Blog Ideas

Programs

• VA loans
  • What programs exists for Vets?
  • Disabled vets?
• Reno Loans
  • Remodel home loan <<these are good because they’re complicated and nobody wants them. Plus, people won’t rate shop as much. Plus, they lead to future refinances.
  • Client googled Freddie Mac Home Style – it’s not a crowded space.
• Investing << these are good because I’ve personally done so much of them>>
  • DSCR / No income docs needed MP
  • Hard Money
• Bond Programs – don’t want these
• USDA – these are okay loans      

Generic Topics

• First Timers
• Refi
  • When does it make sense to refinance a home loan?
  • HELOCs <<we do the figure HELOC which is easy and doesn’t require any work from us. Plus, I don’t think we need to be licensed in the state>>
• Credit Challenged
• Affordability
  • How much do I need to buy a home? (closing costs, down payment, etc.).
• What credit score do I need to get a mortgage?
• How much will my monthly mortgage payment be?
• Do lenders pull your credit for a mortgage?
• How long does it take to get a mortgage? PJ
• Will my monthly payment change?
• How much money do I need for a down payment?
• How much is my home worth?
• Do I need to work with a realtor to buy a home? MP
• Where to find a good realtor? MP
• How often do I pay my mortgage?
• What paperwork is needed to apply for a mortgage?
• When do I make my first mortgage payment? XX
• Does my monthly payment ever change? XX
• How can I get a lower rate?
• Should I buy a home? RC
• Can I get a mortgage with bad credit?
• What happens if I don’t get approved for a mortgage?
• Does it cost to apply for a mortgage?
• How much money should I save before buying a home? PJ
  • How much money do I need to put down on a house? RC
•  
• Can I buy a home if I have bad credit?
• Low down payment programs?
• First time home buyer programs?
• When does a refinance make sense? MP
  • when can you refinance your home
  • How soon after purchasing my house can I refinance it? RC PJ
• How much home can I afford? PJ RC
• What paperwork do you need to get a mortgage?
• Best mortgage companies in Texas
• Best mortgage companies to work with
• Will applying for a mortgage hurt my credit?
• What are interest rates right now?
• What is considered a good interest rate?
• When does it make sense to buy a home?
• Should I buy a home right now?
• What is my monthly payment for a new home?
• What are the benefits of having my spouse on my home loan?
• What does my credit score have to be to buy a home? RC PJ
• How will I know to refinance?
• What determines my credit score?
• Renting versus buying? MP
• Pre-qualified versus pre-approved?

Process / How To

• How do I apply for a mortgage?
• When do I need to apply for a mortgage?
• What are the requirements for a mortgage?
• How long does it take to get a mortgage?
• What does it mean to be pre-approved?

Cost of waiting – should I wait to buy when rates are lower?

• How to Stay Connected with your Real Estate Agents 
  • Demonstrate your knowledge and understanding of the mortgage world – from FHA loans to first time buyer loan programs.
  • Loop them in on your email marketing for industry and rate updates.
  • Build a genuine connection – connect on a monthly basis over the phone or for lunch to continue sharing updates with one another and strengthen each other as resources.
  • Ask to come to their open house events and show up at home closings
• How to Recruit Leads more Effectively
  • Spread your name – connect with local accountants, CPA’s, appraisers, real estate agents, and more to expand your network
  • Use testimonials from past clients as proof of prior success
  • Find out more about your clients – ask about family, kids, pets, etc.
  • Communicate effectively at all times with your leads
• Monthly goal setting
  • Sales pipeline goals
  • Revenue goals
  • Project goals
  • Team/branch goals

Client/General Blog Ideas

• Building Credit
  • https://www.myffam.com/building-credit.html
• Making the first payment after closing
  • Mortgage Recast Requirements
  •  ServiceMac allows Mortgage Recast for Conventional Fannie Mae (FNMA) and Freddie Mac (FHLMC) loans that meet the qualifications for a recast.
  • ServiceMac will verify that the borrower meets ALL the qualification requirements outlined in the recast criteria located in Homebase ( Recast Requirements – ServiceMac.pdf).If the borrower meets the eligibility requirements, ServiceMac will send a Mortgage Recast Modification Agreement and a new amortization schedule that includes the new payment information. There is a recast fee and minimum principal curtailment amount as part of the qualifying criteria.

