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April 24, 2025

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Loan Officer Freedom
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Welcome to Loan Officer Freedom, the #1 podcast in the country for loan officers, hosted by Carl White. In this episode, Carl and Kristin Simpson dig into the speed to lead problem with real numbers, including the well known finding that 79 percent of borrowers close with the first loan officer they speak with, an MIT study showing conversion chances drop by roughly 80 percent after five minutes, and the shocking reality that the average response time in the industry hovers around 47 hours. Carl shares a live demo of his team’s AI phone assistant that answers 24/7, captures caller details, answers common non-licensed questions, sends application links, books calendar appointments, and can hot transfer when the loan officer is available, all designed to stop prospects from hanging up and calling the next person. You will hear how this tool protects family time and professional boundaries while increasing appointments, so you are not forced to choose between being present at your kid’s game and picking up every incoming call. Want to kick the tires yourself, call 734-206-7164 for the same demo number Carl gives on the show and see how an AI assistant handles real conversations. If you are ready for help putting this system in place, schedule a one-on-one free coaching call, visit https://www.MortgageTrainingCall.com/. 00:00 – Opening and Setup 00:14 – MIT Study on Speed to Lead 01:24 – 79% Choose the First Loan Officer 03:02 – The 5-Minute Rule 03:53 – Average Response Time: 47 Hours 08:13 – Introducing Lisa the AI Assistant 12:28 – Live Demo Setup 13:51 – Lisa Demo in Action 21:20 – Stopping the Click 27:02 – Demo Number: 734-206-7164 32:18 – Family-First Story 36:03 – Every Lead Matters
Loan Officer Podcast: Hear My AI Answering Calls
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Loan Officer Podcast: Hear My AI Answering Calls

Welcome to Loan Officer Freedom, the #1 podcast in the country for loan officers, hosted by Carl White. In this episode, Carl opens up about a deeply personal season of life: the week his first grandson was born and his 90-year-old mother passed away just two days later. One life in, one life out. It sparked a powerful reflection on what really matters most in the time we are given. Carl shares how this experience reframed the way he looks at business, money, and the daily grind that consumes so many loan officers. He talks about the difference between building a business that chains you to constant emails and phone calls versus building one that gives you the freedom to step away when life calls for your full presence. You will hear what he calls the “freedom formula,” which is putting the right systems, people, and priorities in place so that your business serves your life instead of the other way around. Carl challenges you to ask yourself a simple but important question: if something big happened in your family tomorrow, could you step away without your business falling apart? This episode is a reminder that success is not just about income or closings. It is about time, relationships, and freedom. Listen in, and let this message push you to re-engineer your business around what really matters. If this message resonates with you, do me a quick favor and leave a review at 5StarCarl.com. Your feedback not only keeps this show going strong, but it also helps other loan officers find the tools and encouragement they need. Schedule a one-on-one free coaching call, visit https://www.LoanOfficerStrategyCall.com/. 00:00 – Personal Message 00:09 – One Life In, One Life Out 01:48 – The Choice We Face 02:15 – Step Away From Business 02:41 – Freedom Formula 03:25 – Family Time and Referred Leads 04:05 – Time as Currency 04:48 – Re-Engineering Business 05:27 – True Freedom Defined 06:44 – Leave a Review at 5StarCarl.com 07:23 – From Grinding to Grooving
Loan Officer Podcast: One Life In, One Life Out
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Loan Officer Podcast: One Life In, One Life Out

Loan Officer Leadership
Struggling to stay consistent with outbound calls? Steve Kyles shares a simple, powerful mindset shift that turned his daily call list into a million-dollar opportunity list. In this episode: • Why assigning a dollar value to every relationship changes the game • How Steve turned 84 agents into $1.5M in annual potential • The math behind the “Great Restart” and how to stay motivated • How to break past call reluctance using opportunity-based thinking More offers – more no’s – more money. This episode shows you exactly how to reframe your call list and take consistent action that compounds. Want help building your opportunity list and closing more? Book your strategy call now at https://www.FreedomPlanningCall.com/ 00:00 – Intro & Loan Officer Breakfast Club 00:24 – Offers Minus No’s Equals Money 01:11 – Breakthrough Mindset Shift 01:47 – Using CRM Opportunity Value 03:07 – $528K Opportunity Breakdown 07:42 – $1.5M Total Opportunity 10:43 – Bootcamp & Real-World Results
Loan Officer Podcast: The Call Gets Easier When You Know What It’s Worth
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Loan Officer Podcast: The Call Gets Easier When You Know What It’s Worth

