The End-of-Day Habit That Helps Me Perform Better Tomorrow

Episode 563

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, opens up about a game-changing habit that’s helped him quiet the late-night mind chatter and show up more focused and refreshed each day.

He walks through the exact 3-step end-of-day routine he uses to shut down his workday, sleep better, and hit the ground running the next morning.

From writing down tomorrow’s top priorities to sending one meaningful thank-you message, Carl shares simple yet powerful ways to clear mental clutter.

Tune in to hear how this quick ritual can help you lead better, think clearer, and feel more in control—even on your busiest days.

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

Story Selling – The Hidden Superpower of Top Producers

Episode 562

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 deep into one of the most powerful (and often overlooked) tools top producers use to stand out—storytelling.

Carl shares the exact 5-step formula he’s used for over 20 years to turn ordinary client moments into unforgettable, trust-building stories that attract more business.

You’ll discover why stories stick while stats slide off, and how you can use this simple structure in your consults, videos, agent meetings, and follow-ups to gain more referrals.

If you’ve ever thought “I’m not a great storyteller,” Carl proves it’s not about talent—it’s about having a repeatable formula that works like magic.

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

Fix and Flip Loans

Episode 561

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

In this episode, Carl chats with Frank Garay about the growing world of fix and flip loans and how originators can tap into this niche without getting overwhelmed.

Frank breaks down exactly how these loans work, who they’re for, and how loan officers can partner with his company, Lulu Capital, to fund deals they’d usually turn away.

They also dive into qualifying questions, borrower structures, how originators get paid, and why saying “yes” to a flip deal might just keep your referral partner from wandering.

If you’ve ever turned down an investor lead because you didn’t know where to start, this episode is your shortcut to adding a powerful income stream without reinventing your business.

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

This changed the way I talk to clients

In a world of noise and numbers, people aren’t craving more data —
They’re craving connection.

That’s why social media has taken off like a wildfire… Connection.

And connection doesn’t come from quoting interest rates.

It comes from story.

“Start telling more stories. Nothing beats the power of a story.”

You can talk about FHA vs. Conventional all day…
But when you share how a young couple with average credit beat the odds, got into their first home, and sent you a picture of their newborn two months later…

That’s when trust is built.
That’s when people say, “You’re the one I want to work with.”

If you’ve ever felt like your message is falling flat —
This one shift can change everything.

I teach the exact framework for story selling inside our membership — including how to use story in texts, social media, agent convos, and borrower calls.

It’s really the unfair advantage.

Click here to get access for just $97 for the 1st month.

That gets you an entire month inside the membership.

If you’re not blown away, cancel anytime and keep everything you’ve already downloaded and learned — no questions asked.

Start your $97 trial now

It’s time to stop selling.
Start connecting.

Should You Go to Every Closing?

I’m currently at 36,081 feet and streaking across the sky at 537mph and I thought I would drop you a quick note.

This came up in a recent support call, and I thought it might be helpful to pass along to you—especially if you’re pushing to grow past 4, 5, maybe even 10 loans a month.

Here’s the question:
“How do top-producing loan officers attend all their closings and still grow their business? Isn’t attending the closing a top money-making activity?”

Fair question.

Here’s the honest answer:
They don’t go to every closing. And neither should you.

Now I get it—closings feel like a big deal. They’re exciting. You’ve worked hard. You want to be there.

But here’s what the pros know:
Closings are the reward, not the opportunity.

The real money is made before the closing—when you’re prospecting, having referral conversations, and building your pipeline.

If you’re attending every single closing, you’re probably not doing enough of those things.
That’s a hard truth, but a helpful one.

Top producers—folks doing 15, 20, even 30+ loans a month—don’t have time to attend every closing. Sometimes they have two or three in one day, maybe even at the same time.

Instead, they have a system:

  • A team member attends the closing and represents them with class.
  • Or they send a short, heartfelt video to the client. Maybe a quick thank-you call.
  • For VIP clients or special circumstances? Sure, they might show up in person. But that’s the exception, not the habit.

And here’s something else the pros never wait on:

They don’t wait until closing to ask the listing agent for referrals.

That ship sailed 4 weeks ago.

The smart LOs—our LOs—make contact on day one.

The same day the contract comes in, they call the listing agent, introduce themselves, and start building that relationship.
They use a simple script to turn that first touch into a future deal.

Because once the closing happens? You’re old news.
The agent’s already knee-deep in the next deal. And the next LO that called them first.

So if you’re wondering how to scale without sacrificing service—this is it:

Spend your time where it pays off the most…

…And have a system that makes the client feel like you were at the closing, even if you weren’t.

That’s how you go from good… to great.

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