Grow Time
November 2025
November Automations
Throughout 2025, Marketing will be emailing agents and clients on your behalf each month. Be sure you read and review this section to see what emails will be going out and for important deadlines to opt-out.
Note: This list does not include transactional automations such as Loan Milestone Updates, Post Closing, Customer Intelligence, etc. For a full list of Marketing Automations, click here.
- VA Interest Rate Reduction Refinance Loans (VA IRRRL): This email will be sent to all of your clients in Total Expert who currently have a VA loan with an interest rate of 6.25% or higher and funded more than 7 months ago. Click here for a sample.
- Send Date: Thursday, November 12
- Opt-Out By: Monday, November 10
- Help More Veterans Become Homeowners: This email will be sent to all of your agents in Total Expert. Click here for a sample.
- Send Date: Tuesday, November 12
- Opt-Out By: Monday, November 10
Engage SMS is Here!
Total Expert's Engage SMS is LIVE and ready for you to text your clients via Total Expert on the web, or by downloading the Total Expert app!
Total Expert & Homebot Growth Strategies
In May we introduced a really cool email you can send to folks in either your Rate Alert or Rate Improvements contact tabs to help them see the potential benefits of refinancing and see estimated savings.
The Rate Improvement Refi Estimate email is just that, an estimate based on current rates from Optimal Blue's Mortgage Market Indicies.
Rate Improvement Refinance Estimate
Total Expert Tags: Interest Rate, Grow Time May 2025
In June, we announced a brand new feature in Total Expert! You will now be able to generate a rate quote within Total Expert via your Optimal Blue integration!
Unlike the email to your left, this is not based on estimated rates, but pulls directly from your pricing engine.
From there, you will be able to send this quote via a dynamic email in Total Expert.
Purchase Rate Quote
Total Expert Tags: Interest Rate, Grow Time June 2025
Have you taken a look at your CONTACTS screen in Total Expert lately? We've assembled a number of tabs related to Customer Intelligence as part of our "Data Analytics Era."
- High Equity Clients ⏫ - This tab shows you funded clients who have 25% or less LTV in their home.
- Mid Equity Clients 🔼 - This tab shows you funded clients who have 26%-70% LTV in their home. Both equity tabs exclude any fundings in the last 7 months to avoid EPO.
- People Shopping Me 😠 - This tab contains anyone who has a current Credit Inquiry Alert detected by Customer Intelligence. This alert only stays on the contact's record for only 7 days, so you will see clients come in and out of this list as the alert expires.
- Rate Alert! 🚨 - This tab will show you active Rate Drop Alerts for funded clients with a current interest rate that at least 0.5% higher than the current day's rate in Optimal Blue's Mortgage Market Indices. This alert also only lasts for 7 days which is why we created the additional tab below. This alert excludes HELOCs, fundings in the last 6 months, and any second or additional liens to avoid flagging DPA program second mortgages.
- Rate Improvements ⬇️ - This tab collects your entire database of funded loans under the same parameters above regardless of an active rate alert.
- Credit Improvements ⬆️ - This is our newest tab for our newest alert for clients who have been denied (or withdrew their application), or leads you manually added to the Credit Monitoring Group and they achieved a 580 FICO score. This alert only lasts for 7 days.
Major news! The Homebot Partner Network has launched and now we are able to include buyer agent information for all of your clients, regardless if the agent has Homebot or not. This is a big game-changer that will help keep agents and clients connected within Homebot unlike ever before.
Click here to view a recording from our Marketing Mastermind - Homebot Network Review meeting
Monday's are where you should plan to time block two hours to call approximately 40 agents. Whether it's your best referral partners, or someone you're trying to develop a relationship with, these calls will help you grow your business.
These strategies are proven and everyone has the time and capacity to follow this path! You can do this! Stick to it!
Sample Script:
Hey [Agent], it's [Your Name] from Castle & Cooke Mortgage. How was your weekend? Did you host any open houses?
I'm just calling to check in and see how everything is going with your buyers. Have they all been pre-qualified and set with their home loans? Do you have anybody you'd like me to chat with to help them get started? Are there any challenging buyers who are having trouble getting pre-qualified? Any buyers having trouble getting under contract?
