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Keep up with all things Intercap >>>

June 2025

Welcome to June 2025’s marketing newsletter! We’re excited to share the latest updates, highlights, and insights to keep you informed and inspired as we head into another productive month.

Table of Contents

  • June Campaigns
    • Remove MI
    • Why That Billboard Rate Probably Isn’t Yours
  • Total Expert Updates
  • Homebot Updates
  • Training
  • June 2025 Social Media

June Campaigns

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 current look at our journeys, click here.

Remove MI: 

This email will be sent to all contacts in Total Expert that fit the following criteria:

  • LTV is greater than or equal to 80%
  • Close date was before 3/23
  • Loan type is fixed conventional (not DPA or affordable)

The goal is to create conversations with past clients. You can assist them in removing their MI, discuss potential mortgage opportunities and check in on any referrals. Click here for a sample.

Send Date: June 10th

Opt-Out Date: June 6th

MI removal options are subject to loan type, current LTV, and investor guidelines. Not all borrowers will qualify.

Why That Billboard Rate Probably Isn’t Yours: 

This email will be sent to all contacts still in LEAD STATUS in Total Expert and includes a link to a landing page to help clients understand more about mortgage rates. Click here for a sample and here for the landing page.

Send Date: June 28th

Opt-Out Date: June 6th

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Total Expert Updates

On your main CONTACTS screen, you will find a new tab – CI Alerts 🔥

This new tab will show you all of your Customer Intelligence alerts within the last 7 days. From there, you can sort by Credit Alert, Listing Alert, Rate Alert or Equity Alert.

Save the date for a special training with Total Expert on Tuesday, June 24th 11 am pacific/12 pm mountain. Click here for details.

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Homebot Updates

Big Things Are Coming from Homebot

Mark your calendar for June 10—Homebot joins our sales call to share exciting platform updates, ROI metrics, and how to turn borrower activity into action.

Want to go deeper? We’ll be hosting hands-on workshops later this month to show you the daily moves that lead to more apps and stronger referral connections.

This is your chance to get more from Homebot—don’t miss it.

Reminder: We’ve Switched from MMI to Homebot Partner Intelligence!

We’re excited to announce that we’ve officially transitioned from MMI to Homebot’s Partner Intelligence—a powerful upgrade for anyone focused on building and deepening referral partner relationships.

This tool gives you actionable insights into agent behavior, engagement trends, and opportunities to connect in a more meaningful way.

If you’re serious about growing your network and staying top of mind with real estate partners, this is a must-use resource.

Need help getting started? Join one of our Thursday trainings in June or submit a Marketing Request here for a quick walkthrough.

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Training

We are excited to present to you our new Corporate Calendar.  This will have details on events and trainings.  Going forward, we will be linking the calendar in this section.

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June 2025 Social Media Posts

Suggested Calendar

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Post Date: June 2nd

Platforms: FB, IG, LI, GBP

Carousel Post

Caption:

Think you need 20% down or a dual income to buy a home? Think again .
📉 Median down payment? Just 8%.
💃 Nearly 1 in 5 buyers? Single women.
📆 Average stay in a home? 13+ years.
Homeownership is more accessible, more diverse, and more strategic than most people realize. Let’s help more people see the bigger picture.
#homeownershipmonth #IntercapLending {%Location Hashtags}

Post Date: June 4th

Platforms: FB, IG, LI, GBP

Single Image Post

Caption:

A loan built for investors.

FLEX Loans by Intercap Lending offer a DSCR Cash Flow Program—no income verification required.
✔ Based on rental income, not employment
✔ Collateral-based business purpose loan
✔ Perfect for portfolio growth
Let your properties qualify themselves.
#NonQM #IntercapLending {%Location Hashtags}

Post Date: June 6th

Platforms: IG

Single Image Post

Caption:

