The Loan Officer Podcast

If you’re a mortgage professional - please listen to this in it’s entirety. MAA stands the Mortgage Action Alliance. It’s free to join and takes less than three minutes. This is your opportunity to make sure your voice is heard by elected officials. Nothing changes if nothings changes. Visit www.TLOPonline.com for MORE CONTENT!

After 3 1/2 years of consistently producing two episodes a week, D.O. and JC discuss their journey from not knowing anything about podcasting - to achieving over 1M downloads per year (and growing). Currently the #1 podcast for mortgage professionals and their clients, tune in and hear how podcasting may or may not be a good strategy for you and your business. Visit www.TLOPonline.com for MORE CONTENT!

D.O. walks homebuyers through how today’s home market compares to others in the past and gives tips, tricks and advice on how to have your offer accepted. This is great for homebuyers, realtors and anyone else who is in the housing industry. Visit www.TLOPonline.com for MORE CONTENT!

Successful business operators reinvest revenue back into their company. As an MLO, it is highly suggested that 10% of your annual earnings is reinvested back into your business. For some, it all goes into marketing. For others, it all goes into coaching. And then there are those who pay for every tool offered. Our suggestions a combination of the three. Tune in to hear D.O. describe some of his favorite tools for mortgage loan originators, how he uses them and why they are important.

Visit www.TLOPonline.com for MORE CONTENT! D.O. interviews TLOP alumn Steve Richman on what it takes to become an effective communicator and public speaker.

D.O. explains in layman’s terms what the debt ceiling is and the negations transpiring in congress. Between the debt ceiling, banks failing and the federal reserve not agreeing on whether or not fed funds rate hikes are over - we’ve seen mortgage rates turn in the wrong direction. Visit www.TLOPonline.com for MORE CONTENT!

D.O. interviews CRM expert Maggie Reames about the importance of database management. www.TLOPonline.com for MORE CONTENT!

D.O. answers some of the top questions from the TLOP community. Visit www.TLOPonline.com for MORE CONTENT!

With all of the recent talk about Fannie and Freddie in the news - D.O. explains the who, what, when and how behind these institutions. Visit www.TLOPonline.com for MORE CONTENT!

It starts with mindset. Down markets are a thing. If you do anything for a long enough period of time you’ll have to learn how to navigate during down times. In order to do so, you’ll need stories, reference points and a little blind faith. Visit www.TLOPonline.com for MORE CONTENT!

As an owner of a successful real estate and development company and a 20-year mortgage industry veteran, D.O. drops some serious knowledge on ways people are generating over $1 million in net worth through real estate. You can become a real estate millionaire through traditional home ownership, by fixing and flipping properties, by buying and holding houses as well as purchasing commercial real estate to operate your business out of. Visit www.TLOPonline.com for MORE CONTENT!

D.O. and JC are inspired by a fans question as it pertains to what it takes to be recognized in the Scottsman’s Guide as a Top 1% mortgage loan originator. The guys will discuss the most basic qualifications such as units and volume - but do a deeper dive into the type of sales professional that typically earns this type of recognition. Follow the patterns and you’ll learn that the qualities and characteristics required translates into just about any sales profession. Visit www.TLOPonline.com for MORE CONTENT!

Visit www.TLOPonline.com for MORE CONENT! D.O. recently attended his favorite annual conference, the MBA’s National Advocacy Conference, in Washington D.C - as he and hundreds of other industry professionals were invited to speak to their local congressman and state senators. They spoke to them regarding trigger leads, LLPA changes and many more news-worthy, important industry issues. If you’re not a member of MAA, we suggest you join. It’s free to do. This is how you determine that your voice is heard in D.C...

GO TO www.TLOPonline.com for more content! Stop the presses! Lower the volume on the hyperbole... #TheLoanOfficerPodcast #TLOP #Mortgages

Returning TLOP guest Rocky Loguercio makes his second appearance and drops some serious knowledge on what you need to do in order to PASS the NMLS Test. www.TLOPonline.com for MORE CONTENT!

Founder and CEO of the next fin tech unicorn, Bryan Young with Home Lending Pal makes his second appearance on TLOP and spits serious knowledge as it pertains to closing the home ownership gap and understanding today’s homebuyer. Bryan's company utilizes the best available technologies including AI to provide value to tomorrow’s homebuyer and matches them with the best banks and lenders. www.TLOPonline.com for MORE CONTENT!

