The Loan Officer Podcast

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

With the foreclosure moratorium coming to an end - homeowners who have been in forbearance need got know their options. This episode discusses refinance options, loan modification options - as well as the option of cashing out and selling your home. ___________ DISCOVER us on TikTok WATCH us on YouTube! LIKE us on Facebook! FOLLOW us on Instagram! CONNECT with us on LinkedIn! __________ @TheLoanOfficerPodcast

If all you’re doing is submitting resumes to job postings - you’ve got it all wrong. Tune into this episode and learn how to catch the attention of hiring managers and secure an interview. Continue listening to hear strategies on setting yourself apart from other job candidates. ___________ DISCOVER us on TikTok WATCH us on YouTube! LIKE us on Facebook! FOLLOW us on Instagram! CONNECT with us on LinkedIn! __________ @TheLoanOfficerPodcast

Private mortgage insurance is not evil. It is a necessity and in some instances can be used to further create wealth. Tune in to learn what PMI is, why it is required and how you can get creative with purchasing a home and utilizing a mortgage containing PMI. ___________ DISCOVER us on TikTok WATCH us on YouTube! LIKE us on Facebook! FOLLOW us on Instagram! CONNECT with us on LinkedIn! __________ @TheLoanOfficerPodcast

D.O. has the honor of sitting down and interviewing TShane Johnson NMLS# 1646574. TShane is a marine, advocate for veterans, coach, trainer, public speaker - holds multiple Guinness world records and 15+ year mortgage professional. Tune in to be educated and inspired. ___________ DISCOVER us on TikTok WATCH us on YouTube! LIKE us on Facebook! FOLLOW us on Instagram! CONNECT with us on LinkedIn! __________ @TheLoanOfficerPodcast

On location from the Mortgage Bankers Association of Florida’s annual convention, JC and D.O. discuss why it’s important to be involved in your trade organization. From attending at least two conferences a year to understanding how to best use your time - this episode provides valuable insight on how to get the most out of each event. ___________ DISCOVER us on TikTok WATCH us on YouTube! LIKE us on Facebook! FOLLOW us on Instagram! CONNECT with us on LinkedIn! __________ @TheLoanOfficerPodcast

It is common practice for mortgage companies to sell the home loans they originate. From the smallest of lenders and largest of banks - there’s an entire business known as the servicing industry. Most loans are sold to Fannie Mae, Freddie or securitized into a Gennie Mae pool. Tune in to hear thee why and how and learn why it really doesn’t matter at the end of the day. ___________ DISCOVER us on TikTok WATCH us on YouTube! LIKE us on Facebook! FOLLOW us on Instagram! CONNECT with us on LinkedIn! __________ @TheLoanOfficerPodcast

Turn leads into loans and turn loans into leads. Mortgage loan originators, Realtors, sales professionals and entrepreneurs can all benefit from converting their leads into business at a much higher percentage. This episode contains tactics on how to increase your lead conversation. Also included in this episode are tips on how to turn one client experience into multiple business transactions. ___________ DISCOVER us on TikTok WATCH us on YouTube! LIKE us on Facebook! FOLLOW us on Instagram! CONNECT with us on LinkedIn! __________ @TheLoanOfficerPodcast

Starting in January and ending in December, you need to understand the months that bring the greatest opportunity for networking and the months that bring in the most commission. ___________ DISCOVER us on TikTok WATCH us on YouTube! LIKE us on Facebook! FOLLOW us on Instagram! CONNECT with us on LinkedIn! __________ @TheLoanOfficerPodcast

Quick overthinking. Stop the paralysis by analysis. If you truly want to be successful or take your business to the next level - tune into this episode and follow these core principles. ___________ DISCOVER us on TikTok WATCH us on YouTube! LIKE us on Facebook! FOLLOW us on Instagram! CONNECT with us on LinkedIn! __________ @TheLoanOfficerPodcast

No doubt we are in the most extreme seller’s market in the history of real estate. Homes are selling for tens of thousands more than list price, houses are receiving 20-30 offers, and homebuyers are growing desperate and frustrated. This episode gives 10+ tips, tricks and hacks to make your offer to purchase a home stand out from the crowd. ___________ DISCOVER us on TikTok WATCH us on YouTube! LIKE us on Facebook! FOLLOW us on Instagram! CONNECT with us on LinkedIn! __________ @TheLoanOfficerPodcast

