Magic Beans Out, Focused Prospecting In

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 addresses a common misconception among loan officers: the search for a magical lead source that will transform their business.

He emphasizes that the true key to success lies not in finding the next big thing but in mastering the art of follow-up and consistency.

By sharing a compelling story about a loan officer who doubled his business by focusing on what already works—building relationships and following up with past clients and referral partners—Carl encourages listeners to take action and prioritize prospecting.

Don’t miss this insightful discussion that could change the way you approach your loan officer career!

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

My dirty job

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.

The Underdog Advantage: How Imperfection Can Propel You Forward

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 personal story about overcoming a childhood speech impediment and the pivotal moment that changed his life—his ability to say his friend’s name, Rory.

He reflects on the importance of perseverance, mentorship, and taking uncomfortable actions to break through barriers in both personal and professional life.

Join Carl and Kristin as they challenge listeners to identify their own “Rory moments” and take that first step towards growth, reminding us that imperfection can be a powerful catalyst for success.

Don’t miss the call to action at the end, where Kristen shares a powerful message that could change your perspective!

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

From Advocacy to Action: The Push for Trigger Lead Legislation

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

In this episode, your hosts, Carl White and Owen Lee dive into the latest updates on the mortgage industry, focusing on the recently introduced trigger lead bill in Congress.

Owen shares key highlights from the Mortgage Bankers Association’s advocacy conference, revealing strong bipartisan support for the bill aimed at regulating trigger leads.

They also discuss the implications of this legislation, the role of AI in the industry, and the potential timeline for its passage.

Don’t miss this engaging conversation that sheds light on the future of mortgage lending!

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

Your Secret Weapon: Leveraging Credit Unions for Steady Referrals

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 valuable insights on how loan officers can tap into the often-overlooked resource of credit unions for referrals.

Inspired by a question from Glenn, a successful loan officer from Long Beach, California, Carl discusses the importance of building partnerships with credit union leaders and offers a strategic approach to help them protect their member relationships.

Discover how to position yourself as a trusted mortgage partner, the benefits of reaching out to credit unions, and actionable steps to create a steady stream of referrals that can feed your pipeline for years.

Don’t miss this opportunity to learn how to do things differently and achieve more in your loan officer career!

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