The 360 Experience

Tim Braheem

The 360 Experience Podcast is for Loan Officers and Mortgage Professionals. If you've ever wondered what it takes to be BOTH successful in business and happy in life, this podcast is for you. Tim Braheem, Hall of Fame Loan Originator, Entrepreneur, Public Speaker, and Spiritual Executive Business & Life Coach explores THIS and SO much more.. TURN ON & TUNE IN with The 360 Experience as Tim brings to you Fascinating Conversations with Interesting People.

  1. Stop Getting Shopped: Why Justin Padron Never Loses Refi Opportunities When Rates Move

    17H AGO

    Stop Getting Shopped: Why Justin Padron Never Loses Refi Opportunities When Rates Move

    In today’s market, loan officers aren’t losing deals because they don’t work hard. They’re losing deals because they’re still being positioned like rate quote providers instead of trusted advisors. And when rates move, many are getting crushed by chaos; overbooked calendars, endless “quick questions,” and missed opportunities that should have turned into momentum. In this episode of The 360 Experience Podcast, Tim Braheem sits down with Justin Padron, one of the top-producing mortgage advisors at NEO Home Loans. Justin is on pace to fund roughly 140 loans and $70M+ in volume this year, with the majority of his business coming from purchase transactions in a tough market…and he’s doing it without competing on rate. Top Takeaways for Loan Officers: 1️⃣ How leading with education, strategy, and clear guidance (before numbers) reframes you from a commodity into an advisor buyers trust to help them make confident financial decisions, even in a high-rate environment. 2️⃣ How to set a client-chosen strike rate during a post-closing consult and actively monitor it, allowing you to create a predictable refi pipeline that produces volume when rates move without relying on luck or last-minute scrambling. 3️⃣ Tips for proactively explaining exactly what happens when the strike rate hits (who contacts them, what documents are needed, and when to move forward) to dramatically reduce unnecessary calls while increasing execution speed. 4️⃣ Why the “three outcomes” framework (rates go up, stay flat, or go down) combined with tools like no-cost refinances and lender-subsidized 2-1 buydowns gives buyers a clear path forward in every scenario. 5️⃣ Justin’s consultative presentation process that helps Realtors close buyers they’ve been stuck with for months, positioning you as the partner who makes agents more money. If you’re tired of being compared to credit unions, overwhelmed when opportunity finally shows up, or feeling like you’re working harder than ever for the same results, this conversation will give you a clear blueprint to level up your conversion, your confidence, and your income. _________________________________________________________________ ABOUT TIM BRAHEEM With more than 25 years of experience as a highly successful mortgage professional, industry leader, educator, and life coach, Tim Braheem is committed to engaging with people on a deep level and helping them uncover the barriers they have placed in the way of having the level of success they deserve in both their business and personal lives. FOLLOW Instagram ► https://www.instagram.com/tbraheem/ LinkedIn ► https://www.linkedin.com/in/timbraheem THE LOAN ATLAS JOIN ► https://go.theloanatlas.com/membership FOLLOW Instagram ► https://www.instagram.com/theloanatlas/ YOUTUBE ► https://www.youtube.com/@LoanAtlas ----------

    1 hr
  2. The Business Planning Mistakes That Keep Loan Officers Broke and Exhausted

    JAN 22

    The Business Planning Mistakes That Keep Loan Officers Broke and Exhausted

    You walk out of a conference (or finish a webinar) with pages of notes and a head full of ideas… and for about 48 hours, you’re fired up. Then Monday hits. A deal blows up. A Realtor needs something “right now.” Underwriting asks for one more thing. Your phone never stops buzzing. And the strategy you promised yourself you’d finally implement (your CRM, referral follow-up, content, process) gets pushed to the side again. In this episode of The 360 Experience Podcast, Loan Atlas founder Tim Braheem steps into the guest seat for a direct, unscripted conversation about the real reason most mortgage professionals stay stuck: planning without execution, and execution without a plan. With more than 30 years in the mortgage industry, experience as a top-producing originator, and over 15 years coaching elite producers, Tim knows exactly how the best originators actually create momentum…and what keeps most from reaching the next level. Top Takeaways for Loan Officers: 1️⃣ How to design a simple business plan that actually gets implemented (why 1–3 goals beats 12 every time) 2️⃣ How to stop abandoning personal and professional goals halfway through by mapping clear, realistic action steps before you commit 3️⃣ How to carve out sacred “on-the-business” time that compounds into higher income, better systems, and less burnout This is the framework Tim has taught to high-performing loan officers who’ve built scalable businesses and lives they enjoy. If you’ve been working hard but feeling scattered, reactive, or frustrated by unfinished initiatives, this episode will help you slow down, get clear, and start executing with confidence again. ABOUT TIM BRAHEEM With more than 25 years of experience as a highly successful mortgage professional, industry leader, educator, and life coach, Tim Braheem is committed to engaging with people on a deep level and helping them uncover the barriers they have placed in the way of having the level of success they deserve in both their business and personal lives. FOLLOW Instagram ► https://www.instagram.com/tbraheem/ LinkedIn ► https://www.linkedin.com/in/timbraheem THE LOAN ATLAS JOIN ► https://go.theloanatlas.com/membership FOLLOW Instagram ► https://www.instagram.com/theloanatlas/ YOUTUBE ► https://www.youtube.com/@LoanAtlas ----------

