Grow Time
October 2025
October 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.
- Don't Let Credit Card Debt Haunt You: This email will be sent to all of your clients in Total Expert who funded more than 7 months ago. Click here for a sample.
- Send Date: Thursday, October 9
- Opt-Out By: Monday, October 6
- Don't Let Pre-Qualification Be the Scariest Part: This email will be sent to all of your agents in Total Expert. Click here for a sample.
- Send Date: Tuesday, October 14
- Opt-Out By: Monday, October 6
- Scared of Buying a Home? Let's Face the Monsters Together: This email will be sent to all contacts currently in Lead or Lead (Prospect) status. Click here for a sample.
- Send Date: Wednesday, October 22
- Opt-Out By: Monday, October 6
- Afraid of Marketing? We've Got the Garlic: This email will be sent to all of your agents in Total Expert. Click here for a sample.
- Send Date: Tuesday, October 28
- Opt-Out By: Monday, October 6
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!
Click here for a recording from our training last month!
We will begin pairing texts with automations in November and December 2025!
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.
October Social Strategies
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 OCTOBER 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
Suggested Social Calendar
.png?width=1000&height=1279&name=_October%20growtime%20(2).png "_October growtime (2)")
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: October 1
High Rates Don't Have To Haunt You
Caption:
Feeling haunted by today’s interest rates? Don’t run screaming just yet, many sellers are offering buydowns to help lower your rate for the first few years. Let’s talk about how to keep your monthly payment less frightening. Click the link below to get pre-qualified today!
Total Expert Tags: Interest Rates, Buydown, Grow Time October 2025
Post Date: October 2
Waiting For Rates To Drop
Caption:
Here's a scary thought: Some buyers are waiting…and waiting…hoping for rates to drop. The truth? Home prices and rents keep rising, and waiting could cost you more. Don’t become a skeleton on the sidelines. Get pre-qualified today so you can start shopping.
Total Expert Tags: Interest Rates, Purchase, Grow Time October 2025
Post Date: October 3
Your Home's Equity Isn't a Monster Under the Bed
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Home equity can feel mysterious but could be your financial superpower. Use your home's potential equity to pay off scary high-interest debt, renovate, or even invest in your next home. Contact me to receive (or review) your FREE home equity report today!
Total Expert Tags: Home Equity, Grow Time October 2025
Post Date: October 4
Don’t Let Credit Card Debt Give You Nightmares
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Eek! Total credit card debt in the country has exceeded $1 TRILLION, with an average APR of more than 22%! That's downright frightening. If bills are the things that go bump in the night, your home's potential equity might help you slash those interest rates and save on bills each month. Let's go over your options, including reviewing your FREE home equity report. Click below to get started.
Total Expert Tags: Home Equity, Debt Consolidation, Grow Time October 2025
Post Date: October 5
The Real Monsters? Rent Hikes!
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Rent is still rising nationwide, causing a lot of nightmares for renters. Owning your own home means locking in your monthly payment - with no surprises lurking around the corner.* Click the link below to get pre-qualified today.
Total Expert Tags: Buy vs Rent, Grow Time October 2025
Post Date: October 6
Bury These Zombie Mortgage Myths
Caption:
Like a once-popular TV show that starts with a W, these zombie mortgage myths don't know when to quit...
Myth: You need 20% down
Myth: You must have perfect credit
Myth: Rates will magically drop soon
Let's double-tap these myths once and for all. Click the link below to get started.
Total Expert Tags: Education, Purchase, Grow Time October 2025
Post Date: October 7
Witch’s Spell: Seller Buydowns
Caption:
You don't need eye of newt to cast this spell on your interest rate. Seller-paid buydowns could help ease your monthly payment by lowering your interest rate. Visit my page to ask me how to help make your home financing cauldron bubble.
Total Expert Tags: Buydown, Seller Concessions, Grow Time October 2025
Post Date: October 8
On the Hunt for a Haunted Dream Home?
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House hunting doesn’t have to be a horror story. Use this free property search tool to explore homes in your area. No pop-ups, paywalls, or paranormal activity. Find the one that makes your heart race (in a good way) and let us help with financing.
