RE-Charging with Champions

Did you know this about a PERSONAL loan: Thursday Jumpstart

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It's Thursday, and you know what that means—Trivia Day! Join us on Recharging with Champions as we dive into a true or false trivia challenge that's sure to get your brain buzzing. Whether you're a trivia fanatic or just love a good game, today's episode is for you.
Our trivia question revolves around a common obstacle buyers face when purchasing a home: undisclosed debt. True or false: If you borrow money from a friend and pay them back monthly, it does not count in your debt ratio that a lender looks at? Spoiler alert: It's false, and we'll explain why.
We'll also discuss how to boost your social media engagement and achieve your weekly goal of connecting with someone new. So, get ready to up your social media game, learn something new, and maybe even spark a few conversations. See you tomorrow for our rate update!

Store Cards are The WORST: Why Wednesday Jumpstart

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Welcome to your midweek jumpstart! In today's episode, we emphasize the importance of social engagement on your posts and challenge you to connect more deeply with your audience. If someone engages with your content, take the opportunity to reach out and build a stronger connection.
It's "Why Wednesday," and we're diving into the reasons why store credit cards can be detrimental, especially during the mortgage process. Discover the three major pitfalls of store credit cards that can harm your credit score and jeopardize your home buying journey.
Learn quick and actionable tips to share with your audience and inspire them to make smarter financial choices. Don't forget to join us tomorrow for Thursday trivia!

Lenders ARE watching: Tuesday Jumpstart

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If I told you you could reach a ton of people today, and it would cost you nothing and get you in front of a good client base that already loves you, what would you say? Yeah, that's what we're going to do today.
It's Tuesday. This is your Daily Boost here on Recharging with Champions, and I'm your host, Charlotte Harrell. And today we're going to do a Tuesday tip. All week this week, we're talking about obstacles that buyers face while they're in the process of buying a house.
So we told a story yesterday. If you didn't check that out, go check out the previous message. It's a great story that probably everyone here can relate to. Today, we're going to do a Tuesday tip. And this is a fun one because a lot of people don't realize that this is a thing.
Did you know that all lenders have something called credit monitoring now? Which just means once you have had your credit pulled and you are under contract, when that loan goes in, it starts a credit monitoring, which looks for credit triggers like new accounts, credit pulls, things like that.
This is to make sure that people aren't accruing new debt, or maybe even getting two mortgages at the same time. You could see how that would be a problem when it comes to debt ratio. So this is something that we're required to do to make sure that there's no fraud going on, but it also triggers us and lets us know if you have went and purchased a new credit card or that furniture we talked about yesterday.
So the pro tip is, FYI, did you know that lenders start monitoring your credit for new credit pulls and new accounts when you start buying a house? That's a quick and easy tip. You can use the link that I have in the toolbox that shares more about it if you just want to share that link. You could even just say that tip with a nice color behind it, easy peasy, or get on video and talk about it.
However you want to do it, this is a very fast, good 411 that a lot of your clients really do need to know that this is something that happens. So don't think you can sneak and beat the system. We're monitoring the system.
This is a great tip and something that will explain some of the hurdles that buyers do face when they're under contract and going to buy a house. Don't hesitate. Take a few minutes, Make the post right now while you're thinking about it, while you've listened to this podcast. You can do this. It is so simple. Go market. We'll talk to you tomorrow.

THIS Mistake That Could Delay Your Client's Closing: Monday Jumpstart

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So did you wake up this morning and think, "I'm going to do social media marketing?" Probably not. That is actually what I did. So I'm here to share some good social media marketing ideas with you this beautiful Monday morning and get you guys out of the mindset that you don't have time. You do have time. This is so simple. I'm going to give you the marketing idea every day, Monday through Friday. You can take the idea, you can make it your own. You could use literally the graphics that I've provided in the toolkit if you want, or just type out the message. The point is, get the mindset out that you don't have time. You do. It just takes a second. How much time you spend on it is your choice, but do something.
It is Monday, and this week we are going to discuss pitfalls that buyers go into when they are in the mortgage process. So they're under contract, they're looking to buy, and here are some obstacles that we have faced and things that we can teach our buyers along the way so that they know how to go through and have a smooth closing.
Monday, I like to do Monday memories. Monday memories is the idea of telling a story, something that has happened in the past that I can share with a story. This is a really good one that you can just create a video of your own with your own storytelling about the same thing. If you've been in this business, the story I'm about to tell probably has happened to one of your clients. But take the story and use it as your own. Use the graphic if you don't want to get on video or just type out a quick information like, hey, Monday reminder, right? Take it and use it however you want.
My Monday memory is about a year ago, I had a client, they were actually a two, a young couple, they had just been married very recently, and they were buying their first home. They went through all the process of getting their loan approved. They got everything about done in about five days before closing. It was actually right around this time of year, it was Labor Day, and there were some Labor Day sales. And they went out and they bought some furniture, which is not the worst thing in the world, as long as you're not spending your down payment money. But they also got hooked into one of those zero interest Labor Day sales. And they got a new line of credit. And the type of loan that they were doing was really picky. And that if you open a new line of credit before you close. Then we have to get an actual statement, which takes time. So they were supposed to close on the Friday of that week. And instead we had to wait three weeks. Thank goodness the sellers were good and they knew that this was the only thing we needed to close. So they did let us extend, but everybody had to make new plans because the buyer didn't think that they should not go get a zero interest, small payment loan for some furniture, which was totally okay. The timing was just really bad.
So make sure you don't go and buy things on credit while you're in the mortgage process. This is very, very important. Now, I am sure you have had a story very similar to that in your line of work. I know that I have had it happen multiple times. Let's tell the story. Give the actual information. Give the background. This is a great video or reel that you can post. If you don't want to get on video, use the information. Hey, get out of the mindset. You can do this. It's quick. It's simple. Let's talk to our sphere today.

