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July 2024
Homebot Partner Intelligence July Content Recommendations Tactical Tuesdays Marketing Mastermind - 7/9 Divorced Leads Campaign Weekly Calling Strategy Suggested Social Calendar Social Posts Emails Flyers Keys to Success Video Archive Grow Time Archive
Homebot Partner Intelligence

At the end of this month, we'll be saying goodbye to MMI forever!

To replace this valuable tool, we've partnered with Homebot to bring you everything you've found in MMI plus a heck of a lot more, including AI powered conversations to help you develop the right partnerships with the right agents.

Click here for a recording of our kick-off call!

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July Content Recommendations

1) Schedule all of your social media posts! Click here to jump down to our social media calendar. All posts (except the one locked for Mastermind attendees) 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 Linked In 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.

2) Promote your Facebook Business Page with all your contacts! Send the "Find Me On Facebook" email in Total Expert!
Instructions
- Find the email you want to send, click ACTIONS>SEND
- Then click on SELECT RECIPIENTS
- We recommend you send this to every contact in your account! Every agent, every lead, every client, EVERY ONE! So click the checkbox next to Name to select all your clients.
- You can either send immediately or schedule (we recommend sending this over the Fourth of July Weekend)
- Contact Marketing if you need help

3) Do you have leads who aren't under contract and still shopping, or leads who are concerned about the state of the housing market and think we're headed for another 2008-style collapse? Send them the "Different Housing Market Compared to 2008" email in Total Expert!
Instructions
- Find the email you want to send, click ACTIONS>SEND
- Then click on SELECT RECIPIENTS
- Find the recipient(s) you wish to send the email to and click the checkbox next to their name(s)
- You can either send immediately or schedule (we recommend sending this the week of June 8th)
- Contact Marketing if you need help

4) Reach out to your high and mid equity clients! Send the "Make Your Credit Card Debt Disappear" email in Total Expert
Instructions (read carefully, this process is different)
- Click on the LEADS & CONTACTS tab and click CLIENTS
- At the top of the page, you will see a new tab: HIGH EQUITY CLIENTS. Click on this tab. This collects funded clients with 25% or less LTV
- Take a careful look at the clients who appear in this list. Then click the checkbox next to Name to select everyone in this list
- A new blue ACTIONS button will appear. Click that and select SEND EMAIL
- Search for the email by typing the title in the search bar
- Click ACTIONS and then click SEND
- You can either send immediately or schedule. The contacts have already been selected by following the steps above (we recommend sending this the week of July 22nd, which just so happens to be ScottyK's birthday)
- Repeat this process for the MID EQUITY CLIENTS tab
- Contact Marketing if you need help

5) Pick the "House Hacking" flyer, download it from Total Expert, and print 100 copies. This section should not be new to any of you - divide them up into groups of 25 and visit four different real estate brokerages. OR divide them into two groups of 50 and visit two offices. If you know any agents in these offices and they are a co-marketing partner in Total Expert, then co-brand the flyers before downloading and printing them!

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Tactical Tuesdays

Introducing Tactical Tuesdays with the Marketing Team!

Beginning July 16th, each Tuesday at 1:30pm MT, you'll have the Marketing Team at your disposal to answer any questions about Total Expert, Homebot, video marketing, social media, and more! This is a standing 45-minute meeting every week, join us as often as you need and ask every question you have!

Look out for a calendar invite!

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Marketing Mastermind - July 9th

We had our fourth and final Lead Capture App Training on July 9th.

Together we created a Lead Capture App using the First Time Homebuyer layout and used the link within the "Different Market than 2008" social post scheduled for July 11th.

Unfortunately we forgot to record it! Oops. So please watch last month's training to simply learn how to create the Lead Capture App and how to paste the link in the social post message, and how to pre-schedule the post.

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Divorced Leads Campaign

Time to grow your business beyond real estate agents!

Our social post for this topic says "divorce and mortgages never mix," but in reality, with a bit of strategic thinking and partnerships, this could open up a new channel of business.

Loan Officers are encouraged to reach out to local divorce attorneys in their area to develop a relationship as there are going to be many situations where separating parties are both homeowners and something's gotta be done about the house... 