Most loan officers overthink hiring—and end up doing everything themselves. In this episode, Steve unpacks the #1 mistake he sees when building a team and shares a simple, scalable way to get results without burning out. You’ll learn: • Why part-time relationship managers might be your biggest growth hack • How Steve generated 2,000+ outbound calls and 29 appointments in 60 days • A step-by-step onboarding rhythm that gets new hires producing fast • What to say, what to send, and how to train without it all depending on you Ready to stop doing it all alone? Grab the Relationship Manager Field Guide by booking a strategy call at https://www.FreedomPlanningCall.com/ 00:32 – The #1 Hiring Mistake 01:41 – Scaling with Part-Time Relationship Managers 02:15 – Results from the New Hiring Approach 03:27 – Efficient Training System 05:24 – Sample Onboarding Schedule 06:40 – Hire Resourceful People
Loan Officer Podcast: The Biggest Mistake I Made When Hiring (And How I Fixed It Fast)
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Loan Officer Podcast: The Biggest Mistake I Made When Hiring (And How I Fixed It Fast)

In this episode, Steve shares a raw, behind-the-scenes look at what happened when he went from leading a national team to starting over from scratch—and how building a team of part-time relationship managers led to: • Over 2,000 outbound calls, 395 conversations, and 29 appointments in just 8 weeks • 18 referral leads generated without making all the calls himself • A system that scales conversations, appointments, and closings—without burning out If you’ve ever wondered whether someone else could help make your business grow (and how to actually do it), this episode breaks down the numbers, mindset, and step-by-step approach. → Learn more or book your own strategy call at https://www.FreedomPlanningCall.com/ 00:00 – Introduction: The Power of Outbound Calls 01:04 – Starting Over from Scratch 03:18 – Building a Scalable System 05:17 – Defining the Right Metrics 05:46 – Recruiting via Social Media 08:36 – Results After 8 Weeks 10:02 – Pipeline Growth & Lead Volume 10:44 – It Doesn’t Have to Be You Making the Calls 13:10 – Case Study: Training Without Training 15:23 – Progress Over Perfection 18:00 – Consistency, Metrics, and Scaling 19:33 – Wrap-Up & Teaser for Next Episode
Loan Officer Podcast: Why I Stopped Making All the Calls Myself—and What Happened Next
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Loan Officer Podcast: Why I Stopped Making All the Calls Myself—and What Happened Next

Did you know that narrowing your focus to one clear niche can actually bring you more business, not less? In this episode, Steve Kyles and Frank Garay share why the most successful loan officers build their reputation in a specific area first before expanding into others. You’ll learn: • How a niche instantly sets you apart from the competition and attracts top-producing agents • Why trust in one specialty opens the door for deals outside your niche • Simple steps to identify or refine your own profitable niche • How to position yourself as the go-to expert in your market If you’re ready to build a business that stands out and grows faster, this episode will show you how to start strong. → Learn more about coaching at https://www.FreedomPlanningCall.com/ 00:00 – Too Many Products, Too Much Confusion 01:18 – The Power of Narrowing Focus 02:05 – Choosing Hyper-Niches: Assisted Living, Construction, Cannabis 03:24 – Tough Deals Reveal Lucrative Opportunities 04:48 – How Loan Officers Leverage Hyper-Niches 06:36 – Demand and Consistent Marketing in a Niche 09:07 – Overcoming Fear of Being Pigeonholed 10:36 – The “Main Thing” Principle and Focused Branding 13:09 – Call to Action: Identify and Communicate Your Niche 13:54 – Coaching Support and Taking Action 14:49 – Closing Remarks
Loan Officer Podcast: Why Niching Down as a Loan Officer Is a Power Move
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Loan Officer Podcast: Why Niching Down as a Loan Officer Is a Power Move

