Welcome to the June 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.
Table of Contents
June 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 – Rate Buy Down vs Price Reduction
This email will be sent to condo owners who funded over 2 year ago and have at least a 4% interest rate. Click here for a sample.
Send Date: June 23rd
Opt-Out Date: June 9th
Buyers – Offer Tips
This email will be sent to contacts in Total Expert that have a “Started” loan status and are looking to purchase. Click here for a sample.
Send Date: June 15th
Opt-Out Date: June 9th
Realtors – Tips & Tricks for Solar Transactions
This email will be sent to all buyer’s agents in Total Expert. Click here for a sample.
Send Date: June 11th
Opt-Out Date: June 9th
FOMO?
The Business Development team has pulled together a few standout wins from last month, proven ideas that could work for you too.
To get copies customized for you please submit a marketing request.
Social Media Trend: AI Character Sketch
Character sketch pages are making the rounds on social media right now. We can make one for you and get it posted. Just let us know a couple of your favorite things!
Swag Central: The Mister
We talked about this one last summer, but it’s just that great. Are you hosting, sponsoring, or attending an outdoor event this summer? Give away a piece of swag that won’t just end up in the trash. This hand pump mister is always a hit in hot summer sun! 50 minimum, $4.50/mister + shipping.
Homebot
Homebot Updates
Insurit
Insurit has been added as an insurance resource within each client’s Homebot account. Clients will have the option to confirm if they’d like to include Dave Johnson as part of their homeownership team, giving them an easy way to connect with him directly through Homebot if needed.
Intro to Homebot Email
Clients will now receive a quick introduction to Homebot as soon as their loan funds, helping them better understand the value of the platform and the personalized insights they’ll continue to receive as homeowners. This update is designed to increase engagement and help clients get the most out of their Homebot experience from day one. Click here for a sample.
Monthly Homebot Tips
LO Tip:
Have a Realtor interested in Homebot? Add them as a client to the platform! Once they are added, manually push the Digest, then call them to schedule time to walk thru it together. Show them the open rates, engagement rates, and what Homebot looks like on the back end so they can understand the value firsthand.
Realtor Tip:
Every Monday morning, review the top 3 people in each Opportunity List. Start your week with the clients already showing signs of engagement. Best part about this? We deliver this list right to your inbox!
Monthly Homebot Success Story
This month’s Homebot success story is brought to us by Todd Castagno of the Tooele Branch.
A client that needed to be in the driver’s seat with the right tools.
Debbie has a homebuyer client that came in and got pre-approved, after looking at a couple of homes with his realtor, he decided to wait to purchase and was planning on starting to look again in about 6 months. We uploaded him into Homebot as a “buyer” and told him about the access and tools that he could use while he waited. Within an hour of sending him the homebuyer link, he was in the system and going nuts with home searches and using the calculator tools. He got excited, his wife got excited, they reached back out to the realtor, and are now under contract on the purchase of their new home. Now – not 6 months from now! 😊
Monthly Strategic Tip
Create a 2026 Marketing Plan
Schedule time with your Business Development Specialist to map out your 2026 goals. They’ll help you review opportunities, and build a clear, actionable plan to help you stay on track and achieve your targets.
We’ve created a helpful planning form to fill out with your Business Development Specialist.
Calendar
Visit the Corporate Calendar for details on events and trainings.
June Social Posts
Post Date: June 1st
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Private Mortgage Insurance does not have to last forever.
Many buyers are surprised to learn there are ways to remove PMI depending on their situation.
You may be able to remove it by:
Reaching 20% equity in your home
Seeing an increase in home value
Refinancing into a new loan
Requesting removal based on your current balance
A quick review can show if you are closer than you think.
According to Freddie Mac, rising home values have helped many homeowners reach equity positions faster than expected.
Source: Freddie Mac Housing Market Report 2025.
Post Date: June 3rd
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Refinancing can be a great move, but only if it makes sense for your timeline.
The key concept is break even.
Break even is the point where your monthly savings outweigh the cost of the refinance.
Here is how it works:
Take your total closing costs
Divide by your monthly savings
That gives you the number of months to break even
If you plan to stay in the home longer than that timeframe, the refinance may make sense.
If not, it could actually cost you money.
Understanding this number is one of the most important parts of making a smart refinance decision.
Post Date: June 5th
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Not every drop in rates means it is time to refinance.
What I look at is your strike rate.
Your strike rate is the interest rate where refinancing actually makes financial sense for you.
Historically, many people used a 1% difference as a guideline. For example, if your current rate is 7.5%, a strike rate might be around 6.5%.
In today’s market, that gap is often smaller. Sometimes a 0.5% to 0.75% difference can be enough depending on the loan structure and goals.
