Grow Time
September 2022
Quick Links
Help us help you | New HELoan Email | Marketing Mastermind Trainings | New Video: Swipe right on CCM
New Market Conditions Social Posts | Greatest Hits to Grow Your Business | Marketing Videos
Scheduled Social Posts | Tuesday Tidbits | Instagram Instructions | Webpage Branding Instructions
The Armory | Grow Time Archive | Watch This Space - Updated 9/20
Help us help you
You may have noticed by now how your marketing team has been churning out a ton of content this year to support your business. What you might not see is the behind the scenes action to make sure we get everything just right!
We rely on our loan officers to make sure everything is perfect before we package everything for Compliance. If you have any specific requests for loan programs or products, our team will be asking you to provide as much up front details, specifications, numbers, etc as possible. This will help with turn times and get you the content you want and need a lot quicker.
New HELoan Email
Earlier last week, the Christman Blog had the following to share: "HELOC [HELoan]. It’s the mortgage industry’s current buzzword. According to Black Knight, homeowners have almost $10 trillion in aggregate home equity. That’s a lot of home improvement projects on the horizon!"
We have a new HELoan email available here in the Forge.
Marketing Mastermind Trainings
September Marketing Mastermind: Marketing to Real Estate Agents, Part 2: (Integrating CCM Mobile, aka Simple Nexus, with Mobility RE)
August Marketing Mastermind: Marketing to Real Estate Agents, Part 1 (Finding agents in MMI, adding and updating agents in the Forge, creating listing collateral for agents)
July Marketing Mastermind: Forge Training #2 (Automation, subscriptions, workflows, contact management)
June Marketing Mastermind: Forge Training #1 (Social Media Integrations, using the Media Library)
Bonus Training: Using Grow Time as Your Monthly Marketing Plan
New Content
New Video
Caption:
Does it ever feel like finding the right mortgage lender can be a lot like dating? You have friends making recommendations, people coming up to you unsolicited, blind dates; all the while you're trying to sift through an endless sea of options trying to find a match that's just right. But with Castle & Cooke Mortgage, you know you're working with a lender you can trust. With over 15 years of experience, and over 78k families helped, we're a lender you'll want to swipe right on. #castlecookemortgage #homeloan #mortgage #realestate
Download the social media friendly version of this video here.
New Market Conditions Social Posts
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While interest rates fluctuate what seems to be daily, a record number of listed homes have dropped their prices, competition among offers has dwindled, and homes are staying on the market longer. All of these items could give you a leg up on the market to find a place to finally call home.
This post can be found in the Forge here.
Caption:
A recent dip in mortgage interest rates have given some homebuyers some newfound and long awaited confidence! With homes staying on the market longer, and even some popular housing markets seeing prices slashed, you might have a competitive advantage. You have more options than you might think.
This post can be found in the Forge here.
Caption:
Buyers faced years of stiff competition during the pandemic. With the latest shift in the market and a home price correction possibly on the horizon, homes are staying on the market longer. For you, that could mean less competition, potential seller concessions – you might even see home prices start to come down. The market could be turning in your favor, take advantage of the changing tide today. #castlecookemortgage #mortgage #homeloans #buyersmarket #realestate
This post can be found in the Forge here.
Caption:
A market slowdown does not mean a housing crash. Last year, the median sales price of a home was $395,000. This year, it's $379,089. That's a drop of 4.1%! That opens up more opportunities for homebuyers, who could face less competition, more inventory, and even the ability to ask for seller concessions. Contact me today to review your options and see why now could be a great time to make a move. #castlecookemortgage #homeloans #mortgage #realestate #buyersmarket #housingcorrection #homeprices
This post can be found in the Forge here.
Caption:
The overall housing supply rose 4% during July. Properties are sitting on the market longer, which means more options and less competition for buyers! Contact me today to explore why now could still be a great time to buy. #castlecookemortgage #homeloans #mortgage #realestate #buyersmarket #housingcorrection
This post can be found in the Forge here.
Greatest Hits to Grow Your Business
Check out some of these older posts from the past year that are still relevant and could step up your marketing game
Mortgage Meme: Kids leaving for college?
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#castlecookemortgage #homeloans #downsize #emptynesters #mortgagememes
You can find this post here in the Forge.
Scared of making a move this year?
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Don’t wait to buy a home—buy a home and wait! Call now to see if you could start building equity, no matter what the market is doing. #homeloans #castlecookemortgage #purchase #refinance #lowrates
You can find this post here in the Forge.
ARM Collateral
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True or false? Adjustable rate mortgage can sometimes be the best option. Want to learn more about ARMS? Click here: https://www.castlecookemortgage.com/arm-loans#First_Last #castlecookemortgage #homefinancing #adjustablerates
You can find this post here in the Forge.
