Welcome to the October 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
Table of Contents
October 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.
Borrower – Fed Rate Cuts
This email will be sent to contacts who funded over 5 months ago, have a 660+ credit score, and have at least a 6.5% interest rate. Click here for a sample.
Send Date: October 1st
Opt-Out Date: September 29th
Buyer – Fed Rate Cuts
This email will be sent to contacts in Total Expert that were created in the last 3 years, have a “Started” loan status, has a credit report in the last 6 months and are looking to purchase. Click here for a sample.
Send Date: October 1st
Opt-Out Date: September 29th
Realtor – Fed Rate Cuts
This email will be sent to all buyers agents in Total Expert. Click here for a sample.
Send Date: October 1st
Opt-Out Date: September 29th
FOMO?
The Business Development team has been hard at work and has picked a few standouts projects that caught our eye. If it worked for them, it might work for you too.
To get copies customized for you please submit a marketing request.
Spooky Refi Postcard
A fun seasonal piece to mail to your borrowers.
Pumpkin Patch Event Flyer
A fun seasonal activity to have with your clients.
Unique Social Posts
Guess the Cheaper Price
This is a great post to drive conversation.
4 Secrets The News Won’t Tell You (Reel)
Click here for a sample.
Homebot Updates
Introducing the Homebot Network — a smarter way to connect clients with their trusted real estate professionals, while unlocking ongoing, two-way referral opportunities for Intercap Lending.
At the core of this upgrade is delivering more value to Intercap agent partners:
- Agents get free, co-branded exposure to your shared clients through Homebot’s monthly homeowner digests — even if they’re not paying for Homebot themselves.
- Agents can receive direct messages from shared clients, turning Homebot into a lead source for Intercap agent partners.
- Your loan officers get credit for the connection — positioning them as the referral partner who helps their agents grow.
By helping agents stay in front of clients and generate new business, your loan officers build loyalty — in turn bringing more referrals back to Intercap Lending.
Here’s what’s Included:
- Client Engagement Portal (CEP): Loan officers will now see a Teams Tab under each client profile, where they can view and/or add the preferred agent for their clients.
- Agent Profile Manager: Once added as a preferred agent, Agents can personalize their Homebot presence with a headshot and logo.
- Monthly Digest Updates: Each digest now includes a Teams dropdown in the header, plus a new “Your Teams” panel that shows connected professionals. Note: This only appears if there is a preferred agent on the team
- New Co-Branded Direct Messages: When clients have real estate-specific questions, they can now send direct messages through Homebot to their preferred agent–creating new leads for agents.
- Bulk Import: Have agent data in your CRM or LOS? Now you can import it in bulk during your standard client import workflow.
- Weekly “New Client” Emails to Agents: Agents are notified when they’re connected to new clients via your loan officers — reinforcing partnership value.
Coming Soon:
More automation and smarter data usage are on the way:
- Backfill Import Support: Add preferred agents to existing Homebot clients via bulk import.
- Preferred Agent Auto-Matching: No agent data? Homebot will automatically match past buyer agents to your clients using transaction history (via Partner Intel)
Resources:
- The Homebot Network One Pager: High-level summary and overview of the Homebot Network.
- The Homebot Network resource article: Thorough and detailed resource article that contains everything you need to know about the Homebot Network.
- The Homebot Network for Preferred Agents resource article: This is a great resource article that you can share with their agents to provide more context on how the Homebot Network works.
ICL Website Updates
The branch and LO landing pages have recently been cleaned up and updated. This included updating branch bios and adjusting photos to appear better on the page. Branch videos are in the process of being updated as well and will be completed shortly. Click here to find your branch and individual web pages.
If you would like further edits to your landing page, please reach out to your Biz Dev specialist.
Calendar
Visit the Corporate Calendar for details on events and trainings.
October Social Posts
Post Date: October 1st
Platfroms: FB, IG, IN, GMB
Caption:
Need cash but don’t want to refinance your low-rate first mortgage?
You’re not alone. That’s why we offer the FLEX Equity Advantage.
It’s a stand-alone second mortgage designed for flexibility—so you can access your equity without starting over.
#NonQM #IntercapLending {%Location Hashtags}
Post Date: October 3rd
Platfroms: FB, IG, IN
Caption:
Wondering if your credit score is good enough to buy a home?
You’re not alone — and the truth is, you may be closer than you think.
Understanding how credit works is the first step, and I’ve got a quick video that breaks it all down.
Watch it, then let’s talk about your path to homeownership.
Not a commitment to lend. All loans subject to credit and underwriting approval.
#IntercapLending #HomeLoanTips #CreditScore101
Post Date: October 6th
Platfroms: FB, IG, IN, GMB
Caption:
Think smarter about your down payment.
SunStart by Intercap Lending helps you buy your dream home with less out of pocket—and yes, that includes using solar power to help cover your closing costs or down payment.
This isn’t just another loan program. It’s a way to turn your home’s energy into financial power.
Ask us how SunStart can work for you.
