When I was 14, I spent my summers working in the tobacco fields of Pleasant Garden, North Carolina. 

Now, if you’ve never been in a tobacco field in July, let me paint the picture… 

It all starts at 4:30 am (I still wake up about that time every day) 
In the field by 5:30 am. 
 
It’s 95 degrees by 10 a.m. 
 
The humidity… it felt like I was wearing it within the first 30 mins.  
And that black gum from the stalks? It’ll stain your hands for days. 

I was hot, tired, itchy, and smelled like the inside of a barn. 
And to be honest… I felt like quitting… often! 

But I showed up and did the deed day after day anyway. 
Because that’s what you did. 

Nobody was coming to save you. Nobody was handing out shortcuts. 
You just did the work. 

Day after day. Row after row. 

I remember one particular hot afternoon, I dropped to my knees and asked God, “Please tell me you have a better plan for me; tell me I’m learning something here…” 
 
Turns out… He did have a better plan for me. 
And I did learn something in those hot fields. 

Years later, I found my way into the mortgage world. 
But at first? 
Man, it felt just like those tobacco fields. 

Waking up early. Making uncomfortable calls. 
Getting rejected. Sweating through your shirt. 
And doing it all over again the next day. 

But here’s the twist… 

Most people quit when it’s hard. 
But, see, I had a little secret from those tobacco fields: 
Hard wasn’t new to me. 

See, I learned something in those rows that they didn’t teach in school: 
The ones who keep showing up – even when it’s not fun, sexy, or easy – those are the ones who win. 

And now… 
 
Because of that hard work… 
We built a mortgage business that runs with freedom and flexibility. 
 
Because of that hard work… 
We built a training company that helps thousands of loan officers every week, many of whom are going through their own “tobacco field” right now. 

If that’s you, I just want to say this: 

You’re not alone. 
You’re not broken. 
You’re just in the middle of the row. 

Keep showing up. 
The harvest is coming.

Not too long ago, my longtime friend Dean Jackson shared something with me that really stuck. 

(If you don’t know Dean—he’s a brilliant trainer in the real estate agent space and has one of the sharpest minds I’ve ever come across when it comes to productivity and marketing.) 

He said: 
“It’s not that people don’t have time. It’s that they’re losing the battle between being proactive and reactive.” 

Man… that hit home. 

You see, a lot of folks I talk to say the same thing: 
“I just don’t have time for everything.” 

But here’s the truth—you DO have time. 
The trick is learning how to spot the Reactive Activators that are hijacking your day. 

Here are the four big ones Dean shared with me years ago. 

1. Email 
How do most people start their day? Checking email. 
But your inbox is a to-do list that other people wrote for you—and it’s hooked up to the internet, which means the rabbit hole is real. 

2. Your phone 
We carry them 24/7. Which means we’re always one buzz away from getting pulled into fire drills and distractions. That puts you in reactive mode fast. 

3. Other people 
People walking by your desk. Quick chats. “Got a sec?” 
All well-meaning… but they can easily take you off track from what really matters. 

4. Your own thoughts 
This one’s sneaky. You remember to call someone… which leads to another task… then another… and before you know it, your whole plan for the day has drifted off course. 

But here’s the good news: 

Once you see these triggers for what they are, you can start building a little buffer around them. You can protect your time and take control of your day. 

And when that happens? 

You stop feeling overwhelmed. You start getting the right things done. 
And yeah… turns out you do have time for everything. 

Thanks, Dean, for this golden nugget. 
And to you reading this—I hope it helps you the way it helped me. 

Hey, if you’re looking to take a real step forward in your business—away from overwhelm and into clarity—I’d love for you to join me at my next Mastermind Retreat.  
 
It’s a small, invite-only gathering at my office where we work together to build out the exact plan top-producing loan officers are using right now to grow. 
 
Check out the details here: www.MasterMindRetreats.com

We all know the market’s not the easiest right now. Inventory is tight. Affordability is a real concern. It can feel like there’s not much to work with.

