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Scripts, Industry News, and Strategies all delivered by Frank Garay, Carl White, Steve Kyles in an interactive Zoom type call where you can hear other loan officers throughout the country share their thoughts and what's working in today's market. Whether you are a new or seasoned loan officer, this daily podcast is just what you need to start your day!
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Frank Garay, top mortgage industry leader and host of The Loan Officer Breakfast Club, powered by Mortgage Marketing Animals, brings you not only the latest and greatest gizmos and gadgets that top loan officers are using, but he also frequently shares proven strategies and ways to get more referrals for your mortgage business. Learn what has been successful for those that are at the top of their game and how they've implemented them - so you can do the same as a loan officer.
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Loan Officer Leadership Podcast is one of the top podcasts in America with your host Steve Kyles. Each episode is jam-packed with STRATEGY and TOOLS to grow your business and leadership. Our purpose is to help you close more loans in less time. If you are ready to close more loans with fewer headaches, visit FreedomPlanningCall.com today to schedule a FREE strategy call.
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Interviews with successful loan originators, team members, branch managers and others with great ideas THAT WORK to share to help us all nurture and develop a success mindset. This is a show for Mortgage Industry pros looking to build a successful team. Irene brings almost 3 decades of experience in the industry to you and your team through this weekly podcast. Subscribe today and share with colleagues who would find value!
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This podcast is designed to bring you the systems, habits and secrets that top-performing professionals use to build a life of wealth and freedom. Each episode is packed with the lessons learned, systems and knowledge that each guest has used to create a successful business and life. To subscribe and get email updates on new episodes and trainings visit: www.loanofficerwealth.com To get a free 25-minute video training program that shows you how to fill your calendar with qualified sales appo ...
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Work Hard, Play Hard, Live a Life, Leave a Legacy.
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This isn’t another sales tips podcast. This is LOS.LIVE - where mortgage and real estate pros come to master modern growth without the burnout. Hosted by Devin Dubuc, LOS.LIVE is a deep dive into the psychology, strategy, and systems that build legacy-driven businesses in today’s market. Whether you're a high-performing loan officer, a rising agent, or an entrepreneur scaling fast—you’ll learn how to attract clients, grow income, and lead with brand, not brute force. Real conversations. Tact ...
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Overview The Loan Officer Experience Podcast is a bi-weekly podcast designed to educate mortgage loan officers in both the broker and retail worlds. The goal is to dispel common misconceptions about the broker world, offer actionable strategies, and provide industry insights to help loan officers grow and succeed. The podcast will be broker-heavy in content, with a special focus on educating retail loan officers on the benefits and opportunities within the broker industry. Mission The core m ...
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This show makes the boring FUN! Imagine if Joe Rogan and Dave Ramsey had a baby. That’s this show! These guys teach the sh*t they don’t teach in school. Their goal is to simplify topics that range from personal finance, purchasing real estate & obtaining home loans to being a successful mortgage originator, running a business and finding success as a sales professional. The mission is simple; to invite you into the room where it happens. They strive to teach you how to create opportunities e ...
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Mortgage marketing and real life experience for smart Loan Officers to learn from.
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Discover transformative conversations and powerful insights to elevate your mindset, business, and life. Join hosts Kelly & Jay on a journey of growth and inspiration—let’s level up together!
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A podcast for mortgage loan officers and entrepreneurs to help them increase their business and have more freedom.
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Join Michael Neef every week on Mondays as he interviews professionals in and around the Mortgage Industry. Our goal is to talk about the challenges that Loan Officers and other business leaders face every day, and ways to overcome those challenges to improve your business.
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Loan Officer Sales Huddle is here to encourage growth through shared evidence-based knowledge by Industry Innovators, Mortgage Professionals and Mortgage Brokers. L.O.S.H. shares proven strategies in the essential areas… File Support, Referral Partnerships, Technology, A.I. Prompt Stacking, CRM Campaigns, Social Media Marketing, Branding and Continuous Development. Whether you're looking to refine your skills, expand your network, accountability, or stay ahead in a competitive market, this p ...
