Busy VS Productive (my secret sauce…)

How do you work in your mortgage business? Are you a “busy” person? Or a “productive” person?

Busy people try to accomplish as many things as possible in the 8 hour work day. 

Productive people prioritize their major tasks, and accomplish those in order of importance so that their day’s worth of work is maxed to its full potential.

Busy people say yes to every task they have a chance to take. 

Productive people know how to differentiate between urgent tasks and important tasks. They focus on getting what matters done instead of dividing their hours into trying to finish different urgent tasks.

Busy people multitask. 

Productive people focus. 

Busy people put all of their effort towards accomplishing as many tasks as possible in the shortest time possible, and often find themselves in the middle of 2 or 3 ongoing assignments at one time, which interferes with the quality of their end result. 

Productive people place their focus on doing the tasks that matter the most as efficiently as possible.

Productive people multitask, but in a way that’s beneficial to themselves and their time constraints. For example, a productive person jots down notes on an upcoming project while waiting for their coffee, or in their free time before a meeting starts.

Sometimes it’s hard to stay productive, and to not fall into that trap of “getting busy”, especially when life and work get in the way. 

It takes some real, genuine effort to maintain that habit of being productive- but when you establish that habit, you’ll find that you accomplish more in your day, and the balancing of your work life will become that much easier.

I want you to actively try to be productive this week. 

Even if you have to start small by focusing on implementing just one of the above habits, I still want you to start. 

Great things start somewhere, and they always start small.

I know you can make this change, and I know you will excel in it, and I want you to know that you have my full support and enthusiasm in this endeavor.

Thank you for taking time out of your busy day to read this, I hope it helps you realize and utilize your full potential.



Schedule a free coaching session today

Is the 10x thing real?

Did you know that it’s easier to develop a 10x Mindset than a 2x Mindset?

For example, it’s easier to develop a mindset of going from 4 loans a month to 40 loans a month (like Kory Kavanewsky, Tammy Saul, Chris Haynes, Robert Fillyaw, Kim Rivas, David Holland, myself, and many more have done), than it is to have a mindset of going from 4 loans to 8 loans per month.

Here’s why …

You already know how to get where you are. You know the steps you’ve taken and you’re probably confident in your capabilities to get there again.

You know the path, and you know how to maintain your current success and achievements.

You also know it was a lot of work to get to where you are today.

So if it were suggested to you to grow 2x and double your current loan production, your first instinct may be to resist the thought of doing twice as much work to get there, and I don’t blame you!

Often the first thing people hear when someone says “double your success” is “twice as much work”, and twice as many hours, you know, more grinding… who wants to do that??

Therefore, something that would be positive and exciting becomes negative right off the bat.

2x growth isn’t big enough to warrant major changes.

It’s possible to achieve 2x by simply working twice as hard by, say, working weekends or late nights, which you may already be doing… totally uncool for you or your family. 

But that means giving up something to get a reward that isn’t much better than what you’re already getting, and if it means even more hours or even more “grinding”, heck, I would tap out too. 

For that reason, it’s hard to be really excited about 2x growth.

However, if you say “10x,” it causes a different reaction entirely.

Most people can’t conceive of working 10x harder. It’s not within their realm of possibility. And, in fact, what it takes to get to 10x is not more of the same—it’s something completely different.  

Ask any of us that have actually done it.

Going 10x requires just the opposite of more work: a lot less work—but the right kind of work.

It requires stronger teamwork and support around you so you can focus only on what you do best and what generates the most income for you and your family, all while helping even more other families live the American Dream.

It requires having a plan that doesn’t have you putting out fires every day, so you can increase your free time exponentially, as well as your growth.

It also requires you to have a proven plan of developing more leads (and of course not buying leads that are nothing but a money and time suck).

Having a 10x Mindset automatically plugs successful and happy LOs into a vast, expanding, exponential stream where they can multiply their results by 10x while dramatically reducing the amount of time and effort needed to achieve them.

And want to know the truth?

You’ve gone 10x many times throughout your life already. It’s also absolutely possible to continue to go 10x in all areas of your life. It’s required in becoming a True Success.

In order to become a True Success, you need to think bigger than your past. You will need to think beyond what your competitors are doing. You will need to open your mind to bigger possibilities.

Let’s map it out… together.  Let’s map out the same kind of plan that all the Truly Successful LOs that I know have followed.

And, let’s do it right now, because it’s your turn RIGHT Now!

Where do you start?

Let’s start right hereFor Free.

In fact, if you think this is a waste of time, I’ll Pay YOU $200.

Get Your 10x Plan Here

See ya inside.
Carl White

If you could INCREASE YOUR RESULTS by 10x, and INCREASE YOUR COOLNESS FACTOR by 10x, why would you put that off. 

Nothing to lose, let’s start here.

Work or Play during holiday season?

We are coming into the holiday season already. 

The question that always comes up is, “Should we take time off, or should we “grind” while everybody else is taking time off?”

Here’s what has helped me the best…

First of all, do good focused work on a 32 hour work week for 11 months out of the year, and, as long as we have focused on building up our referral network, and not focused on chasing page 3 of the bank statement, we will build up our business so much that you will have earned the right to take off the entire month of December.

