Carl White

Loan Officer Breakfast Club

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!

Author

Carl White

Category

Education

Latest episode

May 5, 2026

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Episodes

186 Units, Handwritten Notes & The Real Secret of Top Producers 24.02.2026

LIVE Zoom Meeting Access: https://www. BreakfastClubZoom.com   Free Strategy Call for Loan Officers: https://www.90DayMapout.com   Learn More About Us: https://www. MortgageMarketingAnimals.com What actually separates top-producing loan officers from everyone else? On this episode of Loan Officer Breakfast Club, we break down powerful insights straight from a Cancun top-producer event — and the an...

The Hidden Habit of Top Producers: Why Your Marriage Impacts Your Mortgage Business 23.02.2026

LIVE Zoom Meeting Access: https://www. BreakfastClubZoom.com   Free Strategy Call for Loan Officers: https://www.90DayMapout.com   Learn More About Us: https://www. MortgageMarketingAnimals.com What's the real difference between average loan officers and top producers? At a recent top producer retreat, Jimmy Reed expected to walk away with tactics, scripts, or marketing plays. Instead, the biggest...

AI Isn't Taking Your Job — It's Taking Your Process (Here's How LOs Win) 20.02.2026

LIVE Zoom Meeting Access: https://www. BreakfastClubZoom.com   Free Strategy Call for Loan Officers: https://www.90DayMapout.com   Learn More About Us: https://www. MortgageMarketingAnimals.com Artificial intelligence is moving fast — but the real opportunity for loan officers isn't chasing  shiny new tech. It's using AI strategically to generate more referrals, close more loans, and streamline yo...

Rates Just Hit a 3-Year Low… And 45% of the Market Is Refi Again 19.02.2026

LIVE Zoom Meeting Access: https://www. BreakfastClubZoom.com   Free Strategy Call for Loan Officers: https://www.90DayMapout.com   Learn More About Us: https://www. MortgageMarketingAnimals.com Mortgage rates are now sitting at the best levels we've seen in three and a half years — and the  impact is already showing up in the numbers. In this episode of Loan Officer Breakfast Club, Owen Lee breaks...

Why Your Realtor's Leads Aren't Closing (And the 5 Numbers That Fix It) 18.02.2026

LIVE Zoom Meeting Access: https://www. BreakfastClubZoom.com   Free Strategy Call for Loan Officers: https://www.90DayMapout.com   Learn More About Us: https://www. MortgageMarketingAnimals.com If you've got a loyal agent sending you "tons of leads" but none of them are closing, this episode  is for you. On today's Loan Officer Breakfast Club, we tackled a frustrating scenario: you like the agent,...

The 3-Number Fix Every Loan Officer Needs Right Now (Stop Guessing, Start Closing) 17.02.2026

LIVE Zoom Meeting Access: https://www. BreakfastClubZoom.com   Free Strategy Call for Loan Officers: https://www.90DayMapout.com   Learn More About Us: https://www. MortgageMarketingAnimals.com If your January was strong but February feels shaky… or if you're busy but still nervous about  what's coming next… this episode is your reset button. Robyn LaVassaur breaks down the simplest and most power...

From Overwhelmed to Scaled: How Top Loan Officers Handle Growth Without Burning Out 16.02.2026

LIVE Zoom Meeting Access: https://www. BreakfastClubZoom.com   Free Strategy Call for Loan Officers: https://www.90DayMapout.com   Learn More About Us: https://www. MortgageMarketingAnimals.com What happens when your prospecting finally works… and now you're buried in leads? On this President's Day session of the Loan Officer Breakfast Club, the conversation turned into a masterclass on scaling. O...

From 52 Calls to $3,200 in a Day — Plus the AI Strategy That Could Send You Referrals 13.02.2026

LIVE Zoom Meeting Access: https://www. BreakfastClubZoom.com   Free Strategy Call for Loan Officers: https://www.90DayMapout.com   Learn More About Us: https://www. MortgageMarketingAnimals.com Yesterday's Loan Officer Breakfast Club was a masterclass in two things: making the calls and  preparing for the future. The Call Blitz results were undeniable. Loan officers reported 50+ calls, multiple ne...

