Richard Cogswell Mortgage

05/02/2026

03/23/2026

Did you know your buyer may NOT need 20% down — or even 3%? Down payment assistance programs (DPA) can cover the gap between what buyers have saved and what they need to close. As a loan officer specializing in these programs, I help buyers — and the realtors who work with them — get to the closing table faster. If you've had a deal stall because a buyer couldn't come up with the down payment, let's talk. There may be a path you haven't explored yet. 📞 Chris [Last Name] | LeaderOne Financial | [Phone]

03/20/2026

Myths and Facts About DPA, Bond & Grants
"Hey Realtors! and Borrowers! Rick Cogswell here with some great news that could be a gamechanger for your clients. Let’s talk about how Down Payment Assistance, Bonds & Grant programs can open doors to homeownership!"
Breaking Myths and Building Dreams
1. Opportunity for More Buyers
a. 🌟 "DPA programs make it easier for clients to qualify and afford a home by helping with that big hurdle: the down payment!"
2. Empowering Your Clients Reducing upfront cost lower interest rates.
a. 💸 "With reduced upfront costs, buyers have more purchasing power – and it can mean the difference between waiting and buying *now*!"
3. A Range of Programs to Meet Every Need
a. 🎉 "From government to nonprofit programs and even the ability to stack these options, there’s truly something for every buyer!"
4. Streamlined Application Process
a. 🚀 "Don’t worry about the process – I’ll guide you and your clients every step of the way to make it simple and stress free."
5. Market Driven Solutions
a. 🌍 "These programs are tailored to local market needs, which means more access to affordable housing for the community!"
6. 6. Strengthening Realtor Partnerships
a. 🤝 "Working together on DPA benefits not only helps buyers but also builds strong, successful partnerships. Let’s create more happy homeowners!"
7. Breaking Myths and Building Dreams
a. 💡 "Forget the myths! These programs are a real solution that can help bring homeownership within reach faster than you think.

" Closing "So if you’re ready to make homeownership dreams come true for your clients, let’s team up and explore how DPA can help. Reach out anytime at www.RickCogswell.com, and let’s start turning 'maybe one day' into 'today’s the day!' " This script keeps the focus upbeat and solution oriented, making DPA feel accessible and exciting for realtors and buyers alike!

"Thank you for watching and taking the time to learn more about the myths and facts surrounding DPA, bonds, and grants. I hope this information helps you make informed choices and see the real opportunities these programs offer. If you found this video valuable, please consider sharing it with your family, friends, and colleagues who might benefit from this knowledge as well.

For any questions or guidance on navigating these loan options, feel free to reach out directly. I'm here to help! You can contact me Call or Text, Rick Cogswell, at 954-734-4440 or by email at [email protected]. Together, let's make homeownership a reality for more people!"

My Link is www.RickCogswell.com

Thank You

03/19/2026

Markets shift. Programs change. What didn't work 12 months ago might work today. If you have clients who were pre-approved but never pulled the trigger, or buyers who walked away because rates felt too high — now is a good time to revisit. Down payment assistance options have expanded, and government loan guidelines have evolved. I specialize in finding solutions for buyers who feel like they've been left behind. Let's take another look together. 📞 Rick Cogswell LeaderOne Financial 954-734-4440 [email protected] www.RickCogswell.com