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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.
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Beyond The Rate Sheet

Carl White and Jason Perkins

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Welcome to Beyond the Rate Sheet, your resource for industry insights and innovative strategies to improve your origination business. This podcast is designed to help loan officers in revolutionizing their business improving your performance in every way. Each episode features in-depth discussions on an array of topics, from marketing strategies to technology integration, regulatory compliance to customer service, and everything in between. We bring you exclusive interviews with industry lea ...
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In this episode, we'll explore the power of partnerships and how loan originators can be indispensable allies to real estate agents, especially in today's challenging market. Tim Braheem was recognized as one of the top fifty producing loan originators in the United States, reaching a peak in personal production of 676 loans for a total of $236,000…
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In this episode of Mortgage Marketing Radio, we welcome John Cornish back for a third time on the podcast! Listen to John's focus on the fundamentals of daily activities and time blocking that thrives on personalized client engagement and consistency. Mondays involve sales meetings and agent outreach, while Tuesdays are for pipeline updates and buy…
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Episode 114 Welcome to another epic episode of The Mortgage Loan Officer Podcast, with your host, Frank Garay. Get ready to elevate your networking game in this enlightening episode, featuring the dynamic Iris Guzman, who shares her recipe for success with Lunch and Learns. Iris takes us on a step-by-step journey through her tried and tested approa…
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In today's episode, we dive deep into the complexities of the real estate industry, the essence of financial literacy amongst millennials and Gen Z through the First Home IQ initiative, and the strategic use of social media to foster trust and community leadership with first time home buyers. Don't Miss: Kristin's views on why empowering customers …
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Episode 113 Welcome to another epic episode of The Mortgage Loan Officer Podcast, with your host, Frank Garay. In the latest episode of the Mortgage Loan Officer Podcast, we delve into the transformative power of AI in converting online leads into tangible business opportunities. Our esteemed guest, Chris Johnstone, a visionary in the mortgage indu…
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Episode 112 Welcome to another epic episode of The Mortgage Loan Officer Podcast, with your host, Frank Garay. In this compelling episode of the Mortgage Loan Officer Podcast, host Frank Garay welcomes Kevin Gillespie from The Loan Officer Leadership Academy to share invaluable insights into the competitive world of mortgage lending. With a focus o…
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Today we have an insightful conversation lined up that promises to deepen your understanding of the mortgage industry and bolster your business strategies. Joining us is the mortgage maven himself, Brian McCauley, with a staggering 20 years of experience and a track record that includes weathering the tumultuous 2008 financial crisis. In this episo…
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Episode 111 Welcome to another epic episode of The Mortgage Loan Officer Podcast, with your host, Frank Garay. Tune into a revolutionary episode of the Mortgage Loan Officer Podcast as we catch up with Ken Perry from Knowledge Coop, who's here to blow our minds with the launch of the Coop+ app. Imagine having the power of every guideline for conven…
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Today we're diving deep into the seismic shifts shaking up the real estate industry with my guest, James Kleiman, Newsroom Manager at Housingwire and a sharp observer of real estate trends. In this episode, we're discussing the ripple effects of recent settlements and regulatory changes that are reshaping the landscape for agents and mortgage profe…
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Episode 110 Welcome to another epic episode of The Mortgage Loan Officer Podcast, with your host, Frank Garay. In this solo episode, I dive into the recent settlement reached by the National Association of Realtors and its profound implications for the real estate landscape. From buyer and listing agents to real estate companies and mortgage loan o…
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In this insightful episode of Mortgage Marketing Radio, Geoff Zimpfer welcomes Jordan Nutter to discuss the intersection of mortgage marketing, financial literacy, and social media strategy. Jordan shares her mission to enhance financial literacy throughout the nation, diving into the nuances of balancing loan origination with her 50-city tour in 3…
