Grow Time
November 2023
Quick Links
And now for something completely different
We're trying something new for this month. We decided that everything around November Grow Time will rally around a central theme: it's not a bad time to buy real estate. Put your pessimism aside (that was directed to you, not the consumers - but you'll get to convey the same message through your strategic marketing).
Here is your 5-step marketing plan for November.
1) Pre-schedule all your posts NOW. Click here to jump down to our social calendar. Don't worry, there will be a link down there to come back to this section. I'll wait.
2) Send the Existing Homeowners: Buying Real Estate Can Still Be Worth It! email to everyone in your Total Expert who funded a loan with you in 2020, 2021, and through March 31, 2022. Filter your contact lists using the Loan Funded Date filter. If you need help with this, contact the Marketing Team
If you are a newbie without any fundings during this time period, don't worry! Proceed to the next step.
3) If you have a database of First Time Homebuyers who are in Total Expert, send the First Time Homebuyers: Don't Give Up On Homeownership! email to them.
If you don't, reach out to one (or several) of your agent partners and ask if they have any. Tell them you'll co-brand the email with them. Reach out to the Marketing Team for instructions on how to do this (as well as to upload any lists your agents give you).
If you are a newbie without any leads, talk to your branch manager and ask for some. Contact agents together!
4) Pick and choose at least two flyers to download and print from Total Expert. All branch managers should have an account with Office Depot/Office Max for printing. Or you can email the Marketing Team for our wholesale printing options. Print 100 copies of each flyer.
Divide these up into groups of 25 of each flyer. You can choose from one of the two options: Visit four real estate offices and deliver 25 copies of each flyer (50 total). Or visit two real estate offices and leave 50 copies of each flyer (100 total). Don't forget to leave some business cards (contact us if you ran out). Grab some of your kid's candy haul from Halloween or buy candy on clearance and leave some treats too.
Click here to jump down to our list of flyers. Again, there will be a link down there to return to this section.
5) Pick at least one postcard for an EDDM (Every Door Direct Mailing). If you are in a branch with multiple LOs, coordinate together so we don't send the same card to the same routes. Schedule a call with the Marketing Team so we can help you with route selection, and organize everything on your behalf.
Bonus Step: Be sure to opt-into the November LTV Email Campaign. More information to come. Stay tuned, we'll email you when it's time.
You may have noticed this month's Grow Time has been streamlined. We have revamped the Keys to Success page with a ton of training articles and videos to aid you, and overall cleaned up this page.
There are a lot of call to actions this month. Start TODAY to hit the ground running. Branch Managers should expect a check in mid-month from Scott or Kaylee asking for progress on flyer deliveries, and EDDMs.
Marketing will audit every LO's Total Expert account on November 30th to see if the recommended emails have been sent. If they haven't, expect us to ask why.
This format of Grow Time is an experiment. We are already working on something bigger for December. Don't let the holidays stop you from aggressive outreach and marketing. YOU CAN DO THIS.
Suggested Social Calendar
Social Posts
All posts (except videos) are available in Total Expert. Contact Marketing if you need help integrating your Facebook, Instagram, and LinkedIn channels.
Post Date: Nov. 2
Cash Purchase Program - Compete Against All-Cash Buyers

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Are you tired of getting beaten by all-cash offers? I have a way to help you compete in the big leagues. Ask me how. #castlecookemortgage #cashbuyers #allcash #homebuying #firsttimehomebuyer
Total Expert Tags: Cash Out Purchase, Cash Offers, Grow Time November 2023
Post Date: Nov. 3
Friday Fun Facts: What is TRID?

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TRID is a law that requires lenders to disclose certain types of information to borrowers. A good example would be a Loan Estimate - this tells the borrower the estimation of their mortgage payment and everything included within it. The more you know! #castlecookemortgage #trid #mortgage
Total Expert Tags: Friday Fun Facts, TRID, Grow Time November 2023
Post Date: Nov. 4
Is It a Good Time to Buy Real Estate?
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My answer? YES! It's still a great time to buy, regardless if you're a first-time homebuyer or a seasoned homeowner. We've answered some common concerns individuals have when purchasing a home in this current market: https://www.castlecookemortgage.com/is-it-a-good-time-to-buy-real-estate Contact me to learn more today!
Total Expert Tags: Market Conditions, Education, Grow Time November 2023
Post Date: Nov. 5
Daylight Savings

