Grow Time
May 2023
Quick Links
The Armory | New Email Campaigns
New Cash Out Refi Collateral | New Change Wholesale Collateral
New Fannie Mae HomeReady Collateral | New Common Documents Collateral
New APR vs. Interest Rate Collateral | New Credit Score Collateral
New Relationship Building Collateral | New Debt Consolidation Collateral
New REMN HELOC Collateral | New Utah SB240 Collateral
SimpliFi Promotion | Featured Blog Posts | Holiday Social Posts
Marketing Mastermind Trainings | Homebot Trainings | Swell Trainings
Branding, Video, Homebot Video, & Instagram Instructions
Video Archive | Grow Time Archive | Watch This Space - Updated 5/11
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 our full catalog at http://armory.castlecookemortgage.com (cost center login) or http://armory.castlecookemortgage.com/corp (credit card payments)
Featured Items
Spiral Eco Notebook

$7.75/each
The eco-notebook with black spiral binding features a 13-pt. soft cover and 144 ivory-lined pages. The notebook pages and covers are colored with organic, soy-based inks and are made with 100% recycled materials.
8' to 6' Convertible Table Throw

$200/each
Convertible Table Throws are fully sublimated, creating a vibrant display that will stand out at your next event. This table throw converts from 8' to 6' giving you two throws for the price of one.
Hand Sanitizer Gel Pocket

$1.65/each
Hand sanitizer gel pocket bottle is the perfect combination of practicality and effectiveness. The 65% ethanol formula is blended with aloe vera to prevent bacterial development without drying out hands. This 1 oz bottle is convenient and perfect for programs, office use, and events.
6-Panel Twill Unstructured Cap

$11.10/each
This 100% cotton twill cap is a stylish, but casual option for representing CCM inside & outside the office! It comes in three colors - white, black, or dark grey.
New Email Campaigns
We are excited to release four new email campaigns in Total Expert!
- Equity Insights (click here for sample emails) - Activating on May 11th
- Listing Insights (click here for sample emails) - Activating on May 11th
- Post Closing Campaign (click here for sample emails) - Activating on May 11th
- Loan Application Abandoned Campaign (click here for sample emails) - Activating on May 11th
Please refer to the email you received on Tuesday, May 2nd for more information. If you DO NOT want a specific (or any) auto campaign turned on, you must opt out to the Marketing & Business Development Team no later than Wednesday, May 10th.
New Content
New Cash-Out Refi Collateral
Cash-Out Refi - Unexpected Expenses

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

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A lot of people wait to tap their home's equity in case of a financial emergency. But often times, by the time they need it, their financial woes could make it harder to qualify for a refi or HELOC. With credit card debt at record highs, many Americans owe more on their cards than they have in savings. Don't wait for an emergency to create an emergency fund. Contact me today to review your home's potential value and your options. #castlecookemortgage #homeloan #mortgage #refinance #heloc #debt #savings
Total Expert Tags: Cash Out Refi, Home Equity, Grow Time May 2023
Email: Refi - Pay Down Debt

Total Expert Tags: Cash Out Refi, Debt Consolidation, Grow Time May 2023
New Change Wholesale Collateral
Change Wholesale - Investor

Total Expert Tags: Change Wholesale, Investor, Grow Time May 2023
Change Wholesale - Community Loan

Total Expert Tags: Change Wholesale, Community Loan, Grow Time May 2023
Change Wholesale - Jumbo

Total Expert Tags: Change Wholesale, Jumbo, Grow Time May 2023
New Fannie Mae HomeReady Collateral
HomeReady Mortgage
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It’s true, you don’t need a 20% down payment to purchase a home! Qualifying low income borrowers can buy with as little as 3% down with the HomeReady Mortgage program. Contact me to see how this program could help you secure a home of your own!
Total Expert Tags: Fannie Mae, HomeReady, Down Payment Assistance, Grow Time May 2023
HomeReady Mortgage

Total Expert Tags: Fannie Mae, HomeReady, Low Down Payment, Grow Time May 2023
New Common Documents Collateral
Common Loan Documents