Last questions - What can I do this week to help make your life a little easier? Do you have any open houses this weekend you need help with? Let me know if you need any flyers, websites, or loan scenarios. Or if you need help setting up, I'm happy to come early and put out signs, bring some water and snacks.
If there's anything else I can do, call me any time. I'll check back in with you next week.
Start setting up your calendars in Outlook to time-block two hours on Mondays for these calls starting next week!
Instructions for listing content
(Note: Agents MUST be set up in Total Expert first as a Co-Marketing Partner before you can co-brand any flyers or websites!
Step 1 - Create a Single Property Website
Instructions
- Go to WEB MARKETING > SINGLE PROPERTY SITES
- Click CREATE
- Enter the MLS in the SEARCH BY MLS field and click the magnifying glass
- Click on the home that pops up and wait for the page to refresh
- DON'T FORGET!!!! Click ADD next to your name under Lender Partners, and select your agent's name under Agent Partners.
- You can either leave the page as is and click ACTIONS>SAVE or click NEXT and play with the site layout, etc.
- Click ACTIONS>VISIT SITE to see the site live and to copy the URL
Step 2 - Create a Listing Flyer (or Open House flyer)
- Go to PRINT MARKETING>CREATE NEW
- Under the FOLDERS drop down select LISTING FLYERS
- Pick a flyer and click ACTIONS>SELECT
- Select your agent under CO MARKETING PROFILE
- Enter the MLS# and click the magnifying glass
- Click SELECT under the home
- Click CUSTOMIZE AND PUBLISH
- If it is an Open House flyer, be sure to enter the date and time in the appropriate field
- You may need to edit the home description so it can all fit
- Click SAVE FIRST DRAFT, then PUBLISH
- Click ACTIONS and GENERATE PDF
- You can either save the PDF to your desktop or copy the URL to the PDF
Step 3
- Now, open an email in Outlook, and send the link to the Single Property Site, the link to the PDF (or attach the file) to your agent!
- Don't forget to offer your agent the ability to purchase Open House Kits at EXCLUSIVE wholesale pricing (requires 7-10 days advance notice)
Ask any successful loan officer, and they'll tell you about Loan Status Update Tuesdays. This is a strategy our team has been sharing since the very beginning and when done properly, can ultimately save you time!
Each Tuesday, time block an hour to contact the borrower (it's ok if you just call the primary), buyer's agent, and seller's agent with an update on the home loan. It doesn't matter if there isn't any change to the loan's status from the previous week. The goal here is to provide weekly updates to calm nerves and anxiety through the process.
Sample Script:
Hey [Buyer], it's [Your Name] from Castle & Cooke Mortgage. Just giving you a ring with your Tuesday update call. I wanted to let you know that your home loan [insert status or update here]. Everything appears to be in good shape. Let me know if you have any questions and I'll be glad to help. I'll check back in next week with more news.
Hey [Buyer's Agent], it's [Your Name] from Castle & Cooke Mortgage. Calling to update you on the [Buyer's Name} loan at [Subject Property Address]. I wanted to let you know that [insert status or update here], and everything looks like it's in good shape. Before I let you go, do you have any buyers you'd like me to speak with? Do you have any needs for open houses you or your brokerage may be hosting this weekend? I'll check back in next week with more news.
Hey [Seller's Agent], it's [Your Name] from Castle & Cooke Mortgage. Calling to update you on the [Buyer's Name} loan at [Subject Property Address]. I wanted to let you know that [insert status or update here], and everything looks like it's in good shape. Are you hosting any open houses this weekend? Do you need my help setting up or can I bring some waters and snacks? How's everything going with your other transactions? Any challenging situations I can help with? I'll check back in with you next week with more updates on the loan.
The key here is to decrease your incoming calls from agents who constantly call you to check in on your borrower's home loan. Stick to it!
Each Wednesday, plan to time block one hour to call your funded clients going through the alphabet based by last name. (Week 1=A, Week 2=B, etc).
One letter a week for the next 26 weeks. When those six months are up, you start over! This allows you to give a personal call to your clients twice a year.
All it takes is time-blocking and sticking to the plan! You can do this!
Sample Script:
Hello [Client], it's [Your Name] from Castle & Cooke Mortgage. It's been a few months since we chatted last, so I just wanted to call and check in. I wanted to make sure you're getting your mortgage statements and that everything for your home loan is going smoothly.