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Don’t forget to turn back the clock an hour - brighter mornings and longer nights are ahead!
Total Expert Tags: Holiday, Just For Fun, Grow Time November 2023
Post Date: Nov. 6
National Nachos Day

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Cheese is the glue that holds us all together; so celebrate today with your favorite nachos. Happy Nacho Day!
Total Expert Tags: Holiday, Just For Fun, Grow Time November 2023
Post Date: Nov. 7
Home Equity Could Take You Places

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Many people don't know the power of home equity - it could help you pay down high-interest debts, start an emergency fund, or even launch a new business venture! Interested in learning more? Contact me today!
Total Expert Tags: Home Equity, Debt Consolidation, Grow Time November 2023
Post Date: Nov. 8
Video: Market Correction
Caption:
In 2020 & 2021, homes were flying off the shelf due to high demand and low interest rates. The housing market is finally correcting itself, resulting in higher rates. But don't let this stop you from owning a home of your own! Purchasing a home now rather than later could help you pay fair market price & jumpstart your home's potential equity. Contact me today!
This video must be posted manually.
Download the video here to post on social media.
Instructions on how to post a video and brand the landing page with your information (if applicable) can be found on our Keys To Success page under the Social Media menu option. Do NOT forget to change the landing page URL!
Post Date: Nov. 9
Blog Post - Winter Homeowner Emergencies

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Winter is coming, so don't let winter homeowner emergencies catch you off guard! Check out these essential tips to keep your home cozy and crisis-free this season: https://www.castlecookemortgage.com/blog/winter-homeowner-emergencies
Total Expert Tags: Blog Content, Homeowner Tips, Grow Time November 2023
Post Date: Nov. 10
Housing Inventory is on the Rise

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The overall housing supply rose 4% during July. Properties are sitting on the market longer, which means more options and less competition for buyers! Contact me today to explore why now could still be a great time to buy. #castlecookemortgage #homeloans #mortgage #realestate #buyersmarket #housingcorrection
Total Expert Tags: Market Conditions, Education, Grow Time November 2023
Post Date: Nov. 11
Veteran's Day
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Honoring the brave, remembering the sacrifices. Thank you to all the veterans who have served and protected our freedom. Happy Veterans Day!
Total Expert Tags: Holiday, Veterans, Grow Time November 2023
Post Date: Nov. 12
Is Your Ultra-Low Interest Rate Making You Feel Trapped?

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You're not alone. According to a fairly recent Realtor.com survey, 82% of homeowners feel trapped in their home due to their low-interest rate. But don't let your interest rate stop you from upgrading your home! We offer many different down payment assistance programs, including our SimpliFi program; where you can buy a home and refinance later, without our lender or administrative fees. Want to learn how to get out of your starter home & into your dream home? Contact me today!
Total Expert Tags: Buy Now Refinance Later, SimpliFi, Grow Time November 2023
Post Date: Nov. 13
Rate Buydown - Don't Let Rates Hold You Back

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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 #castlecookemortgage #thecastleiscalling #homeloans #mortgage #buydowns #heretohelp #yourlenderforlife
Total Expert Tags: Buydown, Seller Concessions, Grow Time November 2023
Post Date: Nov. 14
Waiting For the Housing Bubble to Pop?
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Don't hold your breath - because this is very unlikely for the foreseeable future. This is due to near-historic low delinquency rates on mortgage payments and steady increases in home value. Buy a home you love now before it's too late; contact me today to get started!
Total Expert Tags: Education, Market Conditions, Grow Time November 2023
Post Date: Nov. 15
Blog Post - Energy Efficiency Checklist

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Transform your home into an energy-efficient oasis! From smart lighting to insulation hacks, these tips are a game-changer! Check out this blog for all the eco-friendly inspiration: https://www.castlecookemortgage.com/blog/energy-efficiency-checklist-for-homeowners
Total Expert Tags: Blog Content, Homeowner Tips, Grow Time November 2023
Post Date: Nov. 16
Got the Homeowner Scaries?
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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: Market Conditions, Buy Now Refinance Later, Grow Time November 2023
Post Date: Nov. 17
National Take a Hike Day