3 Ways to Take Control of Your Finances Today!

1️⃣ Create a Budget & Stick to It – Track your income and expenses to stay on top of your financial goals.
2️⃣ Reduce High-Interest Debt – Pay down credit cards and loans to improve cash flow and financial stability.
3️⃣ Build an Emergency Fund – Having savings set aside protects you from unexpected expenses and financial stress.
💡 Small steps today can lead to big financial wins in the future! Ready to plan for homeownership? Let’s talk!
📞 Call or DM me to start your journey! {%Short Phone}
#FinancialFreedom #MoneyMatters #WealthBuilding #SmartMoneyMoves #IntercapLending {%Location Hashtags}

Post Date: June 6th

Platforms: FB, LI, GBP

Single Image Post

Caption:

Making One Extra Mortgage Payment Can Save You Thousands! 🏡

Did you know that making just one extra mortgage payment per year can help you:
✔️ Pay off your loan years earlier
✔️ Save thousands in interest over time
✔️ Build home equity faster
💡 Even small additional payments—like splitting your monthly mortgage into biweekly payments—can make a big difference!
📞 Want to see how extra payments could impact your mortgage? DM me for a personalized breakdown!
#MortgageTips #WealthBuilding #FinancialFreedom #HomeOwnership #IntercapLending {%Location Hashtags}
All mortgage products are subject to credit and property approval. Rate, terms, and conditions are subject to change, and not all products are available in all areas. Additional qualifications apply. This is not an offer or commitment to lend. Consult a financial advisor to determine the best strategy for your financial goals.

Post Date: June 9th

Platforms: FB, IG, LI, GBP

Carousel Post

Caption:

You don’t need 20% down.

You need the right Loan Officer.
Too many buyers are waiting on outdated advice. With creative solutions and smart strategy, homeownership is closer than most people think.
Tag a buyer who needs to hear this👇
#homeownershipmonth #IntercapLending {%Location Hashtags}

Post Date: June 11th

Platforms: FB, LI, GBP

Single Image Post

Caption:

📈 Nearly 4 in 10 new homeowners are Latino! The Latino homebuyer market is booming, and it’s expected to keep growing.

committed to expanding Hispanic homeownership by providing education, resources, and tailored mortgage solutions that empower Latino families to build generational wealth through real estate.
💡 Thinking about buying? Let’s make your plan today!
#HispanicHomeownership #HomeBuyingTrends #LatinoBuyers #IntercapLending {%Location Hashtags}

Post Date: June 11th

Platforms: IG

Single Image Post

Caption:

5 Common VA Loan Myths – Debunked! 🏡

There’s a lot of misinformation about VA loans—let’s clear up the facts!
❌ Myth 1: VA loans can only be used once.
✅ Truth: VA loans can be used multiple times as long as eligibility requirements are met.
❌ Myth 2: VA loans take too long to close.
✅ Truth: VA loans often close just as fast as conventional loans with the right lender.
❌ Myth 3: VA loans are only for first-time buyers.
✅ Truth: Veterans and active-duty service members can use VA loans anytime to buy or refinance.
❌ Myth 4: VA loans require a perfect credit score.
✅ Truth: VA loans have flexible credit guidelines, making homeownership more accessible.
❌ Myth 5: VA loans can only be used for single-family homes.
✅ Truth: VA loans can be used for single-family homes, condos, multi-unit properties, and even some new construction.
💡 If you’re a veteran, don’t let these myths hold you back from homeownership! Let’s go over your VA loan benefits and see how you can use them.
📞 Call or DM me today!
#VALoan #VeteranHomeLoans #MilitaryHomeBuying #HomeBuyingMyths #IntercapLending {%Location Hashtags}

Post Date: June 13th

Platforms: FB, LI, GBP

Single Image Post

Caption:

Did you know that closing costs typically range from 2-5% of your home price?