Loan Officer Breakfast Club
In this powerful session, Justin Hubbert from Park Place Finance shares a step-by-step playbook for loan officers to break into the booming world of construction lending. With new home starts trending upward, Justin explains why now is the perfect time to get in front of spec builders, real estate investors, and first-time builders. He lays out exactly how loan officers can find builder leads using free tools like Redfin, position themselves as preferred lenders, and get paid twice—once on the construction loan and again on the takeout financing. He also breaks down the types of builders to target, how private lending differs from conventional financing, and why many banks are stepping back, creating opportunity for LOs willing to step in. If you're ready to scale your pipeline with larger deals and consistent repeat business, you don’t want to miss this. Learn more: http://workwithparkplace.com/  LIVE Zoom Meeting Access: https://www.BreakfastClubZoom.com Free Strategy Call for Loan Officers: https://www.MortgageTrainingCall.com Learn More About Us: https://www.MortgageMarketingAnimals.com
How to Win Builder Business and Get Paid Twice with Construction Loans
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How to Win Builder Business and Get Paid Twice with Construction Loans

Most loan officers dread prospecting because they don’t see the real value of each call. In this quick clip, Steve Kyles explains the mindset shift that changes everything: assigning a dollar amount to every outbound call. If you knew each call had the potential to earn you $2 million over the next year, would you show up differently? Watch the full episode Loan Officer Breakfast Club Replay: “Want to Make Prospecting Easier? Put a Dollar Sign on Every Agent Prospect" https://www.LoanOfficerBreakfastClub.com/ #MortgageMarketingAnimals #LoanOfficerBreakfastClub #SteveKyles #CarlWhite #LoanOfficer #MortgageProspecting #OutboundCalls #SalesTraining #RealtorConnections #LoanOfficerGrowth
Prospecting Feels Hard? You’re Probably Missing This One Shift
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Prospecting Feels Hard? You’re Probably Missing This One Shift

What if every call on your list had a visible dollar sign next to it — would it change how you approach your day? In this episode of the Loan Officer Breakfast Club, Steve Kyles shares a powerful mindset shift: assigning a specific dollar value to each realtor partner based on their referral potential. It's not about a fixed number — it's about recognizing the real financial opportunity tied to every agent relationship. Steve shows how he uses this strategy inside his CRM to prioritize the highest-value contacts, stay motivated, and make smarter prospecting decisions every single week. If you’ve ever struggled with consistency in your outreach, this simple shift can completely reframe the way you see your call list. And if you want help implementing strategies like this, the last virtual boot camp of the year is happening now — reserve your spot at: http://freedomplanningcall.com/ LIVE Zoom Meeting Access: https://www.BreakfastClubZoom.com Free Strategy Call for Loan Officers: https://www.MortgageTrainingCall.com Learn More About Us: https://www.MortgageMarketingAnimals.com
Want to Make Prospecting Easier? Put a Dollar Sign on Every Agent Prospect
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Want to Make Prospecting Easier? Put a Dollar Sign on Every Agent Prospect

On today’s Breakfast Club, Chris Johnstone broke down why schema markup is the missing link between your website and AI referrals. AI doesn’t “see” your site the way people do—it reads the code. Schema tells AI exactly who you are, the loan products you specialize in, and why you’re the expert in your market. Chris explained how every blog post and piece of content should include schema, so Google and AI can tie that content back to you as the authority. Done right, this positions you to get referrals directly from AI tools like ChatGPT, Grok, and Gemini—something many loan officers are already seeing produce funded deals. Want help getting this set up on your own site? Visit http://loanofficerbrand.com to learn more. LIVE Zoom Meeting Access: https://www.BreakfastClubZoom.com Free Strategy Call for Loan Officers: https://www.MortgageTrainingCall.com Learn More About Us: https://www.MortgageMarketingAnimals.com
How Schema Unlocks AI Referrals for Loan Officers
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How Schema Unlocks AI Referrals for Loan Officers