Do you have any questions or run into any challenges lately?
Have you been reading your Homebot report you get each month?
We happen to have some new loan programs that can help people [pay down credit cards], [buy investment properties with their equity], [upgrade or downgrade], [get cash out for home improvements].
If you happen to know of any friends, family, or neighbors who might need help in that area, would you be so kind to pass them my contact info?
Thanks for being a great client - please call me any time if there's anything I can do to help.
Homebot does a great job in setting up your daily dashboard to show you clients who are motivated to sell (and also refi, but we are focusing on sellers for now).
For those of you who attended (or watched) our Homebot Best Practices on Day One of our Virtual Sales Rally, you may remember our rep, Bethany, showing us how to leverage and communicate with Motivated Sellers.
Each Monday you receive a report from Homebot showing your most active leads. When you click on VIEW ACTIVITY FEED it will bring you right to your Homebot Client Activity Feed.
Click on the MOTIVATED TO SELL filter and here are the folks you should call weekly.
Sample Script:
Hello [Client], it's [Your Name] from Castle & Cooke Mortgage. I just wanted to check in and see how you're liking your Homebot Digest? Do you have any questions about your home's value or some of the options you have? Based on your equity, you might have an opportunity to purchase a new home if you're thinking about a move. Should we set a time for your agent to do a CMA for a more accurate estimate? Have you been thinking about making a move, or using some of your equity? If you want, I can pull up your Homebot report and we can review your options together if you have time?
There is a reason they are called Motivated Sellers! They've explored their options in Homebot - get in front of them first to help them understand all the ways they can use their home equity. Stick to it!
Every Friday, time block two hours to call everyone AND their REALTOR in your pipeline who is pre-qualified but hasn't gone under contract.
Sample Script:
Hello [Client], it's [Your Name] from Castle & Cooke Mortgage. I just wanted to check in on your home search. How's everything going? Have you taken a look at your Homebot Buyer Report lately? Do we need to adjust your price point? Are there any contingencies we should re-think like appraisal or inspection? Anything else I can do or help with your home search?
Hello [Agent], it's [Your Name] from Castle & Cooke Mortgage. I just got off the phone with [Pre-Qualified Client], and he let me know they're still shopping for a new home. I wanted to ask if you thought maybe we need to revise their price range or change any of their contingencies? (If any changes are needed, let them know you'll send a revised pre-qualification letter). Are you working with anyone else this weekend I should chat with?
If you want to avoid people calling you in a panic over the weekend, this is a great way to cut down those calls. Stick to it!
Want to get the most out of Total Expert? Check out our Top High Value and High Dollar Actions
1) Log in to Total Expert Every. Single. Day.
2) Use Focused View every day as a call list to reach out to clients. We've created many Focused Views tied to Journeys and Campaigns so you can see who is actively receiving emails and texts from you. Be sure to log an outcome for each client within your Focused Views - don't let them just sit there. (Note: Customer Intelligence alerts only last seven days, so be sure to quickly log outcomes for anyone flagged for CI when you receive the user notification).
3) Use Journeys! Over the last few months, we've released a number of campaigns that fall outside of our usual automation strategies. These campaigns require you to add a contact and place them into a group, our use a Lead Capture App. Below you will see our brand new First Time Homebuyer Campaign. Last month we released the campaign and strategy for Divorced Leads. Earlier this year we released a campaign targeting renters. Setting clients up on these Journeys take very little time, and allow you to stay top of mind and provide valuable intel to push people to apply.
3) Connect with multiple co-marketing partners for more business. Think outside the box too! You can add accountants, attorneys, and even insurance agents as co-marketing partners. Remember the Divorce Lead Campaign from July?
4) Make sure your real estate agent co-marketing partners are at 100% completion! The biggest obstacle to this is their MLS-ID and affiliation.
a) When your agents connect their MLS to Total Expert, you'll be notified of new listings.
b) Create a Single Property Website, an Open House Lead Capture App, and a Listing Flyer for every new listing notification you receive. Then congratulate the agent for their new listing and send them the content you created.
5) Clear your tasks! When you receive or create a task, it's important you clear the task so they don't stack up in your account.