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Ready to take the first step towards homeownership? Make sure you have these common documents on hand for your mortgage transaction! Check out the link to learn more: https://www.castlecookemortgage.com/common-documents #castlecookemortgage #commondocs #homeloans
Total Expert Tags: Education, Loan Documents, Grow Time May 2023
Common Loan Documents

Total Expert Tags: Education, Loan Documents, Grow Time May 2023
Common Loan Documents - Client Email

Total Expert Tags: Education, Loan Documents, Grow Time May 2023
New APR vs. Interest Rate Collateral
New Credit Score Collateral
What Makes Up Your Credit Score?
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Did you know that your FICO® credit score is based off of five main factors? They consist of your:
· Payment History (35%)
· Amounts Owed (30%)
· Credit History (15%)
· New Accounts (10%)
· Credit Mix (10%)
Discover the details of each factor through our educational landing page: https://www.castlecookemortgage.com/credit-score
Total Expert Tags: Education, Credit Score, Grow Time May 2023
What Makes Up Your Credit Score?

Total Expert Tags: Education, Credit Score, Grow Time May 2023
New Relationship Building Collateral
Sending Business My Way Is the Ultimate Compliment
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Whether you give me a glowing Google review or recommend me to your friends & family, sending business my way is the ultimate compliment you could give me!
Total Expert Tags: Relationship Building, Grow Time May 2023
New Debt Consolidation Collateral
Cash Out - Pay Off Those Credit Cards
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Caption:
Are you feeling trapped by your credit card debt? You're not alone. According to the Federal Reserve, credit card debt is at an all-time high. But there's a solution! Consider a cash-out refinance to pay off those balances! https://www.castlecookemortgage.com/cash-out-refinance #CreditCardDebt #DebtFree #CashOutRefinance
Total Expert Tags: Cash Out Refi, Debt Consolidation, Grow Time April 2023
Cash Out - Becoming Free From Credit Card Debt Is Possible
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Do you feel like you’re drowning in credit card debt? We may have a solution - consider getting a cash-out refinance! A cash out-refinance may be able to help you pay off those high interest debts by consolidating them into one monthly mortgage payment. Contact me today to learn more about potentially becoming free from credit card debt! https://www.castlecookemortgage.com/cash-out-refinance
Total Expert Tags: Cash Out Refi, Debt Consolidation, Grow Time April 2023
Cash Out Refi - Financial Freedom

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

Total Expert Tags: Cash Out Refi, Debt Consolidation, Grow Time April 2023
Cash-Out Refi - Benefits - Client Email

Total Expert Tags: Cash Out Refi, Debt Consolidation, Grow Time April 2023
Cash-Out Refi Landing Page
https://www.castlecookemortgage.com/cash-out-refinance
Debt Consolidation - Credit Card Debt

Total Expert Tags: Debt Consolidation, Wealth Management, Grow Time February 2023
Cash Out - Wrap Up Multiple Bills Into One

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We get it, keeping track of multiple bills can be stressful. But Castle & Cooke Mortgage may have a solution for you! We could help you refinance your home to consolidate liabilities such as credit card debt, auto loans, & personal loans into one monthly payment. Not only will this make your life a little easier, but this could help you save money & increase your credit score at the same time. Contact me today for more details!
Total Expert Tags: Cash Out Refi, Debt Consolidation, Credit
New REMN HELOC Collateral
REMN HELOC Email

Total Expert Tags: HELOC/HELoan, REMN, Grow Time March 2023
REMN HELOC #1

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If you need to get cash out of your home fast, contact me today to learn about our newest HELOC product that can get you a fixed rate HELOC from start to finish in as little as five days! #castlecookemortgage #mortgage #homeloan #heloc #homeequity #realestate
Total Expert Tags: HELOC/HELoan, REMN, Grow Time March 2023
REMN HELOC #2

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If you need to get cash out of your home fast, contact me today to learn about our newest HELOC product that can get you a fixed rate HELOC from start to finish in as little as five days! #castlecookemortgage #mortgage #homeloan #heloc #homeequity #realestate
Total Expert Tags: HELOC/HELoan, REMN, Grow Time March 2023
REMN HELOC Flyer

