Because it utilizes the powerful vehicle of the story and leverages one or more of the other five guidelines of creating contagious content. In his book, "Contagious," Jonah Berger, a marketing professor at the Wharton School of the University of Pennsylvania, discussed his analysis and study of communication and advertising to discover what and why things are shared and remembered – distilling his findings into a group of basic guidelines:

Social Currency: What people find interesting or unique is what they share. Facts, unusual occurrences, games and special rewards are just a few options for generating social currency.
Triggers: Even boring things can gain traction if people are reminded of them regularly. KitKat, for instance, was able to boost sales by linking the brand with coffee. However, the more products associated with something (like coffee), the less likely it is to stick. OnPoint utilizes an important trigger in its "Jogger" ad – houses. People who are in the market for a home are usually very aware of the structures around them and sure to think of the ad regularly.
Emotion: Feelings are a significant driver of social interaction. But not all emotions are created equal. Berger and his team found a significant increase in sharing for stories and messages triggering high activation emotions such as awe, excitement, humor, disgust, anger and anxiety. Low activation emotions such as contentment and sadness saw far less reach. In OnPoint's "Jogger" commercial, viewers see and share Tracy's excitement at the prospect of owning the home she has always wanted.
Practical Value: People love to be asked for advice or spread useful information. Whether that be something as simple as a sale or as complex as stocks, humans are driven to help. In the case of the OnPoint ad, viewers might ask themselves if someone they know needs a home loan.
Public: One of the reasons loyalty programs do not easily increase loyalty is because they operate privately. How often do you tell people how much you saved by having a membership at your grocery store? Do you even know if your friends or family members have a grocery store loyalty card? When given a choice of restaurants, do you enter the one that has visible seating or the one that looks close to packed? In order to increase communication, you often have to push the private into the public eye.

While moving and even house shopping are often discussed, actual home loans (and other financial discussions) are often eschewed. OnPoint's "Jogger" ad normalizes thoughts about mortgages in direct relation to the desire for home ownership.

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