Stop Competing on Price and Start Winning More Loans with Kevin Gillespie

Episode 593

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

In this episode, Carl sits down with Kevin Gillespie, leader of the Leadership Academy at Mortgage Marketing Animals, to reveal how loan officers can stop competing on price and start winning with value. Kevin shares five key strategies that top producers use to raise conversion rates, increase profits, and stand out in a crowded market without being the lowest rate in town.

Together, they dive into how to build irresistible “wow” offers, stack value into every loan, and instantly engage clients so they feel confident choosing you from the very first call. You’ll also learn how to move from transactional selling to true consultative conversations that build trust and long-term relationships.

If you’re ready to earn more while doing less, this episode will show you how to turn pricing pressure into profit power.

Want help putting these systems in place for your own business? Visit ProfitDrivenPlan.com to schedule a free strategy call.

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Grandma with the Oranges: A Heartfelt Lesson on Time and Connection

If you’re ready to design a workweek that helps you close more loans and have more time for what truly matters, visit GetMoreLoans.com and ask to see The Perfect Week.

In this week’s Wednesday Quick Tip, Carl White shares a touching story about his great-grandmother, lovingly known as “Grandma with the Oranges.” What seemed like a simple act of peeling and sharing oranges was actually a masterclass in presence, patience, and meaningful connection. Carl reflects on how those moments taught him the value of slowing down and being intentional with the people who matter most.

He then connects this timeless lesson to the modern mortgage professional’s life, showing how you can earn more while winning back the time to spend with loved ones and make a real impact.

Don’t Show Your Scratches: The Secret to Reconnecting with Your Past Database

Want the exact scripts, templates, and follow-up steps Carl mentioned?
Schedule your free call here to get access: LoanOfficerStrategyCall.com

In this Wednesday Quick Tip, Carl White shares a simple but effective approach for reconnecting with your past database, even if it’s been a while since you’ve reached out.

Using a real-life story about a classic 1957 Chevy and a lesson from a car show, Carl explains why you don’t need to apologize or over-explain when you follow up with past clients. Most loan officers overthink the outreach, but Carl reveals that the key to success is simply not pointing out your “scratches.”

Whether it’s been months or even years, you’ll learn how to confidently reach out using a straightforward script from the Refinance Toolkit, a system that’s generating real results for loan officers right now.

If you’re not currently getting at least 40 percent of your business from past clients through refinances, you’re leaving money on the table. Someone is getting those deals. It should be you.

You Don’t Need $2 Million to Make a Great Living

Episode 592

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

In this episode, Carl shares a powerful perspective that every loan officer needs to hear. He explains why building a thriving mortgage business is actually a smarter and more profitable path than owning a franchise like McDonald’s. He compares the $2 million investment it takes to open a single McDonald’s location to the near-zero startup cost of being a loan officer and reveals how a handful of well-managed closings each month can outpace what most franchise owners earn in a year.

Carl breaks down the real numbers, lifestyle freedom, and scalability that make the mortgage business such an incredible opportunity when you follow the right systems. He also gives a nod to Kevin Gillespie and the Leadership Academy for inspiring this powerful mindset shift that could change how you see your own business.

If you’re tired of thinking you need a massive investment to make a great living, this episode will open your eyes to just how close you already are to building your own McDonald’s-level success without the grease traps or name tags.

Ready to see how simple it can be to grow your income and freedom at the same time?
Visit GetMoreLoans.com to schedule a free strategy call.

Using AI To Clear Underwriting Conditions

Episode 591

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

In this insightful episode, Carl sits down with top-producing loan officer Mike Steplowski from Mount Juliet, Tennessee, to uncover how his team is using AI to clear underwriting conditions faster than ever. Mike shares how his crew leverages a free AI tool called Perplexity to instantly find answers straight from agency guidelines, cutting out the hours of manual searching and reducing interruptions so everyone stays focused on closing loans.

Carl and Mike break down how this simple shift has streamlined communication, boosted productivity, and helped his team close 13 loans in a single month while freeing Mike from being the “easy button” for every question. They also touch on how sticking to the basics of the Daily Success Plan continues to fuel steady, referral-based growth even in a changing market.

This episode is a great reminder that technology doesn’t replace good habits, it amplifies them. When your team knows where to find answers, you stay focused on what really moves the needle: conversations, closings, and client relationships.

If you’d like to connect with Mike, click here to find him on Facebook.

Join Loan Officer Breakfast Club at LoanOfficerBreakfastClub.com where we share ideas like this every weekday morning and even send you the replays if you can’t make it live.

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