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The Mortgage Calculator Mortgage Loan Officer Training Series covers an in depth training for new and experienced MLOs on different loan types. Our program features live demos to not only structure a loan, but also the specific setup of a loan file in an LOS system such as Encompass. Both new and experienced Loan Officers and Mortgage Brokers can learn new tips and tricks for loans, new loan products, non traditional mortgage programs and much more! For more info visit https://themortgagecal ...
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Every day, consumers go online, NOT to fill out a loan application, but because they have questions about qualifying for a mortgage. Thousands of these consumers get tricked into filling out a lead form. 96% of these consumers have a horrible experience with the call center lender and are back online, looking for a second opinion. The purpose of this podcast is to share with mortgage loan officers how to use content marketing to build the ultimate referral machine and market-proof your busin ...
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Welcome to "The Loan Officer Lounge" hosted by Valorey Salter, The Mortgage Navigator - NMLS 2160067. Dive into the world of mortgages and real estate with insights for professionals (loan officers, real estate agents, title agents) and home buyers (first-timers, seasoned buyers, and investors). Explore market trends, regulatory updates, and success strategies in candid conversations with industry leaders. Whether you're a seasoned pro or a home buyer, discover valuable tips, tricks, and ins ...
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I am not a fan of being sold to. I am committed to educating my clients and partnerships. 23 years as a Loan Officer in Seattle, I like to share perspectives as a homeowner, investor and developer. To assist clients in understanding what is relevant and happening in our hyper local Seattle real estate market. I feel this is important to make a well informed decision to purchase a home. Tie this with a strong strategy on what may make the 1% difference of your offer being successfully negotia ...
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Welcome to the Loan Officer Sales Training podcast with The Mortgage Calculator, where we equip you with the strategies and techniques needed to skyrocket your sales production in the competitive world of lending. Whether you're a seasoned loan officer or just starting your career, this podcast is your go-to resource for mastering the art of lead generation, effective calls, and follow-up strategies that drive results. Here's a glimpse of what you can expect: 1. Lead Generation Mastery: Disc ...
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Michelle Berman-Mikel, who brought you Beyond The Method™️ brings you the podcast all about Instagram, Realtors and Loan Officers! Coffee and Questions, with Michelle Berman-Mikel!
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Each week, Commission Breath digs into details of how mortgage brokers & loan officers can scale their business today. Each episode is focussed on being specific with strategies & tactics that work TODAY (not what worked 2, 5, or 10 years ago). Tom & Brandon are in the trenches building their own mortgage business and share what’s working for them. You’ll also hear actionable advice from other top producers in the industry while each interview is built off of 1 specific topic, resulting in t ...
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Beyond Conventional: The Broker’s Guide to Non-QM with Cake Mortgage
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32:47In this episode of the Loan Officer Experience podcast, the host welcomes Haik Avanesyan, Vice President of TPO Sales at Cake Mortgage. They discuss the importance and growth of non-QM loans, highlighting how Cake Mortgage is leading the way in this space. The episode covers the unique benefits and opportunities that non-QM products offer, the sign…
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How AI Search Is Replacing Google in Mortgage Lead Generation with Carl White & Chris Johnstone
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35:17In this episode of The LoanOfficerPodcast.com, Chris Johnstone and Carl White dive deep into the future of mortgage marketing and how AI is transforming the industry. Discover why AI-driven consumer behavior is creating a massive opportunity for early adopters and how to get ranked inside ChatGPT before your competition even realizes what's happeni…
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This AI Strategy Is Booking Loans From Your Database on Autopilot
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42:24In this insightful episode of the Loan Officer Breakfast Club, Chris Johnstone breaks down how loan officers are generating real applications and appointments using custom AI tools, without needing to be tech experts. You'll hear how one strategy using custom GPTs led to over 150 booked appointments and 21 deals in just 30 days, all by tapping into…
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Aspiring Loan Originators: Don’t Start Your Career Until You Listen To This | The D.O. Show
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33:29Welcome to another episode of "The DO Show," hosted by mortgage industry veteran Dustin Owen! In this insightful and engaging episode, Dustin draws from his extensive 20-year career as a top-performing mortgage loan originator to provide a comprehensive look into the world of mortgage lending. Whether you’re considering a career in the mortgage ind…
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How To Turn Being Undervalued Into Your Greatest Advantage - Featuring Melissa Jimenez
