You think this is hard? 

A few years back, I found myself in my Ford F-150 pickup truck, sitting in the parking lot with my head in my hands thinking that this loan officer work was just too darn hard… 
 
Leads were a little hard to come by, appraisals were slow, and I was having to make some difficult “your deal is going sideways” phone calls… 
 
As I was having my own little pity party, I heard an inner voice tell me to look up. 
 
When I did, I had a life-changing moment.  Let me explain further. 
 
When I looked up, on top of the building next to me, there were 3 men and 1 lady on top of the roof.  And this roof wasn’t like most roofs, it was a flat roof. 
 
Well, from time to time with a flat roof, you have to “Tar Mop” it. 
 
That’s where you get buckets of super hot tar (so it’s spreadable) and literally get kitchen mops, and spread the hot tar on the roof.  
 
I did that one summer when I was in high school and I can tell you it was the hardest job I’ve ever done.  The tar was super hot, it splattered on my arms causing instant burn blisters, the fumes from the hot tar were almost as bad as the mosquito bites and the sunburn from the hot Florida sun.  
 
As I looked up from my air conditioned seat in my truck that day and saw those 4 people working very, very hard in the most miserable conditions, I heard “that voice” again… 
 
“Carl, you want to know what hard work is, those 4 workers on that roof are experiencing hard work.”  It’s hot, spreading the tar is like spreading molasses, just backbreaking work… 
 
… oh, and by the way, it pays around $14 an hour at best. 
 
I then heard that voice one more time… 
 
“Carl, I’m asking you to do 3 simple things to make more money than you could have ever dreamed of…” 
 
I’m asking you to Talk, Type, and Think… Which you can do while sitting in an air-conditioned room, in a very comfortable chair… no fumes, no mosquitos, no sunburn… all while making more in 1 month than the roofers will make in an entire year.” 
 
Talk, Type on a computer, and Think.   Resulting in helping a lot of people, making lots and lots of money, and no tar fumes. 

and here’s the other thing, we don’t even have to think too much because we can just copy the already super successful, well, as long as that’s who we’re hanging with instead of the doomsayers.  
 
Once that was crystal clear in my head, I felt a wave of relief and gratitude wash over me like a warm blanket on a cold night. 
 
So here’s the thing, we are not in “hard times” right now, we simply have to talk (saying the right things to the right people), type (communicate and follow up with those people), and think (again, this is minimized by hanging out with the winners). 
 
Now, those that don’t do those things, those that try to do business the same way they did it last year, well, it could be a very very hard season for them coming up.  Don’t be one of them.  

We have to be adaptable and work the “Epic Success Plan” while talking, typing, and thinking.  It’s really just that simple and doesn’t involve buying a bunch of widgets.  
 
The Epic Success Plan is exactly what we are mapping out on our coaching calls with our high-level and high production (while low-stress) loan officers.  It’s absolutely amazing what can be covered, and the results some of the LOs get on even just 1 of these 1 on 1 calls. 
 
If you want a free sample of what even just 1 of those calls can do for you, I’ll give you one.  <no credit card, no “trail”, and no strings attached>  We’ll help you with what to say, who to say it to, how to communicate with them, and what the top producers are thinking… you know, their Epic Success Plan. 
 
Free Sample 1 on 1 Coaching Call 
 
Just go here and we’ll help you with the right activities, the right conversations, and with the right people… right now ☺.   Why, because that’s the way we roll around here.

Should I Float or Should I Lock

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 share insights on the best practices for loan officers and borrowers alike.

Owen discusses the common concerns borrowers have about interest rates and how to navigate these conversations effectively.

He emphasizes the importance of locking in rates to avoid potential pitfalls and negative experiences at the closing table.

With real-world examples and a touch of humor, Owen explains why taking the sure thing can lead to better outcomes for both loan officers and their clients.

Don’t miss out on this informative discussion!

For more insights from Owen, join us every Thursday morning at the Loan Officer Breakfast Club, where he provides updates on the market and shares valuable tips for success.

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

From Gaps to Gains: Building a Winning Mortgage Team

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 his longtime friend Chris Johnstone discuss the importance of building a strong team for loan officers aiming to enhance their mortgage marketing efforts.

They emphasize the value of loan officer training programs and how identifying individual strengths and weaknesses can lead to a more effective team structure.

They also share insights on how to scale a mortgage business, particularly for those looking to close around 10 loans a month.

Additionally, they highlight the necessity of hiring trained assistants to handle tasks such as contract-to-close processes, allowing loan officers to focus on loan officer marketing and client relationships.

Don’t miss out on the actionable advice that can lead to greater success in your mortgage career!

If you’re looking to tighten up your team structure or need assistance in closing more loans, visit getmoreloans.com to schedule a consultation.

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

Why Realtor Referrals Outperform

In this video, Carl White dives into the importance of realtor referrals for loan officers.

He discusses the stark contrast between the closing rates of social media leads and realtor referrals, revealing why focusing on real estate agents can significantly boost your business.

Discover why marketing to real estate agents is the best strategy for closing more loans.

For more tips, strategies, and scripts – we invite you to a completely FREE DEMO call here.

The storm is over, no electricity, and we are ok.

First of all, thanks so much for the well wishes.  Yepper, the “not so secret, secret headquarters” of my office is located in the epicenter of Milton’s landfall. 

Everybody is ok, just a LOT of future firewood and no power, but it’s all good.

With the no power, I was catching up on some reading and came across this article that Kevin Broughton sent me last week.

WOW!

Such a spot-on, yet simplistic analysis of the 3 things that the top loan originators have.

Here’s a copy of the article <no opt-in needed>, the link goes directly to the PDF to read.

Let me know what you think.

Loan Officer Freedom