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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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The Loan Originators' Edge is a podcast and video series partnership between Scotsman Guide, the leading resource for mortgage originators, and Mortgage Marketing Animals, a top coaching and mentorship program for loan officers. In each episode, Carl White of Mortgage Marketing Animals interviews a Scotsman Guide Top Originator or recent authors from around the mortgage world, sharing insights that originators need to know in order to thrive in today's marketplace, or a high-ranking Top Orig ...
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Loan Officer Success with Erica Homefield. Are you ready to learn some great ways to take your mortgage business to new levels? Erica hosts Loan Officer Success podcast and kicks off every episode with a positive vibe by sharing successful strategies she has learned from working alongside Carl White, the host of Loan Officer Freedom powered by Mortgage Marketing Animals, the #1 podcast worldwide for loan officers. If you are ready to use these valuable mortgage marketing tips for success to ...
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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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Dive into the captivating world of business, art, music, creativity, and entrepreneurship. Join us as we interview brilliant minds, exploring their fascinating journeys, innovative ideas, and impressive accomplishments from all sorts of industries. ”Interviews. For Good.”
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Episode 131 Welcome to another epic episode of The Mortgage Loan Officer Podcast, with your host, Frank Garay. In this episode, I sit down with Steve Kyles to talk about the transition from "grinding" to "grooving" in your business. We explore how to shift your mindset and build momentum by focusing on calls to referral partners who already know an…
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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 dives deep into the world of mortgage marketing with Devin Dubuque from the Dubuque Team, powered by Click & Close Mortgage. Join them as they explore the fascinating journey of how Devin and his team adapte…
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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 Kelly Lewis, a new loan officer from Houston, Texas, who shares her journey in the mortgage industry. With 24 years of experience, Kelly has transitioned from processing and compliance to purs…
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Episode 130 Welcome to another epic episode of The Mortgage Loan Officer Podcast, with your host, Frank Garay. In this episode, Frank Garay and special guest Steve Kyles dive into the importance of truly disconnecting during your time off. As loan originators, we know how difficult it can be to step away from active pipelines and ongoing client nee…
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In this episode we talk to Dr. Dirk Perritt, a seasoned emergency doctor and Founder of MD Health Pathways, and Meade Monger, a visionary leader in digital transformation and Co-Founder of Omniscient Platforms. We explore how their teams are reshaping the future of healthcare and how they're creating a cutting-edge system that allows communities to…
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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 Maria White dive into the crucial topic of where top originators get their leads. Join us as they discuss the surprising statistics behind lead generation, revealing that a staggering 78% of successful …
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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 announces an important event for the mortgage industry! 📅 Event: State of the Mortgage Industry Address 🗓️ Date: Coming up on Wednesday 🌐 Register Here: stateofthemortgageindustry.com Carl will be hosting an…
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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 Kevin Gillespie dive deep into the three essential steps to achieve your dreams, inspired by a powerful message from their friend Tammy Saul. They discuss the importance of believing in the possibility …
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Episode 129 Welcome to another epic episode of The Mortgage Loan Officer Podcast, with your host, Frank Garay. In this episode, I sit down with Richard Smith, owner of QualifiedAgentList.com, to discuss how mortgage loan officers can gain a competitive edge by working with a curated list of top-producing real estate agents. We dive into the key adv…
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Join us for the newest episode The Loan Originators’ Edge podcast, featuring Scott Evans of CrossCountry Mortgage—an all-star in the Top Originator rankings! For over a decade, Scott has consistently ranked near the top of the Top Dollar Volume lists, making him one of the most successful and respected figures in the mortgage industry. In this epis…
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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 Kevin Gillespie dive deep into the current state of the mortgage industry and explore the recent turnaround in production levels. They discuss the strategies top producers are using to thrive, including…
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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 dives deep into the life of Frank Garay, a former Navy submariner who served from 1980 to 1986. In this candid conversation, Frank shares his unique experiences aboard submarines, including the challenges of…
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In this episode we talk to C. Thomas Lewis, Documentary Filmmaker and Teaching Professor at Indiana University Indianapolis. Thomas was Josh's master's professor and thesis advisor, profoundly shaping his journey into podcasting and passion for documentary production. We explore his work on documentaries and narrative films that have been recognize…
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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 Kevin Broughton reflect on the lessons learned from their careers. From the importance of focusing on what you can control to the value of consistency and financial planning, they share personal experie…
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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 topic of fear and how it can hold us back from seizing great opportunities. They discuss the power of writing down your fears, identifying worst-case scenarios, and realiz…
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Episode 128 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, I sat down with Josh Pitts, founder of Shred Media, who has taken the ultimate leap into adventure. Josh has sold everything he owns, bought a 50' catamaran, and moved his 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 hosts, Carl White and Steve Kyles emphasize the importance of perspective, choice, and community when facing negativity. They highlight the significance of not engaging with haters on social media and blocking out negative n…
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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 Chris Haynes, a seven-figure income loan officer, to discuss valuable advice for loan officers. The conversation covers essential topics such as making daily calls, building a strong database, and…
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Episode 127 Welcome to another epic episode of The Mortgage Loan Officer Podcast, with your host, Frank Garay. Ever dreamt of hitting the open road, leaving the conventional behind, and embracing a life of adventure? In this captivating episode, we sit down with mortgage industry icon Megan Anderson of MBS Highway, who has done just that. Megan mad…
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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 Kevin Broughton discuss valuable insights and lessons learned from their experience in building successful branches in the mortgage industry. They emphasize the importance of proper staffing, efficient …