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39:53This week on Loan Officer Success Live, sponsored by Premier Lending, host Devin Dubuc sits down with Loan Officer Jessica Holloway and featured guest Melissa Jimenez, a powerhouse REALTOR® from California, who turned rejection into resilience. From overcoming self-doubt to building a thriving real estate career, Melissa shares how she found her vo…
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Building Trust in the Mortgage Industry: Insights from Geoff Zimpfer
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39:56In this episode of the Loan Officer Team Training Podcast, I had the absolute honor of sitting down with a respected voice in our industry. Geoff Zimpfer, founder of the Mortgage Marketing Institute, and a true leader in helping loan officers and real estate professionals grow through education, connection, and smart marketing. Geoff brings a wealt…
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Barry Habib – The Future of Mortgage Rates, the Fed, and Massive Opportunities Ahead
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20:48Episode 175 In this powerhouse episode, I sit down with the one and only Barry Habib — market expert, founder of MBS Highway, and board member at Fannie Mae. Barry shares his expert insights on where mortgage rates are headed, what's really driving the Fed's decisions, and how these shifts will shape the housing and lending landscape. We also dive …
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Going From 3 Loans A Month To 8 And 9
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44:02Episode 595 Welcome to Loan Officer Freedom, the #1 podcast in the country for loan officers, hosted by Carl White. In this episode, Carl sits down with Jon Tober from San Antonio to unpack how he went from closing 3 loans a month to consistently hitting 8 and 9, even in a market where most loan officers are struggling to stay flat. Jon opens up ab…
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How to Stay Top of Mind with the Right Agents and Clients Every Day
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16:48In this episode of the Loan Officer Leadership Podcast, Steve Kyles and Chelsea Gardner dive into the real reason most originators struggle to stay visible, and how to fix it fast. You'll learn: How to build trust with agents using the "7-11-4" strategy Why targeted Facebook and Instagram ads create an "everywhere" effect What to do if you have mor…
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$10 Strategy to Win More Agent Referrals + Key Fed Update for LOs
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37:30In this power-packed LOBC session, Carl White and Owen Lee dive into what loan officers should be doing right now to set up a strong Q1 and the simple $10 strategy one LO used to instantly spark more agent conversations and drive referral deals. Carl breaks down his personal "project minimum" filter for deciding where to invest time, revealing why …
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LOS Live Presents: Benjamin Medina - From Combat Boots to Closing Deals
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48:35LOS Live Presents: Benjamin Medina – From Combat Boots to Closing Deals On this episode of Loan Officer Success Live, Devin Dubuc and Gretchen Shelton sit down with Benjamin Medina to hear how he went from serving his country to serving families through real estate in South Florida. Benjamin shares how discipline, systems, and an abundance mindset …
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Why Most Loan Officers Lose Leads (And How You Can Win Them Every Time)
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40:43In this episode of the Loan Officer Breakfast Club, the crew dives deep into the critical difference between loan officers who grow consistently and those who struggle: the follow-up. If you're losing leads or not converting referrals, there's a high chance your follow-up system or lack of one is the culprit. Meg, Jen, Steve, and Carl break down a …
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Going All In: D.O.’s Mission to Transform Mortgage Lending | Ep. 582
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23:56In this episode, D.O. shares a major career move: fully committing to TLOP and going brand agnostic after years of working within specific mortgage companies. He discusses the journey of turning a passion project into a full-scale mission to elevate the mortgage industry, supporting loan officers, brokers, and realtors with innovative coaching, con…
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This Script Books $18K Realtor Appointments: The "If I Could, Would You?" Close
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36:35If you knew each realtor meeting could be worth $2,571, how many calls would you make today? In this LOBC session, Carl White and the crew dive deep into the art of setting high-value appointments with real estate agents and break down why it all starts with your offer. You'll hear exactly how Joanne used her network to build a steady Florida pipel…
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How to Generate 101 Leads in 10 Weeks Without Making a Cold Call
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36:18In today's episode of the Loan Officer Breakfast Club, Steve Kyles share a complete breakdown of his email marketing strategy that delivered over 100 leads and 17 new referral partners in just 10 weeks, starting from zero. If you're tired of cold calls and want to attract agents instead of chasing them, this is a must-watch. Steve walks through the…
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AI, ChatGPT, and the Next Big Shift in Mortgage Marketing: Are You Ready for It?