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Did you know that Hiking boosts your mood and fitness and can burn between 400-700 calories per hour?! Celebrate National "Take A Hike Day" by, well... taking a hike!
Total Expert Tags: Holiday, Just For Fun, Grow Time November 2023
Post Date: Nov. 18
Video: You Don't Need 20% Down
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We've said it before, and we'll say it again: You DON'T need 20% down to buy a home. In fact, we have access to many programs where you can put as little as zero percent down! Reach out to me today to discover your options. https://www.castlecookemortgage.com/stop-renting
This video must be posted manually.
Download the video here to post on social media.
Instructions on how to post a video and brand the landing page with your information can be found on our Keys To Success page under the Social Media menu option. Do NOT forget to change the landing page URL!
Post Date: Nov. 19
Cash Purchase Program - Compete Against All-Cash Buyers

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Did you get beat out by yet another all cash offer? While my legal department tells me I can't legally say you'll never have to worry about this again, I CAN tell you that Castle & Cooke Mortgage has a program that will give you a pretty awesome competitive edge in the ever growing all cash bidding wars. #castlecookemortgage #cashbuyers #allcash #homebuying #firsttimehomebuyer
Total Expert Tags: Cash Out Purchase, Cash Offers, Grow Time November 2023
Post Date: Nov. 20
Date the Rate, Marry the House

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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 November 2023
Post Date: Nov. 21
Blog Post - How to Hang Holiday Lights Safely

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Illuminate your holidays safely! Check out our latest blog for expert tips on hanging holiday lights without a hitch: https://www.castlecookemortgage.com/blog/how-to-hang-holiday-lights-safely
Total Expert Tags: Blog Content, Homeowner Tips, Grow Time November 2023
Post Date: Nov. 22
Rate Buydown - Buydown Your Rate

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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 #castlecookemortgage #thecastleiscalling #homeloans #mortgage #buydowns
Total Expert Tags: Buydown, Buy Now Refinance Later, Grow Time November 2023
Post Date: Nov. 23
Thanksgiving

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Happy Thanksgiving! I am so thankful for my clients & partners for making my business possible. Gobble 'til you wobble today!
Total Expert Tags: Holiday, Thanksgiving, Grow Time November 2023
Post Date: Nov. 24
Buy vs Rent - Stop Renting

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If you're renting, there's a pretty good chance that you're paying your landlord's mortgage. Rates are still near record lows, and it's a great time to explore options for getting a home of your own. Get in touch today to start exploring options! https://www.castlecookemortgage.com/stop-renting #castlecookemortgage #homeloans #stoprenting
Total Expert Tags: Buy vs Rent, Education, Grow Time November 2023
Post Date: Nov. 25
Small Business Saturday

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Shop small, dream big! Celebrate the heartbeat of our community on Small Business Saturday.
Total Expert Tags: Holiday, Just For Fun, Grow Time November 2023
Post Date: Nov. 26
Bond Program Lender Credit - We're Committed to Affordable Housing

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We're doubling down making sure everyone has a fair opportunity to secure the home of their dreams at an affordable price. Borrowers who utilize assistance programs from their state's housing authorities can now combine those benefits with a sweet $100 lender credit from Castle & Cooke Mortgage! Contact me today to get started.
Total Expert Tags: Lender Credit, Down Payment Assistance, Grow Time November 2023
Post Date: Nov. 27
Video: !00% Interest
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You are technically paying "100% interest" when you're paying your rent. Don't let today's interest rates scare you off from investing in your future, and missing out on a home that you love! Check this website out to learn more: https://www.castlecookemortgage.com/is-it-a-good-time-to-buy-real-estate
This video must be posted manually.
Download the video here to post on social media.
Instructions on how to post a video and brand the landing page with your information can be found on our Keys To Success page under the Social Media menu option. Do NOT forget to change the landing page URL!
Post Date: Nov. 28
Stretch Your Dollar Further With Homeownership
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Ditch the landlord and say hello to homeownership! By purchasing a home, you are avoiding rent hikes, building potential equity, and could refinance down the road to pay down high-interest debt & other liabilities. Stretch your dollar further, learn more about the benefits of buying a home now here: https://www.castlecookemortgage.com/is-it-a-good-time-to-buy-real-estate
Total Expert Tags: First Time Home Buyer, Education, Grow Time November 2023
Post Date: Nov. 29
Take Advantage of the Slow Market Now!

