Grow Time
October 2023

Quick Links

Total Expert - Street Level Strategies

Consistency is key. What have you done in the past month to drive agent sign ups in Total Expert?

This episode of Total Expert Street Level Strategies features Patti Adamson, a top producer with VanDyk Mortgage, who shares how she is increasing her referral network by consistently showing value to her agents with Total Expert.

She has built a streamlined process where every week she is sharing marketing resources with her agent database as a way to provide value and also entice agents to sign up for Total Expert. This repeatable process has been a true game changer for her business and her referral partner relationships.

Watch now:  https://totexp.co/3PxQhRB

Open House Kits

Open House Kits are a great way to demonstrate your commitment to your agent's marketing needs and overall growth. Kits cost $400 ($40 charged to your branch, $360 to the agent). If you haven't marketed these to your agents yet, use the collateral below to get their attention. Contact marketing@castlecookemortgage.com to place your order when ready.

Open House Kits Collateral

Open House Kit - Agent Email

open house email gt

Total Expert Tags: Agent Marketing, Open House Kit, Grow Time October 2023

Agent Marketing - Open House Kits

open house social updated gt

Caption:
Real Estate Agents - are you needing more attention grabbing signage to help people find your listing? Contact me today to order your co-branded Open House Signage Kit! Customized with your info, your logo, and colors - includes two 12-foot flags, and ten oversized directional signs (28x22 inches!). All for $360!

Total Expert Tags: Agent Marketing, Open House Kit, Grow Time October 2023

Agent Marketing - Open House Kits

open house updated gt

Total Expert Tags: Agent Marketing, Open House Kit, Grow Time October 2023

New Content

Bond Program Lender Credit Collateral

Note: Not available in Idaho

Bond Program Lender Credit - Use Your State's Housing Assistance - Postcard

bond postcard gt 1

Total Expert Tags: Bond Program, Lender Credit, Postcards, Grow Time October 2023

Bond Program Lender Credit - We're Committed to Affordable Housing - Postcard

bond postcard gt 2

Total Expert Tags: Bond Program, Lender Credit, Postcards, Grow Time October 2023

Bond Program Lender Credit - Use Your State's Down Payment Assistance Program

bond flyer gt

Total Expert Tags: Bond Program, Lender Credit, Grow Time October 2023

Bond Program Lender Credit - Version 1

bond loans_social-03

Caption:
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: Bond Program, Lender Credit, Grow Time October 2023

Bond Program Lender Credit - Version 2

bond loans_social-02

Caption:
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: Bond Program, Lender Credit, Grow Time October 2023

Bond Program Lender Credit - Client Email

bond client email gt

Total Expert Tags: Bond Program, Lender Credit, Grow Time October 2023

Bond Program Lender Credit - Agent Email

bond agent email gt-1

Total Expert Tags: Bond Program, Lender Credit, Postcards, Grow Time October 2023

New 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).

Listing EDDM - 01

listed postcard 2

Total Expert Tags: Cobranded, Listing EDDM, Postcards, Grow Time October 2023

Listing EDDM - 02

listed postcard 3

Total Expert Tags: Cobranded, Listing EDDM, Postcards, Grow Time October 2023

SimpliFi Postcard

simplifi postcard gt

Total Expert Tags: SimpliFi, Refinance, Postcards, Grow Time October 2023

NewFi Gig Borrowers Postcard

gig postcard gt

Total Expert Tags: NewFi, Gig, Postcards, Grow Time October 2023

First Time Homebuyer - Kick Confusion to the Curb

confusion postcard gt

Total Expert Tags: First Time Home Buyer, Postcards, Grow Time October 2023

New Closed End Second Collateral

Closed End Second - High Interest Debt Postcard

debt postcard gt

Total Expert Tags: Cash Out Refi, Closed End Second Refi, Postcards, Grow Time October 2023

Closed End Second - Ways to Use Equity Postcard

closed end postcard equity gt

Total Expert Tags: Cash Out Refi, Closed End Second Refi, Postcards, Grow Time October 2023

Closed End Second - Market Analysis Postcard

closed end worth postcard gt

Total Expert Tags: Cash Out Refi, Closed End Second Refi, Postcards, Grow Time October 2023

Closed End Second - High Interest Debt

closed end high interest

Total Expert Tags: Closed End Second Refi, Cash Out Refi, Grow Time October 2023

Closed End Second - Ways to Use Equity

closed end equity gt

Total Expert Tags: Closed End Second Refi, Cash Out Refi, Grow Time October 2023

Closed End Second - Market Analysis

closed end market analysis

Total Expert Tags: Closed End Second Refi, Cash Out Refi, Grow Time October 2023

New ARM Content

Afraid of Losing an ARM? - Version 1

afraid of losing an arm_social

Caption:
Is that sweet, sweet rate from your Adjustable Rate Mortgage going to expire soon? Some borrowers could be in store for a rude awakening as their 10/1, 7/1, or 5/1 ARMs are coming to an end and suddenly seeing their 3% or 5% rate go away, and replaced by a rate that's constantly changing, affecting their monthly payment. If you need to refi out of your ARM and into a fixed-rate mortgage, contact me today!

