The Loan Officer Podcast

Episode reboot alert! This episode originally dropped in November of 2020. It’s a classic that many folks passed right over. Check out how far D.O. and JC have come. You’ll want to share this episode with anyone who is looking to buy a home, sell a home, works as a Realtor and/or supports the real estate community. This is an “oldie” but a “goodie”. ___________ DISCOVER us on TikTok WATCH us on YouTube! LIKE us on Facebook! FOLLOW us on Instagram! CONNECT with us on LinkedIn! __________ @TheLoanOfficerPodcast

D.O. keeps it in family as he interviews his niece, Sierah. Get inside the mind of a 25-year-old and learn about their thought process when it comes to personal finance, purchase habits and buying a home. Listen now and learn how to connect, because she will be your target audience in the next five years or less… ___________ DISCOVER us on TikTok WATCH us on YouTube! LIKE us on Facebook! FOLLOW us on Instagram! CONNECT with us on LinkedIn! __________ @TheLoanOfficerPodcast

In this episode, D.O. answers a listener request on how to properly market yourself as a loan officer - both individually and at the branch level. From common marketing pitfalls - such as mailers - to creative tactics that help you stand out from the crowd and most importantly, generate leads. ___________ DISCOVER us on TikTok WATCH us on YouTube! LIKE us on Facebook! FOLLOW us on Instagram! CONNECT with us on LinkedIn! __________ @TheLoanOfficerPodcast

It doesn’t matter your industry of choice. If you are a 100% commission sales person, run your own business or you have an entrepreneurial itch you need to scratch, this episode is can’t miss. D.O. interviews marine, fire fighter, patented inventor, entrepreneur and now author - Zach Green. Zach joins the podcast to discuss lessons from the battlefield to the boardroom while promoting his new book, Warrior Entrepreneur. ___________ DISCOVER us on TikTok WATCH us on YouTube! LIKE us on Facebook! FOLLOW us on Instagram! CONNECT with us on LinkedIn! __________ @TheLoanOfficerPodcast

Any successful business must create, maintain and market to a database. The best way to accomplish proper database management is to have a CRM. Which CRM to have is less important... The importance should be on carrying out the consistent activities required to lead generate in order to grow your database. ___________ DISCOVER us on TikTok WATCH us on YouTube! LIKE us on Facebook! FOLLOW us on Instagram! CONNECT with us on LinkedIn! __________ @TheLoanOfficerPodcast

This episode is jam packed with script, scripts and more scripts. D.O. answers a viewer request on how to give status updates to Realtors, title companies and 3rd parties. D.O. also navigates how to effectively communicate with a homebuyer who doesn’t want their credit pulled. ___________ DISCOVER us on TikTok WATCH us on YouTube! LIKE us on Facebook! FOLLOW us on Instagram! CONNECT with us on LinkedIn! __________ @TheLoanOfficerPodcast

Just in time to start the new year off on the right foot. The 12 Week Challenge is a proven method to optimize your realtor referral network and increase your annual volume for years to come. ___________ DISCOVER us on TikTok WATCH us on YouTube! LIKE us on Facebook! FOLLOW us on Instagram! CONNECT with us on LinkedIn! __________ @TheLoanOfficerPodcast

What is a homebuyer to do when they feel like they are credit worthy but they don’t fit within the confines of conventional, VA or FHA mortgages? There are dozens of private lenders who specialize in non-qualified mortgage (non-QM) home loans. ___________ DISCOVER us on TikTok WATCH us on YouTube! LIKE us on Facebook! FOLLOW us on Instagram! CONNECT with us on LinkedIn! __________ @TheLoanOfficerPodcast

Want to become a top producing mortgage loan originator? Call on homebuilders. Want to take your career to next level? Start marketing towards those that build homes in your local market. This episode is brought to you by a viewer request. JC and D.O. discuss how to call on homebuilders and turn them into long-term referral sources. ___________ DISCOVER us on TikTok WATCH us on YouTube! LIKE us on Facebook! FOLLOW us on Instagram! CONNECT with us on LinkedIn! __________ @TheLoanOfficerPodcast

Back from the Thanksgiving holiday, JC and D.O. brush over the new conforming loan limits and do a deep dive into who is your ideal client. If you’re an LO, this means identifying your ideal borrower and referral source. If you’re a branch manager, finding your ideal LO - and if you’re a Realtor, targeting your ideal homebuyer. Although this is geared toward mortgage professional, this applies to multiple industries. ___________ DISCOVER us on TikTok WATCH us on YouTube! LIKE us on Facebook! FOLLOW us on Instagram! CONNECT with us on LinkedIn! __________ @TheLoanOfficerPodcast