Total Expert Tags: HELOC/HELoan, REMN, Grow Time March 2023
New Utah SB240 Collateral
Utah SB240 First-Time Homebuyer Assistance Program #1

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Are you a Utah First-Time Homebuyer? We’re thrilled to announce the SB240 Utah First-Time Homebuyer Assistance Program! This exclusive program will give qualifying individuals up to $20,000 to help with closing costs and/or their down payment. Check out the link to learn more: https://www.castlecookemortgage.com/faq-sb240
Total Expert Tags: Down Payment Assistance, First Time Home Buyer, Utah Content, Grow Time March 2023
Utah SB240 First-Time Homebuyer Assistance Program #2

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That’s right - $50 million in funds will be available for Utah First-Time Homebuyers! The new SB240 Utah First-Time Homebuyer Assistance Program is projected to give 2,500 qualifying Utah Residents up to $20,000 to help with their down payment and/or closing costs. Check out this FAQ page to learn more! https://www.castlecookemortgage.com/faq-sb240
Total Expert Tags: Down Payment Assistance, First Time Home Buyer, Utah Content, Grow Time March 2023
Utah SB240 First-Time Homebuyer Assistance Program #3

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Utahans – are you thinking about buying your first home? We’ve got great news! With the new SB240 Utah First-Time Homebuyer Assistance Program, you may be able to receive up to $20,000 to help with closing costs and/or a down payment. And not only that, but this program is also projected to help 2,500 Utahans statewide. https://www.castlecookemortgage.com/faq-sb240
Total Expert Tags: Down Payment Assistance, First Time Home Buyer, Utah Content, Grow Time March 2023
Utah SB240 First-Time Homebuyer Assistance Program

Total Expert Tags: Down Payment Assistance, First Time Home Buyer, Utah Content, Grow Time March 2023
SimpliFi Promotion
SimpliFi - No Deadline #1

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Some lenders have an expiration date. Ours has no end in sight! SimpliFi your mortgage and save on paying our lender fees when you refi later. Check out the link to learn more about our SimpliFi promotion today: https://www.castlecookemortgage.com/simplifi #castlecookemortgage #simplifi #refinance #purchase #homeloan #mortgage #realestate
Total Expert Tags: SimpliFi, Buy Now Refinance Later, Grow Time April 2023
Don't forget to edit the landing page within Total Expert before you post! Click here for instructions.
SimpliFi - No Deadline #2

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Louder for those in the back! Our SimpliFi promotion is still going strong! Buy a home you love through us and refinance later - without our lender fees, or an application deadline! SimpliFi your mortgage today! Click here to learn more: https://www.castlecookemortgage.com/simplifi #castlecookemortgage #simplifi #refinance #purchase #homeloan #mortgage #realestate
Total Expert Tags: SimpliFi, Buy Now Refinance Later, Grow Time April 2023
SimpliFi Program #1
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Are today's interest rates holding you back from buying a home of your own? We're thrilled to announce SimpliFi - a simpler way to refinance your new home without the lender & administration fees. This promotion is active for 36 months after you purchase your new home, giving you time & flexibility to refinance when it's right for you. Check out the link to learn more about SimpliFi! https://www.castlecookemortgage.com/simplifi #castlecookemortgage #simplifi #simplifiyourlife #homeloans #refinance
Total Expert Tags: SimpliFi, Buy Now Refinance Later, Grow Time February 2023
Don't forget to edit the landing page within Total Expert before you post! Click here for instructions.
SimpliFi Program #2
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Life can be complex, but your home financing doesn't have to be! Our brand-new SimpliFi promotion allows our borrowers to refinance their new home - without the lender or administrative fees! This is active for 36 months after your closing date, giving you time & flexibility to refinance when it's right for you. Now that's a simpler way to refi - it's Simplifi! Check out the link to learn more: https://www.castlecookemortgage.com/simplifi #castlecookemortgage #simplifi #simplifiyourlife #homeloans #refinance
Total Expert Tags: SimpliFi, Buy Now Refinance Later, Grow Time February 2023
Don't forget to edit the landing page within Total Expert before you post! Click here for instructions.
Flyer - SimpliFi