    41 min
  3. Barry Habib: Fear, Faith, and the Future of the Mortgage Market

    JAN 8

    Barry Habib: Fear, Faith, and the Future of the Mortgage Market

    When the market gets tough, most originators feel pressure. But Barry Habib knows what it means to face something far bigger than a tough market — and still show up with strength, clarity, and optimism. In this episode of The 360 Experience podcast, Barry joins Tim to talk about the mindset that carried him through his recent cancer battle…and how those same principles apply to the way we operate as mortgage professionals today. They also dive into his outlook for rates, inflation, and why he believes 2026 could be a very prosperous year for prepared originators. Top Takeaways for Loan Officers: 1️⃣ How Barry stayed mentally strong through the darkest moments of his cancer battle — and how that same inner strength applies to your business and your production 2️⃣ Why some loan officers really struggled in 2025 while others quietly built one of the best years of their careers 3️⃣ Barry’s outlook for 2026 — rates, refis, MI opportunities, and the return of movement in the housing market This episode is a reminder that our work as loan officers isn’t just about production or pipelines, but about how we show up when things get difficult…for our clients, our families, and ourselves. ABOUT TIM BRAHEEM With more than 25 years of experience as a highly successful mortgage professional, industry leader, educator, and life coach, Tim Braheem is committed to engaging with people on a deep level and helping them uncover the barriers they have placed in the way of having the level of success they deserve in both their business and personal lives. FOLLOW Instagram ► https://www.instagram.com/tbraheem/ LinkedIn ► https://www.linkedin.com/in/timbraheem THE LOAN ATLAS JOIN ► https://go.theloanatlas.com/membership FOLLOW Instagram ► https://www.instagram.com/theloanatlas/ YOUTUBE ► https://www.youtube.com/@LoanAtlas ----------

    51 min
  4. How a 24-Year Navy Vet Built a $200M Mortgage Business (w/Larry Gonzales)

    12/11/2025

    How a 24-Year Navy Vet Built a $200M Mortgage Business (w/Larry Gonzales)

    Starting a mortgage career is hard enough. Starting in your late 40s—with no industry background—and still becoming a $100M producer by year three? That’s the story of Larry Gonzales, and it’s one every loan officer who wants to grow their mortgage business should hear. This episode breaks down the mindset, networking strategies, and niche loan products that helped Larry win in one of the most competitive real estate markets in the country. Larry isn’t doing it with magic leads or gimmicks. He’s doing it with old-school fundamentals and ruthless consistency updated for the modern market. You’ll hear how he went from “brand new LO nobody knew” to the VA and Non-QM go-to on Oahu, the “digital mayor” of his market, and a relentlessly disciplined operator who’s built a life and business that actually feel good to live in. Top Takeaways for Loan Officers: 1️⃣ How Larry hired support early, stopped processing his own loans, and focused his time on what actually moves the needle: shaking hands, kissing babies, status calls to listing agents, and being seen in the community—online and offline. 2️⃣ The exact rhythm for weekly content: market updates, MBS Highway data, local Board of Realtors stats, and short educational reels. Plus, how to hire a VA team that repurposes one 15–20 minute video into a week’s worth of social content and newsletter touchpoints. 3️⃣ The 4:00 AM routine, journaling, gratitude, and planning rituals that keep top producers sharp, and how Larry expanded from VA specialist into Non-QM, DSCR, bank statement, and foreign national loans—plus how he uses stories and lunch & learns so Realtors and CPAs actually know what he can solve. Books Mentioned in This Episode Becoming Supernatural: How Common People are Doing the Uncommon – Dr. Joe Dispenza Ninja Selling – Larry Kendall Givers Gain: The BNI Story – Dr. Ivan Misner ABOUT TIM BRAHEEM With more than 25 years of experience as a highly successful mortgage professional, industry leader, educator, and life coach, Tim Braheem is committed to engaging with people on a deep level and helping them uncover the barriers they have placed in the way of having the level of success they deserve in both their business and personal lives. FOLLOW Instagram ► https://www.instagram.com/tbraheem/ LinkedIn ► https://www.linkedin.com/in/timbraheem THE LOAN ATLAS JOIN ► https://go.theloanatlas.com/membership FOLLOW Instagram ► https://www.instagram.com/theloanatlas/ YOUTUBE ► https://www.youtube.com/@LoanAtlas ----------