Are you tired of being rejected? Are you sick of Realtors not having a reason to meet with you? Tune in to learn a few key rebuttals to some common smokescreens and objections. ___________ DISCOVER us on TikTok WATCH us on YouTube! LIKE us on Facebook! FOLLOW us on Instagram! CONNECT with us on LinkedIn! __________ @TheLoanOfficerPodcast

D.O. is fortunate to host Yvette Clermont (NMLS: 248437) from Inlanta Mortgage as his guest. Yvette is a 25 year professional who has gone from rookie loan officer of the year to mega producer. She holds her AMP designation along with the designation of Certified Mortgage Planning Specialist, and has achieved the highest recognition of CMB. She’s an advocate for the mortgage industry as well as being just one super nice and genuine person. Tune in to hear her story, gain her perspective e and be prepared to take notes. ___________ DISCOVER us on TikTok WATCH us on YouTube! LIKE us on Facebook! FOLLOW us on Instagram! CONNECT with us on LinkedIn! __________ @TheLoanOfficerPodcast

JC and D.O. answer a viewer’s request and discuss how to transition from refi to purchase market. Originating home loans for borrowers purchasing homes for real estate is a lot different for financing homeowners looking to refi. Learn how to dominate the purchase market in order to have along term sustainable career in the mortgage industry. ___________ DISCOVER us on TikTok WATCH us on YouTube! LIKE us on Facebook! FOLLOW us on Instagram! CONNECT with us on LinkedIn! __________ @TheLoanOfficerPodcast

Buying leads sucks…or does it? In this episode, D.O. discusses why he’s not a fan of buying leads but how you can run a successful mortgage operation buy doing so. For the record, D.O. has purchased leads throughout his career and speaks from experience. ___________ DISCOVER us on TikTok WATCH us on YouTube! LIKE us on Facebook! FOLLOW us on Instagram! CONNECT with us on LinkedIn! __________ @TheLoanOfficerPodcast

Realtor open houses are a time tested marketing strategy. Loan officers, working those same open houses is a time tested strategy to meet and network with more real estate agents. If you’re really good, you can also meet homebuyers who need mortgages. ___________ DISCOVER us on TikTok WATCH us on YouTube! LIKE us on Facebook! FOLLOW us on Instagram! CONNECT with us on LinkedIn! __________ @TheLoanOfficerPodcast

How do you approach your day? Do you work for the man, or are you the man. Do you think like a worker or like a business owner? Are you a leader - or do you like to just boss people around? This show is more about mindset than anything else. Don’t be fooled - like many episodes, this isn’t just for people in the mortgage industry. ___________ DISCOVER us on TikTok WATCH us on YouTube! LIKE us on Facebook! FOLLOW us on Instagram! CONNECT with us on LinkedIn! __________ @TheLoanOfficerPodcast

D.O. interviews mortgage industry top producer, VA home loan expert, bad-ass business woman and proud advocate for Shelter House - Dawn Hoffman (NMLS #440324). This is a viewer request x3: You all asked to hear for more powerful women in business, more top producers and you wanted a show that taught the basics of VA loans. Dawn crushes it and delivers on all three. ___________ DISCOVER us on TikTok WATCH us on YouTube! LIKE us on Facebook! FOLLOW us on Instagram! CONNECT with us on LinkedIn! __________ @TheLoanOfficerPodcast

D.O. interviews Waterstone Mortgage’s COO Rich Tucker. Rich started his career as a rookie loan originator, became a top producing loan officer, then transitioned into a career in underwriting before being promoted to Operations Manager, then finally moving on to Operations Officer. Rich is married to Realtor and knows what it takes to be successful. This episode starts with Rich’s journey and ends with Rich giving his advice on how to properly qualify and work with self employed borrowers. DISCOVER us on TikTok WATCH us on YouTube! LIKE us on Facebook! FOLLOW us on Instagram! CONNECT with us on LinkedIn! __________ @TheLoanOfficerPodcast

In this episode, D.O. talks about how loan officers can properly utilize a website and business Facebook - from running targeted ads, to reviews and lead generation. More importantly, he also gives multiple reasons why you DON’T need a website or business Facebook page unless your closing at least four transactions per month. ___________ DISCOVER us on TikTok WATCH us on YouTube! LIKE us on Facebook! FOLLOW us on Instagram! CONNECT with us on LinkedIn! __________ @TheLoanOfficerPodcast