Total Expert Tags: Purchase, Homeownership, Grow Time October 2025
Post Date: October 9
The Phantom Costs of Waiting to Buy
Caption:
Every month you wait runs the risks of home prices and interest rates increasing. Even small increases can add up over time. Don't let those phantom costs haunt your budget. Click the link below to run the numbers with my monthly payment calculator and see for yourself what the terrifying costs of waiting could be
Total Expert Tags: First Time Home Buyer, Buy vs Rent, Grow Time October 2025
Post Date: October 10
Is This Your Landlord?
Caption:
Tired of your rent draining your wallet every month? A mortgage could keep your payments steady and help you build wealth over time. Stop renting and start investing in your own home. Check out my rent vs buy calculator at the link below
Total Expert Tags: Homeownership, First Time Home Buyer, Grow Time October 2025
Post Date: October 11
Ready to Ghost Your Landlord?
Caption:
October’s the perfect month to break up with renting. Stop paying your landlord’s mortgage and start investing in your own future. Click the link below to get pre-qualified today. I promise it's not scary.
Total Expert Tags: First Time Home Buyer, Buy vs Rent, Grow Time October 2025
Post Date: October 12
Your Credit Score Doesn't Have to Be Spooky
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Don't fear the reaper? More like don't fear your FICO! You don’t need a perfect score to buy a home. FHA loans, VA loans, and other options exist for many credit situations. Let’s see where you stand! Get pre-qualified today - click the link to get started
Total Expert Tags: Credit Score, FICO, Grow Time October 2025
Post Date: October 13
Indigenous People's Day
.png?width=300&height=375&name=indigenous%20peoples%20day%20(1).png "indigenous peoples day (1)")
Caption:
Indigenous Peoples’ Day isn’t just symbolic, it’s a call to transform our awareness into allyship, uplift Indigenous knowledge, and support the sovereignty, communities, and resilience of Native Nations. Today we celebrate with intention, not erasure, for those who have always been here.
Total Expert Tags: Holiday, Grow Time October 2025
Post Date: October 14
Don't Create a Franken-Budget
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Buying a home shouldn’t drain your finances like Frankenstein’s monster. Let’s talk budget, programs, and payments you can truly afford. Check out my affordability calculator below and contact me to get pre-qualified
Total Expert Tags: Loan Programs, First Time Home Buyer, Grow Time October 2025
Post Date: October 15
Don't Let Your Home Shopping Send You Screaming
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Not sure where to start your home search? We’ve got tools that make it less trick and more treat. Whether you’re browsing from your phone or laptop, your dream home might be just a click away. No creepy surprises when you finance through me! Click the link below to find the perfect home to haunt.
Total Expert Tags: Purchase, Mortgage, Grow Time October 2025
Post Date: October 16
Find Your Home Sweet Haunted Home
.jpg?width=300&height=375&name=home%20sweet%20haunted%20home%20(1).jpg "home sweet haunted home (1)")
Caption:
Does your heart belong to cooler days, crispy leaves, and spooky vibes? If you're in the mood for your own haunted house, we have a number of fixer-upper loans available, all designed to help you find the home of your dreams and of everyone else's nightmares. Click the link below to explore your options.
Total Expert Tags: Homeownership, Purchase, Grow Time October 2025
Post Date: October 17
Don't Be Scared of Getting Pre-Qualified
.jpg?width=300&height=375&name=dont%20be%20scared%20of%20getting%20prequalified%20(2).jpg "dont be scared of getting prequalified (2)")
Caption:
A pre-qualification helps you shop confidently, shows sellers you’re serious, and protects you from haunted surprises later. Let’s get you started! Click the link below!
Total Expert Tags: Pre-Qualified, Purchase, Grow Time October 2025
Post Date: October 18
Zombie Rates Might Linger, But You Have Options
Caption:
Interest rates lately are a lot like zombies. They keep rising. And they come in waves. But here's the deal - even if rates stay higher for longer, you can buy now and refinance later. Our SimpliFi program can make it even less scary - because when you do refi after rates come down, we'll waive our lender fees. Don’t let zombie rates freeze you out of homeownership. Click the link below to learn more.