Total Expert Tags: ARM, Refinance, Grow Time October 2023

Afraid of Losing an ARM? - Version 2

afraid of losing an arm_social2

Caption:
Is that sweet, sweet rate from your Adjustable Rate Mortgage going to expire soon? Some borrowers could be in store for a rude awakening as their 10/1, 7/1, or 5/1 ARMs are coming to an end and suddenly seeing their 3% or 5% rate go away, and replaced by a rate that's constantly changing, affecting their monthly payment. If you need to refi out of your ARM and into a fixed-rate mortgage, contact me today!

Total Expert Tags: ARM, Refinance, Grow Time October 2023

Refinance - Is Your ARM Coming To An End?

ARM flyer gt

Total Expert Tags: ARM, Refinance, Grow Time October 2023

Refinance - Is Your ARM Coming To An End?

arm postcard

Total Expert Tags: ARM, Refinance, Postcards, Grow Time October 2023

New USDA Flyer

USDA Loans - Detailed Version

usda flyer updated gt

Total Expert Tags: USDA, Down Payment Assistance, Grow Time October 2023

Refreshed Content

Home Equity - Tap That Equity!

tap that equity_refresh

Caption:
Did you know that homeowners collectively have over $30 TRILLION in potential equity?! Are you sitting on a hidden savings account? Whether you’re looking to consolidate debt, make home repairs, or even get cash out for an emergency fund, we have options for you! Contact me today for your free home equity report today.

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

Friday Fun Facts Social Posts

These featured Friday Fun Fact social posts are available within Total Expert, or you can post them manually using our Instagram instructions. (Instagram Carousels are only available to post manually.)

Friday Fun Facts: What is TRID?

TRID

Caption:
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 October 2023

Friday Fun Facts: What is an FHA Loan?

what is FHA loan

Caption:
Also known as a "Federal Housing Administration" loan, FHAs can be a great option for many borrowers, including First Time Homebuyers! This is because their credit requirements are lower & debt-to-income (DTI) ratios can be higher. Contact me today to see if an FHA loan would be right for you! #castlecookemortgage #homeloans #FHA #FHAloans #mortgage

Total Expert Tags: Friday Fun Facts, FHA, Grow Time October 2023

Friday Fun Facts: What is Mortgage Servicing?

what is mortgage servicing

Caption:
Once your loan funds, it doesn't stop there! Our Servicing team will ensure your received payment is applied timely, your escrowed property insurance is applied annually, and so much more! They are truly unsung heroes of the mortgage world. #castlecookemortgage #mortgageservicing #homeloans #mortgages

Total Expert Tags: Friday Fun Facts, Servicing, Grow Time October 2023

Friday Fun Facts: What Are Home Operating Costs?

Home operating costs_social

Caption:
Have you ever heard the quote "with great power comes great responsibility"? The same applies to homeownership! But even with the home operating costs, homeownership can be one of the best investments you can make. Contact me to learn more about becoming a homeowner today. #castlecookemortgage #homeloans #mortgages #homecosts

Total Expert Tags: Friday Fun Facts, Home Maintenance, Grow Time October 2023

Suggested Social Calendar
October growtime calendar
Holiday Social Posts

Important Note: Now that we're using 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.

Oct. 6: World Smile Day

Smile day

Caption:
Grinning from ear to ear because it's World Smile Day! Spread joy, share laughter, and let those smiles light up the world! #WorldSmileDay #SmileWide

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

Oct. 9: Indigenous People's Day

indigenous peoples day

Caption:
Happy Indigenous People's Day! Today we embrace the vibrant culture, ancestral wisdom, and heritage of these wonderful individuals.

Total Expert Tags: Holiday, Grow Time October 2023

Oct. 17: National Pasta Day

pasta day

Caption:
Twirlin' into happiness on National Pasta Day! Celebrate the saucy, carb-filled joy that makes every day better.

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

Oct. 21: National Pumpkin Cheesecake Day

pumpkin cheesecake

Caption:
Fall feels and pumpkin delights – it's National Pumpkin Pie Day! Dive into a slice of autumn bliss.

