The Loan Officer Podcast

He’s no Barry Habib and no Dan Rawitch. However, D.O. does his best to fulfill a fan request and bore JC. How are mortgage rates determined? What is their correlation to the 10-year treasury? What’s the difference between price and rate? How often to rates change? Tune in to hear to these questions and so much more. Homebuyers will be blown away at the complexity, Realtors will their heads spinnin...

Mortgage refinances still make up 1/3rd of all mortgage applications - even though home loan rates have increased in the past 18 months. According to CNBC, refinance applications for new mortgages also recently increased. In this episode - D.O. discusses why this happening and how it could be beneficial for LOs, homeowners and the real estate industry. www. TLOPonline.com for MORE CONTENT!

D.O. and JC spent two days at the NAMMBA Connect Conference - where they heard from industry experts and networked with mortgage and real estate professionals. This episode was recorded in front of a live studio audience - as D.O. shares insight from the conference and answers questions from the audience. www. TLOPonline.com for MORE CONTENT!

Currently, there are three different class action lawsuits that could upend the way that sellers sell houses and buyers buy homes. Could this be a good thing for homebuyers - or could this make the home buying more expense and less attainable? Only time will tell. Why’re these happening? Your guess is as good as ours - but we think it has something to do with money. www. TLOPonline.com for MORE CO...

The short answer is, “it depends”. Tune in and hear DO explain why for some mortgage sales professionals - it’s an absolute waste of money to purchase leads - and why for others - it’s a totally acceptable way to diversify how they run their business. www. TLOPonline.com for MORE CONTENT! #TheLoanOfficerPodcast #TLOP #Leads

Housing Inventory is at an all-time low. Unfortunately, there’s not much help on the way. If homebuyers, real estate agents and mortgage loan originators want to create more housing inventory, they can. They will do this by either renovating homes in disrepair or contracting local home builders to build the buyer’s home of their dreams. Both of these executions require special financing. That fina...

With the job market beginning to constrict - D.O. dives into the strategies and tactics behind what =it takes to become a standout candidate when looking for a new career. #TheLoanOfficerPodcast #TLOP #NewCareer

With rental rates slowing and short-term rental income decreasing, while property taxes and insurance premiums move higher - many small real estate investors are wondering if now is the right time to sell their rental property. Short Answer: It depends. Tune in to hear the pros and cons of selling now vs holding. More Loan Officer Coaching Content: www. TLOPonline.com! 

DO discusses why the CFPB recently fined Freedom Mortgage for $1.7M and Realty Connect for $200k. The CFPB protects all consumers throughout all financial services not just mortgage. Tune in to hear what DO likes best and where he feels they could benefit from change.

Real talk. They lied to you. DO will tell you how and why...

This is a long one folks and well worth every minute. Tune in and learn. Be inspired. Laugh. Cringe at times if you must. (Like when Amir does not understand basic references to American Football or when DO refers to himself by the wrong name.) In this episode DO, Justin and Amir sit down and talk shop. They discuss lessons learned, what it means to become a “Modern LO” and what skills are require...

Regardless of industry, successful sales teams learn how to uncover their client’s pain and then offer a solution. This entails eliciting emotional responses which typically come from learning how to ask the right questions and pick up on the underlying fears, concerns, excitement and anxieties of your target audience. In this episode they discuss what they have recently learned about their own sa...

It is rare to earn a second chance to do things better. However, today’s market offers just that; a second chance. On this episode we are honored to have Tony Thompson on as the guest host. Tony is a fellow CMB, former LO turned mortgage executive who currently works as the CEO of the National Association Minority Mortgage Bankers of America (NAMMBA). D.O. and Tony discuss the future homebuyer, di...

👉 www.tloponline.com for MORE CONTENT! 👈 In this episode D.O. sits down with Dave Savage. They cover everything from how Dave got his start in the industry as LO to the inspiration behind the founding of Mortgage Coach. Dave and Dustin explore discuss the lessons learned, pop music, favorite books as well as what are the great originators are doing in today’s market to stay on top of their game....

Kristi Service stops by to discuss her new book, what she is doing to in order to consistently produce at a high level in the mortgage industry, and how she utilized emotional intelligence and personality profiling to separate herself from other business professionals.

In just three years, Bryce Bradley has built a mortgage brokerage that will fund over $150 million in volume. If you’re considering starting your own brokerage - tune in and hear Bryce’s first-hand account of what he has learned and experienced through his journey. Bryce successfully demonstrates how he went from a wholesale account executive to a mortgage broker, and eventually, co-owner of his o...

D.O. interviews top producing mortgage broker Grant Hall with Rosegate Mortgage. Grant is on pace to fund over $50 million in loan volume in 2023 - and this is just his third year in the industry. In his first year, he funded over $20 million. Learn the secrets to Grant’s success by tuning into this episode. 👉 www. TLOPonline.com for more Loan Officer Training Content!

There are three major changes and/or issues happening in the US banking sector that everyone needs to be aware of. The first is a proposed 20% increase to capital requirements for banks, the second is Basel-3 and the third is the most alarming - the amount of commercial loans that are anticipated to go into default starting in 2024. All three of these issues will impact residential real estate as...

Equity is not the profit in your home - it’s a combination of the money you’ve contributed to the purchase of your home - as well as paying down your mortgage, added to your home’s appreciation. Think of home equity an another asset such as a savings account, stock account or retirement account. For many homeowners, not leveraging their home’s equity comes with an opportunity cost. For others, tra...

This episode teaches the 5 steps to successfully purchase your first home. Realtors will want to share this with their clients, LOs will want to share this with their referral sources. www. TLOPonline.com for more homebuyer tips!

Too many times in sales and business - we are our own worst enemy. This includes self-sabotage and not keeping all things in perspective. More Content for Loan Officers: www. TLOPonline.com  

Anyone who is successful at sales or in business has been exactly where you are today. You may feel lost. You may be scared. You may even not know where to start. This is all normal.  It’s even OK. What’s not OK, is doing nothing about your situation. Noting changes if nothing changes. Tune in to hear DO and JC I’ve real-time, proven solutions to mortgage sales professionals who are currently stru...

Very few who achieve high levels of success achieve it alone. Whether in business, marriage, personal finance or success in a sport - outside coaching is the common denominator. Instead of asking yourself if you’re ready for a coach - you should ask yourself if you’re ready for change. www. TLOPonline.com for MORE CONTENT!

From our personal lives to our business lives - we all have things that are getting in our way as it pertains to achieving certain goals. This episode is dedicated to discussing the typical causes of people’s inaction - while also giving suggestions on how to work through these obstacles. www. TLOPonline.com for MORE FREE CONTENT!

Whether it’s your marriage, relationship with your kids, or the status of your business, it’s imperative to take the time every year to conduct a mid-year review. Discuss what has gone right, contemplate what could have gone better and realign your goals and aspirations based on current conditions - such as the market, economy or progress you’ve made to date. www. TLOPonline.com for MORE FREE CONT...