Credit, capacity, collateral and capital are the four core pillars when it comes to home loan financing. In this episode, JC and D.O. discuss in detail the meaning of each pillar and how it affects your ability to obtain financing. Some of you might have learned The Four C’s as PAIL. If you don’t know what that stands for, tune into this episode - it’s for homebuyers, real estate agents, loan officers and basically 3/4 of the American populous. ___________ 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 episode. D.O. invites in his two business partners, David Holbrook and Mike Smalley, and they tell their story and share some of their secrets. This is the story of how three loan officers came together and built one of the largest and best mortgage branches in the entire country. ___________ DISCOVER us on TikTok WATCH us on YouTube! LIKE us on Facebook! FOLLOW us on Instagram! CONNECT with us on LinkedIn! __________ @TheLoanOfficerPodcast

Creating your own mini real estate empire is easier than you think, if you’re methodical and disciplined in your approach. In this episode, D.O. and JC talk about how one is able to acquire over $1 million in rental properties and never need more than 5% down. ___________ 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 discuss the difference between being a Loan Officer Assistant and a Loan Partner. They explain the differences in roles, responsibilities, experience and pay. If you’re asking yourself if this is a good career path, or looking to hire an LOA or LP to help grow your team - this episode is for you. ___________ DISCOVER us on TikTok WATCH us on YouTube! LIKE us on Facebook! FOLLOW us on Instagram! CONNECT with us on LinkedIn! __________ @TheLoanOfficerPodcast

“No” is a very acceptable answer in life. Successful business operators, entrepreneurs, real estate agents and MLOs have mastered the art of saying no. Learn why it’s important to stay in your lane and be great at what you do while referring business opportunities to others that don’t fit your wheelhouse. ___________ DISCOVER us on TikTok WATCH us on YouTube! LIKE us on Facebook! FOLLOW us on Instagram! CONNECT with us on LinkedIn! __________ @TheLoanOfficerPodcast

D.O. has his first threesome! This episode features a 30+ year mortgage pro who is also a top producer and branch manager. He is Grant Simon NMLS #301013. Grant stands out from the crowd as he is also a top rated instructor to the real estate community. Joining Grant is best selling author, real estate investor, top producing Realtor and highly ranked instructor - Cynthia DeLuca. Cynthia shares insights from her best selling book, The Standout Agent. ___________ DISCOVER us on TikTok WATCH us on YouTube! LIKE us on Facebook! FOLLOW us on Instagram! CONNECT with us on LinkedIn! __________ @TheLoanOfficerPodcast

What are marketing service agreements, joint ventures and desk rentals? Do they make sense? If so, how? In this episode, learn why Realtors and Homebuilders enter into them - and as a lender - why should or shouldn’t you consider parenting with them in this endeavor. ___________ DISCOVER us on TikTok WATCH us on YouTube! LIKE us on Facebook! FOLLOW us on Instagram! CONNECT with us on LinkedIn! __________ @TheLoanOfficerPodcast

This may be our BEST EPISODE EVER! Bill Benson NMLS # 312659, a 30-year mortgage veteran, owner of MortgageCommander.com (an NMLS prep site), mortgage loan originator and instructor for the 20-hour SAFE pre-licensing course walks you through the process of acquiring your NMLS. Bill provides insight on taking the 2-hour course, studying for the exam and passing. There are tips, tricks and important suggestions for anyone and everyone looking to pass their NMLS exam on the first try. ___________ DISCOVER us on TikTok WATCH us on YouTube! LIKE us on Facebook! FOLLOW us on Instagram! CONNECT with us on LinkedIn! __________ @TheLoanOfficerPodcast

Kevin Murphy NMLS #1006712 closed 180 units for $48 million in 2020. This is up from $20 million in 2019. Learn what Kevin did to build the production and hear from D.O. about how Kevin started as his Production Assistant nine years ago and developed into one of the top 1% Loan Officers in the country! ___________ 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 angel investor Charlie Lewis. They talk about how to get started in angel investing and the differences between venture capital funding and seed funding. Ever thought it would be cool to be a shark on Shark Tank? That’s what this episode covers. ___________ DISCOVER us on TikTok WATCH us on YouTube! LIKE us on Facebook! FOLLOW us on Instagram! CONNECT with us on LinkedIn! __________ @TheLoanOfficerPodcast