The strategy: Make friends with divorce attorneys, develop a partnership/relationship, talk about how awesome you are at being a loan officer, ask if you can invite them to co-market in Total Expert with you - let them know we have a social post, co-branded flyer, and co-branded email campaign available for them. Ask them if they are willing to provide leads you can co-market to together. They can either upload leads into their end of Total Expert and share them, or pass them to you. 

The steps:
Adding a Co-Marketing Partner in Total Expert
- Click on the Co-Marketing Partners tab
- Click INVITE NEW CONNECTIONS
- Enter your partner's email address and be sure to click on the email address so it populates in the box
- Click NEXT
- Add as much up front contact information about your partner as possible across the screens. Since you are adding a divorce attorney you can ignore the MLS Info screen
- If you have their photo and logo, add it too. Maximum file size is 1MB, so if you need these resized, contact Marketing.
- Then send the invitation on the final screen
- Contact your partner and ensure they open the email, accept their invitation, and create their account. Make sure they check and update their information too.
- Note: Sometimes emails can be delayed a few hours
- Be sure to contact Marketing so we can help them learn Total Expert!

If your new divorce attorney co-marketing partner gives you a spreadsheet of leads to contact (this is the preferred method), simply pass that spreadsheet to the Marketing Team and we will take care of the rest, including loading them onto the email campaign!

If your new divorce attorney co-marketing partner adds a contact to Total Expert
- Be sure they share the contact with you by selecting your name in the SHARED WITH field under the SHARING/ASSIGNMENT section when creating a new contact record
- When you are alerted a divorced-lead contact has been shared with you, be sure to add them to the Divorced Attorney Leads group in Total Expert. This will automatically kick off the co-branded email campaign!

If your new divorce attorney co-marketing partner gives you a few names and a time and you want to enter them manually in Total Expert
- Click on LEADS & CONTACTS and then CONTACTS
- Click on CREATE CONTACT
- Input as much info as possible, at the very minimum we must have a full name and email address (only use the EMAIL field)
- Share them with your divorce attorney co-marketing partner by selecting their name in the SHARED WITH field under the SHARING/ASSIGNMENT section
- In the CONTACT GROUPS section, select the Divorced Attorney Leads group. This will automatically kick off the co-branded email campaign!

As always, contact our team if you need help or training!

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Your Weekly Calling Strategy

Last month we introduced a weekly business development strategy to make seven hours worth of calls to clients and agents each week.

Seven hours of weekly prospecting to grow your business! You got this! Stick to it!

If you are new to CCM or need a refresher, you will find sections below that detail each day's calling campaign. Time block your calendar accordingly: Monday = Two Hours | Tuesday = One Hour | Wednesday = One Hour | Thursday = One Hour | Friday = Two Hours.

Click the + next to each section to review.

  1. Agent Relationship Strategies

    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)

  2. Loan Status Update Calls

    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!

     

  3. Alphabet Calls

    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. 

  4. Homebot Motivated Clients

    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!

  5. Friday Pre-Qual Check Ins

    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!

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Suggested Social Calendar
_July growtime 2

Attention Utah LOs! We have included a Pioneer Day post in Total Expert for you to share across your social networks.

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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: July 2
Dotting the i's and Crossing the t's For Your Loan

dotting is and crossing ts

Caption:
I make it my mission to stay ahead of the curve with the latest loan programs and products, ensuring that you receive the best home financing deal available. Not only that, but I also meticulously analyze your unique circumstance to ensure you fully capitalize on your loan benefits; whether you're buying a home, refinancing, or tapping into your home’s potential equity. Detail-oriented isn't just a phrase for me – it's ingrained in my approach. Contact me today to discover how I can provide you with unparalleled service and support!

Total Expert Tags: Relationship Building, Loan Program, Grow Time July 2024

Post Date: July 3
Your Fur Babies Deserve Lots of Space

Caption:
Have you had enough with the pet rent? Homeownership could be your solution! Your furry BFF deserves plenty of space to roam around, and would more than likely love an outdoor area to play in. Contact me today to give your fur baby a better quality of life!

Total Expert Tags: First Time Home Buyer, Buy vs Rent, Grow Time July 2024

Post Date: July 4
Independence Day

Caption:
Freedom rings, and so do we! Celebrating liberty, unity, and the red, white, and blue. Happy Independence Day!

