time November 2025
Available This Holiday #2
Total Expert Tags: Relationship Building, Grow Time November 2025
Available This Holiday (Email)
Total Expert Tags: Relationship Building, Grow Time November 2025
2026 Conforming Loan Limit Increase Collateral
2026 Conforming Loan Limit Increase
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We've increased our Conforming Loan Limits to $819,000. Best of all, you don't need to wait until 2026 to get started! With less stringent requirements compared to other loan programs, optimal pricing for eligible borrowers, and down payments as little as 3%, now's the time to make your move! Click or tap the link below to get pre-qualified today.
Total Expert Tags: Conforming Loans, Loan Limits, Grow Time October 2025
2026 Conforming Loan Limit Increase
Total Expert Tags: Conforming Loans, Loan Limits, Grow Time October 2025
2026 Conforming Loan Limit Increase
Total Expert Tags: Conforming Loans, Loan Limits, Grow Time October 2025
HUD Section 184 Loan Guarantee Program Collateral
HUD Section 184 Indian Housing Loan Guarantee Program #1
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Everyone deserves a place to call home - especially those whose roots run deep on this land. We are offering an exclusive Native American home loan program that requires as little as 2.25% down, a low guaranteed fee, has flexible credit requirements, and offers competitive interest rates. Connect with me today to learn more!
Total Expert Tags: HUD Section 184, Loan Program, Grow Time November 2025
HUD Section 184 Indian Housing Loan Guarantee Program #2
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Everyone deserves a place to call home - especially those whose roots run deep on this land. We are offering an exclusive Native American home loan program that requires as little as 2.25% down, a low guaranteed fee, has flexible credit requirements, and offers competitive interest rates. Connect with me today to learn more!
Total Expert Tags: HUD Section 184, Loan Program, Grow Time November 2025
HUD Section 184 Indian Housing Loan Guarantee Program
Total Expert Tags: HUD Section 184, Loan Program, Grow Time November 2025
HUD Section 184 Indian Housing Loan Guarantee Program
Total Expert Tags: HUD Section 184, Loan Program, Grow Time November 2025
Financial Planner & Divorce Attorney Marketing
Financial Planner Marketing
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If you're a financial planner, consider working with a mortgage pro who can help deliver more for your clients. When we work together, you'll gain access to home equity reports for your homeowners, property search tools for buyers and investors, and a huge library of co-branded mortgage marketing content to share. Let's work together and collaborate to help your clients make smarter financial moves to build wealth through real estate. Click or tap the link below to get started
Total Expert Tags: Financial Planner, Grow Time October 2025
Financial Planner Marketing
Total Expert Tags: Financial Planner, Grow Time October 2025
Financial Planner Marketing
Total Expert Tags: Financial Planner, Grow Time October 2025
Divorce Attorney Marketing
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When your clients are facing divorce, the home is often the hardest part. A trusted mortgage professional can help you guide them through their options with clarity and compassion.
Total Expert Tags: Attorney, Divorce, Grow Time October 2025
Divorce Attorney Marketing
Total Expert Tags: Attorney, Divorce, Grow Time October 2025
Divorce Attorney Marketing
Total Expert Tags: Attorney, Divorce, Grow Time October 2025
Training: 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
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!
2026 FHA Loan Limit Increase Collateral
2026 FHA Loan Limit Increase
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Great news! FHA loan limits are increasing for 2026! The new limit for most single-unit properties will be $541,287, with some high-cost increasing to $1,249,125. With relaxed credit scores, and down payments as little as 3.5% - an FHA loan is often a great way for homebuyers across the country to realize the dream of homeownership. Contact me today to get pre-qualified!
Total Expert Tags: FHA, Loan Limits, Grow Time December 2025
2026 FHA Loan Limit Increase
Total Expert Tags: FHA, Loan Limits, Grow Time December 2025
2026 FHA Loan Limits
Total Expert Tags: FHA, Loan Limits, Grow Time December 2025
Weekly Rate Update
Weekly rate update posts will appear here every Thursday morning...stay tuned!
Weekly Rate Update Social - 12.18.25
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The average 30-year fixed-rate mortgage has remained within a narrow 10-basis point range over the last two months. With rates down half a percent over last year, purchase applications are 10% above the same time one year ago.
The 30-year fixed-rate mortgage averaged 6.21% as of December 18, 2025, down slightly from last week when it averaged 6.22%. A year ago at this time, the 30-year FRM averaged 6.72%.
The 15-year fixed-rate mortgage averaged 5.47%, down from last week when it averaged 5.54%. A year ago at this time, the 15-year FRM averaged 5.92%.
Total Expert Tags: Freddie Mac Weekly Rate Update, Grow Time December 2025
Weekly Rate Update - 12.18.25
Total Expert Tags: Freddie Mac Weekly Rate Update, Grow Time December 2025
Weekly Rate Update - 12.18.25
Total Expert Tags: Freddie Mac Weekly Rate Update, Grow Time December 2025