But here’s the truth:
The loan officers who are winning right now aren’t ignoring these challenges—they’re leaning into them.

Instead of stepping back, they’re stepping forward as educators.

They’re not just quoting rates or processing apps.
They’re guiding buyers through the noise, helping them understand their options, and positioning themselves as trusted problem-solvers.

That’s where the opportunity is.

Buyers don’t need hype—they need help. And when you provide that help clearly and consistently, they trust you. And when they trust you, they choose you.

One example?
First-time homebuyers.

They’re the largest group in the market right now. They’re overwhelmed. They’ve heard rates are too high. They don’t think they can afford it. But they want a home. They just need someone to show them how.

And the loan officers who are doing that—who are leading with education—are not just staying busy… they’re growing.

So if things feel slow, it might not be about the market.
It might just be time to shift your approach.

Be the guide. Be the resource. Be the one who brings clarity.
The deals will follow.

We just released a full First-Time Homebuyer Training inside our platform. It walks through how to attract, educate, and convert this group with tools, scripts, and strategies that are working right now.

Including a complete digital book that you simply take my name and picture off and put yours and or yours and your favorite real estate agent ☺

These are the valuable things that continuously get added to our arsenal of resources in the member site.

To learn all about what’s behind the scenes of our member’s site, schedule a free demo here.

What Happens When You Go All In? 

On March 4th, a group of loan officers from all over the country blocked off their day, signed on to my Zoom meeting, and committed to speaking with 50 people—not just making dials, but actually having 50 real conversations with people who can send them business. 

And here’s what happened: 
 
Together, we received over 311 referrals.  Keep in mind, that these aren’t like junk social media leads, these are referrals that typically close for my team at a rate of about 20 to 25%. 
 
Imagine that!!  That would be over 60 closed loans for those that took action all from 1 day’s work! 

• Jason Waters made 153 calls, spoke to 54 people, got 5 referrals, and set 1 appointment. 

• Sue Moody made 83 calls, had 51 talk-to’s, and locked in 7 referrals. 

• Dennis Gryder booked 9 realtor appointments from his calls. 

• Tara McCafferty made 125 calls, spoke to 33 people, and set 9 appointments. 

• Frank Garay landed a 5.5 million dollar deal and got 2 additional referrals. 

• Hil Smith made 56 dials, had 30 conversations, and secured 12 referrals. 

• Kim Bauguess had 27 conversations got 6 referrals and 1 top-producing realtor meeting. 

• Tracy Lindsey had 30 conversations, got 6 referrals and 2 refi apps. 

• Paulina Baque Ramos had 50 conversations and walked away with 12 referrals. 

• Mickey Lynam got 4 strong purchase referrals. 

• Jay Atterstrom only had 7 talk-to’s, but turned 3 of them into applications. 
   

And that’s just 11 of the LOs that were on the Zoom meeting making things happen!! 
 
And that doesn’t even count the dozens and dozens of meetings set with top-producing real estate agents to get even more referrals going forward!! 
 
This wasn’t luck. It wasn’t a fluke. 

It was just loan officers doing what real salespeople do—picking up the phone and making things happen. 

Blocking & Tackling: The Foundation of Sales Success 

There are a lot of distractions in this industry.  

Every day, we see shiny new marketing tactics. AI-generated content. Social media funnels. Fancy automation tools.   
 
All good stuff but none of that replaces picking up the phone and talking to people. 

The top loan officers don’t sit around waiting for leads to trickle in. They create opportunities by making calls, setting appointments, and building relationships. 

If you want to be a complete loan officer, you need to incorporate calls and meetings into your daily routine. 

That’s where the money is made. 

And the Call Stars 50 Blitz proved it once again. 

Your Invitation to the Next Call Stars 50 Blitz 

If you’re reading this thinking, “I should have been there,” I have good news for you. 

We’re doing it again. 

The next Call Stars 50 Blitz is coming soon, and I want you to be part of it. 

