PODCAST

Loan Officer Freedom

Carl White

business how to

All Episodes

16:43

A New Credit Score Option—But Will It Really Help?

Loan Officer Freedom ·

2025/07/21

Episode 566 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, is joined by Owen Lee to break down the FHFA’s recent announcement that lenders can now use the VantageScore 4.0 with Fannie and Freddie—no new infrastructure required. Owen, who serves as Vice Chair of the MBA, unpacks what this change really means for loan officers and whether it’s a genuine effort to lower credit report costs or just a

30:08

From Ghosted to Closed: Follow-Up Schedule That Works

Loan Officer Freedom ·

2025/07/16

Episode 565 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, is joined by special guest Kristin from The Marketing Animals team for a deep dive into a follow-up schedule that actually converts. Carl takes the lead in laying out a clear, week-by-week system for following up with referred leads—sharing the exact timing, messaging, and mindset that leads to more closings and fewer missed opportunities

31:27

New Way To Connect With Your Past Database

Loan Officer Freedom ·

2025/07/14

Episode 564 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, chats with Thomas Seelbinder from Model Match to reveal a powerful new tool that gives LOs deep access to borrower, agent, and LO data. You’ll hear how this kind of insight helps you avoid wasting time on non-producing agents and target the referral partners that actually move the needle. Thomas also unveils “Borrower Insights,” a new

10:21

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

Loan Officer Freedom ·

2025/07/09

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

12:34

Story Selling – The Hidden Superpower of Top Producers

Loan Officer Freedom ·

2025/07/07

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,

21:49

Fix and Flip Loans

Loan Officer Freedom ·

2025/07/02

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

12:35

Mastering Your Elevator Pitch To Get More Referrals

Loan Officer Freedom ·

2025/06/30

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, breaks down the one conversation skill that can instantly boost your referrals—your elevator pitch. He shares a simple, proven 3-part formula that helps you introduce yourself with clarity, confidence, and impact—whether you're at a mixer, on a Zoom, or standing on the sidelines at a soccer game. Carl explains why most loan officers miss the mark in their

08:18

What I Learned About Sales From My Cat

Loan Officer Freedom ·

2025/06/25

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 some surprisingly powerful sales lessons—straight from his bald little housemates (yes, his hairless cats). You'll learn why you should never assume someone’s not interested, how consistency beats brilliance, and the importance of focusing your energy on the right people. Carl also drives home why making the ask—clearly and unapologetically—is what

22:22

How Scarcity Thinking Is Costing You More Than You Know

Loan Officer Freedom ·

2025/06/24

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, sits down with Kristin to unpack the hidden trap of scarcity mindset—and how it quietly holds loan officers back from growth. They dive into the real reason so many LOs cling to one deal, one referral partner, or one source of business… and why that small thinking leads to small results. You’ll hear how shifting from “what if I lose” to “what could I gain”

22:21

What Everybody Isn't Talking About, But Should

Loan Officer Freedom ·

2025/06/18

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 teams up with Owen Lee to unpack the quiet earthquake shaking up the mortgage industry—massive moves by Rocket Mortgage that most LOs have already stopped talking about. They reveal how Rocket’s acquisition of Redfin and Mr. Cooper could reshape borrower behavior forever, giving them first dibs on millions of consumers before the rest of us even know they're

10:12

Build Your 3-Hour Power Block

Loan Officer Freedom ·

2025/06/16

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, busts the myth that longer hours mean more closings—and shares how focused effort wins every time. He walks through the 3-hour daily system that top-producing LOs use to double their volume while taking their nights and weekends back. You’ll hear the real-life story of “Debbie” who traded 12-hour days for focused mornings and now closes more loans than ever

08:12

What Ham Radio, Biking, & Mortgages All Have in Common

Loan Officer Freedom ·

2025/06/11

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 how three unlikely passions—ham radio, biking, and mortgages—actually carry the same core lesson for success. Carl dives into the overlooked art of listening with intention and the power of clear communication that cuts through the noise. He draws a sharp parallel between pedaling up a hill and building a pipeline—both requiring daily consistency, not

19:41

Take Credit Bureaus To The Woodshed

Loan Officer Freedom ·

2025/06/09

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 is joined by Owen Lee to expose the shocking rise in credit report costs and how it's crushing mortgage profitability. They unpack how FICO and the credit bureaus quietly jacked up prices by 400–900% with zero accountability. Owen shares insider insight from his role at the MBA and urges lenders to rethink how and when they pull credit. The conversation

12:57

Resetting Your Self-Image: From Limits to Possibilities

Loan Officer Freedom ·

2025/06/04

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 insights from two contrasting phone calls he received about loan closings, highlighting the importance of self-identity and how it shapes our perception of success. He discusses the journey of resetting one's self-image, drawing from his own experiences of overcoming a background of financial struggle to achieve success. The conversation

27:39

Become the Oprah of Your Market (Using Facebook Ads)

Loan Officer Freedom ·

2025/06/02

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 explores the world of Facebook and Instagram ads with social media expert Chelsea Gardner, who specializes in helping loan officers maximize their online presence. Chelsea shares valuable insights on the effectiveness of targeted advertising, the importance of understanding your audience, and how to measure the success of your campaigns. They discuss

39:49

LOBC Replay 5-30-25

Loan Officer Freedom ·

2025/05/30

In this episode of the Loan Officer Breakfast Club, Chris Johnstone breaks down the one AI prompt that can completely automate your content marketing as a loan officer. If you're tired of struggling with social media and want to generate leads while building your online authority, this training is a game-changer. Chris walks through how AI tools like ChatGPT can be set up to deliver weekly, personalized content that positions you as the go-to expert in your market. He also explains how your online

09:13

Rowing Through Life: The Power of Encouragement and...

Loan Officer Freedom ·

2025/05/28

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 a heartfelt story about a rowboat and the lasting impact of encouragement from his grandfather, illustrating how positive reinforcement can shape our beliefs and abilities over decades. He emphasizes the importance of surrounding ourselves with supportive people who uplift us, especially in challenging times, and discusses the detrimental effects

25:40

AI Revolution: Transforming Mortgage Marketing...

Loan Officer Freedom ·

2025/05/26

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 and Chris Johnstone dive into the exciting world of AI and its transformative impact on the mortgage industry, featuring the latest advancements from Google’s Gemini and how it changes the way we search for information. They discuss the shift from traditional search results to AI-generated answers, the implications for loan officers and lead generation

38:58

From Wall Street to Mortgages: A Family Journey

Loan Officer Freedom ·

2025/05/21

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 sits down with brothers Greg and Jim Malamut, who share their journey in the mortgage industry, following in the footsteps of their father, Bill Malamut. Discover how they transitioned from corporate jobs to thriving as co-branch managers, achieving impressive numbers even in challenging market conditions. They discuss the dynamics of working together,

30:55

Helping Divorcing Clients — and Growing Your Mortgage...

Loan Officer Freedom ·

2025/05/19

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 sits down with Jody Bruns, founder of the Certified Divorce Lending Professional (CDLP) Program, to explore the unique niche of divorce mortgage planning. Jody shares insights on how loan officers can effectively engage with divorcing clients, emphasizing the importance of integrating mortgage planning early in the divorce process. They discuss

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