Welcome to the January 2026 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.
January Campaigns
Each month Marketing sends out on your behalf Total Expert emails to your clients and realtor partners. Be sure to read and review this section and take note of the opt-out deadlines.
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.
Past Clients – Navigating the Fed
This email will be sent to contacts who funded over 2 years ago, have a 660+ credit score, and have at least a 5% interest rate. Click here for a sample.
Send Date: January 15th
Opt-Out Date: January 5th
Buyers – Navigating the Fed
This email will be sent to contacts in Total Expert that were created in the last year, have a “Started” loan status, and are looking to purchase. (This will not go out to any clients currently under contract or recently closed.) Click here for a sample.
Send Date: January 14th
Opt-Out Date: January 5th
Realtors – Navigating the Fed
This email will be sent to all buyers agents in Total Expert. Click here for a sample.
Send Date: January 20th
Opt-Out Date: January 5th
2026 Vision Board Party for Referral Partners
The start of the new year is a great time to gather with your top referral partners and bring your 2026 goals to life with vision boards!
All you need is some large poster board, a selection of magazines, and maybe a vision board clip art book like the one pictured here. Serve some light refreshments and at the end provide an opportunity for each person to talk a bit about their board. A bonus is that you’ll have something you can talk about with those partners all year long as you check in to see how their progress is coming along.
If you need any help organizing your vision board party, just reach out to your Biz Dev Specialist.
The start of the new year is a great time to gather with your top referral partners and bring your 2026 goals to life with vision boards!
All you need is some large poster board, a selection of magazines, and maybe a vision board clip art book like the one pictured here. Serve some light refreshments and at the end provide an opportunity for each person to talk a bit about their board. A bonus is that you’ll have something you can talk about with those partners all year long as you check in to see how their progress is coming along.
If you need any help organizing your vision board party, just reach out to your Biz Dev Specialist.
Homebot Updates
Homebot Network is live! This feature connects preferred agents to your clients without requiring a subscription.
Preferred agents can be added manually, directly by clients or auto matched using transaction history. Auto match requires opt in. Those that would like to opt into auto match can email support@homebot.ai
Click here for a full breakdown of the Homebot network.
Calendar
Visit the Corporate Calendar for details on events and trainings.
January Social Posts
Post Date: Janurary 2nd
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There is a lot of noise out there. Headlines, opinions, and constant updates about rates and the market can feel overwhelming.
At Intercap Lending, we help you tune out the confusion and focus on what really matters: facts, strategy, and your goals.
My team is here to help you understand the market, not fear it.
#MortgageMadeSimple #IntercapLending #Homeownership #MortgageEducation
Post Date: January 5th
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Homeownership isn’t just for your parents.
Today’s buyers are redefining what it means to own a home. From flexible loan programs to creative down payment options, there are more ways than ever to make it happen.
Whether you are buying your first home, investing, or planning your next move, the path to ownership is open to you. Let’s explore your options.
Post Date: January 7th
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If you are anything like me, life pulls you in a lot of directions. Many of my clients are caring for aging parents, raising young kids, building careers, and trying to plan for the future all at the same time. It is a lot.
Buying a home should not add to the stress. My job is to make this process clear, manageable, and tailored to your life right now.
If you are feeling stretched thin but still want to explore your options, I am here to help you take the next step with confidence.
#MillennialHomebuyer #MortgageEducation #HomeownershipJourney
Post Date: January 9th
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The market can feel confusing sometimes, but you do not have to piece it all together on your own. My job is to guide you with clear information, honest advice, and a plan that fits your life.
If you are thinking about buying, refinancing, or just want to understand your options, I am here to help you move forward with confidence.
#MortgageMadeSimple #HomeownershipJourney #HereToHelp
Post Date: January 12th
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Still waiting for the market to crash? It is not going to happen.
The truth is, today’s homeowners are sitting on more equity than ever before. National reports show more than $17 trillion in home equity across the country, with about $11 trillion of that available to use if needed. Most homeowners also have low, fixed-rate mortgages and years of built-up value.
This is what keeps the market steady. People are not walking away from that kind of security.
If you are thinking about buying, the opportunity is not in waiting for prices to drop. It is in finding the right home and starting to build equity for yourself.
Source: ICE Mortgage Monitor, June 2025
Post Date: January 14th
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Snow is falling and rates are too.
If you have been waiting for the right time to buy or refinance, this might be it. Mortgage rates have started to ease, giving buyers more flexibility and purchasing power than they had just a few months ago.
A small drop in rate can make a big difference in your monthly payment. Let’s talk about what that looks like for you.
Post Date: January 16th
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This year, make a resolution that actually pays off. Instead of cutting carbs or scrolling less, focus on building something that lasts.
Buying a home, paying down debt, or creating a smart financial plan can change your entire year. You do not have to figure it out alone. We can help you take the first step toward the future you want.
Post Date: January 19th
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Today we honor the life and legacy of Dr. Martin Luther King Jr. His vision of equality, service, and community continues to inspire progress and purpose in everything we do.
At Intercap Lending, we believe that opportunity and access create stronger communities. We remain committed to helping more families achieve the dream of homeownership.
#MLKDay #HonoringTheDream #Community #IntercapLending #Equality
Post Date: January 21st
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Context matters more than the numbers.
Ten out of one hundred looks small. Ten out of ten looks perfect. The difference is not the number, it is the perspective.
The same is true in real estate and lending. A rate, a price, or a market stat only means something when you understand the full story behind it. Let’s put the numbers in context and find what really works for you.
#IntercapLending #MortgageEducation #FinancialConfidence
Post Date: January 23rd
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As 2026 begins, affordability continues to shape buyer decisions. Higher home prices and rate fluctuations have made many people more cautious, but they have also made strategic planning more important than ever.
I am spending a lot of time helping clients look at scenarios, compare loan structures, and understand how small changes in rates or pricing can shift affordability. With the right guidance, buyers are still finding meaningful opportunities this year.
If you or your clients want a clear, realistic picture of what is possible in 2026, I am here to help.
Post Date: January 26th
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Every day, our community’s heroes show up with courage and commitment. Firefighters, police officers, medical professionals, teachers, and first responders give so much of themselves to others.
If you serve our community, we want to support you too. Intercap offers special programs designed to make homeownership more accessible for the people who give back in such a meaningful way.
If you want to learn what options are available to you or someone in your family, I am here to help.
Post Date: January 28th
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A quiet night, a warm fire, and a puzzle that takes teamwork.
Home is where these moments happen. It is where stories are built piece by piece. If you are ready to find a home that fits your family, we are ready to help you make it happen.
#IntercapLending #Homeownership #FamilyGoals #MortgageMadeSimple
Post Date: January 30th
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Introducing SUNSTART, a program that helps make homeownership more affordable while giving you the chance to upgrade your home with solar.
You can receive down payment assistance and use a portion of the funds to move closer to energy savings and long-term stability. It is a simple way to bring the cost of buying a home within reach while also investing in your future.
If you want to see how SUNSTART works or whether you qualify, I am here to help walk you through it.
Available to qualified FHA applicants. Up to 5% of the loan amount may be applied toward down payment or closing costs; actual amount varies by eligibility and program terms. Not a commitment to lend.