Where should we begin? It all started with a broken plane, which lead to a broken tooth - an MBA Graduation followed by Market Projections - which then lead to a Pitbull on an aircraft carrier. Then transition to the Dodgers NLCS game, leading to awesome podcast episodes and an awesome lunch with the future unicorn of the fintech industry. Cap it off with IPA’s on Pacific Beach and that about sums it up. ___________ DISCOVER us on TikTok WATCH us on YouTube! LIKE us on Facebook! FOLLOW us on Instagram! CONNECT with us on LinkedIn! __________ @TheLoanOfficerPodcast

This is a can’t miss interview! Dave Savage tells the story of how he went from a 21-year old college dropout, to a top producing mortgage loan originator, to creating one of the greatest financial tools used by the top mortgage pros in the industry. D.O. and Dave discuss what it’s going to take in order for people to be successful moving forward and how the mortgage industry can help solve the financial literacy crisis in America. ___________ DISCOVER us on TikTok WATCH us on YouTube! LIKE us on Facebook! FOLLOW us on Instagram! CONNECT with us on LinkedIn! __________ @TheLoanOfficerPodcast

D.O. meets up with nationally recognized public speaker Steve Richman (NMLS #3035) from VanDyk Mortgage and discuses how to become a better orator and why it’s important. Steve also shares some of the advice he is giving to the loan officers that work with him and cap off this episode with sage life advice. ___________ DISCOVER us on TikTok WATCH us on YouTube! LIKE us on Facebook! FOLLOW us on Instagram! CONNECT with us on LinkedIn!

Are solar panels worth the money? D.O. is all fired up and has strong opinions about them. Tune in as he shares stories about people who should have never gotten them installed and describes the types of people who should. ___________ DISCOVER us on TikTok WATCH us on YouTube! LIKE us on Facebook! FOLLOW us on Instagram! CONNECT with us on LinkedIn! __________ @TheLoanOfficerPodcast

2020 will be remembered as a record-breaking year for the mortgage industry - but as they say - all good things must come to an end. In this episode, D.O. talks about what you can do to better prepare yourself as a business professional when the easy money, leads and revenue start to dry up - and come out on top. ___________ DISCOVER us on TikTok WATCH us on YouTube! LIKE us on Facebook! FOLLOW us on Instagram! CONNECT with us on LinkedIn! __________ @TheLoanOfficerPodcast

With so many people looking to enter the mortgage industry, D.O. and JC thought it appropriate to discuss the skills they deem necessary to properly assist homebuyers looking to attain home loans. These skills will ultimately dictate your level of success as a loan originator. ___________ DISCOVER us on TikTok WATCH us on YouTube! LIKE us on Facebook! FOLLOW us on Instagram! CONNECT with us on LinkedIn! __________ @TheLoanOfficerPodcast

Nothing changes if nothing changes. In business and in life, if we don’t like the results we are achieving , we need to try something else. D.O. calls this - "Stop fishing in the catfish pond." ___________ DISCOVER us on TikTok WATCH us on YouTube! LIKE us on Facebook! FOLLOW us on Instagram! CONNECT with us on LinkedIn! __________ @TheLoanOfficerPodcast

Fielding another listener request - D.O. talks about the process of searching for and hiring an assistant - breaking down who exactly needs one, when to look for one and ultimately, how to train and shape their career once you’ve hired them. D.O. also talks about the dangers of boondoggling - a word he loves to use because he just learned it. ___________ DISCOVER us on TikTok WATCH us on YouTube! LIKE us on Facebook! FOLLOW us on Instagram! CONNECT with us on LinkedIn! __________

D.O. interviews a newly licensed mortgage professional who has completed Xinnix’s ground school. After 30 days of working as an outside LO, Aixa Rosario NMLS #2131979 pivoted on her initial decision and never looked back. Aixa speaks on what lead up to her career change, the process of getting licensed, and what she has experienced in her first six weeks. DISCOVER us on TikTok WATCH us on YouTube! LIKE us on Facebook! FOLLOW us on Instagram! CONNECT with us on LinkedIn! __________ @TheLoanOfficerPodcast

