Confessions Of An In-House Lender

Welcome to your #1 podcast for loan officers in the country. In this episode, Carl White interviews Robin Ackerman, a new in-house loan officer for a real estate company. Tune in to hear Robin discuss what she has learned in her first 90 days. 

Schedule a one-on-one free call here where we will go over a daily plan for your specific mortgage business.

quick, easy (and free) source of mortgage leads

Here’s one of my favorite sources of free leads that actually turn into closings.  And not just a few closings, but A LOT OF THEM.

Just like we see every 5 or so years, when the market takes a turn, those LOs that didn’t do effective prospecting get out of the business due to their lack of taking effective actions to bring in new referred leads.

And while we certainly hate to see great people bow out of this wonderful and VERY lucrative career that we are in, it does leave some unique opportunities for us that do embrace real prospecting….

Read on…

We all know that calling our past database with a simple script is an enormous way to close more purchase deals.  Keep in mind these referrals aren’t just “them” buying a new home, most in fact are their friends, family members, and co-workers.

As a rule of thumb, for every 100 people in your past database, you should get 1 closing each and every month.

So 500 in your past database should equal 5 more closed loans, which may be an EXTRA $15K each and every month…. Practically for FREE.

So, back to our LOs that DIDN’T prospects and have now left (in droves)..
Most of these loan officers that are now gone, have left behind a database of past clients… who are now “orphans”.  Nobody in the industry has their back.

So I would go to my branch manager or company owner and tell them that I would like to call all of our “orphan” past database peeps and use a simple script that has been proven literally thousands of times and is responsible for literally billions of funded loans.

Of course they will share with you the info on who in their past database of “orphan loans” to call and use our script on to close their next loan, and the loans of their friends, family, and co-workers.  Not doing so is costing them and you a fortune… literally.

We find when I use these simple scripts, it doesn’t matter if “I’m” the one that closed their last loan, or if was another loan officer that has tapped out (due to lack of taking effective actions), we still expect getting warm referrals from them that close at a very very high rate for us.

So here we sit in our comfortable offices, in a comfortable chair, with perhaps a glass of tea by our sides, and by simply calling our (or a past LOs) database, we can make an income that would make NFL football players blush.

Most NFL players earn wayyyy less than I do, and I don’t have 325 pound linebackers trying to break my knees….

And all I / we have to do is take some simple actions, make some simple calls, all while in the comfort of my / our favorite home office chair… for just a couple of hours 4 days a week.

I have to pinch myself to make sure I’m not dreaming sometimes.

Why don’t all LOs take these simple actions?

I don’t know, but I do know that those that don’t, well, I’ll take fries with that….

I’ll be happy to share this simple script in its entirety with you.  It’s the very same script we share with our top producing loan officers that are in our group.

Go Here and I’ll give you the script, help you with phone role play, all for free, no strings, no catches, no kidding ☺


Don’t delay taking action.  We don’t have the luxury of delaying what actually works in today’s market.

I got your back!!

Carl White

How Katie White Closed 115 loans in 2022

Welcome back to your top resource for how to close more loans in less time – Loan Officer Freedom, the #1 podcast in the United States for loan officers

In this episode, Katie White discusses how she beat out the distractions to close 115 loans in 2022 while vacationing 8 weeks and working a 40-hour work week.

She credits the things she has learned by being a valued member of the Freedom Club and how she has put certain things into play to up the game for her and her team. One thing she really zones in on of high importance is how she connects on a respectful, positive, level with agents she works with. She provides them the confidence they need and the guidance in their outlook, that ultimately helps everyone in the transaction succeed. 

Learn more about what kind of systems she has in place and how to overcome the roadblocks lots of loan officers are facing today.

If you’re ready to overcome those roadblocks, there’s never been a better time to take advantage of our totally free coaching call here.

Give this to your favorite Real Estate Agent

Give this to your favorite Real Estate Agents, they will love you for it.

Some years ago somebody passed a list to me and now I’m passing it on to you.

It’s a list of over 180 things that real estate agents do for their clients.

The idea behind it is, you will be giving real estate agents a list that they can share with their clients on all the things they do to help and protect their clients with the selling and / or buying of their home.

The idea is to set themselves apart from the “discount” or on-line services.

This complete list includes:

  • 20 “Pre-Listing” Activities 
  • 13 Listing Appointment activities
  • 26 Marketing activities
  • 43 “Under Contract” activities

… and 82 other activities to help their clients have the competitive advantage.

Grab This List and share with your favorite real estate agents to show them that you got their back, just like I got yours.

No charge, just another random act of coolness, because that’s the way I roll around here. ☺

Just click here and tell me where to send the list, and I’ll email and text it to you (in case it goes into email purgatory…).  I just want to make sure you have this to hand out, post, or do videos on.

(my email sender wouldn’t just let me attach it as this is going out to a group of you, so you have to tell me where to send it)