Take a look at our Top 10 most requested items! Click the image to access, or reach out to [email protected] for assistance.
What If the Dream Home is the First Home Email
Pumpkin Cake Recipe Postcard
Cost of Waiting Flyer
OTC Manufactured Flyer
Renovation Fixer-Upper Flyer
One Time Close Trifold Brochure
Could Fall Give More Negotiating Power Social Post
UAD 3.6 Realtor Guide
OTC Tri-Fold Brochure
Down Payment Assistance Flyer
HRM Products & Programs Flyer
(Automated/Manual)
New emails are ready in Total Expert! Take a look at what’s available this month and find something that fits the conversations you’re already having with clients and Realtor partners.
Stay connected with clients and Realtor partners while honoring Veterans Day. Send this email yourself through Total Expert or opt in to have it sent automatically.
Manual Option: [Access Email Here]
Automated Option: [Opt in Here]
Share a little gratitude this Thanksgiving!
Let your clients and Realtor partners know how much you appreciate their trust and support. Send this email yourself through Total Expert or opt in to have it sent automatically. Either way, it’s a simple way to stay connected and say thank you this holiday season!
Manual Option: [Access Email Here]
Automated Option: [Opt in Here]
Have a Realtor partner working with a buyer who needs a different financing solution? We’ve created five emails highlighting Onslow Bay Financial’s Non-QM loan programs. Each focuses on a different borrower scenario, giving you more ways to introduce financing options your partners may not know are available.
Expanded Prime Plus
Sharp A+
Sharp A-
DSCR Plus
Foreign National Plus
This email takes a look back at how mortgage rates have fluctuated over the past several decades, helping put today’s rates into perspective. Share it with clients who may be waiting for rates to drop to encourage a conversation about the bigger picture before putting their homebuying plans on hold.
Missed a TE Academy session or want to revisit a topic? You can catch up on previous recordings here.
Check out our fifth and final session below!
We wrapped up TE Academy by hearing from fellow Highlands Loan Officers about how they’re using Total Expert in their day-to-day work. From staying organized and strengthening relationships to finding new opportunities, this session is full of practical tips and real examples you can put to use!
Need something new for an upcoming meeting, open house, client conversation or Realtor follow-up? Here are a few pieces Marketing has created recently that you can put to work in your own business.
These flyers break down the new UAD 3.6 appraisal format, including what’s changing, what stays the same and what borrowers and industry partners can expect.
Four versions are available in Total Expert, so you can share the information that’s most relevant to your audience.
This co-branded flyer uses a side-by-side comparison to show how rising home prices could offset the savings of a lower interest rate. It also highlights what buyers may be missing out on by waiting, including seller concessions and the opportunity to start building equity.
Share it with Realtor partners, use it at open houses or reconnect with buyers who may be putting their home search on hold.
This co-branded flyer highlights alternative financing options for self-employed borrowers, 1099 workers, real estate investors and others with unique income or credit situations. It covers flexible documentation options, higher loan limits and customized loan terms.
Share it with Realtor partners or use it to reconnect with clients who may not realize they have other financing options.
This co-branded flyer compares three ways to use a $10,000 seller incentive on the same home: a price reduction, permanent rate buydown or temporary 1-1 buydown. The side-by-side examples show how each option could impact a buyer’s monthly payment and potential savings.
Use it with Realtor partners to explore different ways to structure an offer, or bring it to your next open house to help buyers compare their options.
These social posts use a before-and-after example of a homeowner refinancing from a 2.25% mortgage rate to a higher rate, while potentially improving monthly cash flow by consolidating other debt payments.
Share them to reconnect with past clients and start conversations about whether a cash-out refinance could make sense for their overall financial situation.
This flyer highlights the marketing tools and resources available to your Realtor partners through Highlands, including co-branded property flyers, listing marketing, social media content, personalized property websites and housing market insights through Total Expert, ListReports and MBS Highway.