Is it a Buyer's Market yet?
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While interest rates fluctuate what seems to be daily, a record number of listed homes have dropped their prices, competition among offers has dwindled, and homes are staying on the market longer. All of these items could give you a leg up on the market to find a place to finally call home.
You can find this post here in the Forge.
Seller concessions are back
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Seller's market? Buyer's market? Who knows anymore given how rates, inventory, and home prices just seem to be in a state of flux. What we can tell you though is buyers are seeing a little bit more of a competitive edge lately, including asking for seller concessions! Our 2/1 buydown program allows you to lock a fixed rate, with a lower first and second year payment, all covered by seller concessions. Click this link to learn more and take advantage of the changing market: https://www.castlecookemortgage.com/seller-concessions#First_Last #castlecookemortgage #mortgage #homeloan #sellerconcessions #buydown #buyersmarket
You can find this post here in the Forge.
Hidden Savings Account
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Home prices are at record highs, and that means options for families who already own. To find out how much cash you could access by tapping your equity, give me a call!
You can find this post here in the Forge.
Hidden Savings Account
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Are you sitting on a hidden savings account? Call me to find out. #castlecookemortgage #homeloans #homeequity #refinance
You can find this post here in the Forge.
You have options
Caption:
A recent dip in mortgage interest rates have given some homebuyers some newfound and long awaited confidence! With homes staying on the market longer, and even some popular housing markets seeing prices slashed, you might have a competitive advantage. You have more options than you might think.
You can find this post here in the Forge.
How much is your home worth?
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Do you know the value of your home? Call me to find out. #castlecookemortgage #homeloans #debtconsolidation #refi
You can find this post here in the Forge.
Yes we do HELOCs
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This is huge! We are now offering a new way to access the hidden cash in your home. Call or text about how a HELOC (home equity line of credit) could help you get fast cash without touching your low mortgage interest rate.
You can find this post here in the Forge.
Rootin Tootin Deals
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Why would you get a home loan from someone relying on gimmicks and empty promises? Here at Castle & Cooke Mortgage, relationships are at the center of what we do. We aim to create sustainable financial foundations through the benefits of homeownership, fulfill dreams and build successful tomorrows. We like to think our home loan experiences are refreshingly uncomplicated. #castlecookemortgage #homeloan #trust #mortgage #realestate
The social media-friendly version of this video is available for download here.
Rootin Tootin Deals
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While we like to have fun at Castle & Cooke Mortgage, we're still serious about how refreshingly uncomplicated our home loan experiences can be. Before you start applying for that too-good-to-believe rate you saw on a billboard, or talk to folks that think mortgages and missiles go hand in hand, give us a call first. Or better yet, click here: https://www.castlecookemortgage.com/rootin-tootin-deals#First_Last #castlecookemortgage #homeloan #trust #mortgage #realestate
You can find this post here in the Forge.
Don't Get Left Behind
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It’s true, we welcome self-employed borrowers! Whether you’re looking for your first home, your next home, your best home, or a refinance, we’re here to help with all your home loan needs. #castlecookemortgage #selfemployed #homeloan #entrepreneur
You can find this post here in the Forge.
Work with a lender you can trust
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Real estate agents need constant communication, innovative tech, the support of a direct lender (with 24-hour turn times), and access to a full suite of lending projects for their homeowners. Call now to see what I can do for you and your purchase clients!
You can find this post here in the Forge.
Homebot: gift of insight
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Exciting news for real estate agents! Castle & Cooke Mortgage has partnered with Homebot to provide monthly home equity insight to each of our borrowers, and we can now co-brand these reports with your information to share with your clients too! Contact me today to sign up #castlecookemortgage #homeloans #equity #realestate #heloc #cashout #homevalue
You can find this post here in the Forge.
Fannie Mae Rent Qualification
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If you're a first time homebuyer who's been renting for over a year, never missed a payment, and have a credit score of 620 or better, your rent payments can help you qualify for a home loan! #castlecookemortgage #rent #firsttimehomebuyer #mortgage
You can find this post here in the Forge.
Don't get tricked out of your money
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Beware of bad actors when you’re working to improve your credit score. To learn more about credit, visit our blog collection at https://www.castlecookemortgage.com/blog/tag/credit-score#First_Last #castlecookemortgage #fico #homeloans #creditrepair
You can find this post here in the Forge.
Credit Score Tips and Tricks
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Keeping your credit in good shape can help a lot when it's time to buy a home. These tips are a good place to start, but seek the help of a licensed credit counselor if you need extra help.
Then, when you're ready to explore financing options for a home, reach out to me! #castlecookemortgage #homeloans #FICO #credit
You can find this post here in the Forge.
