I wasn’t going to bring this up, but I’m going to anyway…

At first glance, this may seem like it doesn’t have anything to do with mortgages and helping you ramp up your business, but I’ll tell you this may be one of the most important messages I have ever sent to you.

Making sure everything at home is good is critical to how we do things at work.
It all overflows to each other, home and work.

Think of a jar of water and then putting even just 1 drop of red dye in it.  The red dye doesn’t just sit there on one side of the jar, in short order the entire jar is red.  This is the same for “work and home” for us, it all overflows to each other.

That’s the set up for a life changing conversation I had about 7 years ago…

I was sitting on my front porch visiting with my then 30 something year old niece.  Out of the blue, she said “You know why so many people end up in divorce (or separating from their mate or life partner)?”

My first thought was, what is somebody that just got married a year or 2 ago going to have to say to me about How To Make Relationships Work…  what the heck does she know..

But then she shared with me something that has been an absolute game changer for me…

“The reason so many romantic “living together” relationships break up is because they confuse “marriage (or mate) issues with “roommate” issues.  You see couples really have 2 different relationships going on at the same time.  They are a romantic (or married) couple and they are also roommates.”

She went on to explain, “You see, “roommate” issues are things like leaving the cap off the toothpaste, using up the last bit of coffee without picking up more at the store, leaving the car empty of gas, or having the TV turned up too loud while the other is trying to rest or wants quiet time.”

“Marriage issues” she said, “really boils down to 3 things, beating, cheating, and/or addictions.”

She explained that we have to be very careful when we are having an argument with our mate, not to elevate “roommate” issues to “marriage” issues.  Roommate issues are just part of living with somebody and not to be elevated to “I can’t live with you because you didn’t put the milk back in the refrigerator…”

So these days I remind myself to keep things in perspective and that if I’m feeling a bit of strife in my marriage, it’s extremely likely just a small roommate issue and not worth getting upset about.

When I started doing that about 6 or 7 years ago, it was a game changer! 

Now things are pretty darn good at home, and with things pretty darn good at home, it’s way easier for things to be pretty darn good at work.  I find my work conversations go way better and I feel more confident about putting together my team, asking for the business, getting more sales and loans closed with the entire mortgage team over here.

I guess it really all boils down to, “Don’t sweat the small stuff and it’s all small stuff.”

Now I realize that some of the people that read this are single and enjoying life in that way.  Awesome.  Perhaps you know somebody that could benefit from this bit of wisdom that can be a life changing awareness for them, if so, please pass it on.

OK, so I know this isn’t my typical message, and I sincerely debated about sharing this as I didn’t want to offend somebody or perhaps seem “uncool”.  But I decided that real friends take risks to help each other out.  Thanks for letting me be a part of your awesome journey. 


If you need help with anything else, give my team a call.

Make It a Profitable First Impression

On this episode of Loan Officer Freedom, the #1 podcast for loan officers in the world, I’m going to share with you why it’s so critical to have a formula for creating a profitable first online impression. Whether it’s your About Me page on your website or your social media profile, stick to the things that work when presenting yourself. 

We all know that the first thing people do these days is check out your online presence. Let’s say you leave your voicemail, with your name and the reason for your call… they listen and then hop on some sort of device and peek through the little (not so little) hole called the internet. Yup, somewhere on there…they’re going to find you. 

Make it a profitable first impression. 

The levels of intimacy you show in your delivery is categorized by warm to warmest. I’ll explain all those and more in this podcast along with the perfect formula that consists of the 3 main pieces of information that you MUST include in both your About Me and social media profiles

Tune in to hear just how I position each one…
Not sure how to set this all up and need examples? Hop on a call today with us and we will help you set it up using this formula. Find a time here that works for you.

Loan Officer Rollercoaster

In this quick hit video, Mike Cardascia, top strategist at The Mortgage Marketing Animals coaching program, goes over what he refers to as the loan officer rollercoaster and how you can learn to align your activities for a steady and consistent loan flow. So, where should you be focusing at each stage of your mortgage business? Find that out as Mike shares these quick tips with you…

ICE ICE Baby

“Ever wonder what should you do next to give you the highest likelihood of getting another purchase loan in the pipeline?  Here’s a short and easy formula that I have used for years.  It helps to get time wasting and “grinding” activity off of your radar.

“You can learn many more formulas by jumping on a free strategy call with one of our coaches here at Mortgage Marketing Animals.

You think this is hard?

A few years back, I found myself in my Ford F-150 pickup truck, sitting in the parking lot with my head in my hands thinking that this loan officer work was just too darn hard…

Leads were a little hard to come by, appraisals were slow, and I was having to make some difficult phone calls… <those are never fun>.

As I was having my own little pity party, I heard an inner voice tell me to look up.

When I did, I had a life changing moment.  Let me explain further.

When I looked up, on top of the building next to me, there were 3 men and 1 lady on top of the roof.  And this roof wasn’t like most roofs, it was a flat roof.

Well, from time to time with a flat roof, you have to “Tar Mop” it.

That’s where you get buckets of super hot tar (so it’s spreadable) and literally get kitchen mops, and spread the hot tar on the roof.

I did that one summer when I was in high school and I can tell you it was the hardest job I’ve ever done.  The tar was super hot, it splattered on my arms causing instant burn blisters, the fumes from the hot tar were almost as bad as the mosquito bites and the heat burned from the hot Florida sun.

As I looked up from my air conditioned seat in my truck that day and saw those 4 people working very very hard in the most miserable conditions, I heard “that voice” again…

“Carl, you want to know what hard work is, those 4 workers on that roof are experiencing hard work.”  It’s hot, spreading the tar is like spreading molasses, just backbreaking work…

… oh, and by the way, it pays around $14 an hour at best.

I then heard that voice one more time…

“Carl, I’m asking you to do 3 simple things to make more money than you could have ever dreamed of…”

I’m asking you to Talk, Type, and Think… Which you can do while sitting in an airconditioned room, in a very comfortable chair… no fumes, no mosquitos, no sunburn… all while making more in 1 month than the roofers will make in the entire year.”

Talk, Type on a computer, and Think.   Resulting in helping a lot of people, making lots and lots of money, and no tar fumes.

and here’s the other thing, we don’t even have to think too much because we can just copy the already super successful, well, as long as that’s who we’re hanging with instead of the doomsayers.

Once that was crystal clear in my head, I felt a wave of relief and gratitude wash over me like a warm blanket on a cold night.

So here’s the thing, we are not in “hard times” right now, we simply have to talk (saying the right things to the right people), type (communicate and follow up with those people) and think (again, this is minimized by hanging out with the winners).

Now, those that don’t do those things, those that try to do business the same way they did it last year, well, it could be a very very hard season for them coming up.  Don’t be one of them. 
We have to be adaptable and working the “purchase market plan” while talking, typing, and thinking. It’s really just that simple and doesn’t involve buying a bunch of widgets.

The Purchase Market Plan is exactly what we are mapping out on our coaching calls with our high level and high productions (while low stress) loan officers.  It’s absolutely amazing what can be covered, and the results some of the LOs get on even just 1 of these 1 on 1 calls.

If you want a free sample of what even just 1 of those calls can do for you, I’ll give you one.  <no credit card, no “trail”, and no strings attached>  We’ll help you with what to say, who to say it to, how to communicate with them, and what the top producers are thinking… you know, their Purchase Market Plan.

Free Sample 1 on 1 Coaching Call

Just go here
and we’ll help you with the right activities, the right conversations, and with the right people… right now ☺.   Why, because that’s the way we roll around here.

-Carl “this is really easy” White 

Loan Officer Freedom