Mortgage Loan Officer Podcast

Episode 170 In this episode, I sit down with Chris Johnstone to discuss how he and his team have cracked the code on getting ChatGPT and Grok to refer customers directly to mortgage loan officers and companies. This isn't a simple trick—it's a groundbreaking advancement where clients are now seeing loan applications come in fully on the recommendation of AI. Over the years, the mortgage industry h...

Episode 169 In this episode, I sit down with Michael Harris from United Financial Freedom to explore a debt elimination strategy that works unlike anything else on the market. This isn't debt consolidation, credit repair, or a gimmick—it's a precise and highly effective system designed to help clients eliminate debt faster and with greater accuracy. For loan officers, this program offers two major...

Episode 168 In this episode, Frank Garay sits down with Steve Kyles to talk about one of the most overlooked — and most profitable — referral strategies out there: getting agents to refer you to other agents. Most loan officers are laser-focused on winning one agent at a time… but what if every great agent you work with could open the door to 3 or 4 more, just like them? Frank and Steve break down...

In this episode, I sit down with Justin Hubbert from Park Place Finance to dig into the opportunities surrounding Construction Loans . Justin breaks down how Park Place can help get these loans funded and why construction financing is such a powerful tool for loan officers looking to grow their business. We also talk strategy—specifically how loan officers can use Park Place's construction product...

Episode 166 In this episode, I sit down with  Shannon Conradi from Propy Title & Escrow , one of the most innovative companies reshaping the real estate industry. Propy is making waves nationwide by pioneering real estate transactions using cryptocurrency , providing marketing support for agents , and even offering their own digital currency. Shannon shares how Propy is revolutionizing the way dea...

Episode 165 In this powerful episode, Steve Kyles and I unpack how the Loan Officer AI CRM is transforming the mortgage industry . We dive deep into the impact it's made on our businesses—specifically how it's replaced three to four other services most loan officers rely on, all in one platform. But the real game changer? Live Zoom Support. Unlike other CRMs that leave you to figure it all out, Lo...

Episode 164 In this episode, I sit down with Steve Kyles to explore the power of finding a niche as a loan officer. We break down why having a niche doesn't mean you're limiting yourself—it actually opens doors. A clear niche helps you stand out, attract the right attention, and build credibility with producing real estate agents. The best part? Once you're trusted in one area, it becomes easier t...

Episode 163 In this episode of the Mortgage Loan Officer Podcast, I sit down with industry icon Ginger Bell to talk about her brand-new book on leadership and how mortgage professionals can apply its principles to grow personally and professionally. We dive into the key takeaways from the book, how leadership shows up in everyday moments, and how LOs can step into greater influence—whether they ma...

Episode 162 In this episode, I sit down with Brett from Community Wholesale Lending to dive into one of the most powerful down payment assistance programs available today — the DPA100 . We break down what makes this program different, how it's helping more buyers get into homes, and why loan officers across the country are adding it to their toolbox. With no income restrictions, non-occupant co-bo...

Episode 161 In this episode, I sit down with Steve Kyles to talk about a powerful moment from a recent Loan Officer Breakfast Club call featuring Joanne Johansen. After 30 years in the business, Joanne is having her best months ever—closing over 13 loans a month—and what impressed us most was her mindset. She said she's willing to be coached . That's rare in our industry, especially among seasoned...

Episode 160 In this episode, I sit down with Chris Johnstone, founder of the Loan Officer AI CRM, to talk about the fast-moving world of AI in the mortgage industry. While many loan officers feel overwhelmed or like they're falling behind, Chris explains why that's not the case—and how staying tuned in is the key to staying ahead. We dive into how AI is being used right now, what tools are making...

Episode 159 In this powerful and personal episode, I sit down with Steve Kyles for a deep dive into a simple but life-changing mindset: There's no way out—just through. Steve shares how this commitment has shaped his marriage, his family life, and his resilience in the face of life's challenges. We talk honestly about what it means to be truly all-in and how that kind of resolve can transform not...

Episode 158 Welcome to another epic episode of The Mortgage Loan Officer Podcast, with your host, Frank Garay. In this laid-back and inspiring episode, I catch up with Megan Anderson from MBS Highway, who's been living the van life for the past 240 days! This is a fun follow-up interview where we dive into her travel adventures, lessons from the road, and how she's continuing to help loan officers...

