Rowing Through Life: The Power of Encouragement and Belief

Welcome to Loan Officer Freedom, the #1 podcast in the country for loan officers, hosted by Carl White.

In this episode, your host, Carl White shares a heartfelt story about a rowboat and the lasting impact of encouragement from his grandfather, illustrating how positive reinforcement can shape our beliefs and abilities over decades.

He emphasizes the importance of surrounding ourselves with supportive people who uplift us, especially in challenging times, and discusses the detrimental effects of negative influences.

Join Carl and Kristen as they explore the power of self-belief, the significance of maintaining a positive mindset, and practical ways to protect our mental well-being.

Tune in for an inspiring message that encourages you to row your own boat and stay focused on positivity!

Schedule a one-on-one free coaching call, click here or visit LoanOfficerStrategyCall.com.

The end of day habit that helps me sleep

Here’s a small end-of-day routine that helps me stop bringing the business to bed with me (so I can actually sleep at night).

Years ago, I’d lie there at night, staring at the ceiling, running through every task I didn’t finish:

Did I return that agent’s call? What if the Smiths’ appraisal comes in low? Should I have followed up with that hot lead?

One night around 2:30am, I got out of bed, opened my laptop, and the lovely Mrs. White, half-asleep, asked:
“Are we really doing this again?”

That hit me.

I was never shutting off.

Now I’ve learned something:

High performers don’t just start strong — they finish well.

So here’s my shutdown routine I do every day:

1. Write down the 4 most important things for tomorrow
(I pull these off of my Brain Dump Daily sheet)

Not a full to-do list — just what moves the needle for me the most.
I do this before I log off, so my brain doesn’t have to keep track overnight.

2. Clear the digital clutter.
Close out all browser tabs.
Log out of email.
Power down if you can.

It’s a signal that the workday is done.

3. Send one thank-you message.
A borrower. A realtor. A teammate. Doesn’t matter.
Ending the day with gratitude resets everything.

Is this a cure for stress and sleepless nights?
Not exactly.But I’ll tell you this — I sleep better now.
And more importantly, I show up stronger the next morning.

You did enough today.
You are enough.

AI Revolution: Transforming Mortgage Marketing Strategies

Welcome to Loan Officer Freedom, the #1 podcast in the country for loan officers, hosted by Carl White.

In this episode, your host Carl White and Chris Johnstone dive into the exciting world of AI and its transformative impact on the mortgage industry, featuring the latest advancements from Google’s Gemini and how it changes the way we search for information.

They discuss the shift from traditional search results to AI-generated answers, the implications for loan officers and lead generation companies, and strategies to position yourself as an expert in this new landscape.

Discover practical tips on leveraging AI tools like ChatGPT to enhance your customer interactions, create valuable content, and ultimately build your brand in a rapidly evolving digital environment.

Don’t miss out on this essential conversation about adapting to the future of AI in the mortgage business!

Visit LoanOfficerBrand.com to access our free guide featuring seven essential prompts to kickstart your journey with AI.

Go to LoanOfficerCRM.ai/offer to take advantage of our special offer!

Schedule a one-on-one free coaching call, click here or visit LoanOfficerStrategyCall.com.

From Wall Street to Mortgages: A Family Journey

Welcome to Loan Officer Freedom, the #1 podcast in the country for loan officers, hosted by Carl White.

In this episode, your host, Carl White sits down with brothers Greg and Jim Malamut, who share their journey in the mortgage industry, following in the footsteps of their father, Bill Malamut.

Discover how they transitioned from corporate jobs to thriving as co-branch managers, achieving impressive numbers even in challenging market conditions.

They discuss the dynamics of working together, their innovative marketing strategies—including creative social media content and community engagement—and the importance of building strong relationships with real estate agents.

Tune in to learn how they balance their professional and personal lives while aiming to double their business and continue their father’s legacy.

Schedule a one-on-one free coaching call, click here or visit LoanOfficerStrategyCall.com.

Swipe this email and send to Realtors for Referrals

In this blog is a simple email for you to swipe and send to your list of Realtors that you want to work more with.

Let me give you the backstory first…

Years ago, I was meeting a Realtor for our first “coffee meeting”. 
At one point she said, “I’ve got a pile of old leads, but they’re probably dead.”

I said, “Mind if I follow up on a few of them for you?”
She laughed—”Knock yourself out, they’re all ghosts.”

So initially, she sent me 10 of them, and I called them.

And you know what happened?

A few were duds.
But two of them—TWO!—got pre-approved and closed within 60 days.
She handled the buyer side on both deals…
And even landed a listing from one of the referrals.

Let’s just say… I had a new best friend.

And yes, she sent me the rest of her old leads, and all of her new ones going forward ☺

That one simple act turned into a long-term referral relationship—
And a steady stream of closings I would’ve never seen otherwise.

Here’s how you can do the same thing, starting today:

Send this message to a Realtor you like working with (or want to):

——

Subject: I’ve got an idea for your old leads

Body:
Hey [Agent First Name] — do you have a list of leads that ghosted or fizzled out?

If so, I’d be happy to follow up on your behalf and see if I can warm any of them up again.
I’ll be professional, helpful, and if I get anyone re-engaged, I’ll hand them right back to you.

It’s just a simple way I can help you close a few more deals this quarter.

Want to give it a try?

– [Your Name]

——-

That’s it. Nothing fancy.

–Quick win
–Zero cost
–Zero pressure

And it positions you as the kind of loan officer every agent wants in their corner.

Do it today. Be helpful. Play the long game.

Let me know how it goes.