Motivated by a recent coaching session, D.O. hops on his soapbox to discuss the importance of the college experience and how it’s possible to HAVE IT ALL. From launching your career at 19 to living in your moms basement at 28 - there is a happy medium and balance to be found. ___________ DISCOVER us on TikTok WATCH us on YouTube! LIKE us on Facebook! FOLLOW us on Instagram! CONNECT with us on LinkedIn! __________ @TheLoanOfficerPodcast

D.O. fields a user request and discusses multiple strategies for helping people finance and purchase their vacation home. D.O. addressees why someone would pay cash - and why it would make sense - while also exploring delayed financing strategies and leveraging equity out of their primary home. ___________ DISCOVER us on TikTok WATCH us on YouTube! LIKE us on Facebook! FOLLOW us on Instagram! CONNECT with us on LinkedIn! __________ @TheLoanOfficerPodcast

D.O. hops on his soap box and speaks freely on various top-of-mind subjects ranging from what makes a good leader to the UCF Knights joining the Big 12. This episode has a little bit of everything - and then some. ___________ DISCOVER us on TikTok WATCH us on YouTube! LIKE us on Facebook! FOLLOW us on Instagram! CONNECT with us on LinkedIn! __________ @TheLoanOfficerPodcast

In this episode, D.O. breaks down the importance of taking time away to decompress and the proper way to do it. From having a buddy system so you’re covered back at the office, to learning when to put down the technology and live in the moment - tune in so you can maximize the effectiveness of your vacation. ___________ DISCOVER us on TikTok WATCH us on YouTube! LIKE us on Facebook! FOLLOW us on Instagram! CONNECT with us on LinkedIn! __________ @TheLoanOfficerPodcast

Quit being transactional and build FOREVER CLIENTS - you work too hard to acquire the lead and close the sale. Make sure throughout the process you build a bond that will bring your client back to you for years to come. Learn how to turn one sale into dozens. ___________ DISCOVER us on TikTok WATCH us on YouTube! LIKE us on Facebook! FOLLOW us on Instagram! CONNECT with us on LinkedIn! __________ @TheLoanOfficerPodcast

D.O. discusses how to appropriately leave one mortgage company and join another. Most importantly, he shares his advice on why one should leave and what traps to avoid while also giving his two cents on how to deal with those pesky recruiters. ___________ DISCOVER us on TikTok WATCH us on YouTube! LIKE us on Facebook! FOLLOW us on Instagram! CONNECT with us on LinkedIn! __________ @TheLoanOfficerPodcast

While attending the Florida Association of Mortgage Professionals annual conference - D.O. sits down with industry legend Barry Habib to discuss his secrets and success. Barry Habib is an American entrepreneur, mortgage industry executive, bestselling author, and founder and CEO of MBS Highway. Barry is also a well known professional speaker and TV commentator on the Mortgage and Real Estate markets. ___________ DISCOVER us on TikTok WATCH us on YouTube! LIKE us on Facebook! FOLLOW us on Instagram! CONNECT with us on LinkedIn! __________ @TheLoanOfficerPodcast

The mortgage industry has a bad reputation of not delivering on time closings. Loan officers, tune in and learn the importance of controlling the situation. Realtors, check out this episode to hear why your transactions aren’t closing on time. First time homebuyers, (or really anyone looking at purchasing a home in the near future) listen as this episode will help you determine if you are working with the right lender. ___________ DISCOVER us on TikTok WATCH us on YouTube! LIKE us on Facebook! FOLLOW us on Instagram! CONNECT with us on LinkedIn! __________ @TheLoanOfficerPodcast

From pre-approval, to locking your loan, to disclosures to what the processor does, to what the underwriter does, to what closing department does. Listen to JC and DC discuss the lifecycle of the loan. ___________ DISCOVER us on TikTok WATCH us on YouTube! LIKE us on Facebook! FOLLOW us on Instagram! CONNECT with us on LinkedIn! __________ @TheLoanOfficerPodcast

D.O. and JC share scripts that highlight the importance of submitted documentation upfront at the pre-approval, application and closing stages of the loan process. Because it’s important to remember, “Prescription without diagnosis is malpractice.” ___________ DISCOVER us on TikTok WATCH us on YouTube! LIKE us on Facebook! FOLLOW us on Instagram! CONNECT with us on LinkedIn! __________ @TheLoanOfficerPodcast

We used to call them Good Faith Estimates (GFE’s), but have been replaced with Loan Estimates (LE’s). We prefer Itemization Fee Worksheets - and if you’re really fancy - Total Cost Analysis Worksheets. This episode is all of the above - explained in great detail. ___________ DISCOVER us on TikTok WATCH us on YouTube! LIKE us on Facebook! FOLLOW us on Instagram! CONNECT with us on LinkedIn! __________ @TheLoanOfficerPodcast