Stop paying someone else's mortgage
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Stop paying your landlord's mortgage; a solid rent history can help you qualify for a home loan. Invest in your future today! Contact me to get started and to learn all of the details.
You can find this post here in the Forge.
Kick Confusion to the Curb
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Buying your first home can be intimidating, but our expert home loan team will make sure you're fully informed at every step. When you’re ready to see what you could afford, give me a call! #castlecookemortgage #homeloans #firsttimehomeowners #castlecookemortgage #homeloans #firsttimehomeowners
You can find this post here in the Forge.
Ready for a big upgrade?
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If the price of your dream home is more than the conforming loan limit, consider a jumbo loan. These loans allow you to borrow up to $2.5 million, accommodate buyers with imperfect credit histories, and give several down payment options. #castlecookemortgage #homeloans #jumboloan
You can find this post here in the Forge.
Interest rates throwback
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It's true—mortgage rates are rising pretty fast lately. But let's roll the clock back 40 years. "Ebony and Ivory" was topping the charts, movie theaters were showing previews for "ET the Extra Terrestrial," and rates were a whopping 16.93%! #castlecookemortgage #homeloans #interestrates #mortgagehumor #throwbackthursday
You can find this post here in the Forge.
Don't fall for these mortgage myths
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There's a lot of misinformation out there about mortgages, but don't fall for it! You may be qualified to get into a home, even if you've had past credit challenges. Learn more at https://www.castlecookemortgage.com/blog/debunking-credit-myths. Then, call me for details! Certain limitations apply. Not all who apply will qualify. #castlecookemortgage #homeloans #mortgagemyths #bankruptcy #firsttimehomeowner
You can find this post here in the Forge.
New Non-QM Collateral
Social Post & Flyer
Caption:
If you’ve had a bankruptcy, missed mortgage payments, or past debt problems, buying a home can seem impossible. But don’t lose hope! A new loan program from Castle & Cooke Mortgage could help. Contact me today so we can make a plan for your future. #castlecookemortgage #homeloans #badcredit #firsttimehomeowner
The social post is available here, and the flyer is available in the flyer gallery of the Forge.
Social Post & Email
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At Castle & Cooke Mortgage, we like to think of events like bankruptcy, missed mortgage payments, and past debts as financial injuries. Being credit-injured doesn't mean you can't get into a home, but you may need a little time to let your finances heal. To find out what your options are and what may be available—even if you've only had a year or two to recover–please reach out.
The social post is available here.
An email to send to your agent partners is available here.
Social Post, Email, & Flyer
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You don't always need proof of income to buy a home. If you have significant funds at your disposal but no regular paycheck, let's talk! Our asset qualification loans were created for borrowers just like you.
The social post is available here, and the flyer is available in the flyer gallery of the Forge.
An email to share with your agent partners is available here.
Social Post & Flyer
Caption:
If you live in the U.S. but don’t have a green card, work visa, or Social Security number, homeownership can feel out of reach. But with a new loan type from Castle & Cooke Mortgage, you may have options! Contact me today to find out if you qualify.
The social post is available here, and the flyer is available in the flyer gallery of the Forge.
Social Post & Flyer
Caption:
You go it alone in business, but you don’t need to go it alone for a home loan. If you’re self-employed, I can help you explore your mortgage options—no strings attached.
The social post is available here.
Social Post, Email, & Flyer
Social Post
Caption:
If you’re self-employed, you may have heard some of these misconceptions about home loans. To get the whole story and learn about options for your situation, give me a call!
The social post is available here.
Social Post & Flyer
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Entrepreneurship and the American Dream go hand in hand! When you’re ready to explore your home loan options, give me a call!
The social post is available here, and the flyer is available in the flyer gallery of the Forge.
Webpage
Marketing Videos
The Forge does not support video content, but you can post yourself in just a few clicks. Visit the video library in Sharepoint and download the video you choose. Then, use the approved captions below or write your own. You can post these on Instagram, Facebook, LinkedIn, or any other compliant social network of your choice. And we hope you do!
Click here to view our how-to training instructional video on how to download and share our video resources.
Scheduled Social Posts
Click on the image below to see the full schedule
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Sept. 11: Patriot Day
No Caption
For this to automatically post to your Facebook or LinkedIn page, subscribe to the Social Only subscription in the Forge.
To manually post this, click here or follow our Instagram instructions below.
Sept. 18: Wife Appreciation Day
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Happy wife, happy life! #castlecookemortgage #wife #family
For this to automatically post to your Facebook or LinkedIn page, subscribe to the Social Only subscription in the Forge.
To manually post this, click here or follow our Instagram instructions below.