Here’s how it works: 

• Block off your entire day—no distractions, no meetings, just making calls. 

• Meet with me a few days before so I can share with you WHO to call and exactly what to say to them to help you to see if you can get the same results that hundreds of loan officers around the country got last Tuesday. 

• Come prepared with a list of at least 250 contacts—not everyone will answer, so you need a strong list. 

• Join us on Zoom and fly with the flock—we stay accountable, push each other, and celebrate wins in real-time. 

• Follow the simple script and start having real conversations. 

That’s it. No gimmicks. No fluff. Just real work that gets real results. 

I just finished my morning bike ride, and I was pondering the entire 2 hours, so I thought I would come in and download from my brain my thoughts while peddling this morning. 

First of all, let’s cut through the noise. 

If you’re looking to make more money, close more deals, and build a business that doesn’t run you into the ground, then keep reading—because this is the No B.S. Guide to Making More Money in 2025 as a Loan Officer. 

Warning: 
I’m not here to give you fluff. I’m here to tell you what actually works. 

Step 1: Own Your Mornings Like a Top Producer 

Most loan officers waste their mornings on emails, paperwork, or “getting ready” to work. 

The best loan officers make money first. 

Here’s how: 

• One hour of outbound calls – Call past clients, pre-approved buyers, and realtors. 

• One hour of follow-ups – Nurture leads who are “thinking about it.” 

• One hour of business-building – Post content, network, or meet with referral partners. 

Hard truth: If you’re not making money before noon, you’re losing money. 

Step 2: Stop Chasing – Start Attracting 

Most loan officers chase leads. The top producers attract them. 

Here’s how: 

• Communicate with your ideal referral partners and clients.  

• Post real success stories, not boring mortgage facts. 

• Stay top-of-mind with a weekly email, video, or text to your database. 

Reality check: If people don’t know who you are, they’re not sending you business. 

Step 3: Follow Up Like a Closer 

Want to make more money? Talk to people more times than you think you should. 

Most loan officers call a lead once and never follow up. That’s why they struggle. 

Here’s the fix: 

• If they don’t say no, assume they still need you. 

• Don’t ask, “Are you still interested?” Instead say: 

• “Hey [Name], just checking in—did you find a home yet, or is the search still on?” 

• Follow up at least 7 times. 

Loan officers who follow up the most, close the most. Simple math. 

Step 4: Build a Referral Machine 

Want more high-quality leads without buying them? Get more referrals. 

Here’s how: 

• Give before you get. Do a favor for a realtor or past client first. 

• Ask the right way. Instead of “Know anyone who needs a mortgage?” say: 

• “Who’s the next person I should be introduced to?” 
   

• Follow up on those referrals like green on a pickle and thank the person who referred them to you, whether it works out or not. 

Referrals aren’t random—they’re earned. 

Step 5: Cut the Time-Wasters 

Most loan officers drown in busy work that doesn’t make them money. 

Here’s what to outsource or automate as soon as possible: 

• Loan processing – Get a Processor. 

• Social media posting – Hire a VA. 

• Chasing conditions and putting out fires – Get a Loan Partner. 

Your job isn’t paperwork—it’s getting new business. Everything else should be delegated. 

Ready to Take Action? Here’s the Three-Part Challenge 

1. Lock in a “Money-Making Morning” – Outbound calls, follow-ups, content. 

2. Follow up with every warm lead at least 7 times. 

3. Send one referral request per day. 

Do this for 30 days and watch your income grow. 

Want accountability? Join me and thousands of loan officers using my patented scripts and conversation guides. 
 
This is where the real closers are sharpening their skills daily. 

No gimmicks. No fluff. Just real results. 
 
Go to GetMoreLoans.com and tell them you want to go over my proven plan and scripts and they will give you some… free. 

Let’s win 2025. 

If you’re serious about closing more deals and scaling your business, don’t just read this—implement it. And if you want a community to hold you accountable, This Is Where Your Journey Starts.