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In this premier episode of The Strategy Sessions, Josh goes solo to break down "Your Website as an Investment." He thoroughly covers how to treat your website as a valuable business asset by focusing on key areas: scalable frameworks, technical maintenance, consistent new content, accessibility, and SEO basics. Josh also shares a success story of a…
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In the latest episode of The Loan Originators' Edge, we sit down with Jennifer Beeston of Rate, who claimed the No. 1 spot in Top VA Volume in the 2024 Top Originator rankings! 🌟 Jennifer Beeston is not only a top performer in the mortgage industry but also a trailblazer in social media and content creation. In this episode, she talks with Carl Whi…
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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 implementing a healthy lifestyle for loan officers to enhance their energy and productivity. They emphasize starting the day with a positive routine, such as ex…
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Episode 126 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 Steve Kyles for a candid conversation about the transformative power of what I call "Unity Culture." We delve into how an organization, when unified from top to bottom, …
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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 Marty Fink, a successful loan officer and branch manager, who shares her journey from closing one or two loans a month to an impressive eight loans in a single month. Marty discusses her unique ap…
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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 hosting events for loan officers to attract referrals from qualified real estate agents. They emphasize the significance of putting butts in chairs at these eve…
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In this riveting episode we talk with Lamar Werts, owner of The Service Pros, an air conditioning business that's thriving against the odds. Lamar takes us through his incredible journey from a challenging childhood and the struggle to make ends meet, to his time behind bars, and the profound transformation he underwent while incarcerated. Discover…
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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 Krista Russo tackle the beast of call reluctance in mortgage sales. They discuss the fears and anxieties that come with making calls, the importance of knowing your value, and practical tips to overcome…
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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 Krista Russo discuss the importance of hiring the right assistance for loan officers. They emphasize the need for loan officers to focus on sales and prospecting while delegating tasks to assistants to …
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Episode 125 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 interview Don Oberle, the CEO of CreditIQ.org. Don reveals their exceptional process for helping credit-challenged buyers improve their scores and get back to you, ready for a mortgag…
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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 concept of making the mortgage process easy and convenient for both clients and loan officers. They delve into the importance of having a structured team in place to handle diffe…
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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 overcoming fear and taking action in the mortgage industry. They share personal stories, insights, and practical tips on how to push past fear of failure and ma…
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Episode 124 Welcome to another epic episode of The Mortgage Loan Officer Podcast, with your host, Frank Garay. In this episode, I dive into a game-changing concept I learned from Steve Kyles at our recent Mortgage Marketing Animals Bootcamp: the Four Pillars of Success—Math, Skills, Discipline, and Belief. Specifically, I break down the simple Math…
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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 Krista discuss the importance of recognizing one's value as a loan officer in the mortgage industry. They emphasize that loan officers are the prize and that their unique personalities and qualities are …
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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 Krista dive deep into the topic of self-worth and how it can impact the success of mortgage loan officers. They discuss the importance of recognizing one's own value and how it can lead to greater achiev…
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Welcome to the newest episode of Scotsman Guide’s podcast, The Originators’ Edge! In this episode, host Carl White sits down with Dustin Rosenberg and Jonathan Yoo, the driving forces behind the rise of California-based Convoy Home Loans. Dustin Rosenberg has made significant strides in the mortgage industry, reaching No. 16 in Scotsman Guide's Top…
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In this episode we talk with Mike Marcus, a Senior Mortgage Advisor at Guaranteed Rate, to discuss the current housing market, the ins and outs of mortgages, his genuine dedication to helping people, the importance and meaning of owning a home, his expertise in problem-solving, customer service, and practical tips and insights to guide you on your …
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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 Krista to have a candid conversation about getting started in the mortgage industry. They discuss the importance of mindset, prospecting strategies, utilizing resources like the scenario desk,…
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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 referral partners in generating leads for loan officers. He shares insights from a recent study that revealed top-producing loan officers acquire 78.1% of their business from refe…
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Episode 123 Welcome to another epic episode of The Mortgage Loan Officer Podcast, with your host, Frank Garay. In this powerful episode, we dive deep into the mindset and strategies that define a true warrior in the mortgage industry. Join us as we explore what it takes to dominate your goals, crush the competition, and maintain relentless determin…
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Welcome to another insightful episode of The Loan Originator's Edge! In this episode, host Carl White sits down with Scott Silverstein of Newrez, who has made an impressive leap in Scotsman Guide’s Top Dollar Volume rankings, climbing over 300 spots from 2021 to 2024 despite the challenging mortgage market. Join us as Scott shares the secrets to hi…
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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 Irene Duford discussed the significance of gaining market share in the current competitive landscape, especially with fewer loan officers in the industry. They emphasized the need for loan officers to i…
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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 video marketing for loan officers. They emphasize the impact of videos on building personal connections, enhancing trust, and driving credibility in the mortgag…
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In this episode we talk to Chris Van Noy-March, Matte Painter and Compositing Artist at Fin Design + Effects, about his experience working on films such as Avengers, Ice Age, Peter Rabbit, The Lego Movie, and For All Mankind. We go across the ocean and behind the scenes of visual effects in Hollywood, learn about his journey to the big screen, 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 host, Carl White discusses his personal journey in the mortgage industry and how he transitioned from working in the hospital system to becoming a successful loan officer and branch manager. He shares how he found fulfillmen…
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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 various resources available to loan officers that can significantly impact their business growth. From Loan Partner U to Lakeside Chat with Carl, Scripting with Steve, Social Med…
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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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