The Loan Officer Podcast

Class is in session! If you’re tired of being stuck in your business - this episode is for you. JC and D.O. discuss building a team, an assistant, scaling what you have - all by hiring, training , developing, empowering and entrusting others to do what you do.  They don’t hat to be as good as you - just 90%. This is a workshop for all entrepreneurs.  Go to www. TLOPonline.com !

D.O. provides insight (into the world as he sees it) when it comes to the current state of the mortgage industry - with particular focus on the mass exodus that is taking place. It’s not all doom and gloom - as he also sheds light on the positives that will come out of the chaos. The BEST Content for Loan Officers: www. TLOPonline.com

Across America, natural disasters such as hurricanes, wild fires, tornados, mud slides and flooding are becoming more common and problematic. Natural disasters rank as the #1 concern for mortgage companies, lenders and those that invest in residential real estate as it pertains to loss.   In this episode, D.O. JC discuss hurricane Ian, home loan programs like the FHA 203(h) geared towards those di...

When it comes to those who work in the entertainment of the adult persuasion industry, there are many business lessons that can be applied to the success of entrepreneurs and sales people. Think we are crazy? Tune in to hear D.O. and JC compare the characters from movies such as Magic Mike, Showgirls and Strip Tease to the practices of successful business people.  Become a Member Today: www. TLOPo...

Much of who were are is based on our genetics. As sales people, we have certain strengths that come natural to us. We call this our Sales DNA. The way you were born will determine whether or not you favor certain sales techniques and tactics such as cold calling, working open houses, becoming a social media influencer, partying for profits, becoming the lunch and learn queen or the networking king...

Best selling author and keynote speaker Rene Rodriguez stops by the TLOP set to discuss mindset, common traits of successful entrepreneurs and what he’s learned through 20 years of failure and success. HINT: It’s all about the journey not the end result.  www. TLOPonline.com

Because topics like this aren’t taught in high school, D.O. and JC layout the basic principles to creating generational wealth. They discuss purchasing real estate, paying yourself first, focusing on earning over saving and the proper mindset required.  This is truly an episode for anyone who is looking to better their finical life and leave a legacy for those they care the most about.  www. TLOPo...

Is the secret sauce in Facebook ads, Instagram boosted posts, TikTok videos, Google Pay-Per-Click, SEO or good old fashion database marketing? In this episode - D.O. sits down with Chris Johnstone, CEO of Connection Incorporated, and listens as Chris shares what is currently working in terms of marketing and advertising and what is not.  Chris explains where he is advising his clients to focus the...

With so many mortgage options and so many acronyms to understand (FHA, VA, USDA DSCR etc.) D.O. and JC get back to the basics and discuss the differences in conventional / conforming loans, government backed mortgages and the creative lending options available. Who is Fannie Mae and how is she related to Freddie Mac? The guys break this down for the audience too. This is a great episode for first-...

In this episode, D.O. brings in John O’Leary - CEO of Capsource. John is a subject matter expert in real estate investing, as well as the lending of hard money financing (aka private money).  Tune in to hear D.O. and John discuss careers in hard money origination as well as advice on how to make money as a real estate investor. While teaching the audience  about the basics of hard money lending an...

This episode features top producing mortgage broker, Kayla Sharp, from Atlantic Trust Mortgage. This Jacksonville, Florida native is crushing it in just her 3rd full year in the mortgage industry. She is a mom of three, mortgage superstar, supporter of all other bad-ass women in business and dedicated advocate for Best Buddies. Hear how Kayla went from virtually unknown in her real estate communit...

Too many times - in life and in business, we make decisions based on how they make us feel or what we think makes the most sense. The encouragement is to stop thinking and start knowing. We live in the Information Age. Data is all around us. We need to use this to analyze our lives and business in order to make the best decisions.  www. TLOPonline.com

For many sales professionals, the desire to be heard, acknowledged and respected overpowers common business sense. Meaning - they give away free advice without having the client’s full and complete buy-in.  In this episode, D.O. discusses instances where he and others have given away free advice and what can learned from these real life examples.  Visit www. TLOPonline.com for more content!

In this episode - D.O. breaks down the importance of being familiar with the basic principles of personal finance. From paying your bills on time, to life insurance, and everything else in-between. www. TLOPonline.com

Fresh off his trip to New England - D.O. sits down and answers the following questions: How to take a loan application over the phone? How to provide unique value as a lender? How are lenders paid (and from where)? How many agent partners do you need? When should a MLO consider adding states that they are licensed in? How to setup and scale marketing for mortgage leads? How to follow up with Realt...

Our work life can be stressful. Tune in to listen to D.O. and JC discuss how they - and others - have learned to manage and control the stresses brought on by working in Corporate America, sales and much more. www. TLOPonline.com

In today’s economic landscape, there’s lots of scuttlebutt about mortgage companies losing money - but the real question should be, ‘How do mortgage companies make money?’. If we can learn and figure out the business model of an independent mortgage banker or mortgage bank, we can figure out what to do more of - as well as what to eliminate as it pertains to being sustainable and staying profitabl...

After various TLOP fan requests, D.O. and JC sit down and talk about loan officer compensation. What’s fair? What’s reasonable? Whats compliant? What are the rules pertaining to LO comp and why are they there? Can I negotiate my compensation with my employer? All of this is answered and more. www. TLOPonline.com

No doubt there’s housing crisis in the United States. Freddie Mac is updating the guidelines - which will allow homebuyers to use rental income derived from accessory dwelling units (ADU’s) to help qualify on their next home purchase. This is a small drop in the bucket but is also a step in the right direction. www. TLOPonline.com

D.O. believes the current market is a blip or dip. Buyers need to buy the dip. The next 6 months is going to be rough - and I mean really rough for LO’s and Realtors. We aren’t going to have the units, numbers or volume we expected or rely on to substantiate our businesses. Good news - now is the time to put our blinders on and to market better than ever because 2023 will be the return to normalcy...

After they’re done talking about D.O.’s trip to 7D Ranch - they dive into a couple of LO questions that came up during a morning coaching call. The overall lessons weaved in that call include understanding how your clients think, what makes them tick, their fears, concerns, excitement and how best to communicate to them during the sales process. D.O. even name drops Tony Robbins and talks about th...

D.O. puts on his inspirational hat and provides a motivational kick in the pants for anyone who needs it. Everyone has bad days - how you respond to them is what matters. www. TLOPonline.com

Too few homebuyers, real estate professionals, and mortgage loan originators understand or comprehend that there’s an entire business behind the mortgage industry. Decisions are made, or not made, based on what’s best for the mortgage companies’ bottom line - as well as what will prevent them from taking unnecessary risk. Risks are not just financial, but can also affect your reputation. Tune in f...

D.O. interviews Jeff Velez with Old Republic Home Protection Company on how to teach homeowners the value of a home warranty, educate Realtors on leveraging home warranties to sell more homes, and to share with loan officers how partnering with a home warranty company can generate more mortgage leads. www. TLOPonline.com

It’s July 2022 and reality is sinking in.  No one expected this year to mirror the record breaking years of 2020 and 2021. However, few were - nor are - fully prepared for what is to come. The inspiration of today’s episode comes after the second quarter earnings from Wells Fargo, Chase and Citi were released - as well as the sudden dissolution of Sprout and FGMC layoffs. This episode is designed...