Loan Officer Breakfast Club

Loan Officer Breakfast Club

Scripts, Industry News, and Strategies all delivered by Frank Garay, Carl White, Steve Kyles in an interactive Zoom type call where you can hear other loan officers throughout the country share their thoughts and what's working in today's market. Whether you are a new or seasoned loan officer, this daily podcast is just what you need to start your day!

Episodes

July 18, 2025 38 mins

Chris Johnstone joined us to reveal how AI Voice can answer your calls, qualify leads, and book appointments—even when you're unavailable. Learn how this powerful tool ensures you're the first lender every lead speaks to, giving you a massive edge in today’s market.

Learn more: http://loanofficercrm.ai/

LIVE Zoom Meeting Access: https://www.BreakfastClubZoom.com

Free Strategy Call for Loan Officers: https://www.MortgageTrainingCall...

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In this episode of the Loan Officer Breakfast Club, Owen Lee breaks down the major legislative win that’s flying under the radar but could have massive implications for your business. Trump’s recently passed “big beautiful bill” quietly delivers game-changing tax advantages for homebuyers — and smart loan officers will be the first to use this in their messaging to borrowers and agents.

Owen outlines how permanent mortgage insuranc...

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In this episode of the Loan Officer Breakfast Club, Brett Reichel from Community Wholesale Lending introduces a DPA program that’s rewriting the rules—and giving loan officers a serious tool to win more deals.

The Community Home 100 program offers down payment assistance with no income restrictions, no first-time homebuyer requirement, and approvals down to a 600 FICO. It even allows duplex purchases and non-occupant co borrowers. ...

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On today’s Loan Officer Breakfast Club, the team dropped a powerful free tool: a downloadable list of 29 compelling reasons to refinance—a must-have resource for sparking client conversa...

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Everyone thinks refis are dead... but the data says otherwise. On today’s episode of the Loan Officer Breakfast Club, Frank dropped a stat that stunned the room: the national purchase-to...

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In this episode of the Loan Officer Breakfast Club, we’re giving away something every LO needs — a free ChatGPT prompt that automatically writes your weekly newsletter email. It’s tailored for loan officers and built to save you time while keeping your audience engaged with smart, relevant content.

No more struggling to figure out what to say or how to say it. Just plug in the prompt and let AI generate a polished, on-brand email y...

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In this episode of the Loan Officer Breakfast Club, Owen Lee unpacks the buzz around the newly approved VantageScore 4.0 and what it really means for the mortgage industry. While Fannie and Freddie have greenlit its use without requiring new infrastructure, Owen points out that this headline news comes with a ton of unanswered questions. From how LLPA grids will adapt, to AUS compatibility, to mortgage insurance pricing and corresp...

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In this episode, Brandon Barnum of Raving Referrals reveals the two biggest reasons most loan officers don’t step up to do realtor presentations—despite knowing it’s a powerful way to grow their business. The first? They don’t have great, compelling content. The second? They don’t know how to fill the room. Brandon’s turnkey solution solves both problems—and the results speak for themselves.

If you’ve ever wanted to stand out, buil...

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In this episode, Carl White drops a game-changing mindset: “Our noise is someone else’s signal.” For loan officers, the noise is constant — emails, texts, file fires, and admin tasks that interrupt the real work of growing your pipeline.

But here’s the shift: what feels like a distraction to you might be exactly the kind of work someone else thrives on. The key is to either delegate the noise or handle it at the appropriate time — ...

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Joanne Johansen, affectionately dubbed the "Connecticut Crusher," just delivered back-to-back career-high months in loan closings—outside of the COVID refi boom. With 13 closings in both June and July, she’s projecting over $4.5 million in volume per month. Carl saw her burning desire. Steve recognized she made a clear decision to level up. And Frank pointed out something rare: Joanne is coachable—even after 30 years in the busines...

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In this episode of the Loan Officer Breakfast Club, Allison Johnston breaks down two standout scenarios that every loan officer should know. First, she introduces a rare but valid perpetual homeowners insurance policy—a one-time, fully paid premium with no expiration or renewal—unlike anything most underwriters have seen. She shares how her team at Success Mortgage Partners successfully got this unconventional case approved and clo...

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In this powerful session from the Loan Officer Breakfast Club, Carl White delivers a reality check every loan officer needs midyear: Are your current tools, team, and systems truly helping you—or quietly holding you back? Carl walks through a tactical approach to taking inventory of your business, identifying true assets that drive growth versus liabilities that drain time and money. Whether you're closing 2 loans or 20, this episo...

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In this powerful episode of the Loan Officer Breakfast Club, Frank Garay and Steve Kyles tackle one of the most overlooked growth strategies for loan officers: boosting your conversion r...

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In this episode of the Loan Officer Breakfast Club, Chris Johnstone reveals why customizing your ChatGPT isn’t just a tech trick—it’s a business game changer. With ChatGPT quickly replacing Google as the go-to tool for consumers researching mortgages, Chris explains how loan officers can position themselves to show up in AI-driven recommendations.

You’ll learn how to tweak your ChatGPT settings, build a local brand inside the AI, a...

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Owen Lee breaks down the latest developments on Trigger Leads legislation and what it means for loan officers. With the bill now passing both the House and Senate, we're closer than ever to major changes—but they're not what you might expect. Owen explains why Trigger Leads aren't going away completely, what new limits are coming, and how to stay competitive in a post-legislation market. He also shares the crucial step loan officer...

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In the final segment of this episode, Chris Johnstone unveils a powerful method to get ahead of the competition: reverse engineering ChatGPT to identify the exact websites and platforms where your content should be posted. By analyzing where ChatGPT pulls its data from, you can strategically place content so that when prospects ask for mortgage help, you are the one recommended.

This isn’t theory—it’s a real-world blueprint for mak...

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On this episode of the Loan Officer Breakfast Club, Frank Garay introduces a game changing lead generation tool for loan officers: https://linkybot.ai/. Created by Casey O'Toole, this AI-powered platform automates meaningful LinkedIn conversations and sets real appointments with your ideal targets—be it real estate agents, contractors, or first responders.

Casey breaks down how LinkyBot leverages advanced targeting and your unique ...

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In today’s LOBC, Steve Kyles delivered a simple but powerful reminder: success in this business doesn't start with motivation—it starts with a decision. He unpacked the difference between knowing what to do and actually doing it, and how making a clear choice is what separates top performers from the rest. Whether it's deciding to stop skipping calls or finally dialing in your lead follow-up, this episode will challenge you to move...

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Why aren’t you getting more referrals? Carl breaks down the three silent killers that could be holding your mortgage business back—and they’re simpler than you think. In this episode of the Loan Officer Breakfast Club, we unpack why not asking for the business, not being visible, and not answering your phone might be costing you big-time. If you’re tired of missed opportunities and want to start earning the referrals you deserve, t...

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Owen Lee breaks down the latest and most significant development yet in the fight against trigger leads. In this update, he shares that the Trigger Lead Abatement Act has just passed unanimously out of the House Financial Services Committee—a rare and fast-moving step in Washington. The bill now heads to the House floor, with bipartisan Senate support already in place. Owen explains what the bill does, how it protects borrower priv...

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