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

The 3 Moves That Will Double Your Business in 2026 (Start Now) 08.12.2025

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 If you're a loan officer looking to build serious momentum in 2026, this episode is a must-watch.  Kevin Gillespie joins the LOBC crew and lays out the three most powerful strategies that top prod...

Why Images Are Outperforming Video (And How Loan Officers Can Cash In) 05.12.2025

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 Chris Johnstone just revealed one of the most surprising shifts in digital marketing for loan  officers: images are now outperforming videos on platforms like Facebook and Instagram. In this power-pac...

Credit Costs Are Surging—What Loan Officers MUST Know Going Into 2026 04.12.2025

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 episode of the Loan Officer Breakfast Club, Owen Lee delivers a must-hear update on the surging costs of credit reports and what it means for loan officers heading into 2026. With four consecu...

"Stir the Pot" Strategy: The Simple Formula to Get More Business as a Loan Officer 03.12.2025

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 episode of the Loan Officer Breakfast Club, Frank Garay, Steve Kyles, Carl White, and  the crew deliver one of the most practical, repeatable strategies for driving consistent business— what t...

Unlock Hidden Income with SBA Loans: What Loan Officers Need to Know Now Video 02.12.2025

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 high-value episode of the Loan Officer Breakfast Club, special guest Kelly Dutton breaks  down the SBA loan world in a way every loan officer needs to hear. If you've ever thought SBA loans ar...

The Tactics Getting LOs More Deals Right Now (Even During the Holidays) 01.12.2025

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 high-energy episode of the Loan Officer Breakfast Club, Frank Garay and the LOBC crew  dive into what's actually working right now to bring in deals—even during the slower holiday season. From...

The #1 Strategy to Generate Referrals Right Now (Most LOs Miss This!) 26.11.2025

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 To learn more about the Loan Officer CRM visit: http://loanofficercrm.ai In this special pre-Thanksgiving episode of the Loan Officer Breakfast Club, Chris Johnstone  drops a goldmine of insight into...

The Million-Dollar Formula Every Loan Officer Needs to Hear 25.11.2025

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 episode of the Loan Officer Breakfast Club, the crew dives deep into what's truly driving top producers in today's market—and it's not magic, it's offers. Steve Kyles shares his "Million-Dolla...

Stop Chasing Agents – Start Attracting Them: Proven Tactics for Loan Officers 24.11.2025

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 episode of the Loan Officer Breakfast Club, we dive into the mindset and strategies that  are helping top-performing loan officers win more business—without burnout. From powerful email campai...

How Top LOs Are Using AI to Book More Realtor Meetings (Without the Headache) 21.11.2025

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 episode of the Loan Officer Breakfast Club, Chris Johnstone drops an absolute  masterclass on leveraging AI to generate high-quality real estate agent conversations at scale. If you're tired o...

Affordability Breakthrough: Why Now is THE Time for Buyers 20.11.2025

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 episode of the Loan Officer Breakfast Club, Owen Lee delivers one of the most data- driven and actionable market breakdowns we've seen all year. He unpacks the recent shift in home affordabili...

Unlocking the Science of Influence: Mastering Client Conversations with Roberto Monaco 19.11.2025

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 special extended edition of the Loan Officer Breakfast Club, we dive deep into the art and science of conversation with Roberto Monaco. He breaks down research-backed methods for communicating...

Holiday Referral Playbook for Loan Officers: Proven Client Gifts, BNI Wins, and a CRM Template 18.11.2025

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 episode of the Loan Officer Breakfast Club, the crew crowdsources real holiday marketing strategies that LOs are using right now to generate referrals and stay top-of-mind through the end of t...

How to Unlock Repeat Deals with DSCR Portfolio Loans | LOBC with Justin Hubbert 17.11.2025

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 episode of the Loan Officer Breakfast Club, guest Justin Hubbert from Park Place Finance breaks down one of the most powerful tools for investor clients—DSCR portfolio loans. If you've ever wo...

This AI Prompting Strategy Will Give You the Edge Over Other Loan Officers 14.11.2025

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 episode of the Loan Officer Breakfast Club, Chris Johnstone shares a game-changing, 5- step prompt framework for using ChatGPT (and other AI tools) to create powerful, customized marketing for...

The FSBO Magnet Strategy That'll Fill Your Pipeline Before Christmas 13.11.2025

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 episode of the Loan Officer Breakfast Club, Frank Garay and Carl White dropped a game- changing strategy that loan officers can use to win over real estate agents and help them land listings f...

This AI Tool Books Realtor Meetings While You Sleep 12.11.2025

Try LinkyBot at http://linkybot.ai/ Use promo code LOBC to get 20% off 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 What if LinkedIn worked for you—while you made your calls? In this episode, Casey O'Toole  introduces LinkyBot, a fully-managed A...

The Book Club Strategy That's Bringing In Closings – Jon Tober's Proven Agent Attraction Play 11.11.2025

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 Want to attract top-producing agents without cheesy sales pitches or endless follow-ups? In this episode, Frank Garay and Carl White bring on Jon Tober, who shares his wildly effective "Book Club Stra...

Crushing Call Reluctance: The #1 Thing Holding Loan Officers Back! 10.11.2025

In this powerful episode of the Loan Officer Breakfast Club, Frank Garay is joined by heavy hitters Kevin Gillespie, Steve Kyles, Carl White, and others to tackle one of the most common and costly struggles for LOs: call reluctance . You'll hear real strategies—backed by experience and results—on how to overcome fear of rejection, break through mental hesitation, and turn outbound calls into consi...

This AI Strategy Is Booking Loans From Your Database on Autopilot 07.11.2025

In 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 the power of your database. Learn how to build yo...

$10 Strategy to Win More Agent Referrals + Key Fed Update for LOs 06.11.2025

In 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 he raised his threshold from $30K to $60K and how...

Why Most Loan Officers Lose Leads (And How You Can Win Them Every Time) 05.11.2025

In 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 high-converting follow-up cadence that any LO can...

This Script Books $18K Realtor Appointments: The "If I Could, Would You?" Close 04.11.2025

If 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 pipeline, how Teresa leveraged title company lists into...

How to Generate 101 Leads in 10 Weeks Without Making a Cold Call 03.11.2025

In 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 exact cadence, tools, and scripts he's using to...

How Loan Officers Can Use AI to Land Realtor Referrals on Autopilot 31.10.2025

In 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, plus how to automate deep market research on loc...

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