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35:50Episode 594 Welcome to Loan Officer Freedom, the #1 podcast in the country for loan officers, hosted by Carl White. In this episode, Carl sits down with Chris Johnstone, CEO of Loan Officer CRM, to talk about one of the biggest changes the mortgage industry has ever faced, the rise of AI-powered search and how it's already reshaping where loan offi…
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Non-QM Unlocked: John Wise on the Evolution, Myths, and Future of Non-Qualified Mortgages
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40:44This episode features John Wise, EVP of Sales National Production at Newfi Lending, discussing the evolution and current landscape of Non-QM (Non-Qualified Mortgage) loans. Host Kenneth and John explore how Non-QM lending has changed since the subprime era, address common misconceptions among brokers, and highlight the growing opportunities in the …
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How Loan Officers Can Use AI to Land Realtor Referrals on Autopilot
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43:58In this episode of the Loan Officer Breakfast Club, Chris Johnstone takes the crew deeper into the world of AI for mortgage professionals, showing exactly how ChatGPT's new app integrations can save hours of work — and even generate referral-quality leads. You'll learn how to use ChatGPT's app store to connect with your calendar, email, and Spotify…
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Realtor Says "Stop Following Up So Much" – What Should You Do?
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34:55In this episode of Kristin's Corner, we dig into a real question from a loan officer: "A realtor told me to stop following up so much and to only call her once a month—what should I do?" This sparked a powerful group discussion with practical insights, mindset shifts, and real strategies on how to handle this kind of feedback without losing the rel…
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LOS.Live Presents: Michael Frey - Heart, Hustle and Truth
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41:43This episode is all gas, no brakes. Host Devin Dubuc and co-host Gretchen Shelton sit down with Michael Frey, founder of Armada Real Estate, who’s taking over the Florida market from Naples to Miami and beyond. From commercial to residential, Michael drops raw truth on what it really takes to win in today’s market: no gimmicks, no shortcuts, just h…
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Kevin Gillespie – Turning Average Products into Irresistible Offers
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12:50Episode 174 In this episode, Frank Garay sits down with Kevin Gillespie from The Leadership Academy to explore one of the Academy's six powerful pillars—how to separate yourself from the noise in today's crowded mortgage space. Kevin shares how top loan officers and branch managers can stand out by branding their products in a way that makes them u…
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Stop Competing on Price and Start Winning More Loans with Kevin Gillespie
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24:58Episode 593 Welcome to Loan Officer Freedom, the #1 podcast in the country for loan officers, hosted by Carl White. In this episode, Carl sits down with Kevin Gillespie, leader of the Leadership Academy at Mortgage Marketing Animals, to reveal how loan officers can stop competing on price and start winning with value. Kevin shares five key strategi…
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Will AI Replace Loan Officers? | Ep. 581
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31:49D.O. sits down with Alec Hanson, SVP of Sales at Loan Depot, for a high-energy, no-fluff conversation on how AI is radically transforming the mortgage and real estate industries. Alec shares his journey from humble beginnings as a receptionist to becoming a top producer, marketing executive, and now a sales leader.…
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Mortgage Rates Hit 18-Month Low – Here's How Loan Officers Should Capitalize NOW
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32:38With only 14% of the year left, Owen Lee dropped a critical mortgage market update on today's show—and it was the best news in months. Rates have dipped to their lowest point since mid-2022, and Owen breaks down exactly how loan officers should act now before conditions shift again. This session is packed with strategic advice: from why today is th…
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463. The One Asset You'll Regret Ignoring as a Loan Officer
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11:08Your database is your legacy. In this episode of the Loan Officer Leadership Podcast, Steve Kyles and Frank Garay break down the one thing most loan officers neglect—yet it holds the power to generate $9K to $27K per month when stewarded correctly. You'll learn: Why your database is the most valuable asset you own How to back it up, protect it, and…
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How AI Will Generate Referrals for Loan Officers: ChatGPT 101 with Chris Johnstone
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1:18:28This kickoff episode of The Loan Officer Marketing Podcast launches a 12-week live training series designed to turn traditional LOs into AI-powered producers. Chris breaks down how ChatGPT, Grok, and Gemini are already recommending loan officers — and how to position yourself to get referrals directly from AI before your competitors even wake up to…