These costs cover lender fees, title insurance, appraisals, and other necessary services to finalize your mortgage.
Understanding these costs upfront means no surprises on closing day! Let’s go over the details together and make sure you’re fully prepared.
📩 DM me, and let’s review your numbers!
#ClosingCosts #Mortgage101 #IntercapLending {%Location Hashtags}

Post Date: June 13th

Platforms: IG

Single Image Post

Caption:

Unlock Your Home’s Equity with a Cash-Out Refi! 🏡

A cash-out refinance allows you to tap into your home’s equity and use the funds for what matters most. Here’s how it can benefit you:
✔️ Lower Your Interest Rate – Replace high-interest debt with a lower-rate mortgage.
✔️ Consolidate Debt – Pay off credit cards, student loans, or medical bills.
✔️ Fund Home Improvements – Upgrade your home with renovations or repairs.
✔️ Invest in Your Future – Use equity for tuition, savings, or other financial goals.
✔️ Gain Financial Flexibility – Access cash while keeping one manageable mortgage payment.
💡 Wondering how much equity you can access? Let’s explore your options!
📞 Call or DM me today to get started!
#HomeEquity #CashOutRefi #FinancialFreedom #MortgageOptions #IntercapLending {%Location Hashtags}
All mortgage products are subject to credit and property approval. Rate, terms, and conditions are subject to change, and not all products are available in all areas. Additional qualifications apply. This is not an offer or commitment to lend. Consult with a financial advisor to determine the best strategy for your financial goals.

Post Date: June 16th

Platforms: FB, IG, LI, GBP

Carousel Post

Caption:

The house you wanted last year? It’s more expensive now.

Waiting rarely makes buying easier. Prices are up, competition is back, and rent isn’t building equity.
Let’s run the numbers — because the true cost of waiting might surprise you.
#homeownershipmonth #IntercapLending {%Location Hashtags}

Post Date: June 18th

Platforms: FB, LI, GBP

Carousel Post

Caption:

Your money mindset shapes how you approach major financial decisions, like buying a home. Are you confident and ready to take action, or cautious as you weigh your options? Maybe you feel secure in your financial plan or anxious about what’s next.

Kristen Messerli’s research in the 2024 NextGen Homebuyer Report highlights that many NextGen buyers face uncertainty, yet they are eager to make informed, confident decisions about their futures. Wherever you are on this spectrum, we’re here to provide the knowledge and support you need to turn your homeownership goals into reality.

Post Date: June 18th

Platforms: IG

Single Image Post

Caption:

💰 Take Control of Your Financial Future – Start Today!

Your financial future begins with the steps you take right now. Whether you’re working toward homeownership, improving your credit, or planning for long-term wealth, every action counts.
✔️ Set clear financial goals
✔️ Improve your credit and savings
✔️ Explore homeownership opportunities
💡 The best time to start is today! Let’s create a plan that puts you on the path to success.
📞 DM me to take the first step!
#FinancialFreedom #WealthBuilding #HomeOwnership #MoneyMatters #IntercapLending {%Location Hashtags}

Post Date: June 20th

Platforms: FB, LI, GBP

Single Image Post

Caption:

Mortgage Benefits to Know

✅ Gift funds allowed
✅ No mortgage insurance
✅ Flexible student loan consideration
✅ Low or no down payment options
With so many paths to take, you might have more home financing options than you think! Let’s go over your mortgage possibilities and build a plan that works for you.
📞 Reach out today, and let’s get started!
#MortgagePerks #HomeOwnership
#IntercapLending {%Location Hashtags}

Post Date: June 20th

Platforms: IG

Single Image Post

Caption:

FHA loans are for primary residences, but there are ways to turn your home into an investment!

Many buyers start with an FHA loan, live in the home for a while, and later convert it into a rental property. If you’re thinking long-term wealth building, I can help you strategize.
📞 Let’s talk about your real estate investment goals—call me today!
#RealEstateInvesting #FHALoan #IntercapLending {%Location Hashtags}

Post Date: June 23rd

Platforms: FB, IG, LI, GBP

Single Image Post

Caption:

Things are more expensive now—groceries, gas… and yes, homes.