Last week we released a new process regarding CMA Requests you receive through Homebot. Be sure to watch a recap of our webinar here.
- When you receive a CMA Request via Homebot, you will get a notification from Homebot as well as a notification from Total Expert.
- On your behalf, we will send this email out to the client who requested a CMA.
- The onus is on the Loan Officer to reach out to either the client's buyers agent or another trusted agent partner and have them complete the CMA and return the info to you.
- See below for next steps
6. Log into Total Expert, navigate to Focused View, and find the client in the "Homebot CMA" Focused View
7. If the CMA has come in higher than what their Homebot was initially, then click LOG OUTCOME and select "CMA Completed - Value Improved"
8. If the CMA has come in lower than what their Homebot was, then click LOG OUTCOME and select "CMA Completed - Value Decreased"
9. Depending on their CMA results, one of two emails will be sent providing further information and encouraging them to reach out to you for next steps or questions. (Samples: Value Increased, Value Decreased)
6. Marketing will enter the CMA results into your client's Homebot
7. Marketing will log an outcome in Total Expert and depending on their CMA results, one of two emails will be sent providing further information and encouraging them to reach out to you for more next steps or questions. (Samples: Value Increased, Value Decreased)
8. Marketing will inform you when these steps are complete.
9. Marketing will track this client's progress, if a loan is created after the CMA has been logged, it will be marked as a company generated loan.
Social Media Post Instructions
Schedule all of your social media posts! Click here to jump down to our social media calendar. All posts are loaded and live in Total Expert and ready for you to pre-schedule to your channels. Pro-Tip: Delete and redo your Facebook and LinkedIn integrations before you start scheduling. Why? This will ensure an updated connection between the platforms, and will get you in the habit considering Linked In needs to be refreshed every 2 months. This won't affect your currently scheduled posts.
Instructions for posting:
- Log into Total Expert either via CCMConnect or http://expert.castlecooke.mortgage
- Refresh your Integrations
- Click on your Name/Photo in the upper right
- Click INTEGRATION SETTINGS
- Click DISCONNECT under Meta
- Click DISCONNECT under LinkedIn
- Click CONNECT under Meta
- Follow the on-screen instructions to log into your Facebook Account and click RECONNECT. Grant permissions if prompted.
- When prompted for a Facebook Account, click the dropdown box and select your business page and click UPDATE CONNECTIONS
- Click CONNECT under LinkedIn
- Follow the on-screen instructions to log into your Facebook Account and click RECONNECT. Grant permissions if prompted.
- When prompted for a Facebook Account, click the dropdown box and select your business page and click UPDATE CONNECTIONS
- Click WEB MARKETING > SOCIAL MEDIA > CREATE NEW
- Activate the GROW TIME NOVEMBER 2025 tag
- Click on the TAGS drop down in the upper right
- You can either search or scroll to find the GROW TIME OCTOBER 2025 tag
- Click on the tag and your screen will refresh to show only this month's posts
- Be sure you have Total Expert open on one monitor and Grow Time open on another. Follow the social calendar below.
