The Loan Officer Podcast

Dustin Owen
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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 even when it can be a struggle to get your foot in the door. While there is a lot of content geared specifically towards mortgage professionals, the majority of the episodes will resonate will all audience members. (Not just mortgage lenders!) D.O. (Dustin Owen) is the creator & host. He is a 20+ year veteran of the mortgage industry, a real estate investor, business coach and angel investor. J.C. (John Coleman) is the co-host / producer of the show. J.C. has 15+ years’ experience as an Emmy Award-Winning Content Creator & Marketer.

  1. 3 DAYS AGO

    How to Crush Your Goals by Following These 5 Lessons | Ep. 624

    In this episode of the Loan Officer Podcast, hosts Dustin Owen, Karina Mojica, and Marketing Mike (Mike Siciliano) come together to discuss five essential business lessons inspired by entrepreneur and author Dan Martell, tailored specifically for loan originators and entrepreneurs looking to elevate their careers. The trio dives deep into the importance of targeting clients who not only need your services but also have the financial capacity to say yes, emphasizing how this approach leads to more productive and profitable relationships. They also highlight the value of stacking value for clients offering additional resources, education, or support, rather than simply discounting fees or rates, which can undermine your perceived worth and long-term business sustainability. The conversation continues as they explore the significance of focusing on proven loan products that consistently generate income, rather than getting distracted by untested or trendy offerings that may not deliver results. Simplifying business operations is another key topic, with the hosts advocating for doing less but doing it better, streamlining processes, eliminating unnecessary steps, and concentrating on what truly moves the needle for your business. Finally, they caution against getting caught up in vanity metrics, such as social media likes or superficial statistics, and instead encourage listeners to track meaningful performance indicators that genuinely reflect business growth and client satisfaction. Throughout the episode, Dustin, Karina, and Mike also share their excitement for the upcoming TLOP Unite cruise event, inviting listeners to join them for networking, learning, and fun on the high seas. Additionally, they provide information about TLOP’s Originator Coaching program, designed to help loan officers and entrepreneurs achieve their professional goals through expert guidance and actionable strategies. TLOP's Originator Coaching: https://tloponline.com/mlo-coaching-program  Reserve Your Cabin For TLOP UNITE 2026: Caribbean Takeover 👉🏼 https://tloponline.com/tlop-unite-2026

    45 min

  2. 6 DAYS AGO

    From Rookie to Rockstar: Finding the Employer That Will Launch Your Loan Originator Career | Ep. 623

    In this episode of the Loan Officer Podcast, host Dustin Owen and producer Karina Mojica dive deep into two crucial questions facing the mortgage industry: how loan originators should go about selecting the right employer, and what steps employers can take to attract and retain the best talent in the business. Dustin underscores the importance for new loan originators to look beyond just compensation packages when evaluating potential employers. Instead, he advises prioritizing factors such as strong leadership, access to quality mentorship, a robust sales culture, and the benefits of an in-office presence, all of which can significantly impact long-term career growth and job satisfaction. On the employer side, Dustin highlights the necessity of clearly defining their unique value proposition and identifying the characteristics of their ideal candidate. He explains that by understanding what sets their company apart and who they are best suited to support, employers can more effectively recruit and retain high-performing originators. Throughout the episode, Dustin draws from his own experiences in the industry, sharing personal stories about what it means to outgrow a company and how to recognize when it’s time to move on for continued professional development. Additionally, Dustin and Karina discuss the critical role of networking, especially for those just starting out in the mortgage business. They offer practical advice for rookies on how to build meaningful relationships and leverage connections to accelerate their learning and success. The episode concludes with an exciting announcement and promotion for their upcoming mortgage industry cruise event, inviting listeners to join them for a unique opportunity to connect, learn, and grow alongside other professionals in the field. Loan officer looking for a new place to call home? 👉 https://specials.lower.com/tlop TLOP's Originator Coaching: https://tloponline.com/mlo-coaching-programs Reserve Your Cabin For TLOP UNITE 2026: Caribbean Takeover 👉🏼 https://tloponline.com/tlop-unite-2026