The key is not just the rate. It is the overall impact on your payment, costs, and timeline.
Post Date: June 8th
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Renting vs owning is one of those conversations that is rarely as simple as people want it to be.
I have clients on both sides of this decision and the right answer is always tied to their goals.
Renting offers flexibility and lower upfront commitment.
Owning offers a different set of advantages:
More control over your living situation
The ability to build equity over time
Exposure to long term appreciation
What I focus on is helping clients understand the tradeoffs and how each path aligns with their financial strategy.
In many cases, it is less about what is right in general and more about what is right for that specific moment.
Homeownership has historically been a key driver of long term wealth for many households. Source: FHFA House Price Index 2025.
Post Date: June 10th
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Mid year is the perfect time to pause and take a look at your financial picture.
I like to walk clients through a simple review:
Current mortgage payment and rate
Property taxes and insurance
Debt and monthly obligations
Savings and equity position
From there, we can see if any adjustments make sense.
Maybe it is a refinance. Maybe a HELOC. Maybe everything is already in a great place.
At the very least, you walk away knowing exactly where you stand and that your current setup still aligns with your goals.
Post Date: June 12th
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What I am seeing in 2026 is a shift in how people think about home upgrades.
It is less about big, flashy renovations and more about how a home actually functions day to day.
The upgrades getting the most traction right now:
Outdoor spaces that feel like an extension of the home
Energy efficiency improvements that impact monthly costs
Smaller kitchen upgrades that improve usability
Bathrooms that lean into a more spa like feel
Moving away from fully open layouts toward more defined spaces
What stands out to me is that buyers are prioritizing lifestyle and comfort over trends.
The homes that feel easy to live in and efficient to maintain are the ones standing out.
That shift is influencing both resale value and how long people stay in their homes. Source: Zillow 2026 Home Trends Report and The Spruce 2026 Renovation Trends
Post Date: June 15th
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These two terms sound similar, but they are very different when it comes to buying a home.
Pre Qualification
A quick estimate based on self reported information. Helpful as a starting point, but not verified.
Pre Approval
A deeper review of income, credit, and assets. This is what sellers and agents take seriously.
In a competitive market, pre approval is what gives buyers confidence and credibility when making an offer.
If you are serious about buying, this is one of the most important steps to take early.
Post Date: June 17th
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The fastest closings start before you ever find the house.Get your documents together early and the rest of the process gets a lot smoother. Watch the video to see exactly what you need.
Post Date: June 19th
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Today we honor Juneteenth, a celebration of freedom, resilience, and the ongoing pursuit of equality.
At Intercap Lending, we reflect on the importance of opportunity, access, and community for every individual and family. Progress begins when barriers are removed, and everyone has a place to call home.
#Juneteenth #FreedomDay #Equality #Community #IntercapLending
Post Date: June 21st
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Happy Father’s Day to the dads who build, guide, and inspire every day.
Your hard work, support, and dedication create the foundation families grow on.
From all of us at Intercap Lending, thank you for everything you do.
#FathersDay #FamilyFirst #IntercapLending
Post Date: June 22nd
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Ever wonder what actually happens after you apply for a home loan?
Most buyers have no idea what goes on behind the scenes. They submit their application and then wait, hoping for good news. We think you deserve to know exactly what is happening and why.
The approval process comes down to a few core things. Your income, your credit, your assets, and the property itself. Each one gets reviewed and verified. When all four check out, you get your approval.
Knowing this upfront means no surprises mid-process. It also means if something needs attention, we catch it early and fix it before it becomes a problem.
Watch the video. Then reach out and we will walk you through exactly where you stand.
Post Date: June 24th
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Post Date: June 26th
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Most people think they have to sell their home before they can buy the next one. That is not always true.
Our Stress Less Transition program gives you a 90 day window to buy your next home before your current one sells. No scrambling to find temporary housing. No making an offer contingent on your sale. No living out of boxes while you wait.
Here is why that matters in today’s market. Contingent offers are harder to win. Sellers want certainty. When you can come in without a sale contingency, your offer looks completely different.
There are conditions to qualify and not every situation will fit. But for the right buyer, this program removes one of the biggest stress points in the entire moving process.
Watch the video and reach out to find out if you qualify. The process is more straightforward than most people expect.
Post Date: June 29th
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Timing is the reason most move-up buyers hesitate. It is also one of the most solvable problems in the transaction when a lender knows what they are doing.
We work with agents regularly to structure loans that give clients flexibility on both the buy and sell side. That means cleaner offers, fewer contingencies, and transactions that do not fall apart because the calendar did not cooperate.
If you have a listing where the seller needs to buy next, this is a conversation worth having before they go under contract. The earlier we get involved, the more options we have.
Send us the scenario and we will tell you what fits.