Episode 157 Welcome to another epic episode of The Mortgage Loan Officer Podcast, with your host, Frank Garay. In this episode, I sit down with my good friend and business partner, Dru Brents, co-founder of Broker Plus / PreApp1003, to talk about why thousands of brokers are making the move to this all-in-one platform.  We break down what makes PreApp1003 different—how it simplifies the mortgage p...

Episode 156 Welcome to another epic episode of The Mortgage Loan Officer Podcast, with your host, Frank Garay. On this episode of the Mortgage Loan Officer Podcast, I'm joined by Brandon Barnum, CEO of Raving Referrals, to introduce a powerful opportunity for loan officers. Brandon shares details about a certification program that equips LOs to teach real estate agents how to generate more referra...

Welcome to another epic episode of The Mortgage Loan Officer Podcast, with your host, Frank Garay. In this episode of the Mortgage Loan Officer Podcast, Frank Garay sits down with Josh Pitts of Shred Media for a wild ride—literally and professionally. Josh gives us a gripping update on his family's journey sailing the world on a catamaran, including a heart-pounding moment off the coast of Puerto...

Episode 154 Welcome to another epic episode of The Mortgage Loan Officer Podcast, with your host, Frank Garay. In this episode of the Mortgage Loan Officer Podcast, I sit down with Chelsea Gardner, CEO of FullyAlignedMarketing.com , to uncover some major changes to Facebook marketin g that loan officers need to know—especially when working with real estate agents.  Chelsea reveals how recent updat...

Episode 153 Welcome to another epic episode of The Mortgage Loan Officer Podcast, with your host, Frank Garay. In this episode, I'm pulling back the curtain on my journey into the investor loan space — and specifically, how I closed a $2.1 million cannabis loan in Sacramento, CA. I'll walk you through what made this deal unique, the challenges I faced, and how I navigated the ins and outs of a hig...

Episode 152 Welcome to another epic episode of The Mortgage Loan Officer Podcast, with your host, Frank Garay. In this episode of the Mortgage Loan Officer Podcast, we're excited to announce that Loan Officer Breakfast Club replays are now available nationwide for free — so no matter where you are, you can plug in and get the inspiration and tactics you need.  We'll also touch on the latest mortga...

Episode   151 Welcome to another epic episode of The Mortgage Loan Officer Podcast, with your host, Frank Garay. In this episode of the Mortgage Loan Officer Podcast, I sit down with Chris Johnstone from Mortgage Marketing Animals to talk about the Loan Officer CRM—and more specifically, its powerful built-in AI assistant.  I share my personal experience of how the assistant s cheduled an appointm...

Episode   150 Welcome to another epic episode of The Mortgage Loan Officer Podcast, with your host, Frank Garay. In this episode of the Mortgage Loan Officer Podcast, I sit down with Steve Kyles to break down the eye-opening numbers from our recent Call Stars Blitz . The data proves that 18% of the people we have a conversation with—when properly asked for the business—will have a referral for us....

Episode   149 Welcome to another epic episode of The Mortgage Loan Officer Podcast, with your host, Frank Garay. In this episode of the Mortgage Loan Officer Podcast, I sit down with Steve Kyles to discuss the huge benefits of community and accountability when it comes to staying disciplined and hitting your goals. If you're trying to succeed as a loan officer, going at it alone is a mistake! We b...

Episode   148 Welcome to another epic episode of The Mortgage Loan Officer Podcast, with your host, Frank Garay. In this episode of the Mortgage Loan Officer Podcast , I sit down with Casey O'Toole, the creator of Linkybot.ai, a game-changing AI tool designed to help mortgage professionals find, engage with, and set appointments with their ideal prospects on LinkedIn—on autopilot!  Linkybot.ai sea...

Episode   147 Welcome to another epic episode of The Mortgage Loan Officer Podcast, with your host, Frank Garay. In this episode, I sit down with Steve Kyles to talk about the power of strategic scripting when asking for the business. A small tweak in your approach can make a massive difference—quadrupling your results with the same effort. We break down the psychology behind an effective ask, sha...

Episode   146 Welcome to another epic episode of The Mortgage Loan Officer Podcast, with your host, Frank Garay. In this episode of the Mortgage Loan Officer Podcast, I sit down with Steve Kyles to tackle one of the toughest parts of our business—handling difficult conversations when a deal is about to be delayed or fall apart, often through no fault of our own. Steve shares his expert strategies...