The Mortgage Loan Officer
In this episode, Frank Garay interviews Justin Hubbert from Park Place Finance about how Construction Loans can open doors for loan officers. Learn how to fund these deals, build strong relationships with local builders, and position yourself as the preferred lender when the homes are sold. Got a deal or want more info? Get started here: http://workwithparkplace.com 00:00 – Intro: Frank Garay & Justin Hubbert 00:36 – Ground-Up Construction Opportunity 01:19 – Banks Pulling Back, Park Place Steps In 01:34 – Loan Terms: Up to 90% LTC 01:52 – First-Time Builder Program 02:21 – No Credit Pull or Tax Returns 03:16 – Double-Dip Deals for LOs 04:10 – Land + Construction Financing 05:06 – Land Ratios & 100% Vertical Financing 05:51 – Interest Reserve & Draw Process 06:16 – 20-Unit Subdivision Case Study 07:13 – Get Started: WorkWithParkPlace.com 09:03 – 48-Hour Fix & Flip Success 10:03 – Final Takeaways & Next Steps
Loan Officer Podcast: Win Big With Construction Loans
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Loan Officer Podcast: Win Big With Construction Loans

In this episode, I sit down with Shannon Conradi from Propy Title & Escrow, one of the most innovative companies reshaping the real estate industry. Propy is making waves nationwide by pioneering real estate transactions using cryptocurrency, providing marketing support for agents, and even offering their own digital currency. Shannon shares how Propy is revolutionizing the way deals are closed, creating new opportunities for agents, buyers, and sellers alike. Whether you’re curious about blockchain in real estate or simply looking for tools that give agents a competitive edge, this conversation offers valuable insight into where the industry is headed. Contact Shannon Conradi: shannon@propy.com Phone: 561-231-7320 Learn more: https://propy.com/home/
Loan Officer Podcast: Transacting Real Estate with Crypto
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Loan Officer Podcast: Transacting Real Estate with Crypto

In this powerful episode, Steve Kyles and I unpack how the Loan Officer AI CRM is transforming the mortgage industry. We dive deep into the impact it’s made on our businesses—specifically how it's replaced three to four other services most loan officers rely on, all in one platform. But the real game changer? Live Zoom Support. Unlike other CRMs that leave you to figure it all out, Loan Officer AI CRM provides real-time help to ensure loan officers actually deploy their marketing efforts and maximize every feature built into the system. Whether you're managing leads, running automations, or executing smart follow-up campaigns, this CRM makes it simpler, faster, and more effective—saving you money and growing your business  Learn more and see it in action at http://loanofficercrm.ai Schedule a one-on-one free coaching call, visit https://www.DailySuccessPlan.com/. 00:00 – How this CRM changed everything for Frank 01:10 – Managing 60,000 real estate agents with automation 01:42 – Live Zoom support: the real game changer 02:02 – Drip campaigns generating real inbound leads 04:13 – AI voice assistant sets appointments automatically 07:04 – Run your entire mortgage business from one CRM 09:24 – Where to learn more: LoanOfficerCRM.AI
Loan Officer Podcast: The CRM That’s Changing the Game for Loan Officers
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Loan Officer Podcast: The CRM That’s Changing the Game for Loan Officers

In this episode, I sit down with Steve Kyles to explore the power of finding a niche as a loan officer. We break down why having a niche doesn’t mean you’re limiting yourself—it actually opens doors. A clear niche helps you stand out, attract the right attention, and build credibility with producing real estate agents. The best part? Once you’re trusted in one area, it becomes easier to earn business outside of that niche too. If you need help identifying or refining your niche, we’re here to coach you through it. Just visit http://freedomplanningcall.com to schedule a free call. 00:00 – Too Many Products, Too Much Confusion 01:18 – The Power of Narrowing Focus 02:05 – Choosing Hyper-Niches: Assisted Living, Construction, Cannabis 03:27 – Tough Deals Reveal Lucrative Opportunities 04:48 – How Loan Officers Leverage Hyper-Niches 06:41 – Demand and Consistent Marketing in a Niche 09:01 – Overcoming Fear of Being Pigeonholed 10:36 – The “Main Thing” Principle and Focused Branding 13:03 – Call to Action: Identify and Communicate Your Niche 13:50 – Coaching Support and Taking Action 14:44 – Closing Remarks
Loan Officer Podcast: Why Niching Down as a Loan Officer Is a Power Move
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Loan Officer Podcast: Why Niching Down as a Loan Officer Is a Power Move

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