This episode was recorded in front of a live audience consisting of 50+ business students from D.O.’s alma mater - UCF. Chocked full of career and life advice for men and women of all ages and walks of life. Visit www.tloponline.com for MORE CONTENT!

D.O. sits down with Florida based Airbnb queen Stacey Conte to discuss how to become a successful real estate investor. As a recently divorced single mother, Stacey walked away from a lucrative career in medical sales in order to go full time into investing. Her properties generate over $10 million in cash flow - and she’s just getting started. www.TLOPonline.com for MORE CONTENT!

In this episode, D.O. and JC discuss The Masters, upcoming events and Chat GPT. Here’s the deal folks, when it comes to AI - there’s no putting this back where it came from. Might as well get used to it and embrace it. www.TLOPonline.com for MORE CONTENT!

David Buckles is a real estate investor with Reliant Home Offer and joins the podcast to discuss his journey into owning and running a successful real estate company. Although he’s been a licensed real estate agent since 2008, David didn’t launch his investing opportunity until 2019. Hear how he went from struggling to close deals, to making money by flipping dirt, to now purchasing 8-10 homes a month through TV commercials. This episode is laced with tips, tricks and how to’s. www.TLOPonline.com for MORE CONTENT!

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 guidance on originating these loans, what’s required to be eligible and whether or not you can use this finical tool to purchase a new home. www.TLOPonline.com for MORE CONTENT!

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 up by talking about the potential collateral damage from these events. www.TLOPonline.com for MORE CONTENT!

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. Even if that lender charges $3k more in fees or has an interest rate that is .25% higher - this lender still saves you money overall. Tune in take, notes and be pass it along. www.TLOPonline.com for MORE CONTENT!

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 results you receive - know that investing in yourself is a non-negotiable. www.TLOPonline.com for MORE CONTENT!

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 in real estate - this is for you was well. www.TLOPonline.com for MORE CONTENT!

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 on Newley originated home loans less attractive. More concerning is how this dumping of MSRs will impact certain mortgage banks balance sheets. Could this be what drives many more out of business or forces them to merge? Only time will tell, the odds are against a good number of mortgage companies. www.TLOPonline.com for MORE CONTENT!

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 loans is being adjusted to where the results are expected to limit the number of approvals granted. www.TLOPonline.com for MORE CONTENT!

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 college student can purchase a home of their own while attending classes. Visit www.TLOPonline.com for MORE CONTENT!

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 afraid to put in the hours, stay dedicated and not give up. Subscribe and Visit www.TLOPonline.com for MORE CONTENT!

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 MORE CONTENT!

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 teaches you how. www.TLOPonline.com for MORE CONTENT!

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 agents, LOs, homebuyers and financial advisors all will benefit - as well as anyone with current student loan debt. Visit www.TLOPonline.com for MORE CONTENT!

You’ve taken the course, passed the class and all of your schooling is complete. However, you can’t catch a break and no one is offering you the career opportunity you desire. Tune in to hear D.O. and JC discuss how to stand out in a cluttered job market and why it’s important to create your best opportunities. Although this episode was recorded with LO’s in mind - the advice and real-world experiences shared resonate with all types of sales, marketing and business careers. Visit www.TLOPonline.com for MORE CONTENT!

In this episode - D.O. breaks down his early predictions for 2023 as it relates to mortgage interest rates, housing inventory, emerging technology and much more. Probably one of the dopest episodes to date... www.TLOPonline.com for MORE CONTENT!!!

D.O. explains how there are multiple discounts available to homebuyers that weren't available just a few weeks ago, shows where to find these discounts - and educates prospective homebuyers on how to inquire about being eligible for these reductions. www.TLOPonline.com for MORE CONTENT!

Many times, running a successful business and generating more income isn’t about more leads, but about doing more with the leads you already have. This episode is for anyone who runs their own business or operates in a sales profession. Listen to D.O. and JC explain how using the right words within the right cadence could help you increase your conversion ratio - without needing more prospective clients. www.TLOPonline.com for MORE CONTENT!

Visit www.TLOPonline.com for MORE CONTENT! Whether you’re an LO, realtor, CPA or Financial advisor, you can benefit from building a referral relationship with local attorney. Family Law aka Divorce, Immigration Attorneys, and Estate Attorneys.