- Use the search bar on the left side and search for the post by name
- Click ACTIONS > SHARE
- Be sure to select the social networks you wish to use (Facebook, LinkedIn, Instagram)
- Under POST DATE select the suggested date according to our social calendar
- Under POST TIME select any time between 8pm and 10pm
- Click on SCHEDULE
- Repeat the above steps for each post through November 4th
- Reach out to Marketing if you have any questions
November's Social Media Schedule
.png?width=1000&height=1279&name=_November%20growtime%20(3).png "_November growtime (3)")
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: November 5
VA Loans - Lower Rates For Those Who Served
.jpg?width=300&height=375&name=lower%20rates%20for%20those%20who%20served%20(1).jpg "lower rates for those who served (1)")
Caption:
VA Loans consistently offer lower interest rates than most conventional options. It's not a favor, it was earned, and it’s one of the few ways a home loan can actually reflect someone’s service and sacrifice. Find out more at https://www.castlecookemortgage.com/va-loans
Total Expert Tags: Interest Rates, VA, Veterans, Grow Time November 2025
Post Date: November 6
VA Loans - No Loan Limits
.jpg?width=300&height=375&name=no%20loan%20limits%20(1).jpg "no loan limits (1)")
Caption:
A full VA entitlement means no loan limit. That means buying power that scales with a Veteran’s goals, not artificial caps. Bigger homes, more options, zero down. That’s what entitlement truly means. Contact me today to explore your VA benefits
Total Expert Tags: Loan Limits, VA, Veterans, Grow Time November 2025
Post Date: November 7
VA Loans - Funding Fee
.png?width=300&height=375&name=funding%20fee%20(1).png "funding fee (1)")
Caption:
VA Loans have a one-time funding fee that helps keep the program running for future generations of Veterans. The fee can be paid in full at closing, or can be rolled into the home loan. There are a handful of exemptions to this fee for Veterans receiving disability compensation or Purple Heart recipients. Contact me today to learn more
Total Expert Tags: VA, Veterans, Purchase, Grow Time November 2025
Post Date: November 8
VA Loans - 7 in 10 Vets Miss Out on Benefits
.png?width=300&height=375&name=7%20in%2010%20(1).png "7 in 10 (1)")
Caption:
Thousands of veterans are leaving life-changing benefits on the table without any idea they exist. The VA Home Loan isn’t a handout. It’s a benefit earned. Let’s fix the awareness gap. Click below to learn more. https://www.castlecookemortgage.com/va-loans
Total Expert Tags: VA, Veterans, Education, Grow Time November 2025
Post Date: November 9
VA IRRRL
.jpg?width=300&height=375&name=IRRRL%20(1).jpg "IRRRL (1)")
Caption:
Already have a VA Loan? Veterans may be able to streamline refinance to lower their rate with minimal paperwork through a VA IRRRL (Interest Rate Reduction Refinance Loan). Click the link below to learn more. https://www.castlecookemortgage.com/va-interest-rate-reduction-refinance-loans
Total Expert Tags: VA IRRRL, Veterans, Grow Time November 2025
Post Date: November 10
VA Loans - What's a COE?
Caption:
One of the first step's in a VA Loan is getting a Certificate of Eligibility (COE). This confirms your eligibility for your VA home loan benefit. You can request it online through the VA directly, or we can help request it directly in most cases.
Total Expert Tags: Education, VA, Veterans, Grow Time November 2025
Post Date: November 11
Veteran's Day
Caption:
“Our veterans fought for a country that promised freedom, dignity, and opportunity. The best way we honor them is to keep building a nation worthy of their sacrifice.”
— Senator Tammy Duckworth.
Today, we honor every veteran who stepped forward to serve, and we recommit to ensuring they have access to the American Dream, including the right to a safe, affordable home.
Total Expert Tags: Veterans, Holiday, Grow Time November 2025
Post Date: November 12
VA Loans - Surviving Spouses
Caption:
Some sacrifices extend far beyond the battlefield. The VA Loan benefit is available to many surviving spouses, and without a funding fee in some cases. It’s not just about honoring service. It’s about honoring family, and a promise kept to military families. For more information, click the link below: https://www.castlecookemortgage.com/va-loans
Total Expert Tags: VA, Veterans, Grow Time November 2025
Post Date: November 13
VA Loans - Closing Costs
.jpg?width=300&height=375&name=closing%20costs%20(1).jpg "closing costs (1)")
Caption:
VA Loans offer more flexibility on closing costs than most borrowers ever hear about. Sellers are able to offer contribution of up to 100% of closing costs, (and up to 4% towards non-closing cost items with some restrictions). If you're a Veteran thinking about your next move, click the link below to get pre-qualified today
Total Expert Tags: VA, Veterans, Grow Time November 2025
Post Date: November 14
VA Loans - Myths
Caption:
VA Loans don’t take longer to close. They’re not harder to get approved. And they aren’t second-tier. The real myth is how misunderstood this program still is. To learn more, click or tap here: https://www.castlecookemortgage.com/va-loans
Total Expert Tags: VA, Veterans, Grow Time November 2025
Post Date: November 15
VA Loans - Credit Scores
Caption:
No minimum score is set by the VA itself. Many lenders will work with scores in the low 600s, or even lower with compensating factors. It’s about the full picture, not just the number. Find out more about benefits, requirements, and qualifications here: https://www.castlecookemortgage.com/va-loans
Total Expert Tags: VA, Veterans, Credit Score, Grow Time November 2025
Post Date: November 16
VA Loans - VA vs FHA
Caption:
When it comes to potential savings, VA Home Loans win hands-down. With no monthly mortgage insurance, options for no down payment, no loan limits, and typically lower rates. If a Veteran qualifies, a VA Loan could be the smart move. Click below to get pre-qualified today.