Total Expert Tags: SimpliFi, Buy Now Refinance Later, Grow Time February 2023
Flyer - SimpliFi - First Time Home Buyer

Total Expert Tags: SimpliFi, Buy Now Refinance Later, Grow Time February 2023
SimpliFi - Agents Email

Total Expert Tags: SimpliFi, Buy Now Refinance Later, Grow Time February 2023
SimpliFi - Clients Email

Total Expert Tags: SimpliFi, Buy Now Refinance Later, Grow Time February 2023
Video - SimpliFi
Caption:
Don't let today's interest rates hold you back! Introducing SimpliFi - a simpler way to purchase a new home or refi yours today, and then if you refinance within the next three years, you won't pay any lender or administration fees. Check out the link to learn more about SimpliFi! https://www.castlecookemortgage.com/simplifi#Firstname_Lastname #castlecookemortgage #simplifi #simplifiyourlife #homeloans #refinance
Download the video here to post on social media: https://vimeo.com/800932045
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
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 - Springtime Organization Checklist

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The birds are chirping, the flowers are blooming, and the sun is shining, which means it's the perfect time to spring clean! Check out our Springtime Organization blog to get some useful tips & tricks on how to unclutter & deep clean your home: https://www.castlecookemortgage.com/blog/springtime-organization-checklist
#castlecookemortgage #homeloans #springtime #springcleaning
Total Expert Tags: Blog Content, Just For Fun, Grow Time May 2023
Blog Post - 5 Tips For Buying Your First Home Together

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Home is where the heart is, but it's even better when you have someone to share it with. Buying a home together for the first time can be an adventure; and a great one! Let these tips help you and your significant other navigate the path of homeownership: https://www.castlecookemortgage.com/blog/five-tips-for-buying-your-first-home-together
Total Expert Tags: Blog Content, Just For Fun, Grow Time May 2023
Blog Post - Home Renovation Pros and Cons
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Transform your dream home into a reality with a home renovation loan! From kitchen upgrades to bathroom makeovers, learn about the pros and cons of renovation loans in this informative blog post: https://www.castlecookemortgage.com/blog/home-renovation-loans-pros-cons
#castlecookemortgage #homerenoloans #prosandcons
Total Expert Tags: Blog Content, Just For Fun, Grow Time May 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.
May 9: National Foodies Day

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Today we celebrate National Foodies Day, a time to indulge in our love for all things delicious! Let's savor the flavors, share our favorite dishes, and appreciate the diverse culinary cultures that make our world a more flavorful place. Bon appétit!
Total Expert Tags: Holiday, Just For Fun, Grow Time May 2023
If posting to Instagram, download this image here.
May 14: Mother's Day

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Happy Mother's Day to all the amazing moms out there! Thank you for your unwavering love, guidance, and support. Today, we celebrate YOU and all that you do. Here's to a day filled with hugs, laughter, and cherished memories. ❤️
Total Expert Tags: Holiday, Just For Fun, Grow Time May 2023
If posting to Instagram, download this image here.
May 21: World Meditation Day
May 29: Memorial Day

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Today, on World Meditation Day, let's take a moment to find stillness and peace within ourselves. Let's embrace the present moment, quiet our minds, and connect with our inner selves.
Total Expert Tags: Holiday, Just For Fun, Grow Time May 2023
If posting to Instagram, download this image here.
Caption:
On this Memorial Day, we honor the brave men and women who made the ultimate sacrifice in service to our country. Their courage and selflessness will never be forgotten. Let us take a moment to reflect on their sacrifice and the freedoms they fought to protect. We are forever grateful for their service. 🇺🇸 #MemorialDay #NeverForget #GratefulNation
Total Expert Tags: Holiday, Just For Fun, Grow Time May 2023
If posting to Instagram, download this image here.
June 4: National Cheese Day

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Happy National Cheese Day! Today, we celebrate one of the most beloved and versatile foods in the world. From creamy brie to tangy cheddar, there's a cheese for everyone! Whether you're a cheese connoisseur or just a casual fan, today is the day to say 'cheese' and enjoy!
Total Expert Tags: Holiday, Just For Fun, Grow Time May 2023
If posting to Instagram, download this image here.
June 8: National Best Friends Day