Total Expert Tags: SimpliFi, Interest Rates, Grow Time October 2025
Post Date: October 19
Defeat the Housing Boogeyman with House Hacking
.png?width=300&height=375&name=house%20hacking%20(1).png "house hacking (1)")
Caption:
Every horror movie enthusiast knows you don't go into a scary situation alone. Bring your squad in as backup - whether it's family or friends, house hacking could slash your costs and help you build wealth faster. When you and your fellow ghost hunters are ready to get pre-qualified, visit my webpage below or contact me if you have any questions.
Total Expert Tags: Purchase, Wealth, Grow Time October 2025
Post Date: October 20
Building a Home Doesn't Have to Be Scary
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Why haunt old houses when you can build your dream home? A One-Time Close Construction Loan lets you lock your rate, skip re-qualifying later, and keep scary down payment costs low. FHA, VA, and USDA options available. Click to get pre-qualified today! #constructionloan #newbuild #mortgage
Total Expert Tags: One Time Close, Construction Loan, Grow Time October 2025
Post Date: October 21
Haunted By Past Offers?
.png?width=300&height=375&name=haunted%20by%20past%20offers%20(1).png "haunted by past offers (1)")
Caption:
Lost out before? Don't let it haunt you. Competition has cooled in many markets. So instead of laying awake at night afraid of losing out due to a higher offer, now could be the perfect time to try again. BUT make sure you get pre-qualified first, so you have a number to shop with and can submit a solid offer to keep those spirits at bay. Click below to get started
Total Expert Tags: Purchase, Pre-Qualified, Grow Time October 2025
Post Date: October 22
High Rates Don't Have to Haunt You
.jpg?width=300&height=375&name=no%20tricks%20just%20treats%20(1).jpg "no tricks just treats (1)")
Caption:
Feeling haunted by today’s interest rates? Don’t run screaming just yet, many sellers are offering buydowns to help lower your rate for the first few years. Let’s talk about how to keep your monthly payment less frightening. Click the link below to get pre-qualified today!
Total Expert Tags: Interest Rates, Purchase, Grow Time October 2025
Post Date: October 23
Exorcise High-Interest Debt With Your Home Equity
.png?width=300&height=375&name=exorcise%20debt%20(1).png "exorcise debt (1)")
Caption:
Do you have debt that's haunting you? Your home's potential equity could help! The power of equity compels you! Click the link below to see how much your home could be worth
Total Expert Tags: Home Equity, Debt Consolidation, Grow Time October 2025
Post Date: October 24
Don't Let Down Payment Bewitch You
.jpg?width=300&height=375&name=bewitch%20down%20payment%20(1).jpg "bewitch down payment (1)")
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Low down payment loans and grant programs can get you home sooner than you think. Let’s banish down payment fears! Click the link below to learn and explore your options.
Total Expert Tags: Down Payment Assistance, Purchase, Grow Time October 2025
Post Date: October 25
The Cost of Waiting Can Be Scarier Than You Think
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The housing market can be scary in terms of volatility. Consider this: Someone buying a $400,000 home in late June 2022 with rates around 5.78% vs late October 2022 when they peaked at 7.08%. That's a difference of more than $270 in a monthly payment! Now that's scary. We've seen a lot offluctuations in interest rates since then. The bottom line? Timing the market requires a serious potion that no economist has. The best time to buy is when you're ready. Click the link below to get pre-qualified
Total Expert Tags: Purchase, First Time Home Buyer, Grow Time October 2025
Post Date: October 26
Lock in Your Payment Before the Market Goes Boo
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Home prices and interest rates can shift quickly. Locking in your home purchase now could save you from surprising frights later. Click the link below to get pre-qualified today!
Total Expert Tags: Purchase, Pre-Qualified, Grow Time October 2025
Post Date: October 27
Avoid a House-Hunting Horror Story
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Don’t let the perfect home disappear into the night! The best homes don’t stick around forever. Beat the monsters to it with a fast, easy property search tool that shows what’s available in real time. No spooky delays. No ancient listings. Just homes you can actually buy. Click below to search homes now before they vanish and contact me to get pre-qualified.