Total Expert Tags: VA, FHA, Veterans, Grow Time November 2025
Post Date: November 17
VA Loans - Cut Through the Noise
Caption:
Conventional loans can sometimes be packed with hurdles. Down payments. Mortgage insurance. Tight DTI ceilings. The VA Loan plays by its own rules. It was designed to simplify access to homeownership for those who served, because qualifying shouldn’t feel like punishment. Find out more here: https://www.castlecookemortgage.com/va-loans
Total Expert Tags: VA, Veterans, Grow Time November 2025
Post Date: November 18
VA Loans - First Time Homebuyers
Caption:
First-time homebuyers sometimes face a mountain of barriers, but Veterans buying their first-home don’t have to climb the same hill. As little as zero down payment. No PMI. Flexible guidelines. If someone wore the uniform, their first home should come with fewer obstacles, not more. Click here to get started.
Total Expert Tags: VA, Veterans, First Time Home Buyer, Grow Time November 2025
Post Date: November 19
VA Loans - Multi-Unit Homes
Caption:
Live in one, rent the rest. Veterans can use their VA home loan benefits to buy a 2–4 unit property if they occupy one unit. It’s one of the most overlooked wealth-building tools in the market. If you're a Veteran, and want to use your benefits to their fullest potential, click or tap below to get pre-qualified today
Total Expert Tags: Multi Unit, VA, Veterans, Grow Time November 2025
Post Date: November 20
VA Loans - Experienced Lenders
Caption:
Veterans deserve the best, not a lender that treats VA Loans like a checkbox, or don't know all the details and nuances. Working with a trusted company who actually knows the guidelines isn’t a luxury, it’s a necessity.
https://www.castlecookemortgage.com/va-loans
Total Expert Tags: VA, Veterans, Grow Time November 2025
Post Date: November 21
VA Loans - Pre-Payment
Caption:
VA Loans come with no prepayment penalty, which can help Veterans build equity faster, pay off sooner, and avoid unnecessary interest. Just freedom to own. Click or tap below to get pre-qualified today.
Total Expert Tags: VA, Veterans, Grow Time November 2025
Post Date: November 22
VA Loans - More Than Once
.png?width=300&height=375&name=more%20than%20once%20(3).png "more than once (3)")
Caption:
You can use your VA Loan benefit more than once! Selling your current home? You may still have remaining entitlement for your next purchase! Click here to learn more about VA Home Loans: https://www.castlecookemortgage.com/va-loans
Total Expert Tags: VA, Veterans, Grow Time November 2025
Post Date: November 23
VA Loans - Earned Access
Caption:
VA Home Loans aren’t a handout. They’re earned access to a financial tool that recognizes service in appreciation from the country you defended. And it can unlock homeownership when other options can’t. Find out more here: https://www.castlecookemortgage.com/va-loans
Total Expert Tags: VA, Veterans, Grow Time November 2025
Post Date: November 24
VA Loans - Own Sooner
Caption:
It can take years to save for a 5-10% down payment on a conventional loan. VA-eligible buyers can skip that delay entirely. Zero down doesn’t mean zero value. It means veterans can stop renting, start owning, and begin building equity now, not five years from now. https://www.castlecookemortgage.com/va-loans
Total Expert Tags: VA, Veterans, Grow Time November 2025
Post Date: November 25
VA Loans - Qualify
Caption:
Many Veterans who don’t use their VA Loan benefit never even checked to see if they were eligible. Reservists. Surviving spouses. Active duty. Discharged decades ago. The rules are broader than people think, and the opportunity is too good to miss. Want to learn more about VA home loans? Click or tap the link below https://www.castlecookemortgage.com/va-loans
Total Expert Tags: VA, Veterans, Grow Time November 2025
Post Date: November 26
VA Loans - New Construction
Caption:
VA Loans can be used to finance new construction homes, giving veterans options beyond existing homes. It’s a path few Veterans know exists. And it puts building a dream home within reach. Ready to use your entitlement to build? Click or tap the link below to get pre-qualified today.