    41 min

  3. 30 APR

    Why Chasing Basis Points Could Be Killing Your Mortgage Career | Ep. 622

    In this episode of the Loan Officer Podcast, hosts Dustin Owen and John Coleman engage in an insightful discussion about why loan originators should prioritize annual income over simply focusing on compensation per transaction. They delve into the common misconception that a higher payout per loan automatically translates to greater overall earnings, and instead emphasize the importance of evaluating the bigger picture when it comes to career growth and financial success in the mortgage industry. Throughout the episode, Dustin and John break down the various trade-offs that loan officers face when choosing between employers that offer high per-loan compensation versus those that provide robust support, advanced systems, and a strong company culture. They explain how some companies may offer attractive commission splits but lack the infrastructure, technology, or team environment necessary to help originators consistently close more deals and grow their business over time. The hosts also offer tailored advice for loan officers at different stages of their careers. For those who are newer to the industry, Dustin and John strongly recommend seeking out employers that prioritize mentorship, comprehensive training, and a collaborative learning environment. They argue that the guidance and support provided in these settings can be far more valuable in the long run than a slightly higher commission rate. On the other hand, experienced originators who have already developed their skills and client base may benefit more from employers that offer greater autonomy, flexible processes, and competitive pricing advantages that can help them win more business. Ultimately, the key takeaway from the episode is that compensation plans can often be misleading if viewed in isolation. Dustin and John stress that the most successful loan officers are those who look beyond the surface numbers and choose employers based on the overall value they provide including support, resources, culture, and opportunities for growth. By focusing on total annual income and the factors that contribute to long-term success, loan originators can make more informed decisions and truly maximize their yearly earnings. TLOP's Originator Coaching: https://tloponline.com/mlo-coaching-programs/  Reserve Your Cabin For TLOP UNITE 2026: Caribbean Takeover 👉🏼 https://tloponline.com/tlop-unite-2026

    36 min

  4. 28 APR

    From Speechwriter to Mortgage Maestro: How Orlando Diaz Learned to Love Loans | Ep. 621

    In this episode of the Loan Officer Podcast, host Dustin Owen sits down with Orlando Diaz, a distinguished 30-year mortgage industry veteran, current president of the Florida Association of Mortgage Professionals (FAMP), and owner of Metro Fund brokerage. Orlando recounts his unique professional journey, beginning as a speechwriter and real estate investor before transitioning into mortgage origination. He provides an insider’s perspective on how pivotal events like the 2008 financial crash and the implementation of the Dodd-Frank Act profoundly influenced both his career trajectory and his commitment to industry advocacy. Throughout the conversation, Orlando delves into several pressing issues facing mortgage professionals today. He discusses FAMP’s ongoing efforts to challenge Florida’s stringent condo down payment requirements, which have significant implications for both buyers and lenders. The episode also explores the complexities of property tax reform and the ongoing debates surrounding originator compensation, highlighting how these topics impact the daily work of mortgage professionals and the broader real estate market. In addition to policy and advocacy, Orlando spotlights FAMP’s signature annual event: the August trade show in Orlando. He describes how this gathering has grown to become the nation’s largest independent mortgage industry event, attracting more than 2,000 attendees from across the country. The trade show serves as a vital platform for networking, professional development, and staying informed about the latest trends and regulatory changes in the mortgage industry. Orlando’s insights offer valuable guidance for both seasoned professionals and newcomers navigating the evolving landscape of mortgage lending.   Loan officer looking for a new place to call home? 👉 https://specials.lower.com/tlop TLOP's Originator Coaching: https://tloponline.com/mlo-coaching-programs/ Reserve Your Cabin For TLOP UNITE 2026: Caribbean Takeover 👉🏼 https://tloponline.com/tlop-unite-2026