    59 min
  5. The Inner Work Behind Big Production: How Top Loan Officers Stay Motivated in Tough Markets

    11/20/2025

    The Inner Work Behind Big Production: How Top Loan Officers Stay Motivated in Tough Markets

    If you feel like you’re working twice as hard for half the results, it’s not the market holding you back. It’s the inner work you haven’t done yet. In this solo episode of The 360 Experience podcast, Tim Braheem takes you deep into the real engine behind every originator’s success: the 60,000–90,000 thoughts they think each day, and the emotions and energy those thoughts create. So many loan officers struggle with call reluctance, fear of rejection, perfectionism, people-pleasing, and burnout. Tim explains why these patterns have nothing to do with scripts or skill, and everything to do with old belief systems running silently in the background. This is the inner game behind the outer results. Top Takeaways for Loan Officers: 1️⃣ Why 80–90% of your thoughts today are the same ones you had yesterday, and how those loops directly influence production, relationships, and mindset. 2️⃣ How survival patterns formed early in life (perfectionism, people-pleasing, avoiding conflict) become hidden blockers in business, and how to rewire them. 3️⃣ A practical framework for creating space between stimulus and response so you stop reacting, start responding, and lead from a calm, grounded, high-energy state. Links to purchase the books Tim Mentioned: The Big Leap by Gay Hendricks Man's Search for Meaning by Viktor Frankl ABOUT TIM BRAHEEM With more than 25 years of experience as a highly successful mortgage professional, industry leader, educator, and life coach, Tim Braheem is committed to engaging with people on a deep level and helping them uncover the barriers they have placed in the way of having the level of success they deserve in both their business and personal lives. FOLLOW Instagram ► https://www.instagram.com/tbraheem/ LinkedIn ► https://www.linkedin.com/in/timbraheem THE LOAN ATLAS JOIN ► https://go.theloanatlas.com/membership FOLLOW Instagram ► https://www.instagram.com/theloanatlas/ YOUTUBE ► https://www.youtube.com/@LoanAtlas ----------

    53 min
  6. The Marine Mortgage Mindset: How Cody Hardridge Creates Unbreakable Habits and Serves 400 Families a Year

    11/11/2025

    The Marine Mortgage Mindset: How Cody Hardridge Creates Unbreakable Habits and Serves 400 Families a Year

    Ever have one of those weeks where you swear you’re going to make the calls, follow your plan, and finally break through that production plateau—only to end Friday frustrated, staring at an empty tracker?  Every loan officer has battled inconsistency, self-doubt, and that little voice saying, “I’ll start fresh next week.” So, how do you replace motivation with measurable consistency and finally stick to your plan? In this episode of The 360 Experience, Tim Braheem sits down with Cody Hardridge, a Marine-turned-top-producing originator and now a respected coach who scaled to 400 families a year by mastering personal discipline and daily consistency. Cody has helped countless originators turn scattered activity into unstoppable momentum, and he reveals the exact systems, mindset shifts, and micro-habits that made it possible. Top Takeaways for Loan Officers: 1️⃣ How to replace motivation with measurable consistency and finally stick to your plan 2️⃣ The “one-call-a-day” system and colored-dot tracking method that compound into record months 3️⃣ Why integrity with YOURSELF is the single most important skill for growth in this market If you’ve been stuck measuring results instead of behaviors, this episode will reignite your fire and give you a practical blueprint to crush your business and personal goals. ABOUT TIM BRAHEEM With more than 25 years of experience as a highly successful mortgage professional, industry leader, educator, and life coach, Tim Braheem is committed to engaging with people on a deep level and helping them uncover the barriers they have placed in the way of having the level of success they deserve in both their business and personal lives. FOLLOW Instagram ► https://www.instagram.com/tbraheem/ LinkedIn ► https://www.linkedin.com/in/timbraheem THE LOAN ATLAS JOIN ► https://go.theloanatlas.com/membership FOLLOW Instagram ► https://www.instagram.com/theloanatlas/ YOUTUBE ► https://www.youtube.com/@LoanAtlas ---------- Mentioned in this episode: Book a Strategy Call with The Loan Atlas! Follow the link below to schedule a demo session with our team! https://go.theloanatlas.com/book-a-demo

