Laugh, Lend and Eat Fobby Naghmi

The Laugh, Lend, and Eat crew brings together some of the most vibrant voices in the mortgage industry. Fobby is joined by his co-hosts, Madison Keenan and Delilah Ramos. They reminisce about the journey, share candid stories, and dive into the heart of the mortgage business with their signature humor and insight.




A Fun Start: The episode kicks off with light-hearted banter, setting the tone for an engaging discussion. The team doesn't shy away from poking fun at themselves, ensuring listeners are hooked from the get-go.


Guest Highlights: For the first time, two of the ladies from the iconic intro bumper are together—Madison "Bunny Ears" Keenan and Delilah Ramos. Their chemistry and camaraderie are palpable, adding a dynamic layer to the conversation.


Madison’s Memorable Moments: Madison recalls her first encounters on the podcast and how her journey from a partner assistant to a loan originator has been intertwined with her podcasting adventures. She reflects on her growth and the industry's evolving landscape.


Delilah’s Taco Love: Delilah shares her experience with Taco Tuesday and the broader impact of her brand, Voces Latino. Her stories about defending her taco preferences and the regional taco debates add a delightful twist to the episode.


Industry Insights: The conversation transitions into serious topics, including the significance of representation in the mortgage industry. Delilah and Madison discuss the importance of diverse voices and perspectives in shaping the future of the industry.


The Power of Podcasting: Fobby, Madison, and Delilah emphasize how podcasting has been a powerful tool for them, not just for sharing knowledge but also for building connections and challenging industry norms. They explore the balance between entertainment and delivering genuine, impactful content.


Upcoming Milestones: As they approach the 100th episode, the team teases exciting plans and potential guest hosts. The anticipation for the next milestone is palpable, promising more engaging content and deeper dives into the mortgage world.


Audience Interaction: The episode concludes with a nod to their listeners, acknowledging the support and feedback that has fueled their journey. They encourage continued interaction, inviting fans to share their favorite moments and topics they’d like to see covered in future episodes.



Highlights: Notable Quotes:




"Laugh, Lend, and Eat is not just a podcast; it's a community where we share, learn, and grow together." - Fobby


"Tacos are not just food; they're a lifestyle. And yes, New Jersey has some decent tacos, too!" - Delilah Ramos


"The journey from being new in the industry to finding my voice on this podcast has been incredible." - Madison Keenan

In this episode of Laugh, Lend, and Eat Voces Latina, titled "The Unknown and Uncomfortable: Keys to Growth," Fobby and Dalila Ramos dive into the vibrant world of Latin music, the best tacos, and the challenges of recruiting in the mortgage industry. They discuss the frustrating phenomenon of ghosting (when someone makes an appointment and then never connects again), exploring the psychological reasons behind it and how it reflects on a candidate's reliability. With a blend of serious insights and light-hearted trivia, this episode offers valuable lessons on communication, personal growth, and cultural appreciation. Tune in for an engaging conversation that spans from cigars to tacos and everything in between.



Notable Quotes:


"Recruiting is like dating. How you treat me before I become your girlfriend speaks a lot." - Dalila Ramos
"The unknown is always gonna have you uncomfortable. And when you're uncomfortable, you grow." - Dalila Ramos
"If loving a taco is wrong, I don't want to be right." - Fobby

In this episode of Laugh, Lend, and Eat, host Fobby Naghmi is joined by Jeff Kane and Jason Smathers to debunk some mortgage industry myths about brokers are better. Dive deep with us as we uncover the truths behind these common misconceptions and provide valuable insights for borrowers, loan officers, and anyone curious about the two different worlds of mortgages.

Key Topics Discussed:


Myth: Brokers Always Get the Best Rates


Reality: Brokers don't always secure the best rates. We discussed the actual rates that some brokers offer and explained why the "broker advantage" might not be as significant as you think.



Myth: Switching Lenders Guarantees a Better Deal


Reality: Moving a denied loan to a new lender doesn't automatically improve approval chances. Learn why appealing to your current lender can often be more effective.


Myth: Broker Flexibility Trumps All

Reality: While the flexibility of switching wholesale lenders may sound appealing, consistent support and established relationships with your underwriter can offer borrowers more stability and better outcomes.



Why Listen:
Get firsthand experiences from industry experts, learn what matters when choosing between brokers and lenders, and gain insights that could change your perspective on the mortgage process.

Listen On:
Available now on all major podcast platforms.

Hashtags:
#MortgageMyths #LaughLetItEat #Podcast



Tune in and get the facts straight from the experts!

In this episode of "Laugh, Lend & Eat," hosts Fobby Naghmi and Madison Keenan tackle the pressing issues facing the mortgage industry. From fluctuating interest rates to shrinking inventories, this episode provides an insightful and candid look at the current state of the market.

Join Fobby and Madison as they share their experiences and perspectives, navigating the complexities of the mortgage world with a mix of seriousness and humor.


Market Frustration: Madison's frustration with high-interest squeezes margins, affecting rates and low housing inventory echoes throughout the episode. This theme reflects the current challenges facing mortgage professionals and borrowers alike, highlighting the importance of resilience and adaptability.