Total Expert Tags: VA, Veterans, Grow Time November 2025
Post Date: November 27
Thanksgiving
Caption:
“Thanksgiving is not only being aware of the abundance of good in the world but embracing it.” Richelle E. Goodrich.
Total Expert Tags: Holiday, Thanksgiving, Grow Time November 2025
Post Date: November 28
VA Loans - Rural Areas
Caption:
From cities to small towns, VA Loans work nationwide. There are no geographical limits, just opportunities waiting in every zip code. Find out more by clicking or tapping the link below.
https://www.castlecookemortgage.com/va-loans
Total Expert Tags: VA, Veterans, Grow Time November 2025
Post Date: November 29
VA Loans - Share Your Story
Caption:
Stories shape decisions. If you're a Veteran who used your VA benefit, share your story in the comments below. Sharing what’s possible inspires others to act, and breaks the myth that homeownership isn’t for them. Your experience might help another veteran take the first step toward homeownership.
Total Expert Tags: VA, Veterans, Grow Time November 2025
Post Date: November 30
Thankful for Veterans
Caption:
As November closes, we remain thankful for every veteran’s service, and are committed to helping them achieve the dream of homeownership.
Total Expert Tags: VA, Veterans, Grow Time November 2025
Post Date: December 1
A Home For The Holidays
Caption:
This December, we’re focusing on what home really means: the comfort of having a place that’s yours. Whether you’re ready to buy, renovate, or make a move before the new year, we’ll help you get there. Click the link below to start your journey toward homeownership.
Total Expert Tags: Holiday, Homeownership, Grow Time November 2025
Post Date: December 2
Shop For Homes Any Time - Even the Witching Hour
.jpg?width=300&height=375&name=mortgage%20check%20up%20(1).jpg "mortgage check up (1)")
Caption:
Just like your health or your car, your mortgage deserves a yearly check-up. There are less than 30 days left in 2025, let's see if a refinance, rate adjustment, or equity review could help you start 2026 in a stronger position. Click below to schedule your year-end mortgage review.
Total Expert Tags: Homeownership, Home Equity, Refinance, Grow Time November 2025
Additional Content
2026 Conforming Loan Limit Increase Collateral
2026 Conforming Loan Limit Increase
Caption:
We've increased our Conforming Loan Limits to $819,000. Best of all, you don't need to wait until 2026 to get started! With less stringent requirements compared to other loan programs, optimal pricing for eligible borrowers, and down payments as little as 3%, now's the time to make your move! Click or tap the link below to get pre-qualified today.
Total Expert Tags: Conforming Loans, Loan Limits, Grow Time October 2025
2026 Conforming Loan Limit Increase
Total Expert Tags: Conforming Loans, Loan Limits, Grow Time October 2025
2026 Conforming Loan Limit Increase
Total Expert Tags: Conforming Loans, Loan Limits, Grow Time October 2025
Financial Planner & Divorce Attorney Marketing
Financial Planner Marketing
Caption:
If you're a financial planner, consider working with a mortgage pro who can help deliver more for your clients. When we work together, you'll gain access to home equity reports for your homeowners, property search tools for buyers and investors, and a huge library of co-branded mortgage marketing content to share. Let's work together and collaborate to help your clients make smarter financial moves to build wealth through real estate. Click or tap the link below to get started
Total Expert Tags: Financial Planner, Grow Time October 2025
Financial Planner Marketing
Total Expert Tags: Financial Planner, Grow Time October 2025
Financial Planner Marketing
Total Expert Tags: Financial Planner, Grow Time October 2025
Divorce Attorney Marketing
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When your clients are facing divorce, the home is often the hardest part. A trusted mortgage professional can help you guide them through their options with clarity and compassion.
Total Expert Tags: Attorney, Divorce, Grow Time October 2025
Divorce Attorney Marketing
Total Expert Tags: Attorney, Divorce, Grow Time October 2025
Divorce Attorney Marketing
Total Expert Tags: Attorney, Divorce, Grow Time October 2025
Training: Keys To Success
We have streamlined and updated our Keys to Success Training Page. From here on, we will always link to this page in this section. We'll post occasional updates here if anything new has been added each month
Grow Time Archive
Watch this space
Your Marketing team is hard at work creating new videos, flyers, social posts, email campaigns, and more. When we have something new for the field, we'll update this section. Check back often!
