What Every Loan Officer Needs to Know About 2025

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 share crucial information about the upcoming State of the Mortgage Industry 2025 live Zoom session.

This interactive meeting, hosted with industry expert Owen Lee, will cover essential topics such as interest rate projections, housing inventory, refinance opportunities, and the impact of AI on loan officers.

Don’t miss out on this opportunity to gain clarity and a game plan for 2025!

The live session takes place on April 2nd at 12 noon Eastern. Make sure to register and log in early to secure your spot!

Register now: StateofTheMortgageIndustry.com

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

How a $5 Daily Ad Budget Generated $1.2 Millions in Loans

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 Steve Kyles unpack the journey of starting a business and leveraging technology to generate leads through targeted Facebook ads.

Discover how Steve and his wife leveraged their existing network of contacts to generate leads and close deals with minimal effort.

Learn about the simple yet effective strategies they used, including creating engaging ad graphics and utilizing a small budget to reach potential clients who already know and trust them.

If you’re looking to activate your own network and boost your business, tune in for valuable tips and a call to action that could transform your approach to marketing!

If you’re interested in learning more about targeted ads and how to effectively farm your network, visit FreedomPlanningCall.com for more information and resources!

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

Fishing Upstream: How Rocket Mortgage Plans to Capture Homebuyers Before the Competition

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 take a closer look at the significant news of Rocket Mortgage’s recent acquisition of Redfin for $1.75 billion, exploring the implications of this merger for the mortgage industry.

They discuss how this purchase is not just about financial gain but a strategic move to leverage Redfin’s vast data on homebuyers, allowing Rocket to proactively reach potential clients before traditional loan officers even have a chance.

With insights on the importance of adopting technology in the mortgage business, they emphasize the opportunities available for loan officers to enhance their practices and stay competitive in a rapidly evolving market.

Tune in to discover how you can harness these advancements to boost your success!

For more information on how to leverage technology in your mortgage business, visit GetMoreLoans.com.

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

How Millionaire Loan Officers Think

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 invaluable insights on how to think like a millionaire loan officer, emphasizing the mindset shifts that differentiate successful loan officers from those who struggle.

Drawing from the principles in the book “The Top 10 Distinctions Between Millionaires and the Middle Class,” Carl reveals key strategies for building long-term relationships, focusing on net worth, embracing change, and continually learning.

He introduces his new free resource, the LO Moneybook, designed to help loan officers transition from merely chasing paychecks to creating lasting wealth.

Tune in to discover how you can apply these powerful concepts to elevate your business and achieve financial success!

Don’t forget to grab your free copy at LOMoneyBook.com.

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

Here’s what happened… 

What Happens When You Go All In? 

On March 4th, a group of loan officers from all over the country blocked off their day, signed on to my Zoom meeting, and committed to speaking with 50 people—not just making dials, but actually having 50 real conversations with people who can send them business. 

And here’s what happened: 
 
Together, we received over 311 referrals.  Keep in mind, that these aren’t like junk social media leads, these are referrals that typically close for my team at a rate of about 20 to 25%. 
 
Imagine that!!  That would be over 60 closed loans for those that took action all from 1 day’s work! 

  • Jason Waters made 153 calls, spoke to 54 people, got 5 referrals, and set 1 appointment. 
  • Sue Moody made 83 calls, had 51 talk-to’s, and locked in 7 referrals. 
  • Dennis Gryder booked 9 realtor appointments from his calls. 
  • Tara McCafferty made 125 calls, spoke to 33 people, and set 9 appointments. 
  • Frank Garay landed a 5.5 million dollar deal and got 2 additional referrals. 
  • Hil Smith made 56 dials, had 30 conversations, and secured 12 referrals. 
  • Kim Bauguess had 27 conversations got 6 referrals and 1 top-producing realtor meeting. 
  • Tracy Lindsey had 30 conversations, got 6 referrals and 2 refi apps. 
  • Paulina Baque Ramos had 50 conversations and walked away with 12 referrals. 
  • Mickey Lynam got 4 strong purchase referrals. 
  • Jay Atterstrom only had 7 talk-to’s, but turned 3 of them into applications. 
     

And that’s just 11 of the LOs that were on the Zoom meeting making things happen!! 
 
And that doesn’t even count the dozens and dozens of meetings set with top-producing real estate agents to get even more referrals going forward!! 
 
This wasn’t luck. It wasn’t a fluke. 

It was just loan officers doing what real salespeople do—picking up the phone and making things happen. 

Blocking & Tackling: The Foundation of Sales Success 

There are a lot of distractions in this industry.  

Every day, we see shiny new marketing tactics. AI-generated content. Social media funnels. Fancy automation tools.   
 
All good stuff but none of that replaces picking up the phone and talking to people. 

The top loan officers don’t sit around waiting for leads to trickle in. They create opportunities by making calls, setting appointments, and building relationships. 

If you want to be a complete loan officer, you need to incorporate calls and meetings into your daily routine. 

That’s where the money is made. 

And the Call Stars 50 Blitz proved it once again. 

Your Invitation to the Next Call Stars 50 Blitz 

If you’re reading this thinking, “I should have been there,” I have good news for you. 

We’re doing it again. 

The next Call Stars 50 Blitz is coming soon, and I want you to be part of it. 

Here’s how it works: 

  • Block off your entire day—no distractions, no meetings, just making calls. 
  • Meet with me a few days before so I can share with you WHO to call and exactly what to say to them to help you to see if you can get the same results that hundreds of loan officers around the country got last Tuesday. 
  • Come prepared with a list of at least 250 contacts—not everyone will answer, so you need a strong list. 
  • Join us on Zoom and fly with the flock—we stay accountable, push each other, and celebrate wins in real-time. 
  • Follow the simple script and start having real conversations. 

That’s it. No gimmicks. No fluff. Just real work that gets real results.