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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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Welcome to the Life in the Carolinas Podcast. Our show features a blending of stories that are primarily based on the syndicated TV show, Carl White's Life in the Carolinas and newspaper columns written by Carl White. Like Carl often says, "It's never a bad time for a good story!" The podcast is hosted by Carl and features specials guests as they share the stories behind the stories. All too often we simply do not have enough time to share everything we would like during broadcast. This podc ...
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Episode 122 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 the innovative Ginger Bell to explore creative strategies for reaching more people beyond traditional social media channels. Ginger, a seasoned expert in marketing and e…
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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, your host, Carl White sits down with Erron Saucier, a seasoned mortgage professional, to discuss his innovative approach to boosting mortgage business through boot camps. The program, inspired by the Daily Success Plan, focuses o…
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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, your host, Carl White interviews Wayne King and Paul Marsh, founders of Encompass Lending Group, discussing their successful strategies for attracting established loan officers to join their team. They delve into the importance o…
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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, your host, Carl White sits down with John Moore and Nick Rocco, to discuss their successful partnership in the mortgage industry. They emphasize the importance of their partnership in balancing work and life, leveraging each othe…
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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, your hosts, Carl White and Richard Smith discuss the importance of virtual assistants for loan officers in the mortgage industry. They highlight the benefits of hiring virtual assistants from the Philippines, who are skilled in m…
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Episode 121 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 Chris Johnstone to explore the exciting world of AI business recommendations. Chris shares invaluable insights on how mortgage loan officers can leverage AI to enhance t…
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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, your host, Carl White interviews Rick Riddle, a co-founder of Crown Home Mortgage, discussing various aspects of loan officer training, mortgage marketing, and loan officer coaching. Rick shares insights into their unique approac…
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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, your host, Carl White sits down with Richard Smith, a seasoned loan officer who has recently jumped back into personal production after years as a branch manager. Richard discusses his strategy of reaching out to new referral par…
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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, your host, Carl White focuses on the importance of prospecting for loan officers. He emphasizes the significance of real prospecting activities in generating leads and closing loans successfully. He also highlights the impact of …
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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, your hosts, Carl White and Kristin Simpson discuss the importance of loan officers answering their phones promptly to secure leads and close deals successfully. They highlighted the significance of utilizing answering services, a…
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Episode 120 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 dive into how ChatGPT-4 and my virtual assistant, Trev, have transformed the way I manage my business. From content creation to daily planning, Trev and I work hand in hand to streaml…
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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, your hosts, Carl White and Kristin Simpson discuss the importance of self-worth and how it impacts various aspects of life, including relationships, success, and personal growth. Carl shares a story about a friend in an abusive r…
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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, your hosts, Carl White and Kristin Simpson discuss the concept of confirmation bias and its impact on various aspects of life, including relationships and business. They delve into how individuals tend to seek out information tha…
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Episode 119 Welcome to another epic episode of The Mortgage Loan Officer Podcast, with your host, Frank Garay. In this thought-provoking episode, we dive into a fundamental truth of the mortgage business: the importance of aligning with the right real estate partners. The title says it all—you can't expect a high volume of loan originations from ag…
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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, your hosts, Carl White and Steve Kyles discuss the importance of video marketing for loan officers and mortgage professionals. Carl emphasizes the need for loan officers to utilize video marketing to build personal connections, e…
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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, your host, Carl White focuses on the importance of obtaining great reviews for loan officers and mortgage professionals. He emphasizes the significance of asking for reviews and providing a formula for clients to follow when leav…
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Episode 118 Welcome to another epic episode of The Mortgage Loan Officer Podcast, with your host, Frank Garay. Have you ever wondered what it's like to learn from a legend like Zig Ziglar? In this episode, we sit down with Bill Hedrick, who spent time under Zig's tutelage. Bill will share some of his most inspiring stories and insights gleaned from…
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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, your host, Carl White shares a life-changing conversation he had with his niece about the importance of distinguishing between roommate issues and marriage issues in relationships. He emphasizes the impact of maintaining a harmon…
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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, your host, Carl White emphasizes the importance of selling what's on the shelf, maintaining profitability, and saving 25% of personal net income. These strategies are highlighted as key factors that loan officers can control to n…
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Episode 117 Welcome to another epic episode of The Mortgage Loan Officer Podcast, with your host, Frank Garay. In this cutting-edge episode, we sit down with Chris Johnstone from Mortgage Marketing Animals to explore the transformative capabilities of the Loan Officer AI CRM. Now enhanced with real-time agent data, this tool is a game-changer for a…
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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, your host, Carl White shares a simple yet effective strategy for loan officers to generate referrals and strengthen relationships with real estate agents. The strategy involves leaving online reviews for the buyer's agent and lis…
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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, your hosts, Carl White and Steve Kyles discuss the key factor that separates top loan officers from the rest: overcoming the fear of rejection. They delve into ten essential strategies to help loan officers tackle rejection and a…