Miscellaneous Blog Ideas

• PID
• Servicing Desk

Realtor Blog Ideas

• Becoming a First-time Homebuyer’s Best Friend
  • Have patience – spend plenty of time explaining the process [MP1] 
  • [MP2] 
  • [MP3] 
  • [MP4]  – Check in on your clients once the move in, provide recommendations in the area for electricians, roofers, contractors, etc. Continue an ongoing relationship for future business down the line
• Vamping up your Open House
  • [MP5] 
  • Plan the open house to fit buyer schedules[MP6]  – connecting with potential buyers beforehand to coordinate can maximize your overall turnout.
  • [MP7] 
  • [MP8]  – incentivize buyers to attend your open house with gift card giveaways to local restaurants, or a new kitchen appliance, cookbook, etc. for their new home.
  • Treat your open house like a happy hour – have your open house start at the end of a workday (5PM) and invite buyers to relax and enjoy their time looking at your newest home. Serve cocktails or a glass of wine to flip the open house into a social event.
  • [MP9] s – They can take this home with them to refer to when making their decisions. Include photos of the entire home and floorplan, sqaure footage, neighborhood statistics, home buying/mortgage terms, and most important, your contact information.
• Marketing Yourself and Your Properties
  • [MP10] 
  • Stay active on your social platforms by implementing a strategic posting schedule, promoting your properties, and interacting with your audience through polls and comments.
  • Keep an eye on the competition – take notes on things they do well and the mistakes to avoid.
  • Make it easy to contact you – add your contact info to your email signature[MP11] , social media bios, and at the end of each webpage on your site.
  • o   Have a killer business card – create eye catching business card to hand out at local events or leave at the front desk of businesses.[MP12] [MP13] [MP14] 
  • Go the extra mile to create a monthly newsletter [MP15] you audience can subscribe to, and stay updated on new listings, market updates, and more. Treat this as a nurturing campaign to keep your face in front of the clients.

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Do they have a flyer that explains the process? If not, we should have one for them.  [MP1]

Do they have a form/checklist that the buyer can fill out? Get one for them – send them a copy of the google form that they can make their own.  [MP2]

Why you shouldn’t refer out 3 lenders.  [MP3]

1. if the transaction goes bad, whether you picked the lender or not, the whole process sucks and everyone associated is guilty. 

2. if my doctor tells me I need surgery, I don’t want three surgeons names. I want them to say “this MFer is the best. You need him. He operated on George Bush.” You’re the pro that knows best, take control.

3. How do you want US to refer you? Do you want me giving out three names?

4. Personality matches are important. 

Do you have a written, annual marketing plan? What CRM?  [MP4]

Promote the house. Riley can help do FB retargeting. We can show them ListReports (i.e. custom pages).  [MP5]

Common scheduling mistake: cowboy game.  [MP6]

They can share/promote on their social before the event.  [MP7]

Yes!!!!!!!! Tablets.  [MP8]

Make people register (And get correct info).

Use the Amanda Hernandez flyers as examples.  [MP9]

This needs to be Riley doing her own evaluation of “top 5 mistakes when doing social media.”  [MP10]

“Your email signature sucks.”  [MP11]

RC to tell them what they need. They need a call to action (i.e. subscribe to newsletter, register for looking a properties.). 

Love this! Give me examples. SQ code to “process” to the “about me”.  [MP12]

The biz card isn’t just to give out info. You can write your info on a napkin and it achieves the same thing. OR I can look up your name online. A biz card needs to be a marketing asset!!!!!

Have seasonal biz cards. Early in the year you can have “how to lower your property taxes.”