Total Expert Tags: Holiday, Just For Fun, Grow Time July 2024

Post Date: July 5
To Refinance Or Not To Refinance?

refinance or not (4)

Caption:
Wondering if refinancing is worth it in today's mortgage market? While interest rates have risen since the pandemic, refinancing could still save you money by consolidating debts into your mortgage payment. However, if you're planning on conducting a home renovation or a need some extra cash for a one-time expense, a HELOC or HELOAN with a separate interest rate might be better. Let's chat today to see what option would be best for your situation!

Total Expert Tags: Refinance, HELOC/HELoan, Grow Time July 2024

Post Date: July 6
Your Pre-Qualification Letter Is Important To Me

prequal letter (2)

Caption:
A pre-qualification letter is key to a smoother home buying process! It shows sellers you're a serious buyer and helps you understand your budget. I promise to take your pre-qualification seriously, going above and beyond by triple-checking numbers, bank statements, and credit to ensure you can afford the perfect home for you. It only takes a few minutes—give me a call today for a no-obligation consultation!

Total Expert Tags: Purchase, Pre-Qualified, Grow Time July 2024

Post Date: July 7
Chocolate Day

Caption:
Life is better with chocolate! Celebrate Chocolate Day by indulging in a little sweetness today.

Total Expert Tags: Holiday, Just For Fun, Grow Time July 2024

Post Date: July 8
About 97% of U.S. Land is USDA Eligible

USDA eligible (1)

Caption:
A USDA Home Loan is a government-backed mortgage option helping rural and suburban homebuyers achieve homeownership with little to no down payment. Competitive rates, flexible credit requirements, and low mortgage insurance are just a few benefits that come with this program. Interested? Contact me today to discover what areas are USDA eligible!

Total Expert Tags: Loan Program, USDA, Grow Time July 2024

Post Date: July 9
7 Steps to Homeownership - Step 1: Pre-Qualification

step one - prequalification (2)

Caption:
Before you start exploring home listings with your real estate agent, it's important to get pre-qualified first. This step will allow you to know exactly how much you can afford and will estimate your monthly mortgage payment. I have access to many unique loan products, down payment assistance programs, and competitive rates & terms. It only takes a few minutes to get pre-qualified, contact me today to get started. 

Total Expert Tags: Pre-Qualified, Education, First Time Home Buyer, Grow Time July 2024

Post Date: July 10
7 Steps to Homeownership - Step 2: Find a Home

step two - find a home (2)

Caption:
Congratulations on getting pre-qualified! Now, you might be wondering, "What's next?" If you haven't connected with a real estate agent yet, I can introduce you to a trusted colleague. Your agent will have access to the MLS for home listings, help you weigh the pros and cons of different homes and neighborhoods, and advocate for you during negotiations. Saying YES to your new home will be a moment you'll never forget! Reach out if you have any questions!

Total Expert Tags: Education, First Time Home Buyer, Grow Time July 2024

Post Date: July 11
It's A Different Housing Market Compared to 2008

different housing market (4)

Caption:
Today's housing market is much more stable compared to 2008, thanks to stricter mortgage lending practices, low foreclosure rates, and high demand and low inventory. Economists believe a crash is unlikely due to all these factors. If you're considering buying a home, now could be a great time! Reach out to explore your options.

Total Expert Tags: Market Conditions, Purchase, Grow Time July 2024

Post Date: July 12
7 Steps to Homeownership - Step 3: Home Inspection

step three - inspection (1)

Caption:
We highly recommend a home inspection for peace of mind regarding any needed repairs. The inspector will highlight urgent issues, and your agent can negotiate repairs or adjustments to the sale price with the sellers before closing. Your agent and I will be in touch during this process, but please don't hesitate to reach out if there's anything I can help with! 

Total Expert Tags: Education, First Time Home Buyer, Grow Time July 2024

Post Date: July 13
7 Steps to Homeownership - Step 4: Appraisal

step four - appraisal (1)

Caption:
An appraisal on your future home will ensure that you pay fair market value for the home, and will give an appropriate value based on the home's condition, location, and any other features the home may have. If the appraisal comes out lower than what you're buying it for, you may be able to re-negotiate with the sellers for a lower purchase price. For more tips and tricks on how to make the best out of your appraisal results, contact me today! 

