Grow Time
January 2023

Quick Links

Total Expert is Here!

It's an exciting time for CCM as we launch Total Expert - our CRM/CSM to replace the Forge (Surefire). All LO's by now should have either attended or watched recordings from Total Expert's trainings on January 4th and 6th.

In the last two Total Expert trainings, we discussed how all marketing collateral is now housed in Total Expert. There are no more direct links to social posts or emails, therefore we included helpful tags with each flyer, email, or social post which you can use to search. You can also search by the title (or partial title) of the piece as well.

Starting on January 12th, we're beginning Total Expert Thursdays - a 16-week course to master everything about our newest CRM/CSM. Read the emails, participate fully, and reach out if you have any questions.

Be sure to invite all your agents into Total Expert to co-market with you. If you want to do this now before we move your contacts over, be sure the agent's name and email matches what you have in The Forge. You can also download their photo and logo from The Forge and copy over their info.

Contact migration for the field is about 25% done. We will keep everyone informed about the Byte Integration.

Remember to access Total Expert, you need to go to http://expert.castlecooke.mortgage 

New Content

New FHA Loan Limit Increase Collateral

Emails:
- FHA Loan Limit Update 2023 - Client Email
- FHA Loan Limit Update 2023 - Agent Email
Total Expert Tags: FHA, First Time Home Buyer, Loan Limits, Grow Time January 2023

FHA - 2023 Loan Limit Update - Option 1

FHA-2023-Limits-Social

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

Total Expert Tags: FHA, First Time Home Buyer, Loan Limits, Grow Time January 2023

FHA - 2023 Loan Limit Update - Option 2

FHA-2023-Limits-Social2

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

Total Expert Tags: FHA, First Time Home Buyer, Loan Limits, Grow Time January 2023

FHA - 2023 Loan Limit Update - High Cost Areas

FHA-2023-Limits-Social3

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

Total Expert Tags: FHA, First Time Home Buyer, Loan Limits, Grow Time January 2023

FHA Loan Limit Increase 2023 - Single Branded
-or-
FHA Loan Limit Increase 2023 - Co Branded

FHA 2023 Limits-Flyer

Total Expert Tags: FHA, First Time Home Buyer, Loan Limits, Grow Time January 2023

New Conforming Loan Limits Collateral

Emails:
- CLIENTS - 2023 Conforming Loan Limit Increase
- AGENTS - 2023 Conforming Loan Limit Increase
Total Expert Tags: Conforming Loans, Loan Limits, Grow Time January 2023

Conforming Loan Limits Increase to $726,200

conforming loan limit-01 (1)

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.

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

Conforming Loan Limits Increase to $1,089,300 - High Cost Areas

2023 Conforming Loan Limits - High Cost Areas-01

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

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

Conforming Loan Limit Increase 2023 - Single Branded

or

Conforming Loan Limit Increase 2023 - Co Branded

conforming limit_flyer-01

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

New Videos

Seller Concessions

Homebot for Agents

Caption:

From covering closing costs to interest rate buydowns, sellers across the country are starting to offer concessions once again. What does this mean for you as a buyer? It means you don't need to wait for interest rates to drop! You can take advantage of many different seller concessions including interest rate buydowns! Click here to learn more about your options in this ever changing market:  https://www.castlecookemortgage.com/seller-concessions#Firstname_Lastname
#castlecookemortgage #buyersmarket #sellersmarket #realestate #closingcosts #sellerconcessions #homeloans #mortgage

Download the video here to post on social media: https://vimeo.com/783028688

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:
Exciting news for real estate agents! Castle & Cooke Mortgage has partnered with Homebot to provide monthly home equity insight to each of our borrowers, and we can now co-brand these reports with your information to share with your clients too! Contact me today to sign up #castlecookemortgage #homeloans #equity #realestate #heloc #cashout #homevalue

Download the video here to post on social media: https://vimeo.com/787632528

Homebot for Consumers

Caption:
Are you sitting on a hidden savings account? Contact me to find out. #castlecookemortgage #homeloans #homeequity #refinance #heloc #cashout

Download the video here to post on social media: https://vimeo.com/787632549

New Years Resolution Social Post

Let Us Help You Achieve Your 2023 New Year's Resolution

2023 New Years Resolutions

Caption:

Is owning a home one of your New Year's Resolutions? We're here to tell you that it's achievable! Contact me today for more information! #2023 #newyearsresolution #ownahome #castlecookemortgage #homeownership #homeloans #heretohelp

Total Expert Tags: Relationship Building, Grow Time January 2023

New Personal Safety Flyer for Agents

Agents - Personal Safety Tips

Safety Tips for Realtors-01

Total Expert Tags: Agent Marketing, Real Estate Agent, Realtor, Grow Time January 2023

New Gift Funds Instagram Carousel
gift of homeownership-01

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.