Whether you want to open a branch for someone else or go out and establish your own mortgage operation - tune into this episode first. D.O. and Coleman touch on why you want to become a manager, what makes a good manager or why it would make no sense at all. Are you a leader? Do you want to put others first - or is it just about the money? Tune into this episode to hear first hand what it takes to run a successful mortgage company. ___________ 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 Susan West, District President from Fidelity National Title and they demystify title companies. Your head will spin learning all the details behind title search, title exams and why title insurance is too important not to have. From $200k mistakes to $350k fraud - your home and finical interests must be properly protected. Tune in all the way to the end as Susan gives her advice to home sellers, realtors and mortgage loan originators. ___________ DISCOVER us on TikTok WATCH us on YouTube! LIKE us on Facebook! FOLLOW us on Instagram! CONNECT with us on LinkedIn! __________ @TheLoanOfficerPodcast

There's no denying it sucks trying to buy a home in today’s housing market. You know what sucks worse? Not buying a home in today’s housing market. Realtors, homebuyers, mortgage loan originators - this episode is for you and everyone you know who is thinking about buying real estate in 2021 or 2022. Bust out your pen, paper and calculator and follow along as D.O. crunches numbers to prove his point. ___________ WATCH us on YouTube! LIKE us on Facebook! FOLLOW us on Instagram! CONNECT with us on LinkedIn! __________ @TheLoanOfficerPodcast

There is no one mortgage school. Mortgage school is a lifetime of learning. It is a culmination of obtaining your NMLS license, becoming a great technician, attending conferences, networking with professionals, and obtaining designations thorough the various companies and organization such as the Mortgage Bankers Association and MBS Highway. ___________ WATCH us on YouTube! LIKE us on Facebook! FOLLOW us on Instagram! CONNECT with us on LinkedIn! __________ @TheLoanOfficerPodcast

Based on viewer requests, D.O. goes off on everything not to do as a mortgage / sales professional. This episode is for mortgage loan originators, branch managers, entrepreneurs, small business owners, sales men and women, and anyone else who has a say in how to successfully run a profitable business. ___________ WATCH us on YouTube! LIKE us on Facebook! FOLLOW us on Instagram! CONNECT with us on LinkedIn! __________ @TheLoanOfficerPodcast

D.O. interviews top loan officer and credit expert, Kristi Nowrouzi. Kristi entered the mortgage industry back in 2016 when her W-2 was a whopping $25k. Last year, she closed over 150 units for $40 million and earned 20x by comparison. Kristi is an advocate for her clients and uses her knowledge of credit to win their trust and advise on their behalf. Learn how Kristi went from no biz to top producer. Even if you’re not a mortgage pro, the info in this episode applies to everyone. ___________ WATCH us on YouTube! LIKE us on Facebook! FOLLOW us on Instagram! CONNECT with us on LinkedIn! __________ @TheLoanOfficerPodcast

Rookie loan officers fail because the don’t make lead generation the number one, two and three priority. Seasoned mortgage professionals fail to take their business to the next level because they don’t make lead generation the number one, two, and three priority. Although you need to be technically sound with products, programs and guidelines you will never know everything. Go get a lead, do your research, get your answers. Rinse. Repeat. ___________ WATCH us on YouTube! LIKE us on Facebook! FOLLOW us on Instagram! CONNECT with us on LinkedIn! __________ @TheLoanOfficerPodcast

D.O. interview Mike Williams NMLS #1946001, a rookie loan officer who closed over 100 unites and $24 million in his first 12 months in the business. Mike’s production is extraordinary, but how he achieved this success was ordinary. Tune in. ___________ WATCH us on YouTube! LIKE us on Facebook! FOLLOW us on Instagram! CONNECT with us on LinkedIn! __________ @TheLoanOfficerPodcast

Adjustable rate mortgages are fantastic financial instruments for some, but not all. The financial collapse of 2008, along with the less-informed media will have you believe that ARMs attributed to the housing crash. This is not true. Subprime loans caused the housing bubble to burst. There’s a difference between subprime, an ARM, and a subprime ARM. Loan officers, this episode is for you - your home loan borrowers and realtor partners. Everyone else, this is your public service announcement. ___________ WATCH us on YouTube! LIKE us on Facebook! FOLLOW us on Instagram! CONNECT with us on LinkedIn! __________ @TheLoanOfficerPodcast