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Episode 109 Welcome to another epic episode of The Mortgage Loan Officer Podcast, with your host, Frank Garay. Dive deep into the heart of the mortgage world in our latest episode, featuring the insightful Brian Stevens, co-founder of the National Real Estate Post and Mortgage Shots. We peel back the layers of the industry in a candid conversation …
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Episode 108 Welcome to another epic episode of The Mortgage Loan Officer Podcast, with your host, Frank Garay. In this electrifying episode, we're joined by the stellar Sharon Wofford, a beacon of consistency at the Mortgage Marketing AnimalsCall Star sessions. Sharon steps up to the plate to share her groundbreaking Realtor Call Stars program, dev…
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In this enlightening episode, we talk with Tom Moffat and Brandon Love about innovative strategies for using Instagram to connect with REALTORS. From creating exclusive broadcast channels to utilizing the 'close friends' feature, this episode uncovers the power of personalized communication and relationship building on Instagram. Key Points Discuss…
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In this episode, myself along with Brian Vieaux, and Kyle Draper delve into the concept of the next generation mortgage loan officer and what it takes to thrive in the modern mortgage industry. We discuss the importance of embracing technology, being a digital native, and the significance of personalized customer service in catering to the diverse …
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Episode 107 Welcome to another epic episode of The Mortgage Loan Officer Podcast, with your host, Frank Garay. In this captivating episode of the Mortgage Loan Officer Podcast, we sit down with the esteemed Kim Vap, whose remarkable journey in the mortgage industry has led her to become a preferred lender for a prominent new home builder in her loc…
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On this episode we welcome Travis Thom, a renowned Facebook and Instagram ad expert and AI marketing strategist, back to Mortgage Marketing Radio for an insightful episode on cutting-edge digital marketing strategies in the mortgage and real estate industries. Key Points Discussed: - The transition from traditional long landing pages to streamlined…
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Episode 106 Welcome to another epic episode of The Mortgage Loan Officer Podcast, with your host, Frank Garay. Tune in to this episode where we chat with the wonderfully vibrant Vicki Lasher, who shares a hilariously fortunate mishap that turned into a goldmine. In a classic 'oops' moment, Vicki accidentally blasted her entire database with an emai…
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Today we're talking with Mike Faraci. He's the Founder & CEO of Red Button Media, a video content agency that specializes in creating authentic, professional video content and marketing strategies that get you the attention you deserve. **Here's a breakdown of the top takeaways from our conversation with Mike:** 1. **Harnessing AI Tools for Content…
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Episode 105 Welcome to another epic episode of The Mortgage Loan Officer Podcast, with your host, Frank Garay. Dive into our latest podcast where we unwrap the magic behind the Real Time Referral Program, a stellar strategy taught at Mortgage Marketing Animals. This episode is all about the simple yet powerful activities that link together, ensurin…
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In this episode, we dive into the art of refining the client experience in the mortgage industry with expert guest Mike Seminari, Director of Customer Experience (CX) with STRATMOR Group. Discover how to transform excellent service into a robust referral system and why your process can make or break client satisfaction. Key Points Discussed: - The …
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Episode 104 Welcome to another epic episode of The Mortgage Loan Officer Podcast, with your host, Frank Garay. Dive into the latest Mortgage Loan Officer Podcast where we explore "Call Courage," the antidote to call reluctance. Discover how the Call Stars program, with its blend of peer support and expert coaching, empowers loan officers to conquer…
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Join us in this enlightening episode of Mortgage Marketing Radio, with guest Daniel Simoanvsky, a top-referred insurance broker in the Kansas City area and a co-founder of a thriving insurance agency. In this episode, we delve into Daniel's innovative approach to building meaningful relationships within the real estate and mortgage industry by leve…
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Episode 103 Welcome to another epic episode of The Mortgage Loan Officer Podcast, with your host, Frank Garay. In this electrifying episode, we sit down with mortgage veteran Kevin Blair, a seasoned pro with over 25 years in the mortgage biz. Kevin shares a harrowing tale of how a switch to a company focused on generating online leads nearly capsiz…
