Our aim is to help real people think theologically through real life problems for the glory of God and their everlasting joy.
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This show makes the boring FUN! Imagine if Joe Rogan and Dave Ramsey had a baby. That’s this show! These guys teach the sh*t they don’t teach in school. Their goal is to simplify topics that range from personal finance, purchasing real estate & obtaining home loans to being a successful mortgage originator, running a business and finding success as a sales professional. The mission is simple; to invite you into the room where it happens. They strive to teach you how to create opportunities e ...
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This show is dedicated to long range and precision shooting. High level competitors to the weekend plinker everyone can enjoy this show!
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A podcast for SBA Lenders
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We are not just ordinary fathers, we are striving to be "First Class Fathers," and we invite you to join us! Welcome to First Class Fatherhood, a Podcast with a vision to change the narrative of Fatherhood & Family Life. Your host, Alec Lace, takes you through transformative and encouraging interviews with over 650 high profile Dads. These interviews include NFL Legends Deion Sanders, Kurt Warner and Tom Brady; Hollywood Stars Matthew McConaughey and Steve Harvey; Navy SEALs Jocko Willink an ...
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What It Takes to Create Raving Fans in SBA Lending feat. Charles H Green, Chris Hurn, & Javier Jorge | Ep. 164
45:49
45:49
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What does it take to make your borrowers so happy that they can’t stop talking about their experience? In this episode of The Art of SBA Lending, Ray Drew is joined by a panel of SBA lending pros to discuss how to elevate your customer service game and turn borrowers into raving fans. SBA loans can be complex, and the journey to closing is rarely e…
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*NEW* Creating a Billion-Dollar Mortgage Company from Scratch | Ep. 484
51:12
51:12
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Join D.O. as he sits down with Lower CEO Dan Snyder to uncover his journey from Wells Fargo rookie to raising $100M+ from Silicon Valley VCs. Get the inside scoop on building a mortgage empire, navigating market cycles, and creating the mortgage company of the 2030s! 💰🏠By Dustin Owen
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Realtors Lie, Lenders Lie and Here's Why | Ep. 483
31:33
31:33
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D.O. spills the tea on what realtors and lenders don't tell you! From hidden negotiation opportunities to the truth about commissions, get the inside scoop on how the real estate game REALLY works. Essential watching for homebuyers and real estate pros! 🏠💰By Dustin Owen
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Getting Rid of the "All Available Collateral" Rule feat. Brian Carlson, Bob Coleman, & Darren Davis | Ep. 163
46:06
46:06
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The Art of SBA Lending Podcast is back this week with a new episode full of big ideas, fresh perspectives, and one (more) especially bold opinion from Ray. Join Ray and an expert panel of contributors as they explore the top trending topics in the SBA industry right now: The “big fish” trend—how top lenders are taking over more of the SBA market, a…
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How I Become a Top 1% Mortgage Loan Originator | Ep. 482
47:19
47:19
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Lauren Walton shares her journey from consumer direct lending to becoming a top 1% originator in just two years. She reveals how she leveraged her experience at a national bank to build a thriving retail mortgage business, emphasizing the power of genuine relationships and consistent networking.By Dustin Owen
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How Loan Officers Can Thrive in Changing Markets | Ep. 481
29:59
29:59
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D.O. and JC bring the laughs while tackling serious topics like hurricane preparedness, market changes, and career opportunities in the face of natural disasters. Join them for an insightful discussion on adapting to change in the mortgage industry and beyond.By Dustin Owen
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10 Culture-Killers: A Practical Guide on Building Culture | Ep. 162
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In this episode of The Art of SBA Lending, we’re diving into the heart of building a strong and intentional company culture. Ray and our panel of experts discuss why defining a company’s culture goes beyond labeling it as “good” or “bad.” Instead, it’s about identifying what makes your organization unique and aligning it with the values and behavio…
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Help Me I Suck At Talking To Strangers | Ep. 480
29:42
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Master the art of small talk with D.O. and JC as they reveal insider tips and strategies for mortgage professionals to build stronger relationships, close more deals, and dominate their market through effective communication.By Dustin Owen