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Happy National Best Friends Day! Today, we celebrate the special bond between friends that brings so much joy and support to our lives. Whether near or far, our best friends are always there to lift us up, make us laugh, and share in life's adventures. Let's take a moment to appreciate our friendships and the love they bring.
Total Expert Tags: Holiday, Just For Fun, Grow Time May 2023
If posting to Instagram, download this image here.
Marketing Mastermind and Homebot Trainings
Systems Training:
- Keys To Success - View training content for Total Expert, Homebot, CCM Mobile, and more!
Marketing Mastermind Trainings
Homebot Trainings
- Homebot Back to Basics Training
- Homebot's Agent Co-Sponsorship Training
- Joe Massey's Homebot Book of Secrets
- Homebot's Buyer Module Training
- Download materials to pitch Homebot to real estate agents
Swell Trainings
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
Total Expert does not support video content, but we have created a brand new video gallery in Vimeo for you to search through and find ones to post. Click here to access the Castle Commercials Showcase.
- Download the video to your computer (or smart phone) - DO NOT just paste the Vimeo link in Facebook!
- 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!
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!
- Market Correction: https://youtu.be/rZoyRGoV0e4
- Let Your Dog Go In His Own Yard: https://youtu.be/Wc0nTM6zclw
- 20% Down Myth: https://youtube.com/shorts/1rYnfoljeG0?feature=share
- CCM:Mobile (Shop and apply from anywhere): https://youtu.be/uScOHqF36c8
- Humble Your Home Loan: https://youtu.be/3sxCjYiryAQ
- You Can't Say That: https://youtu.be/CyseP6ati2g
- Mighty Mike: https://youtu.be/M_WbDgMh1h8
- Pro's and Cons: https://youtu.be/OdPgGQLtFd4
- Market Headlines: https://youtu.be/nGJIt_ZLl3U
- Less Competition: https://youtube.com/shorts/ml5ii8lKecw
- 100% Interest: https://youtube.com/shorts/uHMCAwywADI
- Scary Rates: https://youtu.be/ZKUCbzTWIaw
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
While Total Expert does not have an integration with Instagram, you still can get the images you need from there
- Log into Total Expert at http://expert.castlecooke.mortgage
- Navigate to Web Marketing > Social Media > Create New
- Find the image you wish to post to Instagram
- Click ACTIONS > Download PNG
- A new window will open up. Right click and select Save Image As and save to your computer
- 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 Total Expert (or next to each post above), or can write your own.
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!
Video Archive
You can download any of our videos from our new Vimeo Showcase: https://vimeo.com/showcase/10102542
Grow Time Archive
Watch this space
Your Marketing team is hard at work creating new videos, flyers, social posts, email campaigns, and more. When we have something new for the field, we'll update this section. Check back often!
New Change Wholesale Social Posts
Change Wholesale - Community Loan

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Ready to secure a home of your own? You may be able to qualify for a Change Wholesale loan with three easy steps:
1) Confirm LTV
2) Confirm FICO
3) Verify Reserves
Income documentation is not required and debt-to-income is not calculated. Buying a home can be possible; contact me for more details!
Total Expert Tags: Change Wholesale, Community Loan, Grow Time May 2023
Change Wholesale - Investor

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Don't let traditional debt-to-income (DTI) requirements hold you back from becoming a landlord! Change Wholesale enables investors to skip the DTI requirements and qualify based on the property's rental income cash flow.
Income documentation is not required and debt-to-income is not calculated. The potential to have that second stream of income is possible; contact me for more details!
Total Expert Tags: Change Wholesale, Investor, Grow Time May 2023
Change Wholesale - Jumbo

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Imagine yourself finally able to purchase your dream home.... with a simplified loan process. Sound too good to be true? It's very true - with a Change Wholesale loan, borrowers can now take these three easy steps to potentially qualify for jumbo loans up to $3 million:
1) Confirm LTV
2) Confirm FICO
3) Verify Reserves
Income documentation is not required and debt-to-income is not calculated. Empower yourself with the borrowing power you deserve; contact me for more details!
Total Expert Tags: Change Wholesale, Jumbo, Grow Time May 2023