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The "Race to the Top" Strategy: How Loan Officers Can Win More Agent Referrals
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33:02In this episode of the Loan Officer Breakfast Club, Steve Kyles and Frank Garay deliver a masterclass on how to scale your lead volume through a simple but powerful concept: The Race to the Top. If you're still calling the same 30 agents every week—or not tracking your lead sources at all—this is the wake-up call you didn't know you needed. You'll …
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Commercial Curious? Here's What You Really Need to Know (And What to Avoid)
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36:50Are you "commercial curious" but overwhelmed by the complexity of commercial lending? You're not alone. In this powerful LOBC episode, Frank Garay sits down with commercial lending pro Kelly Dutton to break down the real-world basics every loan officer needs to know when a commercial deal crosses your desk. You'll learn: Why location trumps everyth…
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The True Cost of Travel Sports | The D.O. Show
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17:56In the first episode of The D.O. Show, Dustin explores youth travel sports and the financial impacts it can have on your child's future education.De către Dustin Owen
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LO AI Basics 101 – Class 1: How to Set Up Your GPT for More Mortgage Leads
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44:18In this first session of LO AI Basics 101, Chris Johnstone walks you through exactly how to set up your ChatGPT account so it starts working for you—helping generate leads, boost your local authority, and even recommend you directly to borrowers. This setup process teaches the AI who you are, what you do, and which loan types you specialize in. It'…
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How Fif Ghobadian Went From $0 to $250M a Year Using a Pure Referral Model
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15:29FIF Ghobadian went from being denied for her own mortgage to funding over $250M/year — and she's on track for $350M next year. In this episode, she reveals the exact strategy that made her the #1 go-to lender inside top Compass offices without cold calls, ads, or dancing on TikTok. You'll learn: How FIF consistently gets 80%+ of her volume from top…
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What Owen Lee Thinks About the Fannie/Freddie IPO (And Why It Matters for Loan Officers)
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36:12In today's episode of the Loan Officer Breakfast Club, Owen Lee dives into the hot topic buzzing through the mortgage world: the potential IPO of Fannie Mae and Freddie Mac. With billions on the table and a high-stakes political backdrop, Owen explains why this move is less about releasing the GSEs from conservatorship and more about a headline-gra…
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Jeanne Kelly – The 30% Credit Balance Myth
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11:19Episode 173 In this episode, I sit down with Credit Expert Jeanne Kelly, who clears up one of the biggest credit myths out there — the idea that you should keep your revolving credit card balances at 30%. Jeanne explains why that's not necessarily the best strategy and breaks down how to time your balance reductions so they show up on your credit r…
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Win By Noon: The Morning Routine Top Originators Swear By | Ep. 580
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33:52D.O. sits down with mortgage industry legend Todd Bookspan for a candid conversation packed with career insights and industry secrets. Todd shares his unique journey from entrepreneur and bicycle shop owner to top-producing mortgage originator and coach. Discover the story behind his game-changing "Win By Noon" philosophy, how he built a 550+ unit …
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Is AI About to Disrupt Appraisals? Marlene Chaker Breaks It Down
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42:27In this episode of the Loan Officer Breakfast Club, veteran appraiser and AMC owner Marlene Chaker pulls back the curtain on how AI is reshaping the appraisal landscape—and what that means for loan officers. Marlene shares the real-world impact of AI-driven tools, including automated valuations, photo recognition, and data-scraping models. But whil…
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Mastering Content Creation: Insights from Filmmaker Jake Isham's Journey
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44:35In this episode of the Loan Officer Team Training Podcast, I had the chance to interview filmmaker and content creator Jake Isham. We discuss Jake's journey from acting to filmmaking and marketing, emphasizing the importance of content creation for entrepreneurs, particularly loan officers. Jake shares insights on overcoming self-consciousness in f…
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462. Why Realtors Ghost You, And What to Do About It (Part 3): No Proof, No Trust
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9:48've nailed the conversation. You've followed up. But if agents still aren't calling you back, here's the missing piece: proof. In this final episode of the 3-part series, Steve Kyles and Frank Garay break down the third reason loan officers get ghosted… making the same promises everyone else does, without the receipts to back it up. In this episode…