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Offense Wins Championships In the Mortgage Game | Ep. 479
21:11
21:11
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D.O. explains why a strong offense is crucial in the mortgage industry, sharing insights on growing your business, managing teams, and adapting to career changes. Learn how to focus on growth and vision rather than just defending your current position.By Dustin Owen
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Combining 504 and 7(a) into 1 program feat. Ken Rosenthal, Brooke Mirenda, & Mitch Fogel | Ep. 161
42:18
42:18
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This week on The Art of SBA Lending, we’re bringing a big, new idea to the table: what if we could combine the SBA 7a and 504 programs into a single powerhouse loan program? In this episode, Ray Drew and our panel of Art of SBA Contributors explore the possibility of merging these two essential programs to create what Ray calls the “SBA Centaur Loa…
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Stop Believing These Mortgage Industry LIES! | Ep. 478
29:56
29:56
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D.O. exposes common misconceptions in the mortgage industry, debunking myths perpetuated by the media, recruiters, and even branch managers. Learn how to navigate misleading information and make informed decisions about your mortgage career or home buying journey.By Dustin Owen
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This Is THE END Of Mortgage Pre-Approvals | Ep. 477
32:53
32:53
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D.O. reveals the 5 essential elements of a successful home buying consultation. Learn how to build rapport, understand client needs, and position yourself as a trusted advisor in the mortgage industry. Perfect for loan officers looking to elevate their game and close more deals.By Dustin Owen
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BDO Career Paths ft. Jeannie Yoder, Dustin Baker, & Jared Johnson | Ep. 160
59:09
59:09
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In this episode of The Art of SBA Lending, Ray tackles a question many top-producing BDOs face: What's next? For those constantly pushing themselves to the next level, it’s not just about the numbers—it’s about growth, challenge, and finding fulfillment in their career. Ray dives into the various career paths for high-performing BDOs and unpacks th…
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Investments Every Ambitious Loan Officer Must Make | Ep. 476
35:04
35:04
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D.O. breaks down the essential ways loan officers can invest in their business for long-term success. Learn why professional development, strategic advertising, and leveraging technology are crucial for growth in the mortgage industry. Discover how to shift your mindset from employee to entrepreneur and take your career to the next level.…
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Crucial Questions You MUST Know to Win Clients | Ep. 475
28:24
28:24
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D.O. reveals the essential questions every loan officer must be able to answer to win clients and stand out in the mortgage industry. Learn about mortgage-backed securities, effective strategies for getting offers accepted, and the importance of client testimonials. Perfect for loan officers looking to up their game and homebuyers wanting to make i…
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Incentivizing SBA Closers and Underwriters feat. Chris Kwiatkowski, Dustin Baker, & Darren Davis | Ep. 159
47:12
47:12
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In this episode of The Art of SBA Lending, Ray Drew tackles the big question that can’t be ignored: Should we be paying underwriters and closers based on production? From bonuses to performance metrics, we’re exploring what it would take to reshape compensation in SBA lending. How do you incentivize underwriters and closers in a way that drives per…
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Current Mortgage Industry Trends | Ep. 474
30:36
30:36
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D.O. cuts through the BS on AI, elections, and the "magic number" for mortgage rates. No fluff, just real talk on why loan officers aren't going extinct and what's actually holding up the housing market.By Dustin Owen
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Stop Losing Deals to Financing Issues | Ep. 473
32:29
32:29
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D.O. spills the tea on the five crucial things realtors need to know about home financing to close more deals, avoid embarrassing mishaps, and become the go-to agent in their market.By Dustin Owen
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How to Build a Credit Box feat. Brian Carlson, Jeannie Yoder, & Chris Kwiatkowski | Ep. 158
31:28
31:28
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This week on The Art of SBA Lending, we’re diving deep into the framework that defines SBA lending success—the credit box. Ray is joined by our panel of experts to explore how SBA shops build and refine their credit boxes to manage risk and go to market with a competitive product. What does it take to build a successful SBA credit box? Is your cred…
