Grow Time
October 2023
Quick Links
Total Expert - Street Level Strategies | Open House Kits
Bond Program Lender Credit Collateral | New Postcards
New Closed End Second Collateral | New ARM Content | New USDA Flyer
Refreshed Content | Friday Fun Facts Social Posts
Suggested Social Calendar | Holiday Social Posts | In Case You Missed It
Systems Training | Marketing Mastermind Trainings | Homebot Trainings | Swell Trainings
Video Archive | Branding, Video, Homebot Video, & Instagram Instructions
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

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

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

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

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

Total Expert Tags: Bond Program, Lender Credit, Postcards, Grow Time October 2023
Bond Program Lender Credit - Use Your State's Down Payment Assistance Program

Total Expert Tags: Bond Program, Lender Credit, Grow Time October 2023
Bond Program Lender Credit - Version 1

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

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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: Bond Program, Lender Credit, Grow Time October 2023
Bond Program Lender Credit - Client Email

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

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

Total Expert Tags: Cobranded, Listing EDDM, Postcards, Grow Time October 2023
Listing EDDM - 02

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

Total Expert Tags: SimpliFi, Refinance, Postcards, Grow Time October 2023
NewFi Gig Borrowers Postcard

Total Expert Tags: NewFi, Gig, Postcards, Grow Time October 2023
First Time Homebuyer - Kick Confusion to the Curb

Total Expert Tags: First Time Home Buyer, Postcards, Grow Time October 2023
New Closed End Second Collateral
Closed End Second - High Interest Debt Postcard

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

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

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

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

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

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

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?

Total Expert Tags: ARM, Refinance, Grow Time October 2023
Refinance - Is Your ARM Coming To An End?

Total Expert Tags: ARM, Refinance, Postcards, Grow Time October 2023
New USDA Flyer
USDA Loans - Detailed Version

Total Expert Tags: USDA, Down Payment Assistance, Grow Time October 2023
Refreshed Content
Home Equity - Tap That Equity!

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?

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?

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?

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?

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

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

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

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

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

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

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

No Caption
Total Expert Tags: Holiday, Just For Fun, Grow Time October 2023
Nov. 5: Daylight Savings

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?
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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

Total Expert Tags: Cash Out Refi, Debt Consolidation, Grow Time September 2023
Cash-Out Refi - Benefits (Short) - Client Email

Total Expert Tags: Cash Out Refi, Debt Consolidation, Grow Time September 2023
Instagram Carousel: Cash-Out Refi - Current U.S. Debt

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

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

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

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
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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
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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
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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
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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!
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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!
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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

Total Expert Tags: Gen Z, Millennial, Grow Time September 2023
Gen Zs & Millennials - Client Email

Total Expert Tags: Gen Z, Millennial, Grow Time September 2023
Home Equity Collateral
Utilize Your Home's Equity
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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

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

Total Expert Tags: Home Equity, Loan Program, Grow Time September 2023
SimpliFi Collateral
SimpliFi - No Deadline #1

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

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
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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
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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

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

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

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

Total Expert Tags: SimpliFi, Buy Now Refinance Later, Grow Time February 2023
Video - SimpliFi
Caption:
Don't let today's interest rates hold you back! Introducing SimpliFi - a simpler way to purchase a new home or refi yours today, and then if you refinance within the next three years, you won't pay any lender or administration fees. Check out the link to learn more about SimpliFi! https://www.castlecookemortgage.com/simplifi#Firstname_Lastname #castlecookemortgage #simplifi #simplifiyourlife #homeloans #refinance
Download the video here to post on social media: https://vimeo.com/800932045
Instructions on how to post a video and brand the landing page with your information can be found here. Do NOT forget to change the landing page URL!
Did you know you can share this video in Homebot? Click here to learn more
Marketing Mastermind and Homebot Trainings
Systems Training:
- Keys To Success - View training content for Total Expert, Homebot, CCM Mobile, and more!
Marketing Mastermind Trainings
- Using Grow Time as Your Monthly Marketing Plan
- Co-Branding CCM Mobile (SimpleNexus and Mobility RE)
- Mortgage Credit Inquiry Alerts
- Homebot's Buyer Module Training
Homebot Trainings
- July 2023 Homebot Training for Agents
- June 2023 Homebot Agent Showcase
- Homebot Back to Basics Training
- Homebot's Agent Co-Sponsorship Training
- Joe Massey's Homebot Book of Secrets
- Download materials to pitch Homebot to real estate agents
Swell Trainings
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!
- Market Correction: https://youtu.be/rZoyRGoV0e4
- Let Your Dog Go In His Own Yard: https://youtu.be/Wc0nTM6zclw
- 20% Down Myth: https://youtube.com/shorts/1rYnfoljeG0?feature=share
- CCM:Mobile (Shop and apply from anywhere): https://youtu.be/uScOHqF36c8
- Humble Your Home Loan: https://youtu.be/3sxCjYiryAQ
- You Can't Say That: https://youtu.be/CyseP6ati2g
- Mighty Mike: https://youtu.be/M_WbDgMh1h8
- Pro's and Cons: https://youtu.be/OdPgGQLtFd4
- Market Headlines: https://youtu.be/nGJIt_ZLl3U
- Less Competition: https://youtube.com/shorts/ml5ii8lKecw
- 100% Interest: https://youtube.com/shorts/uHMCAwywADI
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!
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
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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
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