It’s no secret that today’s housing market is ridiculous. Multiple offers are presented in just about every house listed for sale - the question for you is what are doing to make sure your client’s offer is standing out? D.O. discusses tups, tricks and tactics to make sure you and your client are winning. ___________ WATCH us on YouTube! LIKE us on Facebook! FOLLOW us on Instagram! CONNECT with us on LinkedIn! __________ @TheLoanOfficerPodcast

Homebuyers, realtors, builders, loan originators and every mortgage professional needs to know what’s going on in the mortgage industry. Fannie Mae recently capped the amount of loans they will purchase that are backed by seconds homes (vacation homes) and rental properties (investment homes). Additionally, but for some reason not being talked about, Fannie Mae is also making it more difficult to qualify for a home loan if you have below 680 FICO, above 45 DTI or over 90 LTV. Make time for this very important episode. Shoutout to the Mortgage Bankers Association, NAMB, Dave Stevens, Rob Chrisman, Urban Institute and HousingWire. ___________ WATCH us on YouTube! LIKE us on Facebook! FOLLOW us on Instagram! CONNECT with us on LinkedIn! __________ @TheLoanOfficerPodcast

In this episode - ON LOCATION - D.O. interviews Erik Ducharme, Director of Sales at Topgolf in Lake Mary, FL! They discuss the importance of network stacking, Michael Maher’s “The Seven Levels of Communication” and how you can utilize these principles across multiple industries to grow your circle of influence. From loan officers to realtors, sales professionals to general managers - this episode is for anyone in the relationship building business. ___________ WATCH us on YouTube! LIKE us on Facebook! FOLLOW us on Instagram! CONNECT with us on LinkedIn! __________ @TheLoanOfficerPodcast

So you’ve decided to become a mortgage loan originator, but don’t know where you should work? D.O. tackles listener submitted questions about how to select your employer and the importance of office culture, the sales manager and what you’re ultimately looking to accomplish. ___________ WATCH us on YouTube! LIKE us on Facebook! FOLLOW us on Instagram! CONNECT with us on LinkedIn! __________ @TheLoanOfficerPodcast

From lead generation to getting paid, D.O. will discuss the mortgage cycle. From lead to pre-approval, from rate lock to the discoing process, from underwriting to closing, from funding to commission check. ___________ WATCH us on YouTube! LIKE us on Facebook! FOLLOW us on Instagram! CONNECT with us on LinkedIn! __________ @TheLoanOfficerPodcast

D.O. gets geeky explaining loans. Bridge loans, purchase money loans, second mortgages and more. JC is impressed to learn there are dozens of ways to utilize a HELOC (Home Equity Line of Credit) and the importance of ‘OPM’ (other people’s money). ___________ WATCH us on YouTube! LIKE us on Facebook! FOLLOW us on Instagram! CONNECT with us on LinkedIn! __________ @TheLoanOfficerPodcast

D.O. sits down with Melissa Ferenc - Regional Underwriting Manager at Waterstone Mortgage. Melissa answers five basic questions regarding what it’s like being an underwriter, what consumers need to know and what loan officers can do to be better partners. ___________ WATCH us on YouTube! LIKE us on Facebook! FOLLOW us on Instagram! CONNECT with us on LinkedIn! __________ @TheLoanOfficerPodcast

The mortgage industry is a vast and highly rewarding career choice for many. 18 years is never too young to start your career, however, if you’re between the ages of 18-22, jumping straight to be an LO is not suggested. Tune in to hear why… ___________ WATCH us on YouTube! LIKE us on Facebook! FOLLOW us on Instagram! CONNECT with us on LinkedIn! __________ @TheLoanOfficerPodcast

Tune in to this episode to learn why it’s important you and your clients understand the basics of a 401k, Roth IRA, Law of 72, Reserve Assets, Mutual Funds and so much more. ___________ WATCH us on YouTube! LIKE us on Facebook! FOLLOW us on Instagram! CONNECT with us on LinkedIn! __________ @TheLoanOfficerPodcast

D.O. interviews mortgage loan originator Patrick Srichaiyan NMLS #1240386. They discuss why mortgage interest rates just skyrocketed, how Patrick protected $20k in personal commission and saved thousands of dollars for his borrowers. Tune in to learn where rates are going, what you should be telling your clients and what you should be doing to educate yourself on the mortgage backed security market. ___________ WATCH us on YouTube! LIKE us on Facebook! FOLLOW us on Instagram! CONNECT with us on LinkedIn! __________ @TheLoanOfficerPodcast