Holiday Availability Collateral
Available This Holiday #1
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Lots of long weekends coming up! Just because the holidays are here doesn’t mean the home loan process stops. Even when the markets are closed, I’m still available to help support clients and real estate agents! Call or text any time! Happy Holidays!
Total Expert Tags: Relationship Building, Grow Time November 2025
Available This Holiday #1
Total Expert Tags: Relationship Building, Grow Time November 2025
Available This Holiday #2
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You can count on me this holiday season to be available through the various long weekends. Whether it’s a question, status update, or even if you want my secret recipe for holiday cookies, I’ll be around! Call or text any time! Happy Holidays!
Total Expert Tags: Relationship Building, Grow Time November 2025
Available This Holiday #2
Total Expert Tags: Relationship Building, Grow Time November 2025
Available This Holiday (Email)
Total Expert Tags: Relationship Building, Grow Time November 2025
HUD Section 184 Loan Guarantee Program Collateral
HUD Section 184 Indian Housing Loan Guarantee Program #1
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Everyone deserves a place to call home - especially those whose roots run deep on this land. We are offering an exclusive Native American home loan program that requires as little as 2.25% down, a low guaranteed fee, has flexible credit requirements, and offers competitive interest rates. Connect with me today to learn more!
Total Expert Tags: HUD Section 184, Loan Program, Grow Time November 2025
HUD Section 184 Indian Housing Loan Guarantee Program #2
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Everyone deserves a place to call home - especially those whose roots run deep on this land. We are offering an exclusive Native American home loan program that requires as little as 2.25% down, a low guaranteed fee, has flexible credit requirements, and offers competitive interest rates. Connect with me today to learn more!
Total Expert Tags: HUD Section 184, Loan Program, Grow Time November 2025
HUD Section 184 Indian Housing Loan Guarantee Program
Total Expert Tags: HUD Section 184, Loan Program, Grow Time November 2025
HUD Section 184 Indian Housing Loan Guarantee Program
Total Expert Tags: HUD Section 184, Loan Program, Grow Time November 2025
No Payment Until 2026 Collateral
Refi Now. Relax Til 2026.
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Homeowners - Do the holidays have you stressed out? We want to help ease that burden. By refinancing your home or tapping into your home's equity with a HELOC; you wouldn't have to make your first payment until 2026. Contact me to discuss your options today!
Total Expert Tags: Refinance, Grow Time November 2025
Take a Break from Mortgage Payments Until 2026!
Total Expert Tags: Refinance, Grow Time November 2025
Make Your Next Mortgage Payment in 2026
Total Expert Tags: Refinance, Grow Time November 2025
Buy Now, Settle In, and Skip Payments Until 2026!
.jpg?width=300&height=375&name=buy%20now%2c%20settle%20in%20(1).jpg "buy now, settle in (1)")
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The holidays are in full swing! By purchasing a home today, your first mortgage payment wouldn't be until 2026 AND you could spend the most wonderful time of the year in a home of your own. Talk about great timing! Contact me today to get pre-qualified:
Total Expert Tags: Purchase, Grow Time November 2025
Buy a Home Today; No Mortgage Payment Until 2026!
Total Expert Tags: Purchase, Grow Time November 2025
The Holidays Are Best Spent in a Home of Your Own
Total Expert Tags: Purchase, Grow Time November 2025
Weekly Rate Update
Weekly rate update posts will appear here every Thursday morning...stay tuned!
Weekly Rate Update - 11.20.25
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Mortgage rates have been shifting within a narrow ten-basis point range over the last month. This rate stability is a positive sign for both buyers and sellers, as it helps provide greater certainty in the housing markets.
Total Expert Tags: Freddie Mac Weekly Rate Update, Grow Time November 2025
Weekly Rate Update - 11.20.25
Total Expert Tags: Freddie Mac Weekly Rate Update, Grow Time November 2025
Weekly Rate Update - 11.20.25
Total Expert Tags: Freddie Mac Weekly Rate Update, Grow Time November 2025