The Loan Officer Podcast

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 the DISC personality test. www.TLOPonline.com

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 for a better understanding of the business behind the mortgage industry. www.TLOPonline.com

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 to educate, but not freak out. D.O. answers some of the most important questions as it pertains to what one would do if their company would go under. www.TLOPonline.com

In this episode, D.O. discusses the following thought processes that aren’t widely taught - including: Paying Yourself First Understanding ROI The Power Of Reading Focus On Earning Networking www.TLOPonline.com

With the current status of the housing market shifting back to a normal market - the thought of waiting to buy is creeping into more and more homebuyer’s minds. For many, waiting won’t make a whole lot of sense. For some, it’s a risk worth taking. D.O. and JC role play in this episode and discuss the suggested thought process every potential homebuyer should exercise before making a rational (or irrational) decision. Just always remember, even the smartest of the smart and the most experienced can never consistently predict the future. www.TLOPonline.com

D.O. fulfills multiple viewer requests when he sits down and interviews a rising star Realtor from the Central Florida market. Adrian Jiminez is with Market Connect Realty and has been selling since 2020. Since then, he’s closed over 40 transactions. In this episode, D.O. asks Adrian to share his success story, but more importantly, what it takes for a loan officer to win him over. www.TLOPonline.com

Imaging being able to lock in your interest rate today for the next 30 years. However, in year one - your rate will be 2% lower. In year two, your rate will be 1% percent lower and by year three it adjusts upwards to the original rate when you purchased your home. A 2-1 buydown is great tool to use to help ease a homebuyer into today’s housing market. It’s also a great incentive for a seller to offer a buyer as a reason to buyer their house. There’s nothing new about a 2-1 buydown, what’s new is it’s usefulness in todays market. Homebuyers, realtors, LOs and home sellers will all benefit from this episode. www.TLOPonline.com

Have you ever thought about a career as an insurance agent? If you haven’t, you should. If you have, then this episode is a must listen. D.O. interviews Brett Young with Erb and Young. Not only has Brett bootstrapped a successful insurance agency, but he’s also one of the best business leaders in the space. Tune in to hear more about becoming an insurance agent, how much money you can earn, the barrier to entry for a career in property and casualty insurance - as well as many life lessons and leadership advice along the way. www.TLOPonline.com

In this episode, D.O. and JC discuss: FGMC Layoffs Black Friday Shopping Buying a home in today’s market Opportunities for LOs Advantages for Homebuyers Opportunities for Growth Not Dating the Rate and Not Marrying the Home www.TLOPonline.com

D.O. sits down with Alex Kutsishin - Founder and CEO of Sales Boomerang to discuss life, business advice and how the mortgage industry needs to be embracing technology along with what technology should be implemented first. Recorded from the Annual Florida Mortgage Bankers Association Conference, you will not want to miss out on listening to Alex and Dustin as they feed off of each other's high energy. Official TLOP Website

Full disclosure, when it comes to social media, we have a love-hate relationship. Social for reputation management is a necessity. Social media for lead generation is a slippery slope that many will want to avoid. Confused as to why we mean, tune in. www.TLOPonline.com

In battle - as in life and in business - having a plan in place insures success. We all have our strengths, weaknesses, soft spots, Achilles heels, and our flank. Protecting your flank is very much fortifying your weak spots. Tune in and learn more about your flank and why it’s important to keep it protected. www.TLOPonline.com

It’s been estimated that the mortgage industry will purge 1/3 of the workforce in 2022. If you were recently laid off, don’t freak out. This is your opportunity to learn and grow from the experience. www.TLOPonline.com

Have you every wondered, “What’s a basis point?” or “How do economic factors impact mortgage interest rates?” Inflation is a hot topic in today’s environment. Do you know what inflation is or how it impacts home loans? There’re various indicators forecasters use to predict the future of the American economy. Tune in to learn. www.TLOPonline.com

Kyle Johnson used to make over 300+ outbound calls to speak to 25 home loan applicants. Within his first six months he was funding over 20 loans per month working for one of the largest lenders in America. Becoming a call center loan officer aka consumer direct - is a solid place for a newly listened mortgage professional to start their career and can also be a solid opportunity for a lifelong career. Tune in to hear about Kyle’s experiences as being a consumer direct loan officer. www.TLOPonline.com

In the state of Florida, a consumer is twice a likely to get their identity stolen than be in a car accident. We can only guess about the other states. ID theft if the fastest growing crime in America. There are measures you can take to prevent it, but there are also steps you need to take when you recognize you’re a victim. www.TLOPonline.com

Making outbound sales calls is essential to the success of any business. Loan officers, Realtors, financial advisors, sales reps and entrepreneurs and the like - this episode is dedicated to you. You can change your life by embracing and dominating cold calling - by making it an art form. www.TLOPonline.com

Kyle Johnson is a Sales Trainer with New American Funding. He stared his career as a call center mortgage loan originator. Today, he spends his work week training the future of the mortgage industry. www.TLOPonline.com

In this episode, D.O. gives his perspective on current housing trends and how things will pan out in the future. From short-term rentals and housing inventory, to hedge funds and home values. www.TLOPonline.com

When it comes to credit reports please know there’s no such things as a quick fix. If someone is asking for money upfront or are guaranteeing results, you should be alarmed. There are many fraudsters and pretenders in the credit repair space. D.O. interviews Consumer Protection Attorney and college professor Jared Lee. They discuss the difference between correcting erroneous mistakes on a consumer credit report vs fraudulently claiming an item reported as not yours. TLOP Online

D.O. takes off the gloves and gets real when it comes to setting yourself apart from the competition. From hiring and interview best practices, to your mindset and mentality - to tips, tricks and tactics on how you become extra-ordinary at your profession. www.TLOPonline.com for more content!