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Realtors and Lenders Hate Each Other...But Why Tho?! | Ep. 472
35:43
35:43
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D.O. spills the tea on the often misunderstood, sometimes dysfunctional, but ultimately necessary relationship between realtors and lenders. Brace yourself for laughs, truths, and maybe a few uncomfortable realizations about your professional "marriage."By Dustin Owen
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The $56,000 Secret Sauce to Boosting Your Mortgage Business | Ep. 471
37:23
37:23
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Featuring expert insights from John Jeanmonod of Angel Oak, this discussion highlights how embracing non-QM solutions can significantly boost a loan officer's business while helping more borrowers achieve homeownership.By Dustin Owen
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Broker Compensation feat. Charles H. Green, Javier Jorge, & Kay Anderson | Ep. 157
41:58
41:58
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In this episode of The Art of SBA Lending, we’re diving into one of the hottest and most complex topics in the industry today: broker compensation in SBA lending. As the competition for volume in the 7(a) space heats up, broker fees are on the rise—sometimes dramatically so. But what does that mean for the industry, lenders, and ultimately, the bor…
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Top Questions From Loan Officers in 2024 | Ep. 470
41:57
41:57
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D.O. answers several frequently asked questions by loan officers and provides valuable insights into the mortgage industry, with a particular emphasis on how loan officers should manage their time and prioritize their efforts, especially when dealing with borrowers who have bad credit.By Dustin Owen
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D.O. introduces mortgage professionals to the strategic concept of "Realtor Hunting Season," a crucial approach for loan officers aiming to maximize their business potential. Dive deep into the cyclical nature of the real estate industry and how mortgage professionals can leverage this knowledge to their advantage.…
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The Great Debate: 504 vs 7(a) for Real Estate feat. Charles H. Green, Ken Rosenthal, & Brooke Mirenda | Ep. 156
53:05
53:05
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This week on The Art of SBA Lending we’re diving into a critical industry debate: the strategic differences between 504 and 7(a) loans for real estate. This episode will explore: Distinct Features: Analyze the structural nuances and financial mechanisms of 504 versus 7(a) loans. Strategic Considerations: Examine scenarios where each loan type offer…
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SBA Loans Are Changing The Game For Small Business | Ep. 468
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39:02
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D.O. welcome investment guru Ray Drew to explore the versatile applications of SBA (Small Business Administration) loans beyond just purchasing real estate. While many people associate SBA loans primarily with real estate purchases for existing businesses, this discussion reveals a much broader range of applications that can benefit entrepreneurs a…
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The Art and Science Behind Home Appraisals | Ep. 467
33:12
33:12
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Featuring insights from Joni Pilgrim, CEO of National Appraisal Network this video explores the critical role of appraisers in the home buying process and it covers common misconceptions, the appraisal process, and the evolving landscape of property valuation.By Dustin Owen
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Cultivating Your Own Talent (Best Practices) | Ep. 155
42:23
42:23
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In this episode of The Art of SBA Lending, we dive into another crucial conversation: how do we not only attract, but also train and retain the next generation of SBA professionals? From the great financial collapse to a $37 billion year in 2021, the landscape has drastically changed. Yet, the challenge remains: cultivating a workforce that is not …
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How the NAR Settlement Changes Homebuying Forever | Ep. 466
39:29
39:29
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D.O. discusses the recent National Association of Realtors (NAR) commission settlement and its effects on the real estate industry. It highlights how this change presents an opportunity for mortgage lenders to demonstrate their value and strengthen relationships with real estate agents and homebuyers.…
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How Non-QM Lending Can Double Your Closings and Impact | Ep. 465
32:22
32:22