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The Truth About Credit Scores: Jeanne Kelly Breaks the 30% Myth
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31:49Credit expert Jeanne Kelly joined us on the Loan Officer Breakfast Club and dropped some serious truth bombs that every loan officer needs to hear. One of the biggest myths she debunked? The idea that clients should keep their credit card balances at 30%. Jeanne explains why that advice could be hurting credit scores—and what the real sweet spot is…
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How Erica Bille Is Closing Mortgage Deals on Autopilot with AI + Concierge Calling
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30:54Erica Bille went from solo originator to consistently growing her mortgage business using four scalable pillars — database marketing, qualified agent partnerships, live Concierge phone follow-up, and SEO + AI to get organic inbound deals. In this episode, she breaks down how she's stacking predictable deal flow without burning herself out making ca…
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The Secret to Explosive Growth in Real Estate (From Someone Who Lived It)
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40:04In this inspiring episode of Loan Officer Success Live, host Devin Dubuc sits down with co-host Jerry Holcomb and rising star Amber Purcell — a mom of four who went from waiting tables to becoming one of D Magazine’s Best Realtors of 2025 in just over two years. Amber opens up about her journey: Leaving a 13-year job as a waitress at Olive Garden S…
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The Freedom Caller Strategy: How to Secure Agent Appointments and Close More Loans
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45:03Most loan officers wait too long to hire a caller—and it's costing them business. In this episode, Carl White breaks down exactly how to deploy a "Freedom Caller" into your business the right way. From who to hire, what they need to say, an how to train them, Carl shares the complete blueprint that's already laid out inside the MMA platform. You'll…
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You Don't Need $2 Million to Make a Great Living
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9:43Episode 592 Welcome to Loan Officer Freedom, the #1 podcast in the country for loan officers, hosted by Carl White. In this episode, Carl shares a powerful perspective that every loan officer needs to hear. He explains why building a thriving mortgage business is actually a smarter and more profitable path than owning a franchise like McDonald's. H…
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Leading Through Change: Kenny Phillips on Empowerment and Culture in Mortgage Lending
29:25
29:25
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29:25Join host Kenneth Travis as he sits down with Kenny Phillips, Chief Sales Officer at EPM, for an inspiring conversation about leadership, culture, and the changing landscape of mortgage lending. Discover how teamwork, transparency, and empowerment drive success at EPM, and hear Kenny’s journey from the early days in finance to leading one of the in…
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The Future Is Now: How AI Will Run Your Business (If You Let It)
50:17
50:17
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50:17In this powerful session, Chris Johnstone breaks down how ChatGPT and AI assistants are quickly becoming the central hub for everything we do—email, social media, CRMs, work platforms, and beyond. We're heading toward a near future where voice-activated AI on your phone, glasses, or other devices will handle a major portion of your daily tasks. For…
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How Kevin Kenerson Generates 80% of His Business from Realtor Referrals
27:15
27:15
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27:15In this episode, Chris Johnstone interviews Kevin Kenerson — one of the top 100 loan officers in the U.S. — who reveals the exact process behind turning realtor partnerships into consistent, high-quality deal flow. Kevin shares how his relationship-first approach fuels nearly all of his production, even in a shifting market. Here's what you'll lear…
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Why You Should Lock Now Before the Market Gets Rocked
40:17
40:17
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40:17In this episode of the Loan Officer Breakfast Club, Owen Lee breaks down why now is the time to lock loans before the government reopens. With critical reports like jobs data, CPI, and PPI all pending release, the market is effectively flying blind—and once the floodgates open, volatility is almost guaranteed. Owen explains why bonds tied to higher…
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Linkybot Makes LinkedIn one of the Best Lead Gen Products Out There
14:49
14:49
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14:49Episode 172 In this episode, I sit down with Casey O'Toole, CEO of Linkybot.ai, to explore how this groundbreaking tool is transforming LinkedIn into a true lead and referral machine for loan officers. Linkybot uses AI to pinpoint the exact prospects you're looking for, automatically engages with them, nurtures those relationships, and even works t…
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