But here’s the thing, most LOs are so busy “waiting for things to get better” that they don’t take the time to work on building up their referral network.  

We are coming into the holiday season! What is the one thing that most loan officers and real estate agents stop doing as the holidays approach?

That’s right! They stop selling!  Have you ever heard this from one of your real estate agents? Let’s wait till after the first of the year. Or, Let’s talk later.  Or, Hey I want to take some time off! Have you perhaps said those words yourself?

Let’s chat about that for just a second.  As you know, I am a huge NASCAR fan! Did you know that on the superspeedways like the Daytona 500 that they virtually never put their foot on the brake the entire race, other than when they come in for gas or tires.  They have their foot on the gas pedal the entire time.  When they need to slow down they just take their foot off the gas for a second and then back to full throttle.

This holiday season, take a lesson from NASCAR and consider not slamming on the brakes!

Continue to make your phone calls.
Just consider different topics.  For example, invite them for a coffee just to catch up! Ask about their families.  Ask about what kind of presents they are going to get for their spouse or their kids. Ask what they’re going to do for the holidays. Do they get a real tree or an artificial tree? Do they Open their presents on Christmas Eve or on Christmas day? Meet them at the mall and have the coffee with them while they’re shopping!

Of course we don’t call on the actual holiday day, but the days leading up and immediately after, these can be very productive days.

And as always, we only work from 9am to 5pm.  The mornings, evenings, and weekends are times that we spend with our families, friends, or just recharging our batteries because we have earned the right to do so (and our families deserve our time).

The key is, when January comes, instead of trying to restart your cold engine, simply change your conversations back to “sales mode” and start asking for the business again.

You can encourage your real estate partners to do the exact same thing. It’s much easier to go from 50 to 200 miles per hour than it is to go from 0 to 200. There’s a lot less wear and tear on the car and the engine!

This holiday, do what other loan officers are not willing to do! Keep making your calls! Come January, you’ll be thanking me.

When you are ready to have me hook you up with a step by step plan of exactly what to do to close an additional 4-6 more loans per month in the next 90 days, we’ll map it out for you on a 1 on 1 zoom call <no charge>.

This is the same plan that the Top Producing Loan Officer Freedom Club are currently having continued great success with.

Get Your Free Plan Here

To Your Success!

Carl White   

Must do this

One thing we must do, particularly in this new market that we find ourselves in….

PROSPECT NOW with the DSP (Daily Success Plan).

Here’s why…

Understand that the effort you do in prospecting this month will give us our results for January, February, or even March (which historically can be the slowest months for LOs). 

See, we are in a pipeline business.  The pipeline is at least a 90 day process.

I get it, sometimes when we prospect, we get a deal right then.  But most of the time, the vast majority of the time, it’s about a 90 day delay from prospecting till file in process.

First of all, 67% of all home buyers get their financing from the loan officer their real estate agent recommended!!


We have to make sure that we take around 2 hours at the beginning of each day to:

1. Prospect with agents in our area that are closing at least 8 buyer sides per month but not currently referring to us.

2. Giving appreciation and asking for even more referrals to agents that are already referring to us.

3. Updating the buyer agent, the listing agent, the borrower, the co-borrower, and the title company and then using my “3 X 3” script to ask for even more referrals from those people in a super cool way that has even more referrals rolling in.

4. Marketing to your past database by phone, text, snail mail, email, and targeted social marketing.

5. Calling your pre-approved looking prospects with the “Future Casting” script to help ensure we actually close on those people that we have already put all the effort in getting the lead and pre-approving them.

6. Texting our referring agents with the “Thursday Text” to get even more referrals on Thursday and Friday so that we can take the weekends off.

The reason why most LOs are down this season is because they forgot how to prospect or perhaps they never had to because with rates in the 2’s and 3’s, we were too busy patting ourselves on the back with all the business that was coming in… heck, who could blame us..
We started thinking that we don’t need to prospect like every other sales people do because loans were just pouring in from everywhere.

That thinking is costing most LOs from achieving truly epic results.

Understand that it’s not your fault if that is your thought process, it’s likely that nobody has ever shown you how to actually prospect in a super cool (and easy) way and how to have ever increasing production (ie, EVEN MO’ MONEY IN YOUR POCKET)

If you want to see a step-by-step approach on how we time block our week so that we can do all those things, about who does what, resulting in even more $$$ to you, all while taking evenings and weekends off….

Let’s set you up with a 1 on 1 zoom meeting where we’ll walk you through exactly how to do this <no charge>

Schedule 1 on 1 zoom meeting here to see how

We’ll also share scripts to get more referrals and past database stuff.

It’s your turn now!!

Talk soon!

Magic Beans for LOs…

The vast majority of LOs want to be sold a “magic bean” to build their business.  Virtually all the ads we all see today are proof of that. 

But you personally want to remember that smart people don’t believe in magic beans.

If you want to make serious money in a serious business, then you need to acquire some skills and knowledge, preferably from people that are actually doing, at a very high level, what you want to do.
Let’s get you hooked up with a plan, a serious plan, done by people that are seriously successful. 

Your 90 Day Plan <no charge>

…. and no magic beans included…