Consumer Behavior: The discussion highlights how rapidly changing interest rates impact borrowers, complicating their decisions and the approval process. This dynamic underscores the need for mortgage professionals to stay agile and ready to address client concerns.


Competition and Compensation: Both Fobby and Madison delve into how competition among mortgage lenders is squeezing margins, affecting both client outcomes and loan officers' earnings. This balance between competitive rates and fair compensation is crucial for industry professionals.


Market Resilience: Despite current challenges, the hosts emphasize the importance of recalibrating expectations and finding new opportunities. They encourage listeners to stay optimistic and recognize the potential for success in today's market.


Lighthearted Moments: The conversation includes lighthearted moments, reflecting on the show's slogan, food, travel, and daily life. This balance between industry insights and personal anecdotes gives the show a unique flavor and offers relatable perspectives for listeners.




Fobby Naghmi:


LinkedIn: https://www.linkedin.com/in/fobby/
Twitter: [insert Twitter handle]
Podcast: www.LaughLendandEat.com



We hope you enjoy this episode of "Laugh, Lend & Eat," and we look forward to your feedback. Stay tuned for future episodes in which Fobby and Madison continue exploring the ever-changing mortgage industry with their unique blend of insights and humor.

In this episode of Laugh, Lend, and Eat with Madness, hosts Fobby Naghmi and Madison Keenan welcome Julia Nilsen, a certified divorce coach and former attorney, to share her unique journey from the legal field to empowering others through divorce coaching.

Dive into Julia's personal story of navigating a complex divorce and how it propelled her to advocate for financial literacy and legal awareness in marriages.

What You'll Learn:


The Role of a Divorce Coach: Understand the vital support a coach offers in the maze of legal and financial decisions during a divorce.
Financial Awareness in Marriage: Insights into why being informed about finances and legal documents is crucial for marital stability and self-sufficiency.
Dealing with High-Conflict Personalities: Strategies for managing relationships with high-conflict individuals during stressful transitions.
Empowerment Through Education: Discover the benefits of educational programs like Second Saturday and how they can prepare individuals for the complexities of divorce.
The Importance of Effective Legal Representation: Learn from Julia’s experiences about the impact of having the right—or wrong—legal support.

Featured Moments:


[05:12] - Julia's Transition: Julia discusses her shift from practicing law to becoming a divorce coach after her own challenging divorce.
[18:45] - Financial Autonomy: The critical need for financial knowledge within marriages to prevent potential disadvantages in divorce proceedings.
[33:30] - High-Conflict Divorces: Julia shares techniques for handling divorces involving partners with high-conflict personalities.
[49:15] - Community Support: The role of community support programs and how they assist women in understanding their rights and preparing for divorce.
[1:02:20] - Choosing the Right Lawyer: Advice on selecting an attorney who aligns with your needs and how to change legal representation if necessary effectively.

Connect with Julia:
Follow Julia on TikTok (@JuliaLiveWell) and Instagram for more insights and support. Join her on this journey of turning personal challenges into a mission to help others navigate one of life's most difficult transitions.

Episode Summary:
In this vibrant episode of Voces Latina, Fobby and Dalila Ramos of Love and Tacos Media discuss the cultural dynamics within the mortgage industry, everything from industry events to the impact of technology on diverse communities.

Key highlights include a lively discussion on the ICE Technology conference, the role of DEI (Diversity, Equity, and Inclusion) in mortgage technology, and the importance of language and cultural representation in mortgage services.



Key Topics Covered:


Industry Events: Reflections on recent conferences, including St. Paddy’s Day in Chicago and the ICE Technology conference in Las Vegas.
Cultural Representation: The need for greater diversity in tech and mortgage sectors, particularly for Spanish-speaking professionals and women of color.
Technology and Diversity: Discussion on how mortgage technology can better serve diverse populations, including the potential for multilingual loan processing systems.
Community and Culture: Insights into the cultural nuances that influence the mortgage industry, including the importance of understanding and catering to diverse communities.
Legal and Compliance Issues: This section explores compliance challenges in multilingual documentation and the impact of appraisal bias on homeownership.

Memorable Quotes:


"You don't have to drink, but the green beer is flowing the whole weekend." – Dalila on St. Paddy's Day in Chicago.
"It's not just about technology; it's about understanding the borrower's cultural background." – Dalila on the importance of diversity in tech.
"Language is a huge bridge to homeownership." – Fobby on the necessity of inclusive communication.

Recommended Actions:


For Industry Professionals: Consider attending diverse industry events and incorporating more inclusive practices in your business strategies.
For Consumers: Seek out lenders and services that understand and respect your cultural needs.

Connect with Us:


Fobby on LinkedIn: Click Here
Dalila Ramos at Love and Tacos Media: Visit Love and Tacos Media

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#Mortgage Industry, #Cultural Diversity, #Tech #Conferences, #VocesLatina, #Bilingual #Mortgage #DEI, #Homeownership #Challenges