Should You Go to Every Closing?

I’m currently at 36,081 feet and streaking across the sky at 537mph and I thought I would drop you a quick note.

This came up in a recent support call, and I thought it might be helpful to pass along to you—especially if you’re pushing to grow past 4, 5, maybe even 10 loans a month.

Here’s the question:
“How do top-producing loan officers attend all their closings and still grow their business? Isn’t attending the closing a top money-making activity?”

Fair question.

Here’s the honest answer:
They don’t go to every closing. And neither should you.

Now I get it—closings feel like a big deal. They’re exciting. You’ve worked hard. You want to be there.

But here’s what the pros know:
Closings are the reward, not the opportunity.

The real money is made before the closing—when you’re prospecting, having referral conversations, and building your pipeline.

If you’re attending every single closing, you’re probably not doing enough of those things.
That’s a hard truth, but a helpful one.

Top producers—folks doing 15, 20, even 30+ loans a month—don’t have time to attend every closing. Sometimes they have two or three in one day, maybe even at the same time.

Instead, they have a system:

  • A team member attends the closing and represents them with class.
  • Or they send a short, heartfelt video to the client. Maybe a quick thank-you call.
  • For VIP clients or special circumstances? Sure, they might show up in person. But that’s the exception, not the habit.

And here’s something else the pros never wait on:

They don’t wait until closing to ask the listing agent for referrals.

That ship sailed 4 weeks ago.

The smart LOs—our LOs—make contact on day one.

The same day the contract comes in, they call the listing agent, introduce themselves, and start building that relationship.
They use a simple script to turn that first touch into a future deal.

Because once the closing happens? You’re old news.
The agent’s already knee-deep in the next deal. And the next LO that called them first.

So if you’re wondering how to scale without sacrificing service—this is it:

Spend your time where it pays off the most…

…And have a system that makes the client feel like you were at the closing, even if you weren’t.

That’s how you go from good… to great.

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

What Everybody Isn’t Talking About, But Should

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 teams up with Owen Lee to unpack the quiet earthquake shaking up the mortgage industry—massive moves…

Episode 557

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 teams up with Owen Lee to unpack the quiet earthquake shaking up the mortgage industry—massive moves by Rocket Mortgage that most LOs have already stopped talking about.

They reveal how Rocket’s acquisition of Redfin and Mr. Cooper could reshape borrower behavior forever, giving them first dibs on millions of consumers before the rest of us even know they’re looking.

Carl and Owen use a powerful bear-and-salmon analogy to show how referral-based LOs risk losing deals unless they evolve fast—and how smart use of predictive tech can help you stay ahead.

This isn’t a doom-and-gloom episode—it’s a call to action packed with clarity, urgency, and opportunity for those willing to pivot now.

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

67 Closings in One Month (Here’s the Real Reason Why)

Just wanted to share something that fired me up…

One of our longtime private coaching members, Tammy Saul, texted me this the other day:

Just in case you missed that:

“Closed 67 loans in May for just over $23 million…

$500k in revenue, $200k in expenses.

Already have 55 loans in process for June.”

And keep in mind, that’s not a team of 5 loan officers, or even 3.

That’s her own personal production, just her and her assistants.

Now, I’ve known Tammy a long time. I’ll tell you what this wasn’t —

It wasn’t luck.

It wasn’t the market.

It wasn’t some magical lead source.

It was structure.

It was systems.

It was having the disciple to do the things that work, day in and day out.

What I love most is that she doesn’t look for shortcuts—she builds.

She leads.

And she’s showing the rest of us what’s possible when we stop overthinking and just take focused action every day.

Nothing fancy, no magic beans, just a burning desire and focusing on what actually works.

The truth is… most loan officers are only missing one or two pieces.

Tammy just happens to do those pieces every single day.

Build Your 3-Hour Power Block

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, busts the myth that longer hours mean more closings—and shares how focused effort wins every time. He…

Episode 556

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, busts the myth that longer hours mean more closings—and shares how focused effort wins every time.

He walks through the 3-hour daily system that top-producing LOs use to double their volume while taking their nights and weekends back.

You’ll hear the real-life story of “Debbie” who traded 12-hour days for focused mornings and now closes more loans than ever.

If you’re ready to stop chasing busy work and start making real money with real balance, this one’s a must-listen.

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

What Ham Radio, Biking, & Mortgages All Have in Common

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 how three unlikely passions—ham radio, biking, and mortgages—actually carry the same core lesson…

Episode 555

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 how three unlikely passions—ham radio, biking, and mortgages—actually carry the same core lesson for success.

Carl dives into the overlooked art of listening with intention and the power of clear communication that cuts through the noise.

He draws a sharp parallel between pedaling up a hill and building a pipeline—both requiring daily consistency, not once-a-week effort.

You’ll walk away with a deeper understanding of how to “be the signal” in your business and why success always favors those who show up, stay clear, and keep going.

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