Total Expert Tags: Homebot, Purchase, Grow Time October 2025
Post Date: October 28
Shop For Homes Any Time - Even the Witching Hour
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Whether you're an early bird or a midnight doom scroller, my home search tool is always open. You can explore neighborhoods, compare prices, and get one step closer to your not-so-haunted dream home, all at your fingertips. Your spellbinding search begins at the link below
Total Expert Tags: Homebot, Purchase, Grow Time October 2025
Post Date: October 29
Keep Bats Out of Your Budget
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Random costs can fly into your budget like bats in the attic. Create a plan so you’re prepared for everything homeownership brings. Click the link below to use my affordability calculator and get pre-qualified
Total Expert Tags: Purchase, Goals, Grow Time October 2025
Post Date: October 30
Closing Costs Don't Have to Give You Goosebumps
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Closing costs can be like a ghost story. Spooky, mysterious, scary, mythical, and leaving you afraid to go to sleep. It's easy to misunderstand and overestimate closing costs. So let's bust some myths and make sure you're prepared. No tricks - only transparency. Click my link below and let's get started.
Total Expert Tags: Purchase, Education, Grow Time October 2025
Post Date: October 31
Treat Yourself to a Home This Halloween
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No tricks, we promise. This Halloween, treat yourself to something sweeter than candy: a new home. Let's make your homeownership dream come true, without any spooky surprises (unless you want a haunted house). Click the link below to get pre-qualified today.
Total Expert Tags: Halloween, Purchase, Grow Time October 2025
Post Date: November 1
VA Loans - November is for Veterans
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This entire month is dedicated to those who served. Throughout November, I'll be highlighting everything you need to know about VA Home Loans - from who qualifies to how this powerful benefit can help make homeownership more affordable. Whether you're a veteran, active-duty, or even a qualifying surviving spouse, this month is for you. Click or tap the link below to learn more. https://www.castlecookemortgage.com/va-loans
Total Expert Tags: VA, Veteran, Grow Time October 2025
Post Date: November 2
VA Loans - Who's Eligible
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VA Home Loans are available to veterans, active-duty service members, certain reservists, and some surviving spouses. Eligibility is wider than many people think. With as little as no down payment, no mortgage insurance, and competitive rates, it's a great benefit of service and our way to say thank you. For more details on VA Home Loans, click or tap the link below to learn more.
Total Expert Tags: VA, Veteran, Grow Time October 2025
Post Date: November 3
VA Loans - Zero Down Payment
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One of the biggest benefits of a VA Loan? As little as no down payment required for qualified buyers. That can mean moving into a home without waiting years to save tens of thousands. If you're a veteran or active-duty service member (or know someone who is), tap my link below to get pre-qualified.
Total Expert Tags: VA, Veteran, Grow Time October 2025
Post Date: November 4
VA Loans - Skip PMI
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Mortgage Insurance is an unwelcome surprise. Something tacked on to a home loan because you couldn't put 20% down. Unlike most other loans however, VA Home Loans don't require mortgage insurance, even with zero down payment! Which helps veterans, active-duty, and qualified surviving spouses get more home for their money. Contact me today to learn more!
Total Expert Tags: VA, Veteran, 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!
2026 Conforming Loan Limit Increase Collateral
2026 Conforming Loan Limit Increase
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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
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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
Weekly Rate Update
Weekly rate update posts will appear here every Thursday morning...stay tuned!
Weekly Rate Update - 10.30.25
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Mortgage rates decreased for the fourth consecutive week. The last few months have brought lower rates and homebuyers are increasingly entering the market.
Total Expert Tags: Freddie Mac Weekly Rate Update, Grow Time October 2025
Weekly Rate Update - 10.30.25
Total Expert Tags: Freddie Mac Weekly Rate Update, Grow Time October 2025
Weekly Rate Update - 10.30.25
Total Expert Tags: Freddie Mac Weekly Rate Update, Grow Time October 2025