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Discover the power of non-QM lending with industry expert James Hooper from Quantic Wholesale. Learn how portfolio lending and innovative mortgage solutions can help you overcome common lending challenges, expand your client base, and close more loans. This in-depth discussion covers unique products, common sense underwriting approaches, and strate…
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Business Acquisition Underwriting Standards feat. Brian Carlson, Kay Anderson, & Charles Rho | Ep. 154
37:03
37:03
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In this episode of The Art of SBA Lending, Ray dives deep into the evolving world of business acquisition financing. Are lenders taking on more risk than ever before? Ray kicks things off by examining how underwriting standards for business acquisitions have shifted, allowing for up to 90% financing and bringing a wave of new buyers with little-to-…
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Discover the changing landscape of mortgage servicing rights and how it's impacting loan officers. Learn about the aggressive marketing tactics of servicers, the potential shift in refi business, and strategies to stay competitive in this evolving market. D.O. shares insights on how technology and AI are changing the game and what loan officers nee…
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How the #1 Lender in America is Revolutionizing Mortgage Brokers' Success | Ep. 463
22:51
22:51
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D.O. interviews Allen Beydoun, Executive Vice President of Sales at United Wholesale Mortgage (UWM), the #1 lender in America. Discover Allen's inspiring 17-year journey, insights into UWM's success, and valuable lessons for mortgage professionals. Learn about the future of the industry, the power of technology, and how to thrive in a changing mark…
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Sourcing Deals Outside of the BDO Channel feat. Chris Hurn, Ken Rosenthal, & Mike Breckheimer | Ep. 153
45:57
45:57
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The BDO model—it’s reliable and proven, and clearly I’ve been a fan, but is the industry missing out on better alternatives? We’re getting into it on todays new episode. Join me and our Art of SBA Contributors as we break down the costs, the strengths and potential pitfalls, and alternative options for the BDO model. Should we be exploring new sale…
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Why I Left My Dream Job After 16 Years | Ep. 462
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It's time. D.O. shares his journey from a 16-year tenure at Waterstone Mortgage to his new role as SVP of Growth at Lower.com. Discover the reasons behind his career move, the exciting future of the mortgage industry, and what this means for the Loan Officer Podcast (TLOP). Learn about Lower's ambitious plans to become a top 5 lender and how you ca…
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The Happiness Secret Every Mortgage Pro Needs to Know | Ep. 461
33:56
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3x guest Steve Richman dives into the nine keys to a positive mindset. Learn how to shift your perspective, eliminate negative thoughts, and cultivate happiness in both your personal and professional life. This engaging conversation offers practical tips for mortgage professionals and beyond.By Dustin Owen
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The Rise of the Small Loan Program feat. Mike Breckheimer, Christopher Hackney, & Darren Davis | Ep. 152
39:16
39:16
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In this episode, host Ray Drew delves into the transformative changes within the SBA 7(a) Small Loan Program. With the new SOP increasing what they consider a “small loan” from $350,000 to $500,000 and streamlining processes, SBA lending has seen a renaissance in small loans. Key topics covered include: The shift in the secondary market favoring sm…
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The Ultimate Guide to Hiring and Training Your Loan Assistant | Ep. 460
44:28
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D.O. provides valuable insights on hiring an assistant for mortgage professionals. He discusses when to hire, what to look for in a candidate, and how to effectively integrate an assistant into your business - sharing personal experiences and practical tips for loan officers looking to expand their teams and increase productivity. 👉 Sign up for the…
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How to Blow Up on Social Media w/ Demeeka Cobb | Ep. 459
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43:03
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D.O. interviews Demeeka Cobb, a successful real estate agent and social media influencer. Demeeka shares her journey from project management to real estate, discussing her rapid rise on social media platforms like TikTok and Instagram. She offers valuable insights on content creation, lead generation, and building a personal brand in the real estat…
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The Impact of the 2024 Election on SBA Lending feat. Bob Coleman, Chris Hurn, & Brooke Mirenda
46:16
46:16