    45 min
  5. The Most Effective Blueprint for Making $1 Million Annually as a Mortgage Broker | Ep. 26

    24 APR

    The Most Effective Blueprint for Making $1 Million Annually as a Mortgage Broker | Ep. 26

    In this episode, Dustin Owen takes a deep dive into how mortgage loan originators can strategically build a million dollar career by embracing discipline, consistency, and adopting a true business owner mindset. He begins by outlining the foundational principles that separate top producers from the rest, emphasizing the need for unwavering commitment to daily routines and a relentless pursuit of excellence. Dustin shares actionable strategies, such as developing deep, mutually beneficial referral relationships with 25 to 30 strong partners including real estate agents, financial advisors, and other industry professionals who can consistently send quality business your way. He further explains the importance of establishing a clear and recognizable market identity, encouraging originators to define what sets them apart and to communicate that value proposition effectively. Dustin highlights the power of leveraging content whether through social media, educational seminars, or community events to build trust and credibility within your target audience. He also discusses the art of storytelling, teaching listeners how to use real life examples and client success stories to connect on a deeper level and make their message memorable. Throughout the episode, Dustin underscores the necessity of continuous learning, staying up to date with industry trends, and investing in personal and professional development. He reminds listeners that protecting your reputation is paramount, as trust and integrity are the cornerstones of long term success in the mortgage business. Dustin stresses that true achievement is the result of multiplication leveraging relationships, implementing efficient systems, and increasing your visibility over time rather than seeking quick fixes or shortcuts. The episode wraps up with a practical, step by step action plan designed to help originators implement these strategies immediately. Dustin encourages listeners to take ownership of their growth and invites them to explore further coaching and resources available at tloponline.com, offering support for those ready to elevate their business to the next level.   TLOP's Originator Coaching: https://tloponline.com/mlo-coaching-programs/

    20 min

  6. 23 APR

    From $40 Million to $1 Billion: The Mortgage Empire Playbook Revealed | Ep. 620

    In this episode of the Loan Officer Podcast, host Dustin Owen and Marketing Mike dive deep into the journey of building a $1 billion mortgage production division from the ground up. Dustin provides a detailed breakdown of the foundational strategies that fueled their success, emphasizing the importance of establishing unified systems and standardized operating procedures (SOPs) to ensure consistency and scalability across the organization. He discusses their commitment to developing talent internally, spotlighting their Launch Bootcamp program, which is designed to train and mentor new loan officers, equipping them with the skills and knowledge needed to thrive in a competitive market. The conversation also explores how they successfully replicated their business model across multiple markets, adapting to local nuances while maintaining core principles. Dustin contrasts their approach with alternative models, such as Texas-based Wally’s high-bar strategy, which focuses on recruiting only the most experienced originators and setting rigorous performance standards from the outset. Throughout the episode, Dustin and Mike share actionable insights for loan officers at all stages of their careers. They stress the value of consistency in daily activities, maintaining professionalism in every client interaction, and the critical role of strong local leadership in driving branch performance. The episode wraps up with a reminder about the importance of community and networking, as they promote their upcoming TLOP UNITE Caribbean Takeover event, inviting listeners to connect, learn, and celebrate their shared successes in the mortgage industry.   Reserve Your Cabin For TLOP UNITE 2026: Caribbean Takeover -> https://tloponline.com/tlop-unite-2026

    44 min

  7. 20 APR

    A Guide to Non-QM Lending for Foreign Nationals, ITIN Holders, and Visa Borrowers | Ep. 619