Sept. 22: Fall Equinox
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Happy fall, y'all! #castlecookemortgage #autumn #fall #PSL #pumpkinspicelatte
For this to automatically post to your Facebook or LinkedIn page, subscribe to the Social Only subscription in the Forge.
To manually post this, click here or follow our Instagram instructions below.
October 4: Taco Day
Caption:
"Sit down. Have a taco." -Captain Cully, The Last Unicorn.
#castlecookemortgage #taco #tacostacostacostacos
For this to automatically post to your Facebook or LinkedIn page, subscribe to the Social Only subscription in the Forge.
To manually post this, click here or follow our Instagram instructions below.
Tuesday Tidbits
The Tuesday Tidbits subscription is live for all loan originators and their connected Facebook pages (unless you've specifically opted out), and it's a great way to cultivate your contacts and connect with them on a weekly basis. Here's what's your followers will see this month:
Sept. 13: Think carefully about contingencies
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Even though seller's markets are waning, you still need to think carefully about contingencies when you put in an offer on a home. Too many could hurt you, but leaving essential ones out could jeopardize your financial future. Talk to your real estate agent about what you're willing to let slide (and make sure they talk to us, too).
#castlecookemortgage #mortgage #homeloans #mortgagetips #firsttimehomebuyer
Sept. 20: Try to reduce your down payment
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Some areas of the country are still a hot market, and that means you might need to pay sellers more than the list price on a home to win a bidding war. Talk with your loan officer about the possibility of reducing your down payment so you have a little cash left over, just in case.
#castlecookemortgage #mortgage #homeloans #mortgagetips #firsttimehomebuyer #downpayment
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Traditional inspection contingencies can make sellers worry they'll need to renegotiate pricing down the road. Stay on their good side (and keep yourself safe) using a pass/fail contingency instead. Your real estate agent can explain the details.
#castlecookemortgage #mortgage #homeloans #mortgagetips #firsttimehomebuyer #homeinspection
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Give yourself an edge in the market by choosing a loan officer who knows your local area, knows specialized state programs, and knows how to win!
#castlecookemortgage #mortgage #homeloans #mortgagetips #firsttimehomebuyer #shoplocal
Instagram posting instructions
Instagram is popular for loan originators company-wide, and we encourage you to use all the above assets on your own profile! Here's how:
- Right click on the image you want to use
- A menu will appear. Click Save Image as ...
- A new dialog box will pop up. Choose the filename and folder you prefer
- Open instagram.com in a browser and click the
button - Choose your photo and click Next in the top right corner of the dialog box, following instructions along the way
Note: You can find approved caption copy in the Forge (or next to each post above), or can write your own. We highly recommend using the following hashtags, and others as you see fit:
- #castlecookemortgage
- #homeloans
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 Tim Lewis were to link to the landing page below, his URL would be https://www.castlecookemortgage.com/customer-testimonial-lucia-home-loan#Tim_Lewis.
Sweet SWAG for your crew
The Armory is your one-stop shop for branded Castle & Cooke Mortgage gear. Swag is a great way to share the love at events and stay top of mind in your community. These items also make for great team prizes!
Check out some of our ready-to-ship items here, and feel free to browse the full catalog!
Grow Time Archive
Watch this space
Your Marketing team is hard at work creating new videos, flyers, social posts, email campaigns, and more. When we have something new for the field, we'll update this section. Check back often!
New HELOC HELoan Collateral
Flyer: HELOC/HELoan Specifications
This flyer is available in the flyer gallery of the Forge.
New Homebot Training
Our in-house marketing master Scott has provided a new training video for Homebot! Click here to view.
New Conventional Conforming Loan Limit Increase Collateral
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We're raising our loan limit for conforming loans to $715,000, with some high-cost areas seeing an increase to over $1 million! Find out more at https://www.castlecookemortgage.com/new-conforming-loan-limits#First_Last or contact me for more information.
This social post is available in the Forge here.
Caption:
We're raising our loan limit for conforming loans to $715,000, with some high-cost areas seeing an increase to over $1 million! Find out more at https://www.castlecookemortgage.com/new-conforming-loan-limits#First_Last or contact me for more information.
This social post is available in the Forge here.
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New Market Conditions Social Post
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During the pandemic, everyone saw home prices skyrocket. However, recent reports show that home prices have only appreciated by an average of 0.3% per month for the last three months, which is lower than the pre-pandemic appreciation levels at 0.5% per month. "The month-over-month decline can suggest further deceleration on the horizon" states Selma Hepp, interim lead in CoreLogic’s office of the chief economist.
All technical terms aside, this could mean stabilization in current home prices; which is great news for anyone who is looking to purchase a home in the future. Contact me today for more information!
This social post is available in the Forge here.