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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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Episode 132 Welcome to another epic episode of The Mortgage Loan Officer Podcast, with your host, Frank Garay. In this episode, I interview Steve Kyles to explore the concept of a "paradigm filter"—the mental lens through which we interpret our experiences. We discuss how these filters can distort reality when based on lies and how we can transform…
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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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In this episode, we're sharing a behind-the-scenes listen into our private community of Loan Officers. Every week we meet up for coaching, accountability, and developing our skills and mindset. Once per month, we bring in a special guest expert. This month our special guest is Instagram marketing expert Jen Herman, recognized as one of the top Inst…
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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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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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In this conversation, Jonathan Mast and Geoff Zimpfer discuss the practical applications of AI, specifically ChatGPT, in various business scenarios. They explore how AI can be used to collaborate, generate content, and improve productivity. Mast shares tips on getting better output from AI, including using frameworks and training the models to refl…
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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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James Dwiggins, CEO of NextHome, discusses the impact of the NAR settlement on the real estate industry. He shares that companies that were prepared and ahead of the changes have been able to navigate the new rules effectively. However, many are still struggling to understand and adapt to the changes. Dwiggins predicts a 20-40% exodus of real estat…
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Katie Grimes is the #1 Female Loan Officer in Kansas and a Top 100 Female Loan Officer in the Nation. She emphasizes the importance of authenticity and creating deep connections with referral partners. While social media is valuable for branding and visibility, she believes that REALTOR referrals are the most direct route to clients who need her se…
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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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In this episode, Geoff Zimpfer shares some personal updates and then dives into key takeaways from the recent Forward Event. He emphasizes the importance of building a personal brand, attracting attention and providing proof over promises. Geoff also offers practical strategies for loan officers to partner with real estate agents and generate more …
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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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Today's episode is me with my first recap of the Forward Event. I've attended the event for three years in a row and this year's event was the best yet. The Forward Event is hosted by my friends Neel Dhingra and Trevor York. The first speaker for day one was Rory Vaden with Brand Builders Group. Rory emphasizes that a personal brand is the digitiza…
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In this insightful episode of Mortgage Marketing Radio, I sit down with special guest Brian Covey, Executive Vice President at Revolution Mortgage. Brian shares his wealth of experience and knowledge, offering valuable advice for professionals in the mortgage industry and beyond. As a former pro soccer player and Olympic team member, Brian draws fa…
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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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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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Raquel Borras, is the external brand communications manager at New American Funding. She emphasizes the importance of being genuine and true to oneself while maintaining a professional nature. Raquel shares her journey of establishing her personal brand on LinkedIn and how she incorporates her fun and goofy side into her content. She also highlight…
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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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Today we're hanging with Dustin Owen, VP of Eastern Division Sales at Waterstone Mortgage, to discuss the keys to success in the mortgage industry, the importance of endurance, and how to thrive in today's market. Dustin dives deep into the fundamentals of building a successful mortgage career. He emphasizes the importance of having 10 meaningful c…
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In this episode I meet up with my friend Josh Pitts and discuss the importance of consistent content creation on social media for mortgage professionals. The focus is on personal connections and community engagement rather than constantly promoting mortgage-related content. We talk about Josh’s new Shredit app, which simplifies the video editing pr…
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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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In this episode, I share a few of the biggest takeaways from the recent Mastermind Summit in Las Vegas. I'll discuss strategies and tactics for closing out the year strong in the mortgage industry. We review the importance of executing the fundamentals, such as building relationships with referral partners, having conversations, and staying in fron…
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In this episode, we talk with Scott Payne from Shape CRM to discuss the importance of standing out in business and optimizing lead management for loan officers. Scott shares his journey of becoming memorable in the industry through his unique personal branding, which includes wigs, humorous t-shirts, and fitness videos. **Top 5 Keys You'll Learn** …
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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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This episode shares key takeaways and frameworks to evaluate your results as a mortgage originator. We discuss the value of feedback and how to sincerely ask your referral partners for feedback. We also share a cool strategy to talk with your referral partners that creates meaningful connections and lays the foundation for future referrals. Episode…
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On this episode, Allison Larson, shares her strategies for building relationships with real estate agents and growing her business. She emphasizes the importance of finding agents who have a minimum of five buy-side transactions in the last 12 months and have been licensed for at least a year. She has a very structured process for identifying the r…
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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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Today we're focusing on how to 10X your business. It's just one episode in a series of short, focused takeaways you can apply to your business for immediate results. We'll start with identifying the top three activities that move the needle in your business and go from there. I'm also launching a NEW, exclusive opportunity to work closely with me t…
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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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Our guest today is Brian Boero, co-founder of 1000WATT. We're discussing the importance of branding and differentiation in the real estate and mortgage industry in a way that connects with your target audience. Boero shares his opinion around the NAR settlement, particularly for agents who struggle to adapt to the changes. He advises mortgage profe…
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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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It's been one year since having the #1 Loan Originator the Nation on the podcast. Matt and his team have helped over 25,000 families achieve their dreams of homeownership. Today, Matt Weaver is back and he's got a message for you. It's time to get serious or get out of the business. Listen and take notes as Matt shares his Four Pillars of Value and…
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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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In this episode of Mortgage Marketing Radio our guests are Sue Woodard, Cindy Ertman and Shant Banosian. We delve into innovative strategies for mortgage professionals looking to drive referrals and enhance customer relationships in today’s market. Cindy Ertman, a seasoned keynote speaker at the Mastermind Summit, shares three bold strategies desig…
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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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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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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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