    In this episode of the Loan Officer Podcast, host Dustin Owen sits down with Mike Pearson from AD Mortgage to explore a range of lending opportunities specifically designed for non-U.S. citizens. During their conversation, Mike provides an in-depth breakdown of three key loan types that are available to this unique and often underserved segment of borrowers: foreign national loans, ITIN loans, and non-QM loans for visa holders. Mike takes the time to explain the specific documentation requirements for each loan category, including what types of identification, proof of income, and residency status are needed to qualify. He also discusses typical down payment expectations, highlighting how these may differ from conventional loans, and outlines the loan-to-value (LTV) guidelines that borrowers and loan officers should keep in mind. Throughout the episode, the conversation emphasizes the important point that legally present borrowers who may not meet the criteria for conventional financing still have a variety of viable mortgage options available to them through AD Mortgage. Mike shares practical advice and real-world examples to illustrate how these loan products can help non-U.S. citizens achieve homeownership or invest in real estate within the United States. Additionally, Mike encourages loan officers and realtors to proactively embrace this growing and often overlooked market segment, rather than turning away clients simply because they do not fit the traditional borrower profile. By understanding and utilizing these specialized loan programs, industry professionals can better serve their communities, expand their business, and help more clients realize their dreams of homeownership.   Loan officer looking for a new place to call home? 👉 https://specials.lower.com/tlop TLOP's Originator Coaching: https://tloponline.com/mlo-coaching-programs/ Reserve Your Cabin For TLOP UNITE 2026: Caribbean Takeover 👉🏼 https://tloponline.com/tlop-unite-2026

    47 min
  8. Budget Like a Boss: Master Your Money Before It Masters You | Ep. 25

    18 APR

    Budget Like a Boss: Master Your Money Before It Masters You | Ep. 25

    In this episode of The Do Show, host Dustin Owen takes a deep dive into the concept of budgeting, reframing it as a powerful tool for achieving financial freedom rather than a set of restrictive rules. Speaking directly to commission-based workers and business owners—individuals whose incomes often fluctuate—Dustin breaks down the budgeting process into seven actionable and practical steps designed to foster financial stability and peace of mind. First, he stresses the importance of truly knowing your real monthly expenses, encouraging listeners to track every bill, subscription, and recurring cost to gain a clear picture of their financial obligations. Next, he advises building your budget around your lowest consistent income, rather than your best months, to ensure you can always cover your essentials, even during lean periods. Dustin then highlights the necessity of separating needs from wants, urging listeners to prioritize essentials and delay gratification on non-essentials until their financial foundation is secure. He goes on to explain the value of creating financial margin before expanding your lifestyle, suggesting that any increase in income should first be used to build savings or pay down debt, rather than immediately upgrading your standard of living. Assigning every dollar a purpose is another key step, with Dustin recommending the use of zero-based budgeting to ensure that all income is allocated intentionally, whether toward bills, savings, investments, or discretionary spending. Reviewing your budget weekly is also emphasized as a critical habit, allowing for regular adjustments and keeping spending in check. Finally, Dustin discusses the importance of learning to say no—to both yourself and others—when a purchase or expense doesn’t align with your financial goals. Throughout the episode, Dustin underscores the idea that most financial struggles are the result of poor money management rather than a lack of income. He passionately argues that disciplined budgeting is not about deprivation, but about empowering yourself to make better decisions, reduce stress, and build long-term financial stability. By following these seven steps, listeners can take control of their finances, weather income fluctuations, and ultimately achieve greater freedom and security in both their personal and professional lives.

    12 min
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About

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 even when it can be a struggle to get your foot in the door. While there is a lot of content geared specifically towards mortgage professionals, the majority of the episodes will resonate will all audience members. (Not just mortgage lenders!) D.O. (Dustin Owen) is the creator & host. He is a 20+ year veteran of the mortgage industry, a real estate investor, business coach and angel investor. J.C. (John Coleman) is the co-host / producer of the show. J.C. has 15+ years’ experience as an Emmy Award-Winning Content Creator & Marketer.

Information

  • Creator
    Dustin Owen
  • Years Active
    2020 - 2026
  • Episodes
    648
  • Rating
    Explicit
  • Copyright
    © Copyright 2020 All rights reserved.
  • Show Website
    The Loan Officer Podcast

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