Episode 566

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, is joined by Owen Lee to break down the FHFA’s recent announcement that lenders can now use the VantageScore 4.0 with Fannie and Freddie—no new infrastructure required.

Owen, who serves as Vice Chair of the MBA, unpacks what this change really means for loan officers and whether it’s a genuine effort to lower credit report costs or just a flashy move from the same credit bureaus that already control the game.

They dive into the skyrocketing cost of credit pulls, the oligarchy of the credit scoring world, and the practical challenges this update presents for pricing, mortgage insurance, and secondary market execution.

You’ll hear how VantageScore aims to help underserved borrowers—but also why it may not be the silver bullet it seems at first glance.

This episode is packed with insight, industry advocacy, and some straight talk about where credit reporting is headed and how it could impact your daily business.

Schedule a one-on-one free coaching call, click here or visit LoanOfficerStrategyCall.com.

Episode 565

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, is joined by special guest Kristin from The Marketing Animals team for a deep dive into a follow-up schedule that actually converts.

Carl takes the lead in laying out a clear, week-by-week system for following up with referred leads—sharing the exact timing, messaging, and mindset that leads to more closings and fewer missed opportunities.

Kristin brings valuable insights and perspective from the field as they unpack the difference between high-converting relationship leads and low-return online leads—and why you should never treat them the same.

You'll learn how to stay present (not pushy), avoid the emotional toll of being ghosted, and keep your referral partners in the loop so the leads keep flowing.

This is a must-listen for anyone who wants to sharpen their follow-up game and stop letting hot leads fall through the cracks.

Want the cheat sheet Carl and Kristin talk through? Just email Kristin at kristin@themarketinganimals.com and she’ll send it your way.

Schedule a one-on-one free coaching call, click here or visit LoanOfficerStrategyCall.com.

Episode 564

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, chats with Thomas Seelbinder from Model Match to reveal a powerful new tool that gives LOs deep access to borrower, agent, and LO data.

You’ll hear how this kind of insight helps you avoid wasting time on non-producing agents and target the referral partners that actually move the needle.

Thomas also unveils “Borrower Insights,” a new feature that lets you recover lost databases, reconnect with past clients, and tap into orphan loans—right down to their equity, interest rates, and contact info.

Schedule a one-on-one free coaching call, click here or visit LoanOfficerStrategyCall.com.

Episode 563

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, opens up about a game-changing habit that’s helped him quiet the late-night mind chatter and show up more focused and refreshed each day.

He walks through the exact 3-step end-of-day routine he uses to shut down his workday, sleep better, and hit the ground running the next morning.

From writing down tomorrow’s top priorities to sending one meaningful thank-you message, Carl shares simple yet powerful ways to clear mental clutter.

Tune in to hear how this quick ritual can help you lead better, think clearer, and feel more in control—even on your busiest days.

Schedule a one-on-one free coaching call, click here or visit LoanOfficerStrategyCall.com.

Episode 562

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 one of the most powerful (and often overlooked) tools top producers use to stand out—storytelling.

Carl shares the exact 5-step formula he’s used for over 20 years to turn ordinary client moments into unforgettable, trust-building stories that attract more business.

You’ll discover why stories stick while stats slide off, and how you can use this simple structure in your consults, videos, agent meetings, and follow-ups to gain more referrals.

If you’ve ever thought “I’m not a great storyteller,” Carl proves it’s not about talent—it’s about having a repeatable formula that works like magic.

Schedule a one-on-one free coaching call, click here or visit GetMoreLoans.com.

Episode 561

Welcome to Loan Officer Freedom, the #1 podcast in the country for loan officers, hosted by Carl White.

In this episode, Carl chats with Frank Garay about the growing world of fix and flip loans and how originators can tap into this niche without getting overwhelmed.

Frank breaks down exactly how these loans work, who they’re for, and how loan officers can partner with his company, Lulu Capital, to fund deals they’d usually turn away.

They also dive into qualifying questions, borrower structures, how originators get paid, and why saying “yes” to a flip deal might just keep your referral partner from wandering.

If you’ve ever turned down an investor lead because you didn’t know where to start, this episode is your shortcut to adding a powerful income stream without reinventing your business.

Schedule a one-on-one free coaching call, click here or visit LoanOfficerStrategyCall.com.

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, breaks down the one conversation skill that can instantly boost your referrals—your elevator pitch.

He shares a simple, proven 3-part formula that helps you introduce yourself with clarity, confidence, and impact—whether you're at a mixer, on a Zoom, or standing on the sidelines at a soccer game.

Carl explains why most loan officers miss the mark in their first 15 seconds—and how to turn those forgettable intros into door-opening moments.

You’ll hear real-world examples you can swipe, plus tips on tailoring your pitch for social media, referral partners, and borrower convos alike.

If you’ve ever stumbled when someone asked, “So, what do you do?”—this episode will fix that for good.

Schedule a one-on-one free coaching call, click here or visit LoanOfficerStrategyCall.com.

Episode 559

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 surprisingly powerful sales lessons—straight from his bald little housemates (yes, his hairless cats).

You'll learn why you should never assume someone’s not interested, how consistency beats brilliance, and the importance of focusing your energy on the right people.

Carl also drives home why making the ask—clearly and unapologetically—is what separates average loan officers from consistent closers.

This fun and oddly insightful episode is a reminder that charm, confidence, and persistence are all part of the sales game—so next time you need a little motivation... be the cat.

Schedule a one-on-one free coaching call, click here or visit LoanOfficerStrategyCall.com.