But owning a home is one of the few ways to fight back. Why? Because when you buy a home with a fixed-rate mortgage, your monthly housing cost stays the same while rent, utilities, and everything else keeps going up.
That’s long-term financial stability. That’s protection against inflation.
Every month you own, you’re building equity instead of paying more for less.
#homeownershipmonth #IntercapLending {%Location Hashtags}

Post Date: June 25th

Platforms: FB, IG, LI, GBP

Single Image Post

Caption:

More funding options for self-employed borrowers 👏
If your income doesn’t fit inside a box, FLEX Loans by Intercap Lending give you room to move.
✅ Alternate income documentation
✅ Bank statements
✅ Asset utilization
Let’s make it work for you.
#NonQM #IntercapLending {%Location Hashtags}

Post Date: June 27th

Platforms: FB, IG. LI, GBP

Single Image Post

Caption:

With a FLEX Asset Utilization Loan, you can qualify based on your assets—not your income.
Think: retirees, entrepreneurs, investors, or anyone with strong reserves but non-traditional income.
It’s time to make your money work for you—literally. Let’s talk FLEX.
#NonQM #IntercapLending {%Location Hashtags}

Post Date: June 30th

Platforms: FB, LI, GBP

Single Image Post

Caption:

Unlock Your Home’s Equity with a Cash-Out Refi! 🏡

A cash-out refinance allows you to tap into your home’s equity and use the funds for what matters most. Here’s how it can benefit you:
✔️ Lower Your Interest Rate – Replace high-interest debt with a lower-rate mortgage.
✔️ Consolidate Debt – Pay off credit cards, student loans, or medical bills.
✔️ Fund Home Improvements – Upgrade your home with renovations or repairs.
✔️ Invest in Your Future – Use equity for tuition, savings, or other financial goals.
✔️ Gain Financial Flexibility – Access cash while keeping one manageable mortgage payment.
💡 Wondering how much equity you can access? Let’s explore your options!
📞 Call or DM me today to get started!
#HomeEquity #CashOutRefi #FinancialFreedom #MortgageOptions #IntercapLending {%Location Hashtags}
All mortgage products are subject to credit and property approval. Rate, terms, and conditions are subject to change, and not all products are available in all areas. Additional qualifications apply. This is not an offer or commitment to lend. Consult with a financial advisor to determine the best strategy for your financial goals.

Post Date: June 30th

Platforms: IG

Caption:

Unlock More Ways to Save on Your Mortgage!

🏡 Mortgage Benefits You Should Know:
✔️ Gift funds allowed – Get help with your down payment from approved sources
✔️ No mortgage insurance on select loans – Lower your monthly costs
✔️ Flexible student loan considerations – Qualify even with student debt
✔️ Low or no down payment options – Get into a home sooner
✔️ Temporary Buy Downs – Reduce your interest rate for the first 1-3 years
✔️ Inflation Shield Program – Some borrowers are saving money by lowering their payments with our Inflation Shield Program
💡 There are more ways to qualify for homeownership and lower your monthly payments than you might think! Let’s explore your options and see how a
Temporary Buy Down can work for you.
📞 Call or DM me today, and let’s create a plan that works for your budget!
#MortgagePerks #HomeOwnership #InflationShield #TemporaryBuyDown #IntercapLending {%Location Hashtags}

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Marketing Materials

  • Slide-Deck Presentations
  • Privacy
  • Licensing
  • Legal
  • NMLS Consumer Access Website
  • Complaints

All loans are subject to credit and underwriting approval. Not all applicants will qualify. We may share customer information with our trusted business partners to assist you with your loan or other mortgage needs. Customers with questions regarding our loan officers and their licensing may visit the Nationwide Mortgage Licensing System & Directory (NMLS) for more information. https://nmlsconsumeraccess.org/

Agency Approvals: FNMA – #171430002 / FHLMC – #124731 / FHA – #3213309992 / GNMA #2454 / VA 955023-00-00

© 2024 All rights reserved. Intercap Lending Inc.
910 East 6600 South, Salt Lake City, UT 84121 | NMLS# 190465
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Buy Down Calculator
This calculator is being provided for educational purposes only. The results are estimates that are based on information you provide and may not reflect available product terms from Intercap Lending Inc. Actual available rates and monthly payment amounts are subject to market fluctuations and will depend on a number of factors, including geography and loan characteristics. The information provided cannot be used to determine eligibility for a specific product or service and is not a commitment to lend.
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