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Remember the bidding wars over a home back in 2020? Thankfully, they are over...for now! Because of current interest rates, there’s a lot less competition, home prices are leveling out, and sellers are starting to offer concessions again. NOW is the time to find that perfect home before the housing market picks back up again. Contact me today to get started!
Total Expert Tags: First Time Home Buyer, Seller Concessions, Grow Time November 2023
Post Date: Nov. 30
Blog Post - The Benefits of Homeownership

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Owning a home may be one of the best investments you could make, and here's why! https://www.castlecookemortgage.com/blog/the-benefits-of-home-ownership
Total Expert Tags: Blog Content, Education, Grow Time November 2023
Post Date: Dec. 1
Multiplex 5% Down Payment

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Here's some cool news: Fannie Mae announced they will be cutting the down payment criteria for owner-occupied 2-4 Unit properties from 15% to 5%! This presents an excellent chance for first-time homebuyers seeking more affordable homeownership options who also aspire to enter the real estate investment market! Contact me today to learn more and get pre-qualified. #castlecookemortgage #realestate #mortgage #homeloan #investment #househacking
Total Expert Tags: Investor, Multi Unit, Grow Time November 2023
Post Date: Dec. 2
Bond Program Lender Credit - Get a $100 Lender Credit

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We take housing affordability seriously. That's why we're offering a $100 lender credit to borrowers who utilize their state's housing authorities assistance programs. That means you can combine those down payment/closing cost assistance benefits and add on a $100 lender credit too! Contact me today to get started.
Total Expert Tags: Lender Credit, Bond Program, Grow Time November 2023
Post Date: Dec. 3
Buy Vs Rent - Qualify Using Your Rent Payments

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If you're a first time homebuyer who's been renting for over a year, never missed a payment, and have a credit score of 620 or better, your rent payments can help you qualify for a home loan! Click the link to learn more #castlecookemortgage #rent #firsttimehomebuyer #mortgage #stoprenting
Total Expert Tags: Buy vs Rent, Fannie Mae, Grow Time November 2023
Post Date: Dec. 4
Advantages of Homeownership - Tax Benefits

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How does paying less in taxes sound? It’s a no brainer! By deducting homeowner expenses such as mortgage interest and property taxes, you could potentially save on your taxes! We highly recommend talking to your CPA to discover what other homeowner expenses you could potentially deduct as well. #castlecookemortgage #homeloans #mortgages #homeownership #taxes
Total Expert Tags: Advantages of Homeownership, Taxes, Grow Time November 2023
Emails
First Time Homebuyers: Don't Give Up On Homeownership! - Client Email

Total Expert Tags: First Time Home Buyer, Buy vs Rent, Grow Time November 2023
Existing Homeowners: Buying Real Estate Can Still Be Worth It! - Client Email

Total Expert Tags: Home Equity, Debt Consolidation, Grow Time November 2023
Bond Program Lender Credit - Client Email

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

Total Expert Tags: Bond Program, Lender Credit, Grow Time November 2023
Multiplex 5% Down Payment - Clients

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

Total Expert Tags: Fannie Mae, Multi Unit, Grow Time November 2023
Flyers
Stretch Your Dollar Further With Homeownership

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

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

Total Expert Tags: Market Conditions, Purchase, Grow Time November 2023
Home Equity Could Take You Places

Total Expert Tags: Home Equity, Debt Consolidation, Grow Time November 2023
National Homebuyers Fund (NHF) Down Payment Assistance Program

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

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

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

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

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

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

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

Total Expert Tags: Cash Offers, Cash Out Purchase, Grow Time November 2023
Postcards
We're excited to release postcards as our newest marketing offering in Total Expert. These cards are sized to 6.25x11 so they can be used either as EDDMs or sent via first class mail. Contact marketing@castlecookemortgage.com for printing and mailing assistance.
(Please note, at this time, we are only offering postcards sized 6.25x11. Please refrain from requesting different sizes).
Take Advantage of the Slow Market NOW Postcard

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

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

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

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

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

Total Expert Tags: SimpliFi, Postcards, Grow Time October 2023
Closed End Second - High Interest Debt Postcard