From 14 Employees to 60+ — How Clayton Collins Built HousingWire Into the Voice of Housing 12.02.2026

LIVE Zoom Meeting Access: https://www. BreakfastClubZoom.com   Free Strategy Call for Loan Officers: https://www.90DayMapout.com   Learn More About Us: https://www. MortgageMarketingAnimals.com What does it take to build one of the most influential media brands in housing? On this episode of Loan Officer Breakfast Club, Clayton Collins, CEO of HousingWire, breaks down the strategy behind scaling a...

The 4 Numbers Every Loan Officer Must Track (Or Risk Falling Behind) 11.02.2026

LIVE Zoom Meeting Access: https://www. BreakfastClubZoom.com   Free Strategy Call for Loan Officers: https://www.90DayMapout.com   Learn More About Us: https://www. MortgageMarketingAnimals.com What if the problem in your business isn't the market… but what you're measuring? On this episode of Loan Officer Breakfast Club, Carl White breaks down the "Fanatic Four" — the four critical metrics every...

3 Things Every Loan Officer Must Do to Win Right Now (Rudy Deavers Breaks It Down) 10.02.2026

LIVE Zoom Meeting Access: https://www. BreakfastClubZoom.com Free Strategy Call for Loan Officers: https://www.90DayMapout.com Learn More About Us: https://www. MortgageMarketingAnimals.com What separates loan officers who want more business from those who actually produce it? In this episode of the Loan Officer Breakfast Club, Bill "Rudy" Deavers—consistently closing 9–13 loans per month—shares t...

Can Loan Officers Learn to LOVE Accountability? (And Why It Creates More Deals) 09.02.2026

LIVE Zoom Meeting Access: https://www. BreakfastClubZoom.com Free Strategy Call for Loan Officers: https://www.90DayMapout.com   Learn More About Us: https://www. MortgageMarketingAnimals.com Can accountability actually feel good — and lead to more loans? In this episode of the Loan  Officer Breakfast Club, top-producing loan officers and coaches break down how accountability shifts from something...

How Loan Officers Are Getting Referred by ChatGPT (Power Dialer System Inside) 06.02.2026

LIVE Zoom Meeting Access: https://www. BreakfastClubZoom.com   Free Strategy Call for Loan Officers: https://www.90DayMapout.com   Learn More About Us: https://www. MortgageMarketingAnimals.com What if ChatGPT started sending you real mortgage leads? On this episode of the Loan Officer Breakfast Club, the conversation takes a major turn when multiple loan officers share real-world examples of borr...

Why "Buy Now" Is the Strongest Housing Message in 3 Years (MBA Data You Can Use) 05.02.2026

LIVE Zoom Meeting Access: https://www. BreakfastClubZoom.com   Free Strategy Call for Loan Officers: https://www.90DayMapout.com   Learn More About Us: https://www. MortgageMarketingAnimals.com In this episode of the Loan Officer Breakfast Club, Owen Lee joins the show live from the  Independent Mortgage Bankers Conference to break down exactly what loan officers should be saying in today's market...

Stop Winging It: The Lead Follow-Up System Top Producers Actually Use 04.02.2026

LIVE Zoom Meeting Access: https://www. BreakfastClubZoom.com   Free Strategy Call for Loan Officers: https://www.90DayMapout.com   Learn More About Us: https://www. MortgageMarketingAnimals.com   If you're relying on one call, one text, and one email to convert leads, this episode will  completely change how you think about follow-up. In this Loan Officer Breakfast Club, the group breaks down what...

Stop Doing This: The "Busy Work" That's Quietly Killing Your Production 03.02.2026

LIVE Zoom Meeting Access: https://www. BreakfastClubZoom.com Free Strategy Call for Loan Officers: https://www.90DayMapout.com Learn More About Us: https://www. MortgageMarketingAnimals.com Most loan officers don't need more hours in the day. They need to stop spending their best hours on the wrong stuff. On today's Loan Officer Breakfast Club, Carl White flipped the script and let the community a...

The Hidden Deals You're Leaving on the Table (How to Close the Gap with Realtors) 02.02.2026

LIVE Zoom Meeting Access: https://www. BreakfastClubZoom.com   Free Strategy Call for Loan Officers: https://www.90DayMapout.com   Learn More About Us: https://www. MortgageMarketingAnimals.com Most loan officers don't have a lead problem — they have a gap problem . In this episode of the Loan Officer Breakfast Club, Jimmy Reed breaks down a simple but powerful concept: the difference between how...