Total Expert Tags: Education, First Time Home Buyer, Grow Time July 2024

Post Date: July 14
7 Steps to Homeownership - Step 5: Underwriting

step five - underwriting (1)

Caption:
After completing all the necessary steps for your future home, your loan will move to the underwriting stage. Here, underwriters will review your income documents (if applicable), employment history, credit score, down payment, and other required information. If they have any questions, they'll reach out for more details!

Total Expert Tags: Education, First Time Home Buyer, Grow Time July 2024

Post Date: July 15
Be a Dork Day

Caption:
Embrace your quirks and let your dork flag fly high today!

Total Expert Tags: Holiday, Just For Fun, Grow Time July 2024

Post Date: July 16
7 Steps to Homeownership - Step 6: Closing

step six - closing (1)

Caption:
Congratulations, you’re one step from the finish line! The last step before funding is to sign your closing documents with your chosen title company. Confirm payment details, mortgage rate & term, homeowners’ insurance, and property tax expenses. Have questions about what happens at the closing table? Give me a call!

Total Expert Tags: Education, First Time Home Buyer, Grow Time July 2024

Post Date: July 17
7 Steps to Homeownership - Step 7: Funding

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Caption:
The final step is funding! After you sign your closing documents, funding typically occurs the same day for purchases, and within 3-5 business days for refinances. This step allows you to get your keys to your home or cash/line of credit from your home equity (if applicable). Have questions? Reach out! I'll guide you through each step to ensure you're confident in your home financing journey. 

Total Expert Tags: Education, First Time Home Buyer, Grow Time July 2024

Post Date: July 18
U.S. Consumer Debt

Q4 consumer debt (1)

Caption:
That's right, $212 BILLION is the debt from U.S. consumers accrued in Q4 of 2023. If you are one of those consumers, there may be hope! By using your home's potential equity to consolidate credit card debt, you could save hundreds on your overall monthly payments. I would love to discuss the details with you, give me a call today!

Total Expert Tags: Home Equity, Debt Consolidation, Grow Time July 2024

Post Date: July 19
House Hacking: A Great Life Hack

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Caption:
Homeowners, unlock the power of “house hacking" to make your money work for you! Whether you choose to rent out some space in your home, or invest in a multi-unit property and rent out all the units except one; you could generate passive income to help pay off your mortgage faster and possibly build wealth for your future. Contact me today to learn more!

Total Expert Tags: Multi Unit, Wealth Management, Grow Time July 2024

Post Date: July 20
A HELOC Could Increase Your Investing Power!

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Caption:
Think about it, there's a reason why investors are taking full advantage of the current housing market. Competition is low & pricing is steady, making it easy to secure seller concessions and get a fair market value deal on their new home. By getting a Home Equity Line of Credit, you could potentially use those funds for a down payment on an investment property and have someone else help pay your mortgage! Contact me today to learn more about investing through real estate!

Total Expert Tags: HELOC/HELoan, Investor, Grow Time July 2024

Post Date: July 21
National Ice Cream Day

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Sundae fun day! Use today as an excuse to get yourself a delicious ice cream cone!

Total Expert Tags: Holiday, Just For Fun, Grow Time July 2024

Post Date: July 22
Reduce Your Initial Interest Rate

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Caption:
Many individuals don't know that they have some control over their interest rate! Whether you're purchasing a home or want to refinance your current home for a lower interest rate, you may be able to do that with discount points! This could allow you to save hundreds on your monthly mortgage payment, and even thousands over the life of the loan. Let's connect today to discuss the details.

Total Expert Tags: Education, Interest Rates, Grow Time July 2024

Post Date: July 23
Your Home Could Be The Ultimate Gold Mine

Gold mine (1)

Caption:
Do you know how much your home is worth? If you've owned your home for a while, chances are that it has a good amount of equity in it! This can be used to reduce credit card debt, pay for your kid's college tuition, or even have some extra money into savings. Whatever the case may be, I am here to help you reach your financial goals through home financing! Give me a call today for your FREE home equity report!