QR code for “look up your home’s value”.   [MP13]

Put a santa hat on. Be you.  [MP14]

Nobody has a rolodex of cards; they’re going to throw it away. BUT you’ll be memorable.

Not a newsletter. Do a monthly video. Share EOS (Evidence of Success and/or Letter From the Heart).   [MP15]

# Common Reasons to Refinance a Mortgage

The Basics on Closing Disclosures for Homebuyers

# Things to Look for When Touring a Home for Sale

Are Mortgage Payments Tax Deductible?

These are to be used as a guide when writing these blogs.

• Investor worksheet –
• for long-term rental like Chi Le and Nick McCoy
• For hard money

• Reels 

• Inspo video (you’re seeing this for a reason)  
• 100% financing 

• Series  

• Paying off debt faster (what is the snowball method?) 
• Budget basics (3 parts) 
• Savings tips and tricks  
• Investing 101 
• How to get more referrals 

• Graphics 

• Buy vs. Rent  
• 5 ways to cut down on spending  

• 5 things to switch to cut cost 

• Eat at home vs eat out 
• At home workouts vs membership 

• How to qualify for a mortgage 
• Tips for first-time homebuyers 
• The difference between fixed and adjustable-rate mortgages 
• How to save for a down payment 
• How to choose the right mortgage lender 
• Understanding closing costs 
• How to improve your credit score to get a better mortgage rate 
• The role of a mortgage broker 
• How to refinance your mortgage 
• The benefits of a 15-year versus 30-year mortgage 
• How to pay off your mortgage faster 
• How to avoid foreclosure 
• The importance of home appraisals 
• How to negotiate your mortgage rate 
• The impact of interest rates on your mortgage 
• How to use a mortgage calculator to determine your monthly payments 
• How to prepare for a mortgage application 

• The difference between a conventional and FHA loan 
• The impact of PMI (private mortgage insurance) on your mortgage payments.  
• USDA loans  

Content Hooks: 

• Keep watching if… 
• Have you ever…? 
• This is for you if… 
• Attention! 
• Reminder  
• True or false 
• Stop scrolling 
• Did you know…? 
• You’re not going to like this 
• Let me tell you a story of 
• Surprise! 
• I bet you… 
• Listen up! 
• If only more people understood this  
• What ___ don’t tell you 

Content Clickbait Ideas: 

• Rent prices rise, fixed-rate mortgages don’t (product highlight) 
• Lock in your rate while building your dream home (product highlight) 
• Stop paying your landlord’s rent (rent vs. Buy) 
• 5 mortgage myths graphic 
• Paying Cash for home is a HUGE Mistake! 
• How buyers are locking in low rates 
• How to save $10K in 12 Months 
• What your real estate agent didn’t tell you! 
• Be a millionaire before you retire from the military. 
• You’re a single woman and want to buy a home….NOW WHAT? 
• Don’t Invest! Do this. 
• Top 3 Ways to Financial Freedom 
• The biggest lie of home buying 
• “3 reasons you NEED to invest in rentals if you’re in your 20’s”- From someone in their 20’s 
• Why do you live in the house you hate just because you love the rate? 
• “Secrets to Paying Off Your Mortgage Early: Find out the hacks that saved me thousands!” 
• “Home Buying Mistakes You Can’t Afford to Make: Avoid these pitfalls before signing your mortgage!” 
• “How I Scored a Low-Interest Mortgage Rate: Learn my negotiation strategies!” 
• “Is Renting or Buying Right for You? Discover the pros and cons of each option!” 

• “The Ultimate Guide to Mortgage Refinancing: Unlocking the potential of your home’s equity!” 
• “Home Equity Loans: What You Need to Know: Get the facts on tapping into your home’s value!” 
• “Avoid These Hidden Mortgage Fees: Save money with these lesser-known tips!” 
• “First-Time Homebuyer’s Checklist: Don’t miss these crucial steps in your journey!” 
• “The Future of Mortgages: Exploring innovative trends and technologies shaping the industry!” 
• “How to Improve Your Credit Score for a Better Mortgage: Simple steps to boost your financial health!”