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Episode 116 Welcome to another epic episode of The Mortgage Loan Officer Podcast, with your host, Frank Garay. Looking to break into new real estate offices and land high-net-worth clients? In this episode of the Mortgage Loan Officer Podcast, we chat with Tracey Lindsey, a recent MoveTube member who used the platform to achieve exactly that. Tracy…
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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, your host, Carl White emphasizes the importance of taking action and pushing through rejection or failure to achieve success as a loan officer. He discusses the significance of effective communication with referral partners, part…
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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, your host, Carl White discusses the importance of having the right team members to help loan officers close more loans efficiently. He emphasizes the significance of asking the question, "Do I have the right person helping me?" t…
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Episode 115 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, host Frank Garay chats with Casey O'Toole from MyLinkedSolution.com about a revolutionary system for loan officers. Discover how MyLinkedSolutioncan help you: Target and connect with qu…
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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, your host, Carl White interviews Chelsea Gardner, a Facebook ads expert specializing in the mortgage industry. Chelsea shares insights on running successful Facebook ads for loan officers, emphasizing the importance of targeting …
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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, your hosts, Carl White and Chris Johnstone discuss the guaranteed way to meet with top real estate agents. They delve into the importance of marketing to real estate agents, focusing on qualified agents who have a higher likeliho…
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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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Welcome to Loan Officer Freedom, the #1 podcast in the country for loan officers, hosted by Carl White. In this episode, your hosts, Carl White and Chris Johnstone dive into the world of SEO and how it can help loan officers get more loans. They discuss the importance of ranking on Google and the upcoming shift towards AI search engines. Chris shar…
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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, your hosts, Carl White and Frank Garay discuss the incredible success and impact of the Loan Officer Breakfast Club. They delve into the origins of the club, its unique features, and the positive and uplifting atmosphere it provi…
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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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Welcome to Loan Officer Freedom, the #1 podcast in the country for loan officers, hosted by Carl White. In this episode, your hosts, Carl White and Chris Johnstone discuss the importance of choosing the right CRM for loan officers. They delve into the benefits of using a CRM, the features of their own CRM, and how it can revolutionize your mortgage…
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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, your host, Carl White and Owen Lee discuss the latest updates on Triggerlead legislation. They delve into the intricacies of trigger leads, the problems associated with them, and the proposed solutions. Owen provides insights on …
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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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Welcome to Loan Officer Freedom, the #1 podcast in the country for loan officers, hosted by Carl White. In this episode, your host, Carl White discusses the age-old question: Should loan officers spend part of their prospecting time looking for CPAs? As tax season approaches, the debate between focusing on real estate agents versus CPAs becomes mor…
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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, your host, Carl White shares the greatest business advice he ever received that transformed his business "Just go get more". Carl emphasizes the importance of focusing on getting more referral partners, leads, and closings to ach…
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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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Welcome to Loan Officer Freedom, the #1 podcast in the country for loan officers, hosted by Carl White. In this episode, your host, Carl White sits down with Jason Scott, a successful mortgage broker with 17 years of experience. Jason shares his insights on how he manages to schedule 15 to 20 appointments per week by utilizing a proactive approach …
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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, your host, Carl White sits down with Brian Stevens from MortgageShots.com to discuss the recent NAR settlement. They delve into the implications of the new NAR settlement on the real estate industry and how it affects loan office…
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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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Welcome to Loan Officer Freedom, the #1 podcast in the country for loan officers, hosted by Carl White. In this episode, your hosts, Carl White and Kristin Simpson discuss the concept of a "workcation" and its significance in evaluating team dynamics and focusing on prospecting activities. They delve into the benefits of stepping away from the offi…
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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, your host, Carl White sits down with Robert Fillyaw to share their biggest screw-ups in the mortgage industry. From hiring mistakes to strategic blunders, they discuss the valuable lessons learned from their failures. Join them a…
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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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Welcome to Loan Officer Freedom, the #1 podcast in the country for loan officers, hosted by Carl White. In this episode, your host, Carl White sits down with Adam Hawkins, a loan officer who shares his incredible journey from closing two loans to an impressive eleven loans in just 90 days. Adam discusses his transition from the banker world to the …
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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, your hosts, Carl White and Steve Kyles discuss the importance of not allowing others to leave their "monkeys" in your office, symbolizing unresolved issues. Discover how empowering your team to take ownership of problems can lead…
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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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Welcome to Loan Officer Freedom, the #1 podcast in the country for loan officers, hosted by Carl White. In this episode, your hosts, Carl White and Steve Kyles dive deep into the number one thing that holds loan officers back: toxic relationships. They discuss the importance of identifying toxic individuals, forgiving them, and extending grace to h…
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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, your host, Carl White shares some eye-opening statistics about the importance of working with qualified real estate agents to boost your loan closing numbers. Discover the difference between targeting unqualified versus qualified…
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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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