Closing 8 for the Month / Writing a Book

With 27 years of experience in the industry, Kambi shares her journey of transformation, going from closing 2-4 loans a month to an impressive 9-10, and her ambitious goal of reaching 15 deals per month.

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 dives into an inspiring conversation with Athena Pena, a successful loan officer based in Seabrook, Texas. Athena shares her journey of becoming a loan officer, the unique marketing strategies she employs, and her recent venture into writing a book titled “12 Tips Everyone Should Know About Mortgages.”

Join them as they explore:

  • Athena’s target audience and how she effectively distributes her book to home buyers and real estate agents.
  • The innovative design of her book, which serves as a handy tool for networking and client engagement.
  • The importance of consistency in business and how Athena balances her career with homeschooling her children.
  • Tips for new loan officers on building relationships and gaining referrals in a competitive market.

Don’t miss this episode filled with practical advice and inspiration!

If you want to learn more about the strategies Athena uses to close loans and grow her business, visit getmoreloans.com to schedule a free coaching call!

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

28 Value Propositions That We Use

In the dynamic world of mortgage lending, efficiency and client satisfaction are key. Loan Officer A.I. CRM, a groundbreaking innovation by Connection Inc., is transforming the landscape for loan officers. This blog explores how this CRM stands as a beacon of progress, offering unparalleled tools for success.

Of course we all know that the quickest, easiest, and most dependable way to get more closings is simply to “ask for the business”.

It just seems the stumbling block for most is, that they feel “weird” about asking for the business, so they never actually do it.

The real issue is, that most struggle with feeling “worthy” of asking for the business.  Like they have to do something first or juggle a bunch of bowling balls and rubber chickens to impress everybody first, then they feel worthy of asking for referrals….

So there are all kinds of shiny whistles and “widgets’ being offered to LOs, that “If you do this, then referral partners will like you and refer to you”.

The problem with those things, is most of them take a lot of effort and time…

….Time that you could be spending doing actual loan-getting activity.  Instead, most of these things have you “getting ready” to do actual loan-getting activity as opposed to actually “doing” loan-getting activity. 

See the difference?

“Getting ready” is a colossal waste of time, money, and effort; all while actually not directly producing borrower leads / referrals.

Worse, when we do all that extra (and not necessary) “getting ready” activity, resulting in no new loans, it poisons our minds into thinking that we did a bunch of activity, spent a lot of time doing it, perhaps spent a bunch of money, but nothing actually happened, thus there is no need for me to do any more work as it won’t actually result in new loans. 

Nothing could be further from the truth.  

We just simply have to do some of the “right” activity…

… all while avoiding the “getting ready” or “busy” work… which will actually hurt your production because it keeps you from the “right” activity.

Now, I’m not saying all “widgets” are a waste of time and energy.

I use a select few in my mortgage branch, and my loan officers use some very effectively too.

I put together a list of 28 value propositions (some are widgets, most aren’t) .. that actually result in more closings for us, with very very little wasted energy (if any at all).

Going over these easy value propositions is what I am talking to my loan officers about this week.

These all make it very easy to ask for, and actually GET MORE referrals in a very cool way.

… Which results in more loans for us… A LOT MORE!


Talk soon.

Carl White

PS.  Want me to hook you up with the best activities that we are doing as “value propositions”?
(the ones that actually work… duh)

Go Here and tell me what you are currently doing now, and I’ll hook you up with a customized 1 on 1 call, just like I do with my private coaching clients…. For free ☺

We’ll go over the best value propositions for you to use, to make all this so much easier. 

This will be a very good use of your time.

Breaking the Mold: Transitioning from Lead-Based to Self-Generated Business

With 27 years of experience in the industry, Kambi shares her journey of transformation, going from closing 2-4 loans a month to an impressive 9-10, and her ambitious goal of reaching 15 deals per month.

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 sits down with Blake VanMeter, a loan officer who has made remarkable strides in just four months after transitioning to a new company.

Blake shares his journey from a lead-based business model to self-generating leads, highlighting the challenges and successes he’s encountered along the way.

Blake’s story is a testament to the power of following a proven plan and pushing through fear to achieve success.

Whether you’re a new loan officer or a seasoned veteran looking to revitalize your approach, this episode is packed with valuable insights and actionable tips.

Visit getmoreloans.com to learn more about how you can ramp up your business just like Blake!

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

Work-Life Balance During the Holidays: Tips for Success

With 27 years of experience in the industry, Kambi shares her journey of transformation, going from closing 2-4 loans a month to an impressive 9-10, and her ambitious goal of reaching 15 deals per month.

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 Krista Russo dive into the complexities of maintaining work-life balance during the holiday season. They discuss the common dilemma faced by loan officers: how to stay productive while also cherishing time with family and friends.

Carl and Krista share their personal experiences and strategies for managing work commitments around Thanksgiving and Christmas. They emphasize the importance of setting clear boundaries, effective time blocking, and focusing on high-impact activities that drive results.

Discover how to leverage the quieter holiday season to build relationships and stay connected with clients, all while enjoying the festivities.

Visit getmoreloans.com today to schedule your call! Let’s work together to create a strategy that allows you to focus on what truly matters—both in your business and with your family.

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

What to Say Over the Holidays…

In the dynamic world of mortgage lending, efficiency and client satisfaction are key. Loan Officer A.I. CRM, a groundbreaking innovation by Connection Inc., is transforming the landscape for loan officers. This blog explores how this CRM stands as a beacon of progress, offering unparalleled tools for success.

It’s often the small things we say that have the power to change everything for someone.

A year ago, I heard Ron Howard, the very successful Hollywood director, share a story from when he was just six years old and playing Opie on The Andy Griffith Show.

A simple, casual comment made to him at that time changed EVERYTHING.

One week, Bert Lahr (who played the Cowardly Lion in The Wizard of Oz) was a guest star on The Andy Griffith Show.

While Andy Griffith and Don Knotts (Barney) were shooting a scene, Bert and little Ron were just off-camera, watching.

At the end of the scene, Bert leaned over to Ron and said, “Ronny, I see how you watch the cameraman and the angles of the shots. You’re going to grow up to be a famous director someday.”

Ron shared that something shifted in his thinking at that moment.

That single comment sparked a dream, and he decided he wanted to move beyond acting and into directing.

All from a simple 15-second conversation.

Bert likely forgot about it shortly after, but Ron never did.

Ron went on to direct over 24 movies, including Apollo 13, A Beautiful Mind, and How The Grinch Stole Christmas (with Jim Carrey), entertaining millions of people worldwide.

This story reminds me of the power our words hold during the holidays—and really, any time of year.

Everyday conversations, even those that seem small and insignificant to us, can have a lasting, life-changing impact on someone else.

This can be used for good or bad, so let’s make a conscious effort to ensure our words are positive, encouraging, and kind, especially during the holidays.

What seems like a “nothing” conversation to us could become a pivotal moment for someone else.

And now, Bert’s simple 15-second conversation is being shared again here, hopefully continuing to inspire and impact even more people today as you read this.

So, 50 or 60 years from now, what conversation of yours will someone be sharing?

Let’s make it one that has a positive impact—not one they reflect on during a tough counseling session.

Here’s my challenge to you: Take a moment today to share a kind word, encouragement, or appreciation with someone—whether it’s a client, colleague, or loved one.

You have the power to create a lasting impact with just a few thoughtful words.

Let’s make this holiday season one of connection, kindness, and inspiration. I believe in you, and I’m grateful for the positive impact you’re making.

Loan Officer Freedom