How Loan Officers Are Winning Referrals Using ChatGPT (Real Examples Inside) 30.01.2026

LIVE Zoom Meeting Access: https://www. BreakfastClubZoom.com    Free Strategy Call for Loan Officers: https://www.90DayMapout.com    Learn More About Us: https://www. MortgageMarketingAnimals.com In this powerful Friday edition of the Loan Officer Breakfast Club, Chris Johnstone shares real-world proof that loan officers are landing clients through ChatGPT—and shows you exactly how to do it. You'l...

Owen Lee Breaks Down Rate Trends, LLPAs & Why the Fed's Dissent Matters 29.01.2026

LIVE Zoom Meeting Access: https://www. BreakfastClubZoom.com   Free Strategy Call for Loan Officers: https://www. MortgageTrainingCall.com   Learn More About Us: https://www. MortgageMarketingAnimals.com In this powerful episode, Owen Lee delivers a clear and insightful breakdown of the mortgage market post-Fed meeting. He explains why the market stayed steady, what the Fed's subtle language means...

The One Thing Keeping Buyers on the Fence—and How Loan Officers Can Fix It 28.01.2026

LIVE Zoom Meeting Access: https://www. BreakfastClubZoom.com   Free Strategy Call for Loan Officers: https://www.90DayMapout.com   Learn More About Us: https://www. MortgageMarketingAnimals.com In this high-energy episode of the Loan Officer Breakfast Club, Steve Kyles drops a masterclass  in how to help real estate agents re-engage cold leads and convert hesitant buyers. He breaks down the three...

From Chaos to Closings: The Daily Habits That Turn Loan Officers Into Top Producers 27.01.2026

LIVE Zoom Meeting Access: https://www. BreakfastClubZoom.com   Free Strategy Call for Loan Officers: https://www.90DayMapout.com   Learn More About Us: https://www. MortgageMarketingAnimals.com In this powerful episode of the Loan Officer Breakfast Club, the crew dives deep into practical,  results-driven strategies for growing your business—starting with your phone. Robyn LaVassaur shares her exa...

The Most Powerful Email Loan Officers Aren't Sending (But Should Be) 26.01.2026

LIVE Zoom Meeting Access: https://www. BreakfastClubZoom.com Free Strategy Call for Loan Officers: https://www. MortgageTrainingCall.com Learn More About Us: https://www. MortgageMarketingAnimals.com In this action-packed Breakfast Club episode, Carl White breaks down the magic of the "9-word email" — a deceptively simple, wildly effective tool for waking up old leads and sparking new business. Le...

How Loan Officers Are Using AI to Build Weekly Newsletters & Win Referrals 23.01.2026

LIVE Zoom Meeting Access: https://www. BreakfastClubZoom.com   Free Strategy Call for Loan Officers: https://www.90DayMapout.com   Learn More About Us: https://www. MortgageMarketingAnimals.com AI is changing the game for loan officers—and this episode shows you exactly how. Chris Johnstone gives a live demo of ChatGPT Atlas that reveals how you can generate a fully formatted real estate newslette...

Why Now Is the Best Time to Buy Since the Pandemic (And How LOs Can Win Big) 22.01.2026

LIVE Zoom Meeting Access: https://www. BreakfastClubZoom.com Free Strategy Call for Loan Officers: https://www.90DayMapout.com Learn More About Us: https://www. MortgageMarketingAnimals.com In this episode of Loan Officer Breakfast Club, Owen Lee returns with a powerful market update  and insights every loan officer needs right now. He breaks down why 2026 has kicked off with some of the strongest...

The #1 Thing Holding Loan Officers Back (And How to Crush It) 21.01.2026

LIVE Zoom Meeting Access: https://www. BreakfastClubZoom.com Free Strategy Call for Loan Officers: https://www.90DayMapout.com Learn More About Us: https://www. MortgageMarketingAnimals.com What's really stopping you from doubling your business this year? According to Kevin Gillespie  and the LOBC crew, it's not lack of knowledge—it's call reluctance. In this episode, Kevin walks through exactly w...

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