Share it with a new Realtor partner, bring it to your next agent meeting or use it as a follow-up to remind existing partners of the resources available to support their business.
Need an easy reason to stop by and say hello? These fall-themed pop-by tags pair perfectly with a small seasonal treat or gift. It’s a simple way to reconnect with Realtor partners, show your appreciation and keep those relationships going throughout the season.
This flyer highlights the marketing tools and resources available to your Realtor partners through Highlands, including co-branded property flyers, listing marketing, social media content, personalized property websites and housing market insights through Total Expert, ListReports and MBS Highway.
Share it with a new Realtor partner, bring it to your next agent meeting or use it as a follow-up to remind existing partners of the resources available to support their business.
Give your Realtor partners one easy place to find everything they need.
Instead of sending multiple links, bring your website, application page, helpful resources and contact information together in one place.
Add your personalized Linktree to your email signature, social media profiles or Realtor follow-ups so your partners always have an easy way to connect.
November social graphics are now live and ready to post!
New tools, features and resources to help you get more out of your marketing.
There’s nothing you need to sign up for — these updates are automatically available in your account.
It’s time to start thinking about holiday cards!
Want to send holiday cards to your clients this year? Total Expert offers two convenient options, depending on how you’d like to send them.
Need help getting started? Our Holiday Card Program Guide includes ordering instructions, FAQs and a video walkthrough.
A quick note on 2026 pricing and deadlines: Total Expert hasn’t confirmed this year’s ordering deadlines or final pricing. We’ll share those details once they’re available. In the meantime, pricing shown in Total Expert reflects the expected cost but is subject to change.
You can start exploring card designs now so you’re ready when ordering details are finalized.
Reconnect with borrowers who started an application but didn’t finish.
Our Abandoned Application Journey helps you follow up with borrowers who haven’t completed their mortgage application, without having to track each one manually.
When an abandoned application insight comes through from nCino, the Journey automatically begins. After two days, you’ll receive a notification, followed by three borrower emails over the next 10 days.
Want to see what gets sent? Review the user notification and borrower emails on our Abandoned Application Journey intranet page.
Ready to participate? Use the Journey Subscription Form to opt in, review your current subscriptions or make changes to other Journeys. You can also reach out to Marketing, and we’ll help get you set up!
Need a reason to reach out to a Realtor partner? Here are a few topics you can turn into an email, meeting conversation or quick follow-up this month.
Does your Realtor partner have a doctor, nurse or other medical professional looking to buy? They may not realize there are financing options designed specifically for these buyers. Use this email to start a conversation about who’s eligible and how the program could help.
For buyers concerned about their monthly payment, the FHA Home Start Advantage program may be worth a closer look. Share this option with Realtor partners who have buyers struggling to find a comfortable starting payment or sellers looking for ways to attract more interest.
Realtors hear it all the time. A buyer finds a great home, but something’s missing. Did you know HomeStyle Renovation financing may allow eligible buyers to finance a pool along with their home purchase? It’s a great conversation to have with Realtors before their buyers rule out an otherwise perfect home.
[Access Flyer in Total Expert Here]
Realtors may start noticing changes to appraisal reports as the industry transitions to UAD 3.6. This guide gives you an easy way to walk them through what’s changing, what’s staying the same and what it means for their transactions.
[Access Realtor Guide in Total Expert Here]
Have a Realtor working with buyers who keep putting their search on hold because they can’t find everything on their wish list? This email offers a different way to approach the starter home conversation and help buyers think about what they really need in their first home.
[Access Email in Total Expert Here]
Absolutely! Email signatures are typically created automatically for producers, but we can create one for other roles as needed. Just reach out to Marketing, and we’ll get one set up.
Yes. If your flyer includes a rate or payment scenario, be sure to provide the APR along with the other loan details. APR reflects the cost of borrowing, including certain fees, and is an important part of compliant advertising.
Including it with your initial request helps Marketing get started without delays or additional back-and-forth.