The Loan Officer Podcast

D.O. sits down with Cynthia Meyers - a reverse mortgage expert. In the past 17 years she’s assisted over 1,400 seniors improve their quality of life through a reverse mortgage.  In this episode, Cyndi explains what is a reverse mortgage, how these mortgages are safer today than they’ve ever been in the past and shares a story about one of her 103 year old clients.  By tuning in you’ll learn guidan...

www. TLOPonline.com for MORE CONTENT! D.O. and JC give an update on the future of TLOP - and touch on the current trends within the mortgage industry. 

You know him as Alvarro from “The Walking Dead”. He was a Bro in Marvel’s Hawkeye. Not only is Carlos Navarro a Hollywood actor and local radio personality - he’s a life coach and motivational speaker who teaches and speaks from his own successes and failures. www. TLOPonline.com for MORE CONTENT!

The latest news regarding mortgage company earnings is terrifying. If something doesn’t change fast, implosion across the industry will ensue. D.O. is trying not to be the boy who cried wolf - however - numbers don’t lie and these earnings numbers are scary at best. What does all this mean?  www. TLOPonline.com for MORE CONTENT!

In this highly entertaining episode, you’ll be treated to:  Using Tex refunds to purchase real estate How owing the IRS could lead to mortgage denial could prevent mortgage qualification (Denial) Rocket and UWM losing money Homebridge being purchased by CMG  Rumors about Annie Mac and Family First Mortgage The future of the TLOP Old report cards www. TLOPonline.com for MORE CONTENT!

With the recent events of Signature and SVB, D.O. and JC fulfill a fan request and discuss the current events, how they happened and what is expected in the future. Please understand that  this is the world according to D.O., explained in a manner that makes sense to him. They take a complex situation and try to explain in digestible terms. They first discuss how the failures occurred - then wrap...

Justin is a mega producer in the world of mortgage loan originators. His story is even more incredible than his production. Learn how this college dropout, one-time runner on the Chicago Board of Exchange turned call center sub-prime loan rep into a self-sourced, purchase focused, elite mortgage professional.  www. TLOPonline.com for MORE CONTENT!

D.O. discusses the proper mindset that all sales professionals should have when it comes to generating and keeping wealth.  www. TLOPonline.com for MORE CONTENT!

D.O. takes a deep dive and explores how Realtors and loan officers work together. He also explains the truth behind what homebuyers should know about who is responsible for getting your loan closed properly and on time.  www. TLOPonline.com for MORE CONTENT!

Change is afoot in the mortgage industry. Recently, the VA announced that they are their funding fee and FHA is lowering their monthly mortgage insurance. This will save active duty and eligible military veterans hundreds to thousands of dollars on their mortgage loan amount. It will save the average FHA borrower $75-$100 per month.  www. TLOPonline.com for MORE CONTENT!

Homebuyers, Realtors and loan officers listen up. This episode will save you thousands. There are three types of offers one can make and get accepted by a seller. There’s the risk-free offer. There’s the over-the-top-so-I-have-to-accept offer. And then, there’s the offer that is just right. Working with a lender who helps you structure the ‘just right offer’ can save you $5k-$10k in purchase price...

GO TO www. TLOPonline.com for MORE CONTENT! In this episode, D.O. shares some of the best insights, mindsets and practices that he's picked up from top leaders from across the mortgage industry.

Don’t go at it alone. When studying the most successful people in life and in business, it is learned that the highly successful invest in themselves. Sometimes you’re paying for access and other times you’re paying for accountability. Sometimes you’re paying for prospective, and other times you’re paying for innovation. None the less, if you’re serious about who you are, what you do and/or the re...

This episode benefits homebuyers and mortgage loan originators. Too many times, homebuyers don’t understand exactly how a real estate agent is compensated. This lack of understanding clouds their judgment on when and how to hire a Realtor.  For MLOs, fully understanding a Realtor’s business and how they’re compensated will only make you a better professional. Lastly, if you’re considering a career...

The storm that presented itself in 2022 will push through by mid-year 2023. However, there’s still more damage to be inflicted. Currently, in the mortgage secondary markets, there’s a high probability of mortgage servicing rights (MSRs) flooding the market. When this happens, there will be a gluttony of supply with only a limited amount of demand. On the surface level, this will make the pricing o...

D.O. goes off! This is a must watch & listen episode for anyone who’s serious about living their best life. He discusses the best ROI, being dumb, earning money, networking, and patterns. After you’re done consuming this episode, make sure you forward this to three people you care about.  www. TLOPonline.com for MORE CONTENT! 

Recent announcements from the government sponsored entities (GSE) now penalize qualified homebuyers who’s debt-to-income ratio (DTI) exceeds 40%.  Many times, a final DTI is unknown until days before the scheduled closing date. Meaning, the locked in or quoted interest rate may not be accurate. Additionally, the automated underwriting software used in the majority of conventional conforming home l...

On this episode, Coach Bobby Franchise stops by the TLOP Headquarters to talk all things personal development, sales coaching, real estate and real estate investing with D.O. Bobby’s personal story and career successes teaches that anything is possible for those who learn to stay in line. Visit www. TLOPonline.com for MORE CONTENT!

Caring for a loved one who financially can’t stand on their two feet, but are fiercely independent can be a challenging. The Family Opportunity Home Loan allows for primary caretakers to purchase real estate for their adult dependents with as little as 5% down.  Similarly, paying for housing while your kid attends college can be an absolute financial drain. Learn how - with your help - your colleg...

There’s nothing new about LLPAs - however, they are all up in the news. Now is the time for homebuyers, homeowners and mortgage professionals understand what they are and how they impact a consumer’s interest rate and/or the fees they pay at closing.  Visit www. TLOPonline.com for MORE CONTENT!

In this episode, D.O. interviews Andrew Wagner with Churchill Mortgage. Andrew entered the mortgage industry straight out of college just five years ago. By his second full year he became a top producer with over $40 million in volume funded. From there he has only increased his production and therefore the commissions earned. Listen to how simple success is for those like Andrew who are not afrai...

Some of the most successful people we know are boring. This doesn’t mean they are boring when pitching a client, giving a presentation or aren’t fun to hang out with. It means they’re predicable with how they approach life and businesses. They are systematized and business oriented. If you desire achieving the highest level of success - work on simplifying your life. Visit www. TLOPonline.com for...

Mega mortgage producer, Ian MacDonald (NMLS 546443) joins D.O. as a guest on this episode. Ian is a consistent $100M+ producer, podcast host and philanthropist. Tune in and Ian will describe how he went from high school math teacher to mortgage pro - while sharing the lessons he learned along the way. Further, he shares how you could become the master of your own market through podcasting and teac...

JC plays the role of a real TLOP fan and D.O. coaches him through a couple situations. These scenarios showcase how to be effective in sales without being pushy or over the top. Also explained is a real example of how to provide value and close a sale, while also looking out for the client’s best financial interest.  Visit www. TLOPonline.com for MORE CONTENT!

D.O. interviews Cat Kaiyoorawongs - founder and CEO of LoanSense. LoanSense is helping more people qualify for home purchases by lowering their monthly student loan payments and discovering ways to have their debt forgiven.  Tune in to hear Cat’s personal story on how she was originally denied mortgage financing due to her student loans and how this prompted her to launch her company. Real estate...