The Loan Officer Podcast

The Loan Officer Podcast

This show makes the boring FUN! Imagine if Joe Rogan and Dave Ramsey had a baby. That’s this show! These guys teach the sh*t they don’t teach in school. Their goal is to simplify topics that range from personal finance, purchasing real estate & obtaining home loans to being a successful mortgage originator, running a business and finding success as a sales professional. The mission is simple; to invite you into the room where it happens. They strive to teach you how to create opportunities even when it can be a struggle to get your foot in the door. While there is a lot of content geared specifically towards mortgage professionals, the majority of the episodes will resonate will all audience members. (Not just mortgage lenders!) D.O. (Dustin Owen) is the creator & host. He is a 20+ year veteran of the mortgage industry, a real estate investor, business coach and angel investor. J.C. (John Coleman) is the co-host / producer of the show. J.C. has 15+ years’ experience as an Emmy Award-Winning Content Creator & Marketer.

Episodes

July 18, 2025 30 mins

D.O. dives into a controversial and crucial topic in the mortgage industry—how loan officers handle requests for kickbacks from real estate agents. With real world anecdotes, he breaks down the legality, ethics, and business consequences of kickbacks, and explores alternative solutions like co-marketing through Zillow, MSAs, and Joint Ventures.

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D.O. breaks down the current state of the housing and mortgage markets, why interest rates remain stubbornly high, and the persistence of market challenges. He dives deep into the introduction of the Vantage credit scoring model 4.0, reveal how AI is reshaping the mortgage industry, and share their take on the presidential drama surrounding Chairman Powell.

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Join D.O. as he sits down with Denise Donahue, aka The Mortgage Nerd, for a candid and inspiring interview recorded at Mastermind Summit 2025 in Las Vegas. Denise shares her powerful backstory—from family struggle and foreclosure to financial empowerment—and reveals how those experiences shaped her career as one of the most respected mortgage professionals in the industry.

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D.O. sits down with mortgage industry legend Cindy Ertman to discuss her extraordinary journey from breaking into the mortgage world as a young mother to becoming one of the top 100 most influential mortgage executives in the country.

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Join D.O. live from the Mastermind Summit 2025 in Las Vegas as he sits down with Mike Preito, an Air Force veteran and affordable lending expert from Attainable Housing Advocates (AHA). Discover HOPER, an innovative program offering up to $13,000 to FHA borrowers for down payments, closing costs, and more—with zero income or credit restrictions.

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D.O. welcomes powerhouse guest Michelle Berman-Mikel, founder of Berman Media PD and creator of "Beyond the Method." Broadcasting live from the Mastermind Summit 2025 in Las Vegas, D.O. and Michelle dive into effective social outbound prospecting—exploring how mortgage and real estate pros can build real influence online.

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D.O. interviews Ashley Bedford, a “silent assassin” in the mortgage world who’s gone from working multiple jobs as a new Florida transplant to becoming a powerhouse mortgage broker in Orlando.

Ashley details her personal story, including the choices and grit that helped her break into the business while raising a family and prioritizing mentorship. The conversation covers industry challenges, team building, maintaining boundaries,...

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Special guest PJ Crescenzo joins the podcast to share his journey to becoming a top producer - under the age of 30.

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D.O. tackles the age-old claim that "it's not about the money"—and delivers some hard truths about what it really takes to get to that point in a career. Sharing personal milestones, financial lessons, and the realities of building significant savings, D.O. discusses when and how your work stops being exclusively about the paycheck. 

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D.O. (Dustin Owen) sits down with Laura Kay Sheely, an industry powerhouse with over 20 years of experience in the mortgage world. From her unexpected start in lending to her current role as SVP of Sales at Watermark, Laura shares the real story behind her career journey, the importance of continuous learning, and what it takes to truly stand out as a loan originator and a leader.

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This episode dives into a real-life business crossroads from D.O.'s loan officer journey—when keeping his #1 referral partner suddenly came with a $10k/month price tag.

Get 🎓 by D.O. - https://tloponline.com/mlo-coaching-programs/?utm_source=TLOP&utm_medium=Description&utm_id=YouTube

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D.O. shares multiple ways loan officers can grow their mortgage business without calling on real estate agents. Get tactical insight on alternative referral sources, content creation, buying leads, and building your circle of influence for maximum lead generation.

👀 Want free coaching, sales training, and insider events? Visit TLOPonline.com

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D.O. shares the "7 Habits of Highly Successful Loan Officers." Drawing inspiration from Atomic Habits by James Clear and real-world experiences from top-producing mortgage pros, this episode is packed with actionable advice for mortgage professionals who want to elevate their game.

👀 Want free coaching, sales training, and insider events? Visit TLOPonline.com

Whether you're a seasoned mortgage broker, a new loan originator, or jus...

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D.O. dives deep into what he calls “the curse of the mortgage industry.” He breaks down why so many mortgage brokers and loan officers plateau at that comfortable six-figure mark—and what holds most back from reaching higher income levels or even crossing into seven figures.

He shares real-life stories from his own career, from the early struggles and wild stories of breaking into the industry, to the mindset and systems required n...

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Thinking about starting a career as a loan officer or curious about what it takes to break into the mortgage industry? D.O. dives deep into the realities of becoming a successful loan officer in today’s market. They answer common questions like how to get started, what kind of personality thrives in this business, and exactly how long it takes to “make it” in this entrepreneurial, customer-service-focused industry.

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Drawing from decades of industry experience and countless coaching sessions, Dustin demystifies the process of building authentic and productive partnerships with realtors—whether you’re a rookie loan officer unsure where to start, or a seasoned pro looking to expand your network.

Get 🎓 by D.O. - https://tloponline.com/mlo-coaching-programs/?utm_source=TLOP&utm_medium=Description&utm_id=YouTube

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"Perfection is the enemy of done." Drawing from real-world coaching experiences, Dustin shares why taking action—no matter how imperfect—is the secret to breaking through business barriers and boosting your sales success.

If you’re a mortgage professional struggling with overthinking, procrastination, or just need a dose of real-talk motivation, this episode delivers practical tips, candid humor, and actionable strategies to help ...

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In this dynamic May 2025 Mortgage Market Update, D.O dives deep into the major shakeups rocking the mortgage industry halfway through the year. From cutting-edge AI advancements unveiled by UWM at their latest mega-event—where Dustin even had a chance to meet industry leaders like Matt Ishbia—to the headline-grabbing acquisition of Movoto, a top real estate lead generator, by Lower, this episode breaks down what these developments ...

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What does it really mean if your loans keep getting denied? Whether you’re a new or seasoned mortgage loan originator, understanding the balance between risk, opportunity, and responsibility is key to long-term success.

Get Coached by D.O. - https://tloponline.com/mlo-coaching-programs/?utm_source=TLOP&utm_medium=Description&utm_id=YouTube

 

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In this candid, story-driven episode, D.O. shares the unforgettable tale of Lowell H. from Jacksonville—the client who shaped his entire career. From tenaciously following up on leads, to navigating tricky closings and learning the hard way about upfront appraisals, he recounts both the challenges and triumphs that taught him the essentials of sales, client relationships, and resilience in the mortgage business.

 

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