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

Oct. 31: Halloween

Halloween_social

Caption:
"Halloween was confusing. All my life my parents said, 'Never take candy from strangers.' And then they dressed me up and said, 'Go beg for it.' " - Rita Rudner

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

Nov. 1: Dia de Los Muertos

dia de los muertos_social

No Caption

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

Nov. 5: Daylight Savings

Daylight savings ends

Caption:
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 October 2023

In Case You Missed It
Cash-Out Collateral

Cash-Out Refi - Got High-Interest Debt?

got high interest debt_ (1)

Caption:
Having high-interest debts can be mentally debilitating for many homeowners. But did you know that you could potentially use your home’s equity to consolidate these? That’s right! Contact me today to learn if a cash-out refinance would be the right fit for you.

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

Cash-Out Refi - Benefits - Client Email

cash out client email gt

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

Cash-Out Refi - Benefits (Short) - Client Email

cash out email short gt

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

Instagram Carousel: Cash-Out Refi - Current U.S. Debt

cashoutIGcarousel

Caption:
Individuals in the U.S. have an estimated $17.1 TRILLION in household debt. Swipe left to see what it’s from and how it can be handled!*
*Source: https://twitter.com/KobeissiLetter/status/1689010884062904320?s=20

Carousel images can be downloaded here.

Instagram carousel posting instructions can be found here.

Homebot Buyer Collateral

Special note: When you deploy these posts through Total Expert, the system will automatically add your Homebot Buyer link to the end of the social post. If you post these manually, make sure to add your custom link.

Homebot Buyers - Be Ready to Make Your Move

Homebot Buyer Posts3

Caption:
Don’t miss out on your dream home because you’re unprepared. Be a competitive buyer by getting prequalified and double-checking the market trends. Click the link to get started. #castlecookemortgage #homeloan #mortgage #realestate #buyersmarket #homebot #prequalified

Total Expert Tags: Homebot, Home Equity, Grow Time September 2023

Homebot Buyers - Understand Your Buying Power

Homebot Buyer Posts2

Caption:
Getting pre-qualified is a must in today’s market. Selling too? Add your home to see its value, and how much cash you could put towards your next home. Click the link to get started! #castlecookemortgage #homeloan #mortgage #realestate #buyersmarket #sellersmarket #homebot #prequalified

Total Expert Tags: Homebot, Home Equity, Grow Time September 2023

Homebot Buyers - Know When and Where to Buy

Homebot Buyer Posts

Caption:
What if you could find your dream home at a better price in a nearby neighborhood? Explore zip codes by popular market, cheaper buys, & more. Click the link to get started. #castlecookemortgage #homeloan #mortgage #realestate #buyersmarket #homebot

Total Expert Tags: Homebot, Home Equity, Grow Time September 2023

Advantages of Homeownership Collateral

Advantages of Homeownership - Building Wealth 1

Building wealth 1_social (1)

Caption:
Your equity could rise as your property value soars! Whether you need to pay off unexpected expenses, start a home reno, or even fund a new career, your home equity could give you the funds that you need. Reach out to me today to explore all the possibilities! #castlecookemortgage #homeequity #homevalue #homeloans #mortgages

Total Expert Tags: Advantages of Homeownership, Home Equity, Grow Time September 2023

Advantages of Homeownership - Building Wealth 2

Building wealth 2_social (2)

Caption:
Did you know equity could build in your home by simply paying down your mortgage? It's true! Plus, if you're able to pay off your mortgage early, you could save big on interest and see your home's equity rise even faster! Contact me today to determine the best mortgage gameplan for you. #castlecookemortgage #homeequity #homevalue #homeloans #mortgages

Total Expert Tags: Advantages of Homeownership, Home Equity, Grow Time September 2023

Advantages of Homeownership - Tax Benefits

Tax benefits_social (1)

Caption:
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 September 2023

Advantages of Homeownership - Pride of Homeownership

Pride of Homeownership_socia (1)

Caption:
Taking care of something pays off, and your home is no exception! When you maintain its upkeep, it'll stay beautiful and cozy for years to come. Plus, whether you plan to sell it soon or down the line, you'll have a much higher chance of getting top market value! Curious about the best ways to care for your home? Let's talk today, and I'll guide you through all the ins-and-outs of proper home care! #castlecookemortgage #homeloans #mortgages #homeownership #homeupkeep

Total Expert Tags: Advantages of Homeownership, Home Equity, Grow Time September 2023

Gen Z & Millennials Collateral

Gen Zs & Millennials - You Are The Future of Homeownership!

gen z and millenials_social (2)

Caption:
Even if you're not thinking about homeownership now - it could be a good idea to start prepping for it! Check out this link for some hacks on how to become a homeowner in the future: https://www.castlecookemortgage.com/genz-and-millennials I'm here to help when you're ready to make a move!

