Welcome to the December 2025 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.
December 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 – Temp Buydown Refi
This email will be sent to contacts who funded over 6 months ago, and have a temp buydown. Click here for a sample.
Send Date: December 9th
Opt-Out Date: November 28th
Buyers – SunStart Credit
This email will be sent to contacts in Total Expert that sent an aplication in the last two years and are looking to purchase. Click here for a sample.
Send Date: December 11th
Opt-Out Date: November 28th
Realtors – 2026 Planning
This is an OPT-IN email. Contact your Business Development Specialist to opt in.
This email will be sent to all buyers agents in Total Expert. Click here for a sample.
Send Date: December 3rd
Opt-In Date: November 28th
The Summit 2026
We’re getting ready for The Summit 2026 — our annual company gathering focused on strategy, culture, collaboration, and celebration. This year’s event will take place January 8–9 at Asher Adams in Salt Lake City and will include inspiring speakers, meaningful team connection, professional development sessions, and time to recognize the outstanding accomplishments across Intercap.
Invitations and registration links have been emailed directly to those expected to attend. Please check your inbox for details. If you have any questions regarding attendance, travel, or accommodations, the Events Team is here to help at events@intercaplending.com.
Holiday Gifting – See’s Candy
Join in our bulk order from See’s Candy this holiday season! Eight candy selections to choose from. You will get an additional 15% discount off the prices listed below.
You can have the candy shipped straight to the recipient or to you so you can personally deliver. Shipping is an additional $9.95 per address. Reach out to your Biz Dev Specialist for more info.
Calendar
Visit the Corporate Calendar for details on events and trainings.
December’s Social Posts
Post Date: December 1st
Platforms: FB, IG, IN, GMB
Caption:
The first step to owning a home is knowing your options. Whether it’s your first purchase or your next, we can help guide you through the process.
DM to start your preapproval started.
{%Location Hashtags}
Not a commitment to lend.
Post Date: December 3rd
Platforms: FB, IG, IN, GMB
Caption:
Thinking about buying next year? The best time to prepare is now. Get your finances organized and your questions answered before the market heats up. We’ll help you understand what to expect so you can act with confidence when the time is right.
Share this post with a friend who’s planning to buy.
{%Location Hashtags} Not a commitment to lend.
Post Date: December 5th
Platforms: FB, IG, IN, GMB
Caption:
Ever wonder who “the Fed” really is?
Think of them as the country’s money coach. The Federal Reserve has 12 regions across the U.S. and a 12-member team called the FOMC that meets to help keep the economy balanced.
They decide how much it costs for banks to borrow money from each other, which influences things like car loans, credit cards, and yes, even mortgage rates.
But here’s the key: the Fed doesn’t actually set your mortgage rate. Those are set by investors and the bond market. So while the Fed’s moves get everyone talking, they don’t directly control the interest rates we pay on mortgages.
Lower rates can mean improved affordability or refinance opportunities for homeowners, but by the time the Fed meets, the bond market has often already priced in the change.
Post Date: December 8th
Platforms: FB, IG, IN, GMB
Caption:
Rates don’t stay low forever. If you’ve been considering refinancing or buying, now may be the time to act while savings are still within reach.
Post Date: December 10th
Platforms: FB, IG, IN, GMB
Caption:
Another rate cut could shift the housing market again. Lower rates often mean higher affordability and new refinance opportunities. Each Fed decision filters down to mortgage markets and affordability. Understanding how these adjustments translate to real numbers helps clients act confidently. I’m available to review how these changes apply to your strategy.
Drop a 🚀 if you’re watching the market.
Post Date: December 12th
Platforms: FB, IG, IN, GMB
Caption:
Rate cuts don’t just affect the economy. They can change what a buyer will qualify for and how much home they can afford. Each Fed decision filters down to mortgage markets and affordability.
Understanding how these adjustments translate to real numbers helps buyers act confidently.
I’m available to review how these changes apply to your strategy.
Post Date: December 15th
Platforms: FB, IG, IN, GMB
Caption:
Wishing you light, peace, and joy this Hanukkah season. May your home be filled with warmth and celebration.
Post Date: December 17th
Platforms: FB, IG, IN, GMB
Caption:
Mortgage rates are always changing, but smart planning can help you make the most of every market shift. Understanding rate movements is key to informed decision-making. A structured review of your options can reveal potential savings or timing advantages. Let’s set up a quick conversation.
Post Date: December 19th
Platforms: FB, IG, IN, GMB
Caption:
Whether you’re ready to buy or planning ahead, your future home is closer than you think. Let’s make it happen.
DM to start your preapproval.
{%Location Hashtags} Not a commitment to lend.
Post Date: December 22nd
Platforms: FB, IG, IN, GMB
Caption:
Owning a home isn’t just about where you live. It’s a key part of building wealth, equity, and financial security over time. Every payment builds equity. Homeownership is one of the most reliable ways to create long-term financial stability.
Share this with someone saving for a home and like if you agree homeownership builds wealth.
{%Location Hashtags} Not a commitment to lend.
Post Date: December 24th
Platforms: FB, IG, IN, GMB
Caption:
Financial freedom starts with a plan. Let’s set goals for 2026 that build equity, savings, and confidence. Make this the year you take control of your finances. From credit improvement to smart refinancing, small steps lead to big growth.
Save this post to inspire your New Year goals.
Post Date: December 25th
Platforms: FB, IG, IN, GMB
Caption:
Merry Christmas from our team to you. Wishing you peace, joy, and gratitude this holiday season.
Post Date: December 29th
Platforms: FB, IG, IN, GMB
Caption:
Refinancing could be your key to saving money every month. A smart refinance can help lower your rate, reduce payments, or shorten your loan term. Let’s explore what’s possible in today’s market.
DM for a rate comparison.
Post Date: December 31st
Platforms: FB, IG, IN, GMB
Caption:
New year, new goals… new address? Let’s turn your resolutions into real estate. 2025 could be your year to move home—literally.
#newyearsday #intercaplending