Total Expert Tags: Cash Out Refi, Closed End Second Refi, Postcards, Grow Time November 2023
Closed End Second - Ways to Use Equity Postcard

Total Expert Tags: Cash Out Refi, Closed End Second Refi, Postcards, Grow Time November 2023
Closed End Second - Market Analysis Postcard

Total Expert Tags: Cash Out Refi, Closed End Second Refi, Postcards, Grow Time November 2023
Keys To Success
We have streamlined and updated our Keys to Success Training Page. From here on, we will always link to this page in this section. We'll post occasional updates here if anything new has been added each month
Video Archive
You can download any of our videos from our new Vimeo Commercial Gallery: https://vimeo.com/showcase/10102542
Grow Time Archive
Watch this space
Your Marketing team is hard at work creating new videos, flyers, social posts, email campaigns, and more. When we have something new for the field, we'll update this section. Check back often!
New FHA Loan Limits Collateral
FHA - 2024 Loan Limit Update - Option 1
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Exciting news! Beginning January 1, 2024, FHA Loan Limits are going up by over 5%! Find out more here: https://www.castlecookemortgage.com/fha-loan-limit-update or contact me to learn more about loan limits in your area #castlecookemortgage #fha #loanlimits #mortgage #realestate #homeloan
Total Expert Tags: Loan Limits, FHA, Grow Time November 2023
FHA - 2024 Loan Limit Update - Option 2
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Exciting news! Beginning January 1, 2024, FHA Loan Limits are going up! Find out more here: https://www.castlecookemortgage.com/fha-loan-limit-update or contact me to learn more about loan limits in your area #castlecookemortgage #fha #loanlimits #mortgage #realestate #homeloan
Total Expert Tags: Loan Limits, FHA, Grow Time November 2023
FHA - 2024 Loan Limit Update - High Cost Areas
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Great news! If you live in a high cost area, beginning January 1, 2024, FHA Loan Limits are increasing up to over $1.1 million! Contact me to learn more about loan limits in your area #castlecookemortgage #fha #loanlimits #mortgage #realestate #homeloan
Total Expert Tags: Loan Limits, FHA, Grow Time November 2023
FHA Loan Limit Increase 2024

Total Expert Tags: Loan Limits, FHA, Grow Time November 2023
2024 FHA Loan Limits

Total Expert Tags: Loan Limits, FHA, Grow Time November 2023
New Conforming Loan Limits Collateral
Conforming Loan Limits Increased to $766,550

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Great news! Conforming Loan Limits have increased to $766,550, with some high-cost areas seeing an increase to over $1,149,825! Find out more at https://www.castlecookemortgage.com/new-conforming-loan-limits or contact me for more information. #castlecookemortgage #homeloan #mortgage #realestate #loanlimits
Total Expert Tags: Loan Limits, Conforming Loans, Grow Time November 2023
Conforming Loan Limits Increased to $1,149,825 - High Cost Areas

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Living in a high cost area? Great news! Conforming loan limits have increased to over $1,149,825 in some areas! Find out what these increases could mean for you! https://www.castlecookemortgage.com/new-conforming-loan-limits #castlecookemortgage #homeloan #mortgage #realestate #loanlimits
Total Expert Tags: Loan Limits, Conforming Loans, Grow Time November 2023
2024 Conforming Loan Limit Increase

Total Expert Tags: Loan Limits, Conforming Loans, Grow Time November 2023
2024 Conforming Loan Limits

Total Expert Tags: Loan Limits, Conforming Loans, Grow Time November 2023
New Buydown Collateral
Buydown - Generic

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Feeling nervous about interest rates? Did you know a buydown can reduce your mortgage payment temporarily and give you time and accumulate to save up for future mortage payments? Castle & Cooke Mortgage has four buydown programs, each allow buyers to lock in a reduce interest rate for at least one year (and in some cases, up to three!) Contact me today to take advantage of the changing market!
Total Expert Tags: First Time Home Buyer, Buydown, Grow Time November 2023
Buydown - 3/2/1

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

Total Expert Tags: First Time Home Buyer, Buydown, Grow Time November 2023
Buydown - Generic Flyer

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

Total Expert Tags: First Time Home Buyer, Buydown, Grow Time November 2023
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