Total Expert Tags: Gen Z, Millennial, Grow Time September 2023

Gen Zs & Millennials - Homeownership Could Be In Your Cards!

homeownership could be in your cards_social (2)

Caption:
If you think homeownership is just too out of reach - think again! At Castle & Cooke Mortgage, we have access to lots of First-Time Homebuyer Programs, Down Payment Assistance products, and much more to help you own a home of your very own. Contact me today for more information!

Total Expert Tags: Gen Z, Millennial, Grow Time September 2023

Gen Zs & Millennials - Young Adult Home Owners

gen z flyer gt

Total Expert Tags: Gen Z, Millennial, Grow Time September 2023

Gen Zs & Millennials - Client Email

gen z email gt

Total Expert Tags: Gen Z, Millennial, Grow Time September 2023

Home Equity Collateral

Utilize Your Home's Equity

Utilize your homes equity_social (2)

Caption:
A Home Equity Line of Credit (HELOC) can give you access to funds you need for whatever situation you're in - without affecting your home's current interest rate! Read more about HELOCs here: https://www.castlecookemortgage.com/benefits-of-a-heloc If you'd like to pursue this option, feel free to contact me at anytime!

Total Expert Tags: Home Equity, Loan Program, Grow Time September 2023

Utilize Your Home's Equity

utilize home equity flyer gt

Caption:
Getting pre-qualified is a must in today’s market. Selling too? Add your home to see its value, and how much cash you could put towards your next home. Click the link to get started! #castlecookemortgage #homeloan #mortgage #realestate #buyersmarket #sellersmarket #homebot #prequalified

Total Expert Tags: Home Equity, Loan Program, Grow Time September 2023

Utilize Your Home's Equity - Client Email

utilize equity email gt

Total Expert Tags: Home Equity, Loan Program, Grow Time September 2023

SimpliFi Collateral

SimpliFi - No Deadline #1

simplifi-still going strong-01

Caption:
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

simplifi-still going strong-02

Caption:
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

introducing simplifi (3) (1)

Caption:
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

simplifi your life (1) (1)

Caption:
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

simplifi

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

Flyer - SimpliFi - First Time Home Buyer

simplifi fthb

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

SimpliFi - Agents Email

simplifi agent email preview

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

SimpliFi - Clients Email

simplifi client email preview

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

Video Archive

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

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!

Instagram posting instructions

FINALLY! Total Expert has integrated Instagram! Please refer to this Total Expert Guide to convert your Instagram to a business account and how to connect it to Total Expert.

Instagram Carousel Instructions:

  • First, save the images to your chosen device that you want to post on Instagram for the carousel.
  • Click the button within Instagram, then select the Post option from the list.
  • Once you've selected Post, images from your device will appear for selection. Directly above your images, press the select multiple icon next to the camera icon.
  • You can select up to 10 images for your carousel. Select Next to continue once you've chosen your images.
  • You'll be given optional editing and filtering options. Select Next again to continue to the next step.
  • Add your caption and hashtags.
  • After the above steps are completed, tap the Share button and you're done!

For additional assistance or to ensure your Instagram account is fully compliant, please reach out to marketing. Happy posting (and please follow us—we promise to follow back)!
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!

Davis County Homeowners Collateral

Davis County Homeowners - Receive Up To $50k in Down Payment Assistance

Davis county homeownership_social2 (3)

Caption:
Unlock the door to homeownership! With Davis County's brand new homeownership assistance program, owning a home of your own could be in your near future! Contact me today to learn more.

Total Expert Tags: Utah Content, First Time Home Buyer, Grow Time October 2023

Davis County Homeowners - Become a Homeowner

Davis county homeownership_social (3)

Caption:
Did you know that Davis County is offering qualified families & individuals up to $50,000 in homeownership assistance?! This will make homeownership possible for many - contact me today to learn more!

Total Expert Tags: Utah Content, First Time Home Buyer, Grow Time October 2023

Davis County Homeownership

davis county flyer updated gt

Total Expert Tags: Utah Content, First Time Home Buyer, Grow Time October 2023

Davis County Homeowners Postcard

davis county postcard gt

Total Expert Tags: Utah Content, First Time Home Buyer, Grow Time October 2023

Davis County Homeownership Assistance - Client Email

davis client email updated gt

Total Expert Tags: Utah Content, First Time Home Buyer, Grow Time October 2023

Davis County Homeownership Assistance - Agent Email

Davis agent email updated gt

Total Expert Tags: Utah Content, First Time Home Buyer, Grow Time October 2023