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Welcome back to The Art of SBA Lending podcast! A place where the most influential leaders in the SBA lending industry come together to debate, discuss, and drive our industry forward. In today's episode, host Ray Drew kicks things off, addressing the increasing impact of politics on SBA lending. From SOP changes to funding challenges, the SBA miss…
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D.O. shares his experience and insights on selling a mortgage loan officer's book of business. He discusses the process, challenges, and strategies for successfully transitioning clients to a new loan officer, using his own five-year transition plan as an example. This valuable information is crucial for mortgage professionals planning their exit s…
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Best Practices for Loan Officers: Daily to Monthly Success Habits | Ep. 457
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26:52
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D.O. reveals the "Blueprint for Success" for mortgage sales professionals. He breaks down daily, weekly, and monthly activities that top performers in the industry use to achieve success. He shares insights on meaningful conversations, theme days, lead follow-ups, and the importance of personal development. This comprehensive guide offers practical…
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Must-Read Books and Must-Watch Movies for Loan Officers | Ep. 456
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Dustin shares his favorite books, news publications, TV shows, podcasts, and movies - while offering insights into content that can help mortgage professionals improve their skills and stay informed about the industry.By Dustin Owen
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The Power of Persistence: How to Build a Successful Mortgage Career | Ep. 455
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D.O. joins Mortgage Marketing Radio’s own Geoff Zimpfer to share valuable advice for mortgage professionals navigating challenging markets. They discuss the importance of persistence, building relationships, and focusing on the basics to succeed in the industry. Tune in to hear insights on building meaningful relationships, maintaining a positive m…
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How to Stay Relevant in Mortgage Industry | Ep. 454
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D.O. delivers a powerful keynote on the future of mortgage lending at the Mastermind Summit from Las Vegas. Discover what it takes to be a modern originator in today's evolving market. From embracing technology to becoming a community expert, he shares invaluable insights on adapting to change, leveraging online networking, and creating content tha…
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Why Mortgage Lenders Are So Nosy | Ep. 453
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Ever wonder why mortgage lenders are so nosy? From trailing spouses to DJ equipment sales, discover why lenders ask for everything but your blood type. Learn how to navigate the mortgage maze without losing your sanity (or your shirt). Warning: May contain traces of dad jokes and seasoning puns.By Dustin Owen
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Why You Suck as a Loan Officer and Won't Make It | Ep. 452
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33:55
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Ever wondered why some people crash and burn in this industry faster than you can say "foreclosure"? DO spills the beans on who's cut out for this career and who should probably stick to selling lemonade. From cops to teachers, find out who makes the cut and who's better off hiding in the bathroom for two hours a day.…
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Home Equity Lending Explained: What You Need to Know in 2024 | Ep. 451
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Get familiar with the world of home equity lending as D.O. unpacks Freddie Mac's new pilot program and the pros and cons of tapping into your home's equity. Discover common reasons for using home equity loans, potential pitfalls, and how mortgage professionals can leverage these products to better serve their clients. This literally changed Dustin'…
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Mid-Year Business Planning for Mortgage Professionals | Ep. 450
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Time to discuss the importance of conducting a mid-year review. D.O. emphasizes the need for loan officers to assess their progress, update business plans, and check in with partners - while sharing strategies for overcoming procrastination and setting new goals for the second half of the year.By Dustin Owen
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You Can Wholesale Real Estate with No Money | Ep. 449
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Learn about wholesaling, creative financing strategies, and how Alex Quezada built a $50 million portfolio focusing on self-storage facilities. Discover the importance of building relationships, raising private money, and adapting to market changes. Whether you're a novice or seasoned investor, this episode offers valuable insights on scaling your …
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