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We've got Canadian Mortgage innovatorJason Henneberry as our special guest on today's episode. Jason dropped invaluable insights on emotional selling, financial education, and the critical skills for thriving: audience building, deal creation, and deal conversion. 05:34 Tightened regulations impact mortgage market, 2025 surge. 07:32 Retail versus i…
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Episode 102 Welcome to another epic episode of The Mortgage Loan Officer Podcast, with your host, Frank Garay. 🌟🧠 In this enlightening episode of the Mortgage Loan Officer Podcast, we're joined by the mind-shifting guru, Coach Irene Duford. Known for her masterful approach to mindset transformation, Coach Irene is here to share her wisdom and provi…
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Episode 101 Welcome to another epic episode of The Mortgage Loan Officer Podcast, with your host, Frank Garay. This episode is essential listening for both experienced and new loan officers. We delve into the strategic use of your client database to enhance your loan closing rates. We explore how seasoned professionals can engage more effectively w…
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I am thrilled to bring you my conversation with the renowned YouTube strategist Sean Cannell. We dissect the nuances of creating powerful YouTube content for mortgage professionals, blending high-value content with the seamless use of AI and the irreplaceable human element that propels your marketing to new heights. **Key Points We Discussed with T…
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Episode 100 Welcome to another epic episode of The Mortgage Loan Officer Podcast, with your host, Frank Garay. This episode of the Mortgage Loan Officer Podcast features the dynamic Freedom Club Coach, Dan Ellis. We're delving into the common misconceptions about coaching in the mortgage industry. Dan enlightens us on how real coaching goes beyond …
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Today we're talking with Shayla Gifford. She's the VP of Sales and Development and a Branch Manager with Guild Mortgage. Before you set out to conquer your goals in 2024 it's important to have a check up from the neck up. Meaning, how to get your mindset aligned to optimize your skillset and your activities. Shayla's superpower is helping people br…
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Episode 99 Welcome to another epic episode of The Mortgage Loan Officer Podcast, with your host, Frank Garay. In our latest Mortgage Loan Officer Podcast episode, we're joined by the sensational Launch Coach, Meg Baldwin. Dive into her enlightening strategy for those who feel the jitters about making phone calls. Meg shares her hip approach to star…
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Episode 98 Welcome to another epic episode of The Mortgage Loan Officer Podcast, with your host, Frank Garay. Welcome to the latest episode of the Mortgage Loan Officer Podcast, where we're excited to feature Steve Kyles, a respected figure in the mortgage industry. In this episode, Steve shares his invaluable insights on the crucial topic of weekl…
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On today's episode we're learning about an alternative to verifying employment, income and assets for your borrowers. Truv allows you to gather over 100 unique income and employment data points from applicants by allowing them to login directly to their payroll or employer account. You'll save your clients money and reduce your time to close with T…
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Episode 97 Welcome to another epic episode of The Mortgage Loan Officer Podcast, with your host, Frank Garay. Tune in to the latest episode of the Mortgage Loan Officer Podcast, where we dive into a far-out story shared by Dennis from our LOBC Facebook group. This episode, titled "Persistence Pays: Challenging the 'Everybody' Myth in Loan Officer O…
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Imagine never having to update real estate listing flyers. Accelerate the home loan process by putting real-time mortgage rate listing flyers right in the hands of prospective homebuyers, agents and builders. Uplist is a modern alternative to traditional listing flyers. The platform then generates a rate-search web page for that listing, complete w…
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Episode 96 Welcome to another epic episode of The Mortgage Loan Officer Podcast, with your host, Frank Garay. Tune in to our latest episode of the Mortgage Loan Officer Podcast, where we sit down with the ever-inspiring Carl White from the Marketing Animals. Carl's been on a far-out health journey, transforming himself and his life. Four years ago,…
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In this enlightening episode, we sit down with Josh Friend, the visionary CEO of Insellerate, who has successfully navigated the challenging waters of direct-to-consumer marketing with an impressive $30 million investment. Josh brings a wealth of experience and unique insights into the world of consumer direct mortgage marketing. We explore the imp…