Total Expert Tags: Home Equity, Homebot, Grow Time July 2024

Post Date: July 24
Got An Upcoming Life Event? (HELOC)

got an upcoming life event_social

Caption:
Need cash out but don't want to sacrifice that sweet low interest rate you might have? Consider a HELOC (Home Equity Line Of Credit). This unique cash out option allows you to access some of your home's potential equity and spend it as you see fit. Ideal for life events or home improvements! Contact me today to learn more and to receive your free home equity report! #castlecookemortgage #heloc #cashout

Total Expert Tags: HELOC/HELoan, Home Equity, Grow Time July 2024

Post Date: July 24
Pioneer Day (For UT Loan Officer's Only)

Caption:
Today, we honor the trailblazers who paved the way to the Beehive State. Happy Pioneer Day, Utah!

Total Expert Tags: Holiday, Grow Time July 2024

Post Date: July 25
Divorce & Mortgages

Divorce Social - updated

Caption:
Divorce and mortgages rarely mix well. But if you're navigating a divorce and own a home with your ex-spouse, you do have options, which include keeping the home and splitting the equity, refinancing the home loan into your name, or selling the home and splitting the proceeds. Click here to learn more: https://www.castlecookemortgage.com/mortgage-options-following-divorce #castlecookemortgage #homeloan #mortgage #realestate #divorce #refinance #purchase #split

Total Expert Tags: Divorce, Education, Grow Time July 2024

Post Date: July 26
All or Nothing Day

Caption:
Today, we embrace bold decisions and fearless actions. It's All or Nothing Day— seize the moment! 

Total Expert Tags: Holiday, Just For Fun, Grow Time July 2024

Post Date: July 27
Make Your Credit Card Debt Disappear

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Caption:
Struggling to get out of credit card debt? If you're a homeowner, you could tap into your home equity to pay off high-interest debt. Consider a Home Equity Line of Credit (HELOC) to consolidate your payments into one easy-to-manage monthly payment under a lower interest rate compared to your credit card. However you'd like to proceed, I'm here to help!

Total Expert Tags: Debt Consolidation, Home Equity, Grow Time July 2024

Post Date: July 28
How You & Your Homebuyer Can Both Win

how you and homebuyer can win (3)

Caption:
It's possible for both you and your buyer to secure a great deal on your home sale! By offering to buy down their interest rate, you can potentially save them hundreds on their mortgage payments while achieving your desired sale price. Contact me today to explore your options!

Total Expert Tags: Seller Contributions, Interest Rates, Grow Time July 2024

Post Date: July 29
U.S. Consumer Spending

Q4 consumer spending (1)

Caption:
That's a whole lotta cash. And 100% of that spending was financed by credit cards; sinking U.S. consumers into a historic amount of debt. If you're a homeowner - you may have more options than you realize! By tapping into your home equity, you could potentially reduce or even pay off your high-interest debt by combining it into your monthly mortgage payment. Let's talk numbers, give me a call today for a free, no-obligation consultation! 

Total Expert Tags: Home Equity, Debt Consolidation, Grow Time July 2024

Post Date: July 30
International Day of Friendship

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Happy International Day of Friendship! Today, we celebrate the deep bonds of loved ones across the globe.

Total Expert Tags: Holiday, Just For Fun, Grow Time July 2024

Post Date: July 31
Home Equity - Hidden Savings Account

hidden savings account_updated-02

Caption:
Home prices are at record highs, and that means options for families who already own. To find out how much cash you could access by tapping your equity, give me a call!

Total Expert Tags: Home Equity, HELOC/HELoan, Grow Time July 2024

Post Date: August 1
Mountain Climbing Day

Caption:
Celebrate reaching new heights, one summit at a time. Happy Mountain Climbing Day!

Total Expert Tags: Holiday, Just For Fun, Grow Time July 2024

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Emails

Find Me on Facebook Email

find me on FB email gt

Total Expert Tags: Relationship Building, Grow Time July 2024

It's A Different Housing Market Compared to 2008

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Total Expert Tags: Education, Purchase, Grow Time July 2024

House Hacking: A Great Life Hack

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Total Expert Tags: Multi Unit, Wealth Management, Grow Time July 2024

How You & Your Homebuyer Can Both Win!