In today’s crazy housing market - homebuyers, home sellers, the Realtors that represent them and the lenders who support. They need every tool in their tool belt to stay hyper competitive. In some markets, a Ribbon cash offer is the answer. D.O. reconnects with an old friend from early in his mortgage career Chris Crosby, a business development manager who is now spreading the good word of Ribbon throughout the country. Like many service, there is a catch. However, “the catch may just be worth it. Learn how and why Ribbon makes sense for you as a buyer, Realtor or LO. www.TLOPonline.com

They may not be for all, but a cash out refinance originated for the purpose of consolidating consumer debt can be life changing. A homeowner’s equity is usually their largest asset. However, if not tapped into, their equity can also be their biggest wasted asset. Tune into hear how and why debt consolidation loans can set someone up for finical freedom. www.TLOPonline.com

Is now a good time to buy a house? Is now a good time to sell my house? Is now a good time to enter the mortgage industry? Tune in to hear D.O. and JC take on all three of these questions...and more! Visit The Official Website

D.O. interviews rookie loan officer Jimmy Nadeau (NMLS #2102442) and talks about his experiences in his first two years as a mortgage loan originator. More importantly, Jimmy gives insight into some tips, tricks and tactics to not only survive in your first years as an LO - but thrive! www.TLOPonline.com for more exclusive content!

Fresh back form his trip to D.C., D.O. gives his insights on what it was like to march on Capitol Hill and meet with the staff of Senators Rick Scott and Marco Rubio - as well as Congressman Al Lawson. Advocating on behalf of your industry is a duty bestowed on all. Dustin talks about the five main issues the MBA is currently advocating for - such as affordable housing, issues with appraisals, remote online notarization and tax laws. If you’re a mortgage professional and aren’t a part of the Mortgage Action Alliance and don’t donate to MORPAC, we hope this episode encourages you to change your behavior. www.TLOPonline.com

There comes a time in everyone’s career, regardless of industry, when they consider going out on their own. Sometime it’s because they’re convinced that it would be better. Sometimes the motivation is to earn more. Going out on your own works for some, but not for all. Not every venture is a success. There are many examples of where working for someone else would have allowed a professional to earn more with less stress. Listen to D.O. explain the pros and cons of opening your own branch, company, shop or business. These apply not to just mortgage pros, but to all skilled technicians who dream of owning their own company. www.TLOPonline.com for more exclusive content!

The quick answer is yes, condos are more difficult in comparison to single family or townhomes. The reason for this is because the collateral is deemed to be risky by the banking and lending industry. Learn more about condos, condotels, what makes a condo warrantable vs non-warrantable and more. This episode is for anyone who finance, sells, or wants to buy a condominium. www.TLOPonline.com

In this episode, D.O. takes a deep dive into the current state of the mortgage industry and provides some tips, tricks and tactics on how you can not only survive a as a loan officer in this environment - but thrive. Visit www.TLOPonline.com for more content!

This episode covers why mortgage rate sheets are missing par pricing. D.O. explains why many rate quotes are coming with discount points being paid by the consumer. Tune in as he geeks out on the mortgage backed securities market and why they are disincentivizing premium priced interest rates. There’s logical reasoning why Freddie Mac and Fannie Mae are imposing their LLPAs on second homes - find out why. www.TLOPonline.com for more content!

D.O. and JC are on fire again. If you’re a mortgage pro and are serious about your career, you need to tune in. This share-worthy episode discuses five traits top producing LOs all have in common. The shoutouts are endless. Many thanks to Barry Habib - MBS Highway, Dave Savage - Mortgage Coach, HP 12c - Hewlett Packard, Jeremey Forcier, Andy Zemon, Denise Donoghue aka The Mortgage Nerd, spiral notebooks, MBS Authority, Brandon Goldberg and being predictable with your routine. Visit www.TLOPonline.com for more exclusive content!

Whether you call them rules of thumb or general principles is irrelevant. Homebuyers, homeowners, mortgage loan originators and Realtors must tune into this episode. Save it. Share it. Love it! D.O. and JC lay out the basic roadmap for being financially responsible. They teach you how to quickly figure out closing costs on a home, help you determine your monthly payment, educate on how much home one should purchase, as well as the max monthly payment based on household income. They even go as far as why you should be leery of individuals with ‘Have a Blessed Day’ in their email signature or drives a Hummer… Visit www.TLOPonline.com for more content!

