Mortgage Loan Officer Podcast

Frank Garay

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.

  1. 6d ago

    Jen Biederman of Learn2Lend

    Episode 195 In this episode, I sit down with Jen Biederman, of Learn2Lend, a training company built specifically for the mortgage industry. Learn2Lend helps residential mortgage companies, branch managers, and team leaders get new loan officers and loan officer assistants up to speed on the actual day-to-day job of being a loan originator. This is not licensing prep. It is not a deep dive into laws, regulations, or exam material. It is practical, real-world training focused on the nuts and bolts of working in mortgage lending. Jen and I discuss how mortgage companies can use Learn2Lend as a structured onboarding tool for new hires, giving them a solid foundation before they are thrown into the fast-moving world of borrowers, files, guidelines, documentation, and loan conversations. The program is designed to help new loan officers and LOAs understand the business, learn the daily responsibilities of the role, and gain confidence with the core knowledge needed to support borrowers and lending teams. Upon completion, participants receive a certificate, making it a valuable addition to a company's internal training and onboarding process. For any mortgage company, branch manager, or team leader hiring new talent, Learn2Lend offers a smart way to shorten the learning curve and give new team members a stronger start. Learn more at https://learn2lend.com Looking for Construction, Fix & Flip, Bridge, DSCR / Portfolio, or Multifamily financing for your clients? Partner with Lulu Capital Inc. for fast, dependable funding solutions. Get a quick quote here: https://www.lulucapitalinc.com/brokers Powered by: Mortgage Marketing Animals

    21 min

  2. May 21

    Catching Up With Todd Bitter - Nexa Lending

    Episode 194 In this episode, Frank Garay catches up with Todd Bitter, National Director of Sales at NEXA Lending, for an honest conversation about career transitions, broker growth, AI, and the fundamentals that still drive success in the mortgage business. Todd shares why, after more than 30 years in loan origination, he made the decision in mid-2022 to stop originating loans and move into a leadership, coaching, and business development role. He also discusses what brought him to NEXA Lending, how the company has evolved, and why larger platforms are becoming more attractive to small broker shops trying to keep up with technology, AI, and operational demands. Frank and Todd also dig into the real-world challenges brokers and loan officers are facing today, including the pressure to adopt AI, the need for stronger systems, and the danger of ignoring the basic business habits that still matter most. Todd breaks down his structured weekly routine for loan officers, including: Monday: Realtor outreach Tuesday: Status updates Wednesday: Database management Thursday: Pre-approval follow-up Friday: VIP and relationship outreach He also explains why effective calendar management, fast communication, consistent prospecting, and database maintenance are still non-negotiables for mortgage professionals who want to grow. Whether you're a mortgage broker, loan officer, branch manager, or industry professional trying to navigate today's changing lending environment, this episode is packed with practical insight from someone who has built production, coached producers, and seen the business from multiple angles. #MortgagePodcast #MortgageBroker #LoanOfficer #NEXALending #ToddBitter #FrankGaray #MortgageIndustry #MortgageMarketing #MortgageCoaching #AIInMortgage #BrokerBusiness #LoanOfficerTips

    22 min

  3. May 7

    The FSBO Strategy Most Loan Officers Are Missing (And It's Free)

    Episode 193 In this episode, I sit down with Kevin Bilberry, the founder of Jenny Jenny AI, to take a deep dive into one of the most interesting tools I've seen for mortgage loan officers: a free For Sale By Owner platform built specifically for LOs. Kevin shares his own story of how he got started as a loan officer by focusing on For Sale By Owner opportunities — and how that strategy helped him become wildly successful. From there, we walk through the Jenny Jenny AI FSBO product in detail, including how loan officers can use it to identify FSBO sellers, promote directly to them, and deploy a powerful system that creates real value for both the seller and the loan officer. This is not just another tech tool. It is a practical business development platform that gives loan officers a smart way to connect with sellers, create listing exposure, build relationships, and uncover financing opportunities in a market most LOs are overlooking. The best part? It is free for loan officers to join. If you are a loan officer looking for a new way to generate conversations, create value, and stand out in your local market, this is something you need to see. Learn more about Jenny Jenny AI's FSBO platform for loan officers here: https://jennyjenny.ai/fsbo-lo In this episode, we cover: How Kevin Bilberry built success as a loan officer working For Sale By Owners Why FSBO sellers are such a powerful opportunity for mortgage professionals How Jenny Jenny AI helps loan officers identify and market to FSBOs How LOs can deploy the platform for free The benefits for sellers, buyers, and loan officers Why this product could become a serious business development advantage This is a remarkable product and a conversation every forward-thinking loan officer should pay attention to. Looking for Construction, Fix & Flip, Bridge, DSCR / Portfolio, or Multifamily financing for your clients? Partner with Lulu Capital Inc. for fast, dependable funding solutions. Get a quick quote here: https://www.lulucapitalinc.com/brokers Powered by: Mortgage Marketing Animals

    1h 2m

  4. Apr 2

    Advocacy in Action: Better Together!