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Have you ever thought about real estate investing as a path to financial freedom? Have you kicked around the idea but felt you were too busy with work and family responsibilities? Our guest today is Michael Zuber. He's the author of One Rental At a Time and hosts the One Rental at a Time YouTube channel. (Links Below) Today we're talking about how …
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Episode 95 Welcome to another epic episode of The Mortgage Loan Officer Podcast, with your host, Frank Garay. In this inspiring episode of the Mortgage Loan Officer Podcast, join us as we sit down with Coach Rick Koenig, a revered figure in the mortgage industry. Dive into the remarkable story of one of his most successful students, a master strate…
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Greg Sher is the Managing Director @ NFM Lending. He's passionate about empowering and inspiring others through media and storytelling. This episode features an inspiring conversation about how to pivot in the current market. You'll also hear amazing stories of Loan Officers creating content online that's generating inbound referrals every single m…
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Episode 94 Welcome to another epic episode of The Mortgage Loan Officer Podcast, with your host, Frank Garay. In this insightful episode of the Mortgage Loan Officer Podcast, we delve into the groundbreaking MoveTube open house feature – a game-changer for real estate agents and loan officers alike. Discover how this innovative tool empowers agents…
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In this idea packed episode, we delve into the art of thriving in the current mortgage market with our guest, Dale Vermillion. With the landscape of mortgage origination becoming increasingly challenging, Dale shares his expertise on the most effective activities mortgage originators should focus on today. We discuss innovative strategies for marke…
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Episode 93 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 Chris Johnstone, an industry expert in harnessing the potential of AI within the mortgage business. Chris shares insights into his innovative 12-week training …
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Episode 92 Welcome to another epic episode of The Mortgage Loan Officer Podcast, with your host, Frank Garay. On today’s episode, you’ll discover how MoveTube offers agents a competitive edge, allowing them to boast, "List with me, and see your home featured on TV" during listing presentations, adding a dazzling twist to traditional home selling st…
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On today's episode we're talking with Logan Mohtashami. Logan is a renowned housing market expert recognized for his insightful analysis and commentary on the U.S. economy and real estate market. Mohtashami is a lead analyst for HousingWire and is a regular contributor on the HousingWire Daily podcast. Episode Resources: Follow Logan on Instagram S…
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Episode 91 Welcome to another epic episode of The Mortgage Loan Officer Podcast, with your host, Frank Garay. Ever wondered how someone becomes a leading authority in leadership and influence? Join us as we unravel the captivating journey of René Rodriguez. From his early beginnings to becoming a best-selling author and keynote speaker, René has sp…
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In this episode we talk with Wade Betz. Wade has been in the mortgage industry since 2006 and helped thousands of families with more than $700M+ in residential financing funded. He's optimizing his Google Business profile to get found by local homebuyers and referring those deals out to his local agents. Wade is teaching educational classes to real…
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Episode 90 Welcome to another epic episode of The Mortgage Loan Officer Podcast, with your host, Frank Garay. On today’s episode, I chat with Ginger Bell who has just released AIBeehive.com. AIBeehive.com is a directory of AI tools that can be used by mortgage loan officers and real estate agents to help them in their business. The directory is alr…
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In this episode, you’re getting a glimpse inside the Members Only Coaching Call. Each week, we meet with fellow ambitious Mortgage Loan Originators from across the country. Our primary focus is leading with education in our local market to attract our ideal agent partners and grow our business. We also share ideas, work on mindset and accountabilit…
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Episode 89 Welcome to another epic episode of The Mortgage Loan Officer Podcast, with your host, Frank Garay. On today’s episode, I wrap up my Journey to Success podcast with Ginger Bell. Here in Part II we pick up from where we left off in Part I and take it home to Edumarketing, Ginger's current company. Her journey was very inspirational to me. …
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