D.O. sits down with wiz kid real estate investor Cameron Moore. At 23, he’s already buying 3-4 homes per month and shares his personal journey from clueless college senior, to respected full time professional. If you’re contemplating a career in real estate investing, check out this episode first. Visit www.TLOPonline.com for more exclusive content!

Answering the request of a viewer, D.O. and JC discuss, generically, the differences between working for a bank, vs. working for an independent mortgage banker vs. a broker. There are pros and cons to all three, for not just mortgage pros but for also homebuyers and Realtors. Visit www.TLOPonline.com for more exclusive content!

Are you a good leader? Do you work for a good leader? Do you know the attributes that make good leadership? Everyone is born with the ability to lead - and everyone’s life gives opportunities for leadership on the daily. Tune in, consume, and get ready to lead. Visit www.TLOPonline.com for more leadership content!

D.O. is joined by good friend and keynote speaker, René Rodriguez. For the last 25 years René has researched and applied behavioral neuroscience as a leadership advisor, world class sales expert, and renowned speaker coach. Tune in to learn about Rene's journey, his Amplifii Conference, having the proper mindset and more! www.TLOPonline.com

Whether you’re a a homebuyer, real estate agent or mortgage pro, tune in and hear D.O. discuss ten common mistakes that are made that jeopardize the financing of home purchases. www.TLOPonline.com

Turn your financed home offer into a cash offer by understanding and using delayed financing. Delayed financing won’t work for many, but does work well for those that have access to capital. D.O. gives three examples of how he’s used it to help homebuyers win offers. Also included are ideas on how rich people can leverage their assets to become cash buyers without creating a taxable event. Visit www.TLOPonline.com for more helpful content!

Appraisals are coming in under purchase price. Get over it and get used to it. Learn to find a way to yes. Understanding these will allow you to keep the deal together so your client can close on their dream home. If you like to learn, visit www.TLOPonline.com!

Regardless if you’ve been in the industry for one day or seven years, you’ve heard that you need to market and call on realtors for referrals. There’s more to it and Realtors aren’t then end all be all. This episode dives into creating relationships with CPAs, divorce attorneys, other lenders, finical advisor, HR managers, business owners and your circle of influence. Visit www.TLOPonline.com for more exclusive content!

Chasing refi business is like playing with fire. It’s always fun until the flame goes out. A mortgage pro is someone who is an advisor and focuses on helping homeowners buy and finance their home. Mortgage professionals with the most longevity and the greatest job security are those that work for purchased focused companies. Tune in to hear why. Visit www.TLOPonline.com for more content!

If you’re an aspiring MLO or are hiring new mortgage professionals, and are currently studying for the NMLS S.A.F.E. Test, this episode is must watch. Rocky Loguercio is the man. This guy has a cult-like following through his private Facebook group, MLO Study Buddy - Let’s Pass the S.A.F.E. Exam! Rocky (NMLS 1968760) is doing god’s work helping the future of the mortgage industry launch careers. If you’re worried about passing - watch this episode. Visit www.TLOPonline.com for more content to help you once you ace the test!

Mortgage rates have just shot up by over 1% in just over three months. What in the hell and why? Is it the Federal Reserve? Inflation? Maybe a combination of both? More importantly, tune in to learn about the future of the mortgage interest rate market. __________ Visit www.TLOPonline.com for more content!

Are you frustrated with not landing the interview? Does it bother you that no one will call you back because of a lack of experience? Are you newly licensed but feeling left out? This episode Is for you. It’s ok to feel frustrated but don’t let it get you down. There’s a chance you’re not trying hard enough. Tune in for tips on how to make yourself more marketable to future employers and listen as D.O. shares real life examples on how employee applicants have won him over. __________ www.TLOPonline.com for more exclusive content!

Do you speak mortgage? If not, this episode is for you. What makes a profession, a profession? When it has its own language. Cops have it, teachers have it, pilots have it. The mortgage industry has it. If you’re a Realtor, you should learn to speak mortgage. If you have a career in the mortgage industry - you should be fluent. __________ More acronyms you didn't know existed. Click here.

After almost six weeks, JC and D.O. get a moment to catch up with each other - and you, the audience. In this episode they discuss D.O. getting Covid, keynote speaking at Waterstone Mortgage’s conference in Nashville, scripting, future episodes, past episode, plans for the website and what to expect in 2022. __________ Visit www.TLOPonline.com for more exclusive content!

D.O. was asked to keynote the last day of Waterstone Mortgage’s Annual Momentum Sales Conference. In the brief keynote address, Dustin hits the high notes - discusses gratitude and how it impacts attitude, outlook and perspective. Learn why it’s more important to ‘get to’ rather than ‘have to’ do things and why it’s imperative that we’re always learning, teaching and networking. __________ www.TLOPonline.com for more content!

Danielle Anderson went from a college junior dominating selling Cutco Knives, to working at Hormel as an Account Executive before finding her way as a top producing LO. She is a subject matter expert when it comes to Airbnb and used this as a differentiator in her community. Learn how Danielle (NMLS 1842677) leveraged her experiences to build a network which allowed her increase her mortgage book of business 111%, all while traveling abroad. Visit www.TLOPonline.com for even more exclusive content!