    Episode 192 In this episode, I sit down with Ginger Bell, Growth Officer for the National Association of Mortgage Brokers, for a conversation every mortgage professional should hear. We talk about how NAMB is doing far more than advocacy on Capitol Hill. The association is creating real value for its members through industry support, benefits, education, and a stronger voice for mortgage professionals across the country. We also break down why now is a great time to get involved. NAMB membership is normally just $150 per year, but listeners can join for only $99 using the code LOBC. On top of that, Ginger shares details about the upcoming Advocacy in Action event on April 21, 2026, where for just $99, attendees can travel to Washington, D.C., meet with lawmakers, step inside the Capitol, and directly advocate for the issues that matter most to the mortgage business. If you've ever wanted to have a bigger impact in this industry, this is one of the most powerful ways to do it. This episode is a great reminder that getting involved is not only good for your business, it is good for the future of the mortgage profession. For more information on membership, benefits, advocacy, and the upcoming event, visit NAMB.org: https://namb.org/ Looking for Construction, Fix & Flip, Bridge, DSCR / Portfolio, or Multifamily financing for your clients? Partner with Lulu Capital Inc. for fast, dependable funding solutions. Get a quick quote here: https://www.lulucapitalinc.com/brokers Powered by: Mortgage Marketing Animals

    16 min

  5. Mar 26

    Builder, Investor Bundle

    Episode 191 In this episode, Frank sits down with Kevin to break down how loan officers can win more business by targeting two major segments of the housing market: builders and investors. Kevin shares hard-earned insights from his deep experience in the builder space, including how loan officers can better understand builder operations, offer competitive construction financing, and build strong relationships with small to mid-sized builders. The conversation also dives into the investor side of the business, with practical strategies for approaching different investor profiles such as buy-and-hold landlords, fix-and-flip operators, and commercial real estate investors. Kevin also introduces the Builder, Investor Bundle, a training resource created to help loan officers develop the tools, knowledge, and confidence to pursue these opportunities more effectively. Frank strongly recommends it for anyone looking to expand their reach and grow their business in a smarter, more strategic way. Learn more here: Builder, Investor Bundle: BuilderInvestorBundle.com Profit Driven Plan: ProfitDrivenPlan.com Looking for Construction, Fix & Flip, Bridge, DSCR / Portfolio, or Multifamily financing for your clients? Partner with Lulu Capital Inc. for fast, dependable funding solutions. Get a quick quote here: https://www.lulucapitalinc.com/brokers Powered by: Mortgage Marketing Animals

    18 min

  6. Mar 26

    9 Points Now Available with ARF!

    Episode 190 Most loan officers are sitting on deals they don't even realize they have. In this episode, I sat down with Megan Pavone from ARF Financial to unpack a massive opportunity hiding in plain sight: business-purpose lending for your self-employed clients. Here's the reality—clients who don't fit traditional lending boxes still need capital. And instead of turning them away, you can now turn those conversations into real revenue. Megan breaks down how ARF's unsecured business loan program works, including: Competitive options for self-employed borrowers A comp structure paying 8 points (4 upfront + 4 over 12 months) Special 9-point opportunities for HVAC, electrical, plumbing, and loans over $250K But here's the best part… You don't need to become a business loan expert. You simply refer the client, Megan and her team handle everything, and you still participate in the upside. Clean, simple, and scalable. If you've ever said, "I had to pass on that deal," this episode might change that permanently. Start referring opportunities here: http://workwitharf.com Listen in and learn how to unlock a whole new income stream from the clients you're already talking to. Looking for Construction, Fix & Flip, Bridge, DSCR / Portfolio, or Multifamily financing for your clients? Partner with Lulu Capital Inc. for fast, dependable funding solutions. Get a quick quote here: https://www.lulucapitalinc.com/brokers Powered by: Mortgage Marketing Animals

    11 min

  7. Mar 19

    The Loan Officer's Bible to Deploying AI Into Their Business

    If you're a loan officer trying to figure out how AI actually fits into your business (without all the hype and confusion), this episode is a must-listen. I sat down with Chris Johnstone to break down his brand-new book—currently available for pre-order at www.LOaiBook.com —and honestly, this isn't just another "AI book." This is shaping up to be the playbook for loan officers who want to work smarter, move faster, and stay competitive in a rapidly changing market. What makes it different? This isn't about trends—it's about evergreen principles. Chris walks through how to actually deploy AI in your day-to-day workflow, with practical prompting strategies that aren't going out of style anytime soon. And here's where it gets even better… When you grab the book (which is incredibly affordable—expected to be under $10), you also get access to an ongoing membership platform: ·        Weekly live classes every Friday ·        Full access to all recorded trainings ·        Continuous updates so you're never behind on what's working In other words, it's not just a book—it's a living, breathing system to help you stay sharp. If you're serious about leveling up your production and future-proofing your business, this is a no-brainer. Pre-order your copy now at www.LOaiBook.com Tune into the episode to hear Chris break it all down.

    21 min

  8. Mar 12

    3 Social Media Strategies Loan Officers Need in 2026

    In this episode of the Mortgage Loan Officer Podcast, Frank Garay sits down with social media marketing expert Chelsea Gardner, founder of Fully Aligned Marketing, to break down how loan officers should be using social media in 2026. Chelsea shares the three biggest opportunities most originators are missing when it comes to building influence and generating referrals online. Instead of chasing trends or posting random content, Chelsea explains how loan officers can build a recognizable personal brand, attract referral partners, and turn social media into a consistent lead source. Frank and Chelsea discuss: • Why loan officers should build a personal brand around their real-life interests and hobbies • How targeted ads to real estate agents can create referral opportunities • The importance of video content that blends personal and professional messaging • How Chelsea helps loan officers develop a social media strategy that actually converts Chelsea also explains her process at Fully Aligned Marketing, where she helps mortgage professionals develop content, manage social media, and run targeted campaigns that attract the right audience. If you're a loan officer looking to grow your visibility, build relationships, and generate business through social media, this episode is packed with actionable insights. Learn more about Chelsea Gardner: 🌐 https://fullyalignedmarketing.com

    12 min
See All (100)

4.5
out of 5
25 Ratings

About

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.

Information

  • Creator
    Frank Garay
  • Years Active
    2022 - 2026
  • Episodes
    100
  • Rating
    Clean
  • Copyright
    © (c) Mortgage Marketing Animals
  • Show Website
    Mortgage Loan Officer Podcast

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