Frank Garay, top mortgage industry leader and host of The Loan Officer Breakfast Club, powered by Mortgage Marketing Animals, brings you not only the latest and greatest gizmos and gadgets that top loan officers are using, but he also frequently shares proven strategies and ways to get more referrals for your mortgage business. Learn what has been successful for those that are at the top of their game and how they've implemented them - so you can do the same as a loan officer.
Episode 171
In this episode, I sit down with Denise Panza of Total Mortgage, a loan officer and branch manager who has absolutely mastered LinkedIn. For the past six years, Denise has been leveraging the platform without paying for premium tools—just pure consistency, authenticity, and a laid-back style that has built her a steady flow of business.
We talk about how ...
Episode 170
In this episode, I sit down with Chris Johnstone to discuss how he and his team have cracked the code on getting ChatGPT and Grok to refer customers directly to mortgage loan officers and companies. This isn’t a simple trick—it’s a groundbreaking advancement where clients are now seeing loan applications come in fully on the recommendation of AI.
Over th...
Episode 169
In this episode, I sit down with Michael Harris from United Financial Freedom to explore a debt elimination strategy that works unlike anything else on the market. This isn’t debt consolidation, credit repair, or a gimmick—it’s a precise and highly effective system designed to help clients eliminate debt faster and with greater accuracy.
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Episode 168
In this episode, Frank Garay sits down with Steve Kyles to talk about one of the most overlooked — and most profitable — referral strategies out there: getting agents to refer you to other agents.
Most loan officers are laser-focused on winning one agent at a time… but what if every great agent you work with cou...
In this episode, I sit down with Justin Hubbert from Park Place Finance to dig into the opportunities surrounding Construction Loans. Justin breaks down how Park Place can help get these loans funded and why construction financing is such a powerful tool for loan officers looking to grow their business.
<...Episode 166
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 ...
Episode 165
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? ...
Episode 164
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 nic...
Episode 163
In this episode of the Mortgage Loan Officer Podcast, I sit down with industry icon Ginger Bell to talk about her brand-new book on leadership and how mortgage professionals can apply its principles to grow pers...
Episode 162
In this episode, I sit down with Brett from Community Wholesale Lending to dive into one of the most powerful down payment assistance programs available today — the DPA100.
We break down what makes this program different, how it’s helping more buyers get into homes, and why loan officers across the country are...
Episode 161
In this episode, I sit down with Steve Kyles to talk about a powerful moment from a recent Loan Officer Breakfast Club call featuring Joanne Johansen. After 30 years in the business, Joanne is having her best months ever—closing over 13 loans a month—and what impressed us most was her mindset. She said she’s willing to be coached. That’s rare in our indu...
Episode 160
In this episode, I sit down with Chris Johnstone, founder of the Loan Officer AI CRM, to talk about the fast-moving world of AI in the mortgage industry. While many loan officers feel overwhelmed or like they’re falling behind, Chris explains why that’s not the case—and how staying tuned in is the key to staying ahead.
We dive into how AI is being used right now, what tools are mak...
Episode 159
In this powerful and personal episode, I sit down with Steve Kyles for a deep dive into a simple but life-changing mindset: There’s no way out—just through. Steve shares how this commitment has shaped his marriage, his family life, and his resilience in the face of life’s challenges. We talk honestly about what it means to be truly all-in and how that kind of resolve can transform not just relationships, but your entire...
Episode 158
Welcome to another epic episode of The Mortgage Loan Officer Podcast, with your host, Frank Garay.
In this laid-back and inspiring episode, I catch up with Megan Anderson from MBS Highway, who's been living the van life for the past 240 days!
This is a fun follow-up...
Episode 157
Welcome to another epic episode of The Mortgage Loan Officer Podcast, with your host, Frank Garay.
In this episode, I sit down with my good friend and business partner, Dru Brents, co-founder of Broker Plus / PreApp1003, to talk about why thousands of brokers are making the move to this all-in-one platform.
<...
Episode 156
Welcome to another epic episode of The Mortgage Loan Officer Podcast, with your host, Frank Garay.
On this episode of the Mortgage Loan Officer Podcast, I’m joined by Brandon Barnum, CEO of Raving Referrals, to introduce a powerful opportunity for loan officers.
Bra...
Welcome to another epic episode of The Mortgage Loan Officer Podcast, with your host, Frank Garay.
In this episode of the Mortgage Loan Officer Podcast, Frank Garay sits down with Josh Pitts of Shred Media for a wild ride—literally and professionally.
Josh gives us a gripping update on his family’s journey sailing the wor...
Episode 154
Welcome to another epic episode of The Mortgage Loan Officer Podcast, with your host, Frank Garay.
In this episode of the Mortgage Loan Officer Podcast, I sit down with Chelsea Gardner, CEO of FullyAlignedMarketing.com, to uncover some major changes to Facebook marketing that loan officers need to know—especia...
Episode 153
Welcome to another epic episode of The Mortgage Loan Officer Podcast, with your host, Frank Garay.
In this episode, I’m pulling back the curtain on my journey into the investor loan space — and specifically, how I closed a $2.1 million cannabis loan in Sacramento, CA.
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Episode 152
Welcome to another epic episode of The Mortgage Loan Officer Podcast, with your host, Frank Garay.
In this episode of the Mortgage Loan Officer Podcast, we're excited to announce that Loan Officer Breakfast Club replays are now available nationwide for free — so no matter where you are, you can plug in and get...
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It’s 1996 in rural North Carolina, and an oddball crew makes history when they pull off America’s third largest cash heist. But it’s all downhill from there. Join host Johnny Knoxville as he unspools a wild and woolly tale about a group of regular ‘ol folks who risked it all for a chance at a better life. CrimeLess: Hillbilly Heist answers the question: what would you do with 17.3 million dollars? The answer includes diamond rings, mansions, velvet Elvis paintings, plus a run for the border, murder-for-hire-plots, and FBI busts.
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