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Total Expert Tags: Seller Contributions, Interest Rate, Grow Time July 2024

Make Your Credit Card Debt Disappear With Your Home Equity

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Total Expert Tags: Home Equity, HELOC/HELoan, Grow Time July 2024

Reduce Your Initial Interest Rate With Discount Points

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Total Expert Tags: Buydown, Interest Rate, Grow Time July 2024

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 Flyers

Divorce and Mortgages

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Total Expert Tags: Divorce, Education, Grow Time July 2024

It's A Different Housing Market Compared to 2008

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Total Expert Tags: Education, Purchase, Grow Time July 2024

How You & Your Homebuyer Can Both Win! 

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Total Expert Tags: Seller Contributions, Interest Rate, Grow Time July 2024

Make Your Credit Card Debt Disappear With Your Home Equity

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Total Expert Tags: Home Equity, Debt Consolidation, Grow Time July 2024

Reduce Your Initial Interest Rate With Discount Points

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Total Expert Tags: Interest Rate, Mortgage, Grow Time July 2024

House Hacking: A Great Life Hack

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Total Expert Tags: Multi Unit, Duplex, Grow Time July 2024

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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

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Video Archive

You can download any of our videos from our new Vimeo Commercial Gallery: https://vimeo.com/showcase/10102542

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Grow Time Archive
June May April March February January
December November October September August July June May April March February January
December November October September August July June May April March February January
December November October September August July
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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!

Weekly Rate Update

Weekly rate update posts will appear here every Thursday morning...stay tuned!

Weekly Rate Update - 7.25.24

7.25.24 Weekly Rate - 0124CCMSOC029

Caption:
Mortgage rates essentially remained flat from last week but have decreased nearly half a percent from their peak earlier this year. Despite these lower rates, buyers continue to pause, as reflected in tumbling new and existing home sales data.

Total Expert Tags: Freddie Mac Weekly Rate Update, Grow Time July 2024

Weekly Rate Update - 7.25.24

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Total Expert Tags: Freddie Mac Weekly Rate Update, Grow Time July 2024

Weekly Rate Update - 7.18.24

7.18.24 Weekly Rate - 0124CCMSOC029

Caption:
The 30-year fixed-rate mortgage fell to its lowest level since mid-March, dropping 12 basis points from last week. Mortgage rates are headed in the right direction and the economy remains resilient, two positive incremental signs for the housing market. However, homebuyers have yet to respond to lower rates, as purchase application demand is still roughly 5 percent below Spring, when rates were approximately the same. This is not uncommon: sometimes as rates decline, demand weakens, and the apparent paradox is driven by buyers making sure rates don’t decline further before they decide to purchase.

Total Expert Tags: Freddie Mac Weekly Rate Update, Grow Time July 2024

Weekly Rate Update - 7.18.24

rate email 71824

Total Expert Tags: Freddie Mac Weekly Rate Update, Grow Time July 2024

Weekly Rate Update - 7.11.24

7.11.24 Weekly Rate - 0124CCMSOC029

Caption:
Following June’s jobs report, which showed a cooling labor market, the 10-year Treasury yield decreased this week and mortgage rates followed suit. There is also more inventory on the market, including a fair number of listings with price cuts, which is an encouraging sign for prospective buyers.

Total Expert Tags: Freddie Mac Weekly Rate Update, Grow Time July 2024

Weekly Rate Update - 7.11.24

rate update email 71124

Total Expert Tags: Freddie Mac Weekly Rate Update, Grow Time July 2024

Weekly Rate Update - 7.3.24

7.3.24 Weekly Rate - 0124CCMSOC029

Caption:
Mortgage rates increased this week, coming in just under seven percent. Both new home and pending home sales are down, causing active listings to rise. We are still expecting rates to moderately decrease in the second half of the year and given additional inventory, price growth should temper, boding well for interested homebuyers.

Total Expert Tags: Freddie Mac Weekly Rate Update, Grow Time July 2024

Weekly Rate Update - 7.3.24

rate update email 7324 gt

Total Expert Tags: Freddie Mac Weekly Rate Update, Grow Time July 2024

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