D.O. explains what makes someone a driver, drifter or director and explains the characteristics of each when it comes to business. The ultimate goal for every professional its to become a director - and this episode will teach you how. ___________ DISCOVER us on TikTok WATCH us on YouTube! LIKE us on Facebook! FOLLOW us on Instagram! CONNECT with us on LinkedIn! __________ @TheLoanOfficerPodcast

Did Fannie Mae just make qualifying for a home loan easier? The most recent updates from the August 11th announcement would make you think so. In case you missed it, the announcement was titled ‘Fannie Mae Introduces New Underwriting Innovations To Responsibly Expand Access To Mortgage Credit’. But don’t get too excited - there are still plenty of unknowns. Watch, listen and learn. ___________ DISCOVER us on TikTok WATCH us on YouTube! LIKE us on Facebook! FOLLOW us on Instagram! CONNECT with us on LinkedIn! __________ @TheLoanOfficerPodcast

Your future success will be determined by your willingness to embrace technological change. It’s no longer good enough to introduce yourself to prospective buyers when they need your product - you must reach them at the moment of thought. FinLocker President & and COO Brian Vieaux, CMB joins D.O. to discuss how technology will continue to shape the landscape of the mortgage industry and what you can do to prepare. ___________ DISCOVER us on TikTok WATCH us on YouTube! LIKE us on Facebook! FOLLOW us on Instagram! CONNECT with us on LinkedIn! __________ @TheLoanOfficerPodcast

The proper term is non-occupying co-borrower (aka non-occ). In this episode, D.O. talks about the who, what, why and how when it comes to qualifying for a mortgage using a co-signer. ___________ DISCOVER us on TikTok WATCH us on YouTube! LIKE us on Facebook! FOLLOW us on Instagram! CONNECT with us on LinkedIn! __________ @TheLoanOfficerPodcast

Whether it’s through industry events, membership with trade organizations or mastermind groups - do yourself a favor and make knowing your competition a top priority. You’ll thank us for it later. ___________ DISCOVER us on TikTok WATCH us on YouTube! LIKE us on Facebook! FOLLOW us on Instagram! CONNECT with us on LinkedIn! __________ @TheLoanOfficerPodcast

Be predictable. Wear a uniform. Focus on green time and not red time. This is just the advice D.O. dishes out on this viewer requested episode on the best work schedule. ___________ DISCOVER us on TikTok WATCH us on YouTube! LIKE us on Facebook! FOLLOW us on Instagram! CONNECT with us on LinkedIn! __________ @TheLoanOfficerPodcast

How do you land the big account? How do you know if you’re ready? In this episode chasing whales, landing whales and what bait to use. ___________ DISCOVER us on TikTok WATCH us on YouTube! LIKE us on Facebook! FOLLOW us on Instagram! CONNECT with us on LinkedIn! __________ @TheLoanOfficerPodcast

Viewer requests D.O.’s commentary on the latest Wells Fargo announcement. D.O. shares personal stories on how he got out of debt and revisits some basics on budgeting, consumer debt and personal finance. ___________ DISCOVER us on TikTok WATCH us on YouTube! LIKE us on Facebook! FOLLOW us on Instagram! CONNECT with us on LinkedIn! __________ @TheLoanOfficerPodcast

On this fan requested episode, D.O. gives the skinny behind this cheap, fool proof, no technology needed system that is guaranteed to increase your sales - if you just make it part of your daily routine. ___________ DISCOVER us on TikTok WATCH us on YouTube! LIKE us on Facebook! FOLLOW us on Instagram! CONNECT with us on LinkedIn! __________ @TheLoanOfficerPodcast

This is what happens when JC a list of notes and questions, but not enough content for one entire episode. ___________ DISCOVER us on TikTok WATCH us on YouTube! LIKE us on Facebook! FOLLOW us on Instagram! CONNECT with us on LinkedIn! __________ @TheLoanOfficerPodcast

Regional Vice President and 30+ year credit industry veteran Mark Tera sits down with D.O. to discuss credit hot topics that consumers, realtors, builders and mortgage professionals should know at least a little about. ___________ DISCOVER us on TikTok WATCH us on YouTube! LIKE us on Facebook! FOLLOW us on Instagram! CONNECT with us on LinkedIn! __________ @TheLoanOfficerPodcast