Post Date: October 8th
Platfroms: FB, IN, GMB
Caption:
Housing Market Trends – Is It the Right Time to Buy? 🏡
The market is always shifting, and timing your move can make a big impact on your home affordability.
Here’s what’s happening now:
✔️ Rising rental costs: Many renters are exploring homeownership to lock in stable payments
✔️ More inventory in some markets: Buyers are getting more options and negotiating power
✔️ Creative financing strategies: Temporary buy downs and adjustable-rate mortgages are making a comeback
💡 Not sure if buying now makes sense for you? Let’s run the numbers and create a strategy!
📞 DM me, and let’s talk through your options!
#MarketTrends #RentVsBuy #MortgageOptions #HomeAffordability #IntercapLending {%Location Hashtags}
Post Date: October 8th
Platfroms: IG
Caption:
Are you ready to make homeownership a reality? Here’s how to get started:
📌 Check Your Budget – Understand how much home you can afford.
📌 Get Pre-Approved – A strong pre-approval puts you ahead of the competition.
📌 Plan for Your Down Payment & Closing Costs – Explore loan programs with little to no money down.
📌 Stay Market-Ready – Work with a team that keeps you informed on rates & trends.
🚀 Don’t let another year go by before you start planning—let’s set you up for success now!
📞 DM me, and let’s get you on the path to homeownership!
#HomeBuying2025 #NewYearNewHome #FinancialGoals #RealEstate #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.
Post Date: October 10th
Platfroms: FB, IG, IN, GMB
Caption:
The future of homeownership is diverse, driven, and ready.
Hispanic families are leading the way—and we’re here to make sure they’re supported, seen, and celebrated.
#HispanicHomeownership #IntercapLending {%Location Hashtags}
Post Date: October 13th
Platfroms: FB, IG, IN, GMB
Caption:
Airbnb it. VRBO it. Finance it.
FLEX Loans by Intercap Lending are designed for short-term rental properties.
✔ Cash-flow based
✔ Qualification focuses on property performance
✔ Built for modern investors
Let your rental work for you.
#NonQM #IntercapLending {%Location Hashtags}
Post Date: October 15th
Platfroms: FB, IG, IN, GMB
Caption:
Your first home isn’t just for you.
It’s for your children. Your parents. Your community.
When we support Hispanic homeownership, we help build lasting legacies. For every generation.
#HispanicHomeownership #IntercapLending {%Location Hashtags}
Post Date: October 17th
Platfroms: FB, IG, IN, GMB
Caption:
Can you finance a 5–9 unit property without traditional income docs?
Yes.
Can the property qualify based on its own cash flow?
Yes.
Is this only for big-time investors?
Not at all.
FLEX Loans by Intercap Lending make it possible. Let’s talk strategy.
#NonQM #IntercapLending {%Location Hashtags}
Post Date: October 20th
Platfroms: FB, IG, IN
Caption:
A smaller down payment could open the door to your new home.
With programs that offer low or even no down payment options, homeownership may be closer than you think.
Let’s review what’s available and find the right fit.
Not a commitment to lend. All loans subject to credit and underwriting approval.
#IntercapLending #HomeOwnershipHelp #DPA #LowDownPayment
Post Date: October 22nd
Platfroms: FB, IG, IN
Caption:
Building a home doesn’t have to feel overwhelming. With our construction loan, you can buy your land, start building, and then roll everything into the long-term mortgage once the home is complete.
That means one smooth process, fewer surprises, and peace of mind from start to finish.
📩 DM me to learn how we make building easier.
#ConstructionLoans #BuildWithConfidence #IntercapLending #HomeLoans #BuilderFinancing #NewConstruction #RealEstateTips
Post Date: October 24th
Platfroms: FB, IG, IN, GMB
Caption:
The typical first-time homebuyer is older than many people expect.
This shift reveals a lot about today’s housing market and why homeownership is still one of the smartest ways to build long-term wealth.
In this video, we explain what is happening and why waiting could cost more.
#HomeownershipMatters #WealthBuilding #FirstTimeBuyer #RealEstateTips #IntercapLending
Post Date: October 27th
Platfroms: FB, IG, IN, GMB
Caption:
Let’s make your next move a smart one.
SunStart uses solar in a whole new way—unlocking funding that can cover your down payment and reduce your monthly costs.
It’s more than just solar. It’s a strategy to help you buy a home without draining your savings.
Reach out and let’s see how it could work for you.
#SunStart #IntercapLending #DPA
Post Date: October 29th
Platfroms: IG
Caption:
Homeownership is more possible than you think.
SunStart helps make it happen with down payment assistance that’s simple, smart, and actually available.
No income limits. No second loan. Just a clear path forward.
Let’s take a look together.
#SunStart #IntercapLending #DPA
Post Date: October 29th
Platfroms: IG
Caption:
What might make a condo non-warrantable?
HOA Reserves
Insufficient Master Insurance Coverage
Single Entity Ownership
Litigation
if you are being turned down because of the property, let’s take a look and see if our FLEX Loan is right for you.