    1h 2m
  7. From 0 to 24 Loans in 18 Months: How Scott Taylor Built a Multi-State Mortgage Business from Scratch at 65 Years Old

    10/21/2025

    From 0 to 24 Loans in 18 Months: How Scott Taylor Built a Multi-State Mortgage Business from Scratch at 65 Years Old

    Ever feel like you’re grinding all day but not really gaining traction? That was Scott Taylor just 18 months ago — brand new to the mortgage business at 64 years old, sitting in an office being told to “pound the phones.” Instead of quitting, Scott built a thriving, multi-state business using nothing but relationships, education, and heart. In this episode, Tim Braheem sits down with Scott to uncover the exact playbook he used to go from zero to a packed pipeline in one of the toughest markets in decades. Scott’s story is proof that when you lead with value, people notice. Top Takeaways for Loan Officers: 1️⃣ How to transform your personal network into a consistent source of clients and Realtor partners (without cold calling). 2️⃣ The mindset and scripting behind “selling outcomes, not rates”—including how to teach clients about debt management, strike rates, and term reductions. 3️⃣ How to scale your business with virtual assistants, clear baton passes, and systems that keep you out of the weeds and in front of opportunities. ABOUT TIM BRAHEEM With more than 25 years of experience as a highly successful mortgage professional, industry leader, educator, and life coach, Tim Braheem is committed to engaging with people on a deep level and helping them uncover the barriers they have placed in the way of having the level of success they deserve in both their business and personal lives. FOLLOW Instagram ► https://www.instagram.com/tbraheem/ LinkedIn ► https://www.linkedin.com/in/timbraheem THE LOAN ATLAS JOIN ► https://go.theloanatlas.com/membership FOLLOW Instagram ► https://www.instagram.com/theloanatlas/ YOUTUBE ► https://www.youtube.com/@LoanAtlas ----------

    1h 31m
  8. How to Build an Annuity-Like Mortgage Practice That Pays for Decades (w/ Jim McMahan)

    10/07/2025

    How to Build an Annuity-Like Mortgage Practice That Pays for Decades (w/ Jim McMahan)

    One loan, done right, should lead to three, five, even ten more over time. If your clients aren’t coming back and sending friends, you’re doing it wrong. This episode will show you how to turn each deal into a lifetime of income. Tim Braheem sits down with industry legend and President of Benchmark Mortgage, Jim McMahan, who has spent nearly four decades in the mortgage trenches building one of the most respected origination businesses in the country.  Jim is the guy who taught Tim the art of scripting, objection handling, and creating clients for life. He’s built a career (and now an entire company) on the principle that you don’t need everyone, you just need the right people. And when you master that, your business becomes an annuity that pays for decades. Top Takeaways for Loan Officers: 1️⃣ How to develop a “credible market opinion based on fact” so your clients trust you over the news and never question your authority again. 2️⃣ The exact scripting and practice disciplines that turn objections into opportunities and build confidence when clients start shopping you on price. 3️⃣ Why affinity partners are your untapped goldmine, and how to turn every file into introductions to CPAs, financial advisors, and attorneys who can feed you business for life. Jim has weathered seven market cycles, built a company of 700 employees, and continues to create impact in this industry every single day. If you want to stop losing clients on price and start building a business that pays you for decades, this conversation is your roadmap. ABOUT TIM BRAHEEM With more than 25 years of experience as a highly successful mortgage professional, industry leader, educator, and life coach, Tim Braheem is committed to engaging with people on a deep level and helping them uncover the barriers they have placed in the way of having the level of success they deserve in both their business and personal lives. FOLLOW Instagram ► https://www.instagram.com/tbraheem/ LinkedIn ► https://www.linkedin.com/in/timbraheem THE LOAN ATLAS JOIN ► https://go.theloanatlas.com/membership FOLLOW Instagram ► https://www.instagram.com/theloanatlas/ YOUTUBE ► https://www.youtube.com/@LoanAtlas ----------

    1h 5m
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5
out of 5
26 Ratings

About

The 360 Experience Podcast is for Loan Officers and Mortgage Professionals. If you've ever wondered what it takes to be BOTH successful in business and happy in life, this podcast is for you. Tim Braheem, Hall of Fame Loan Originator, Entrepreneur, Public Speaker, and Spiritual Executive Business & Life Coach explores THIS and SO much more.. TURN ON & TUNE IN with The 360 Experience as Tim brings to you Fascinating Conversations with Interesting People.

Information

  • Creator
    Tim Braheem
  • Years Active
    2022 - 2026
  • Episodes
    83
  • Rating
    Clean
  • Copyright
    © 2025 Copyright Performance Experts 2025
  • Show Website
    The 360 Experience

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