Give a Friday Rate Recap: Daily Jumpstart

Here is a REEL you can copy, share, or duet ! Happy Friday! I hope you’ve had an amazing week, capitalizing on the favorable market conditions with lower rates and increased inventory. This is Charlotte Hero, bringing you your daily jumpstart. As always, Friday is our rate recap day.
Today, I want to share the latest on interest rates. We’re seeing a slight improvement with the national average hovering around 6.5% for a 30-year fixed loan. Remember, the actual rate can vary based on your credit score, loan type, loan size, location, and property type.
It’s a great time to buy! The last 10 days have shown the best rates in the past six months and one of the lowest points in the last 18 months. With higher inventory and decreasing rates, now is the perfect time to act. Don’t wait for rates to drop further and risk missing out on available properties.
The Federal Reserve has hinted at potential rate reductions in upcoming meetings, which is already causing a slight market reaction. Utilize the provided graphics and videos in our toolkit to enhance your marketing efforts.
Happy marketing and selling! Have a fantastic weekend, and we’ll catch up next week.

Boost Your Social Media Engagement with This Credit Trivia: Daily Jumpstart

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Welcome to "Recharging with Champions" with your host, Charlotte Harrill! In today's episode, we dive into an effective social media strategy to enhance your engagement. If you haven't posted much this week, it's time to create an interactive post about credit that will grab attention and boost your algorithms.
We focus on a fun trivia question: "Is the minimum credit score you need to buy a house 580?" The answer might surprise you! This simple heart for yes, sad face for no format is designed to stir interaction and generate more visibility for your posts.
Charlotte provides all the tools you need, including a ready-made graphic available in the toolkit. Customize it using Canva and make it your own. This trivia not only educates your audience but also encourages lively debate, making your social media more dynamic.
Stay tuned for more tips and tricks on "Recharging with Champions." See you tomorrow for your daily jumpstart!
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Big Changes your Sphere Needs to Know: Daily Jumpstart

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In this episode of "Tuesday Tips," we dive into a game-changing update for real estate professionals! Learn how the latest changes in medical collections reporting can positively impact your clients' credit scores—and ultimately, their ability to buy a home. Tune in for actionable advice on how to use this new information in your social media marketing to attract more clients and close more deals!
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Daily Jumpstart: Memories of the NEAR MISS credit catastrophe

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Ready to kickstart your Monday with some valuable marketing insights? This week, we're focusing on credit obstacles, particularly collections and medical debts, and how they can impact your clients.
In this episode, we share a recent story of a client who almost lost their home due to a misstep with a collection payment. Learn the crucial rule of thumb: always consult your trusted lender before making any payments on collections during the home-buying process.
Discover why it's sometimes better not to pay old collections and how to navigate these tricky situations. Use this story and advice to inform and guide your clients effectively.
Don't forget to check out the marketing toolkit linked in the description for helpful graphics and video creation tips. Let's make your marketing efforts consistent and less daunting!
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Daily Jumpstart: Friday Rate Recap

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Good morning! Ready to dive into some marketing today? It's Friday, and that means it's time for our favorite topic—rates! Hi, this is Charlotte with Recharging with Champions, and this is your daily jumpstart.
Every Friday, I provide you with a rate update. This week, we've seen a consistent trend of low rates, marking a significant improvement over the past eight months. While there's been a slight uptick due to jobless claims, rates are still looking favorable. The average 30-year mortgage rate stands at about 6.5%.
Remember, rates can vary based on your credit score, loan size, location, and loan program. For more detailed information, check out the video linked in the description. Feel free to share it on your social media platforms to inform your audience.
Thank you for joining us in our first week of daily jumpstarts. If you've enjoyed this, let me know, and we'll keep the momentum going next week. Tune in on Monday for a new topic in our daily recharging jumpstart marketing series. See you soon!

Marketing Jumpstart : Thursday Trivia: Seller Paid Closing

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Welcome to your daily jumpstart on "Recharging with Champions," hosted by Charlotte Harrell. In today's episode, we dive into a fun and engaging marketing idea perfect for a Thursday: trivia!
We stick with our theme of seller paid closing costs and present a trivia question to spark engagement on your social media pages. The question is: "Can the seller pay 6% of the buyer's closing cost plus any realtor commissions due for the buyer?" Spoiler alert: the answer is true! Encourage your followers to participate by liking if they think it's true or posting a sad face if they believe otherwise.
This trivia post is an excellent way to test knowledge and interact with your audience, potentially drawing responses from agents and lenders alike. We've made it super easy by providing a ready-made graphic in the toolkit linked in the description. Whether you choose to create a video, text post, or use the graphic, the goal is to get out there and market effectively.
Join us tomorrow for a rate update and continue to recharge with us!  
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