You Might Have Missed...
New Rate Buydown Collateral

Rate Buydown - Buydown Your Rate

buydown your rate-01

Caption:

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

Total Expert Tags: Buydown, Buy vs Rent, Grow Time January 2023

Rate Buydown - Don't Let Rates Hold You Back

dont let rates hold you back-01

Caption:

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

Total Expert Tags: Buydown, Buy vs Rent, Grow Time January 2023

Rate Buydown - We've Got Options

weve got options-01

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

Total Expert Tags: Buydown, Buy vs Rent, Grow Time January 2023

New Cash Out Collateral

Cash Out - Wrap Up Multiple Bills Into One

wrap up bills-01

Home Equity - Tap That Equity!

tap that equity-01

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!

Total Expert Tags: Cash Out Refi, Debt Consolidation, Grow Time January 2023

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.

Total Expert Tags: Cash Out Refi, Home Equity, Grow Time January 2023

Marketing Mastermind and Homebot Trainings
This Month's Featured Blog Posts

These featured blog social posts are available within Total Expert, or you can post them manually using our Instagram instructions.

Blog Post - How Can I Improve My Mortgage Rate?

Improved mortgage rate-01

Caption:
Interest rates and home loans go together like peanut butter and jelly. Want to understand what goes into mortgage interest rate? Or see tips on how to improve your rate? Read this article to find out what it takes. https://www.castlecookemortgage.com/blog/how-can-i-improve-my-mortgage-rate #castlecookemortgage #mortgagerates #homeloans #homebuyereducation

Total Expert Tags: Blog Content, Interest Rates, Grow Time January 2023

Blog Post - Don't Spend All Your Spare Cash!

Dont spend all spare cash-01

Caption:
Don't get caught by surprise! You’ll need more than just a down payment to buy a home. https://www.castlecookemortgage.com/blog/dont-spend-all-your-spare-cash
#castlecookemortgage #closingcosts #closingday #homeloans

Total Expert Tags: Blog Content, Down Payment, Grow Time January 2023

Blog Post - Pro Tip: Trim Your Trees In Winter!

Trim Trees Blog

Caption:
Beat the spring honey-do list and find out why trimming trees in late winter is a good idea: https://www.castlecookemortgage.com/blog/trim-trees-in-winter #castlecookemortgage #hometips #homeloan #mortgage #realestate

Total Expert Tags: Blog Content, Homeowner Tips, Grow Time January 2023

Holiday Social Posts

Important Note: As we complete our transition into Total Expert, posts are no longer subscription based.

This means you will need to manually schedule every holiday post as you choose within Total Expert or post them manually using our Instagram instructions.

Jan. 16: Martin Luther King Jr. Day

MLK day

Caption:

"Darkness cannot drive out darkness; only light can do that. Hate cannot drive out hate; only love can do that." Happy MLK Day!

Total Expert Tags: Holiday, Martin Luther King Jr Day, Grow Time January 2023

If posting to Instagram, download this image here.

Jan. 21: National Hug Day

National hug day-01

Caption:

Remember to hug your loan officer at the funding table.

Total Expert Tags: Holiday, Just For Fun, Grow Time January 2023

If posting to Instagram, download this image here.

Jan. 22: Chinese New Year

01.22 Chinese New Year

No Caption

Total Expert Tags: Holiday, Just For Fun, Grow Time January 2023

If posting to Instagram, download this image here.

Jan. 30: National Croissant Day

01.30 National Croissant Day

No Caption

Total Expert Tags: Holiday, Just For Fun, Grow Time January 2023

If posting to Instagram, download this image here.

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!

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Image-2022-04-25 14_10_52
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!

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)!
Marketing Archive
Latest Video Archive

You can download any of these videos and more from our new Vimeo Showcase: https://vimeo.com/showcase/10102542

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: https://vimeo.com/783027800

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: https://vimeo.com/783027563

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

Caption:

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: https://vimeo.com/783027638

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!

Caption:

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: https://vimeo.com/783027695

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)

Caption:

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: https://vimeo.com/783025285

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

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: https://vimeo.com/783028332

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: https://vimeo.com/783028295

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: https://vimeo.com/783027745

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: https://vimeo.com/783028536

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: https://vimeo.com/783027627

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 Archive

Side Effects of High Interest Rates

High interest rates-01 (1) (1)

Side Effects of High Interest Rates (Instagram Carousel)

collage-01

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 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

Total Expert Tags: Interest Rates, Market Conditions, Grow Time January 2023

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.

Thinking of Selling Your Home?

thinking of selling your home-1

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

Total Expert Tags: Market Conditions, Grow Time January 2023

Sellers - Thinking of Selling Your Home? - Single Branded

or

Sellers - Thinking of Selling Your Home? - Co Branded

thinking of selling your home_flyer_TE

Total Expert Tags: Market Conditions, Grow Time January 2023

Date the Rate, Marry the House

date your rate

Caption:
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

Total Expert Tags: Buy Now Refinance Later, Market Conditions, Grow Time January 2023

Got the homeowner scaries?

homeowner scaries (1)

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

Total Expert Tags: Buy Now Refinance Later, Market Conditions, Grow Time January 2023

Do Your Future Self a Favor

future self

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

Total Expert Tags: Buy Now Refinance Later, Market Conditions, Grow Time January 2023

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!