Going From 3 Loans A Month To 8 And 9

Episode 595

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 Jon Tober from San Antonio to unpack how he went from closing 3 loans a month to consistently hitting 8 and 9, even in a market where most loan officers are struggling to stay flat.

Jon opens up about what shifted for him after facing a 50% drop in production, and how joining the right mentorship circle completely changed his trajectory. He shares the exact strategy that’s been driving his surge in business: a simple but powerful book club for referral partners that builds real relationships, adds value, and keeps agents engaged week after week.

You’ll hear how Jon identifies the right agents to invite, structures his meetings, and turns each chapter into an opportunity for accountability and growth, both for his partners and his own business. Carl and Jon also dig into what it really means to be intentional, how to stay a lifelong student, and how consistency and connection can triple your income in less than a year.

If you’ve been wondering how to create deeper, scalable relationships with your agents and grow your pipeline without adding chaos to your schedule, this conversation is packed with real-world ideas you can put to work right away.

For more information about Carl’s upcoming accountability group, visit AllianceNextLevel.com.

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

AI, ChatGPT, and the Next Big Shift in Mortgage Marketing: Are You Ready for It?

Episode 594

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 Chris Johnstone, CEO of Loan Officer CRM, to talk about one of the biggest changes the mortgage industry has ever faced, the rise of AI-powered search and how it’s already reshaping where loan officers get their leads.

Chris shares how ChatGPT and other large language models are becoming the new “Google,” why top producers are already closing fully completed loan applications through AI, and what every loan officer can do right now to position themselves as the go-to expert in their market before the wave hits.

Together, they unpack how AI is disrupting traditional marketing, what it means to “rank” inside ChatGPT, and why being an early adopter could secure your spot for years to come. You’ll also learn practical steps to get your business recognized by AI so you can start seeing real leads and closings from it.

If you want to stay ahead of the curve and future-proof your mortgage business, this episode will show you exactly how to do it before everyone else catches on.

Want help getting ranked and optimized for AI-driven leads? Visit LoanOfficerCRM.ai/AIO to learn more.

Enjoying the podcast? Leave Carl an honest review at 5StarCarl.com.

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

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.

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.