Social media content for Long Island mortgage lenders

The work

What we make for a mortgage team

Built from the questions your loan officers answer every week, filmed so each piece stays useful long after it posts.

• The process, one step at a time

  Preapproval, the appraisal, underwriting conditions, clear to close, and the closing table, each explained by the person on your team who handles it.

• Your loan officers

  A short introduction for each loan officer: how they work, how they keep a buyer updated, and what a first call is like. Buyers choose a person.

• Loan programs, in general terms

  What a conventional, FHA, VA, or renovation loan is and who tends to ask about it, with any number and its disclosure written by your compliance team.

• The questions you hear on every call

  What documents to gather, what happens after an application, why the appraisal matters, and how long underwriting tends to take, answered in a minute each.

• Your branch and your team

  A new office, a team milestone, or a community event you host, filmed so the company looks like the people who work there.

• Recruiting

  What it is like to work at your company, for the loan officers and processors you want to hire.

A content month

What a month looks like

Examples of how each tier tends to fill for a mortgage team. The content calendar sets the real mix before anything is filmed.

1. Partner

   $1,500 per month

   One content day at your office, usually half a day. Four to six finished pieces, for example three short process explainers and two loan officer introductions, delivered within 5 business days.

2. Partner+

   $2,750 per month

   Two content days. One long form video of 5 to 10 minutes, such as a buyer's walk through the loan process from application to closing, ten short form pieces cut from it and from the day, and three to four static or carousel posts. 3 business day turnaround.

3. Flagship

   $4,000 per month

   A weekly presence for a company with several loan officers or branches: 16+ finished pieces a month, event coverage included, and 48 hour turnaround.

Your side

What your team provides

We do the planning, filming, editing, and captions. These stay with you.

• A compliance contact who reviews outlines before the content day and finished pieces before they post, and the exact disclosure wording your company requires on every piece.
• Loan officers available for part of the content day, and a room we can light. Our studio in Saint James works too.
• The topics your loan officers explain most often, so the calendar starts from real questions.
• Signed releases from anyone on camera, staff and customers alike.
• Someone to post the finished pieces and answer the comments and messages they bring in.

Compliance

Rules that shape mortgage content

Why our default content explains the process and introduces your people instead of quoting rates.

• Rates and terms trigger disclosures

  Under Regulation Z, an ad that states a rate of finance charge must state it as an annual percentage rate. An ad that states a down payment, the number of payments or the repayment period, the amount of any payment, or the amount of any finance charge must also state the down payment, the terms of repayment, and the APR. So those terms stay out of a script unless your compliance team writes the full disclosure.

  • Source: 12 CFR 1026.24, Regulation Z advertising (CFPB)

• New York's advertising rules for mortgage bankers and brokers

  New York requires a mortgage banker's advertising to carry the legend "Licensed Mortgage Banker-NYS Banking Department" or words to like effect, and a broker's "Registered Mortgage Broker-NYS Banking Department". Advertising in print or electronic media must also name the company and the street address of one of its offices, unless it has more than 10 offices in the state. The same rule treats "immediate approval" and "immediate closing" as misleading, so those phrases never appear in our scripts.

  • Source: 3 NYCRR 38.2, Solicitation and advertising (Cornell Law School LII)

• RESPA Section 8

  RESPA Section 8(a) prohibits giving or accepting a fee, kickback, or thing of value for referrals of settlement service business on a federally related mortgage loan. A plan about your own company, paid for by your company, keeps the work simple, so we do not build plans around filming or promoting the agents who refer you business.

  • Source: CFPB, Real Estate Settlement Procedures Act FAQs

• Written consent from everyone on camera

  New York's Civil Rights Law section 50 makes it a misdemeanor to use a living person's name, portrait, picture, likeness, or voice for advertising or trade without their written consent, or a parent's or guardian's for a minor. That covers staff and customers alike, so a signed release comes before anyone appears in a piece.

  • Source: New York Civil Rights Law section 50 (New York State Senate)

A plain reading of each rule with its source, not legal advice. We are not your compliance department, and we do not pretend to be. Your compliance team or counsel has the final word on every piece.