Ice Ice Baby…

Last week we had a couple hundred LOs learning from each other at my 2-day boot camp. One of the things we talked about during a break was…


It’s a way to determine whether or not to work on a new project. You know, working on a way to get more leads or working.

You see, there are so many “good ideas” thrown around these days, that we have to make sure we stay focused on those few things that actually work.

Here’s what ICE stands for.


This is the filter I use to decide whether or not to start a new project.

IMPACT: Once this project is completed, what is the projected impact that the results are likely to have?

In other words, are the results of this project going to “move the needle”?

CONFIDENCE: How confident am I that I will get the desired results mentioned in the IMPACT statement?

This is actually pretty easy… assuming you are hanging out with the right people.

You see, all I have to do is see what some of our Freedom Club members are doing, look at what they are doing, then copy their actions.

When I copy what somebody is doing, I’ll get the same results.

I stay away from unvetted FB groups and such. I see some people giving all kinds of advice when in reality, they have a “struggle bunny business” themselves.

So be very careful on this one and just simply copy the winners.

EASE: How easy will it be to complete this project?

To be more precise, it’s really asking how easy it will be for my team to complete the project.

See, they have different skills than I do. Some of the things that I think are hard, they think are easy… and vice versa.

So the more complete question is, “How easy will it be FOR THE RIGHT Person to complete this project?”

I measure all of these on a scale of 1-10. For me to work on a new project, it has to rank an 8 or above on all 3 scales.

So it has to rank “8” or above on expected impact, “8” or above on my confidence in the results, and “8” or above on how easy it will be (1 being very difficult and 10 being super easy).

Put this little exercise to work and you’ll find yourself working on extremely useful projects that provide many new closed loans, and it’ll be easy to do.

We often think that massive results must always take “hard work” and “grind”.

If you find yourself grinding, it’s likely you are doing it wrong…

If you want some help on planning out a new project or help on deciding what new “loan getting” project to work on,
hit me up here and I’ll hook you up.

Click here for help with building your team

Building a Team to Build Your Business

On this episode of Loan Officer Freedom, the #1 podcast nationwide for loan officers, I’m joined by my friend and Freedom Club member, Landy Garcia.

Landy has built a world class team by learning that being aware of the boiling point during your mortgage business growth, helps you know when it’s time to hire.

He explains that when he started the increase from 5 to 7 loans per month to 10 to 11 loans per month, that’s when he felt the impact of not being able to do it alone. 

Using the Axe of Freedom that Mortgage Marketing Animals has taught him in his coaching journey, he targeted certain areas where he needed help. That’s where the roadmap to success began, giving him more time with his family and to do the things he loves to do. 

To learn more about the Axe of Freedom and building a dream team, connect with us one on one for a free coaching call with our top strategist. Schedule Now <entirely free>  

What Loan Officer Leadership Podcast Is All About

Loan Officer Leadership shows you how to implement strategies that you can put into play today. On this podcast, Steve Kyles interviews top producing loan officers as they give you the tools to bring a simple and consistent process that produces a repeatable, referable experience for your mortgage business.

Are you too busy?

Busy is the poison of growth. Let me say that again, “busy is the poison of growth!”

If you’re “too busy right” now, I’ve got news for you…you need to hire help.

So many in our industry are almost drowning in business right now, which on the surface sounds like a good thing, but the comments and conversations I continue to have with loan officers is that they are just too busy to go out and get even more business.

As the loan originator, it’s your job to do the “loan getting” activities. You focus on bringing in the business. From there, you have a team in place who chase conditions, put out fires, etc. Without you, nothing else comes through the pipeline. So if you’re not sourcing and generating leads right now, what are you focusing on? If you’re “too busy” to source new business right now, what will your pipeline look like 30 days, 60 days, even 90 days from now?

To get off the loan officer roller coaster, that is one month you’ve got all the closings in the world and the next month you’ve got none, you have to have help.

“But Carl, how do I hire someone, and who do I hire to come on to my team? And can I even afford to hire someone right now?”

First things first, you can’t afford NOT to have someone on your team if you’re too busy. The cost of inactivity is always greater than the cost of taking action. The first step is knowing what needs to be done. When you know what needs to be done in your mortgage business, you can assign certain tasks to certain people. After that you can begin to hire the right person (or people) to help you carry out those tasks. In my branch, we use an assessment test called, The DiSC Profile. It helps us understand what someone’s strong suit is. Because we understand that, our branch runs like a well oiled machine because everyone knows what they’re good at and they are operating in their highest and best use.

We have our Loan Partners, Processors, Assistants, and others on our team take the DiSC Profile. Incorporating this assessment into our hiring process has been the catalyst for hiring what we like to call our “A” team!

Just as an FYI, you can take the Disc Profile for free on this site.  The report that it sends you is around 72 pages of great information of your personality and your workers’ personality to help get more production with less “office drama”.

Click here for the Disc Profile