Episode 313: Money Management for Sales Professionals
D.O. discusses the proper mindset that all sales professionals should have when it comes to generating and keeping wealth. www.TLOPonline.com for MORE CONTENT!
Mar 10, 2023•26 min•Ep. 315
The Loan Officer Podcast
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.
Episodes
Episode 312: The Relationship Between Realtors and Mortgage Lenders
D.O. takes a deep dive and explores how Realtors and loan officers work together. He also explains the truth behind what homebuyers should know about who is responsible for getting your loan closed properly and on time. www.TLOPonline.com for MORE CONTENT!
Mar 07, 2023•42 min•Ep. 314
Episode 311: VA and FHA Home Loans Just Got Cheaper
Change is afoot in the mortgage industry. Recently, the VA announced that they are their funding fee and FHA is lowering their monthly mortgage insurance. This will save active duty and eligible military veterans hundreds to thousands of dollars on their mortgage loan amount. It will save the average FHA borrower $75-$100 per month. www.TLOPonline.com for MORE CONTENT!
Mar 03, 2023•31 min•Ep. 313
Episode 310: The Power Of The Right Offer
Homebuyers, Realtors and loan officers listen up. This episode will save you thousands. There are three types of offers one can make and get accepted by a seller. There’s the risk-free offer. There’s the over-the-top-so-I-have-to-accept offer. And then, there’s the offer that is just right. Working with a lender who helps you structure the ‘just right offer’ can save you $5k-$10k in purchase price. Even if that lender charges $3k more in fees or has an interest rate that is .25% higher - this le...
Feb 28, 2023•39 min•Ep. 312
Episode 309: 5 Lessons to Learn From CEOs
GO TO www.TLOPonline.com for MORE CONTENT! In this episode, D.O. shares some of the best insights, mindsets and practices that he's picked up from top leaders from across the mortgage industry.
Feb 24, 2023•38 min•Ep. 311
Episode 308: When To Hire A Coach
Don’t go at it alone. When studying the most successful people in life and in business, it is learned that the highly successful invest in themselves. Sometimes you’re paying for access and other times you’re paying for accountability. Sometimes you’re paying for prospective, and other times you’re paying for innovation. None the less, if you’re serious about who you are, what you do and/or the results you receive - know that investing in yourself is a non-negotiable. www.TLOPonline.com for MORE...
Feb 21, 2023•34 min•Ep. 310
Episode 307: How Do Realtors Get Paid?
This episode benefits homebuyers and mortgage loan originators. Too many times, homebuyers don’t understand exactly how a real estate agent is compensated. This lack of understanding clouds their judgment on when and how to hire a Realtor. For MLOs, fully understanding a Realtor’s business and how they’re compensated will only make you a better professional. Lastly, if you’re considering a career in real estate - this is for you was well. www.TLOPonline.com for MORE CONTENT!...
Feb 17, 2023•44 min•Ep. 309
Episode 306: Prepare For The Chaos
The storm that presented itself in 2022 will push through by mid-year 2023. However, there’s still more damage to be inflicted. Currently, in the mortgage secondary markets, there’s a high probability of mortgage servicing rights (MSRs) flooding the market. When this happens, there will be a gluttony of supply with only a limited amount of demand. On the surface level, this will make the pricing on Newley originated home loans less attractive. More concerning is how this dumping of MSRs will imp...
Feb 14, 2023•41 min•Ep. 308
Episode 305: 5 Proven Strategies to Make This Year Your Best
D.O. goes off! This is a must watch & listen episode for anyone who’s serious about living their best life. He discusses the best ROI, being dumb, earning money, networking, and patterns. After you’re done consuming this episode, make sure you forward this to three people you care about. www.TLOPonline.com for MORE CONTENT!
Feb 10, 2023•32 min•Ep. 307
Episode 304: Mortgage Qualification Just Got Harder
Recent announcements from the government sponsored entities (GSE) now penalize qualified homebuyers who’s debt-to-income ratio (DTI) exceeds 40%. Many times, a final DTI is unknown until days before the scheduled closing date. Meaning, the locked in or quoted interest rate may not be accurate. Additionally, the automated underwriting software used in the majority of conventional conforming home loans is being adjusted to where the results are expected to limit the number of approvals granted. ww...
Feb 07, 2023•34 min•Ep. 306
Episode 303: Quit Dating Your Career
On this episode, Coach Bobby Franchise stops by the TLOP Headquarters to talk all things personal development, sales coaching, real estate and real estate investing with D.O. Bobby’s personal story and career successes teaches that anything is possible for those who learn to stay in line. Visit www.TLOPonline.com for MORE CONTENT!
Feb 03, 2023•44 min•Ep. 305
Episode 302: How To Buy Homes For Your College Kids and Adult Dependents
Caring for a loved one who financially can’t stand on their two feet, but are fiercely independent can be a challenging. The Family Opportunity Home Loan allows for primary caretakers to purchase real estate for their adult dependents with as little as 5% down. Similarly, paying for housing while your kid attends college can be an absolute financial drain. Learn how - with your help - your college student can purchase a home of their own while attending classes. Visit www.TLOPonline.com for MORE...
Jan 31, 2023•27 min•Ep. 304
Episode 301: What Are Loan-Level Pricing Adjustments (LLPAs)?
There’s nothing new about LLPAs - however, they are all up in the news. Now is the time for homebuyers, homeowners and mortgage professionals understand what they are and how they impact a consumer’s interest rate and/or the fees they pay at closing. Visit www.TLOPonline.com for MORE CONTENT!
Jan 27, 2023•29 min•Ep. 303
Episode 300: Making Millions In The First 5 Years As a Mortgage Loan Originator
In this episode, D.O. interviews Andrew Wagner with Churchill Mortgage. Andrew entered the mortgage industry straight out of college just five years ago. By his second full year he became a top producer with over $40 million in volume funded. From there he has only increased his production and therefore the commissions earned. Listen to how simple success is for those like Andrew who are not afraid to put in the hours, stay dedicated and not give up. Subscribe and Visit www.TLOPonline.com for MO...
Jan 24, 2023•43 min•Ep. 302
Episode 299: Be Boring. Become Successful!
Some of the most successful people we know are boring. This doesn’t mean they are boring when pitching a client, giving a presentation or aren’t fun to hang out with. It means they’re predicable with how they approach life and businesses. They are systematized and business oriented. If you desire achieving the highest level of success - work on simplifying your life. Visit www.TLOPonline.com for MORE CONTENT!
Jan 20, 2023•34 min•Ep. 301
Episode 298: Career Advice, Podcasting and Team Building w/ Ian MacDonald
Mega mortgage producer, Ian MacDonald (NMLS 546443) joins D.O. as a guest on this episode. Ian is a consistent $100M+ producer, podcast host and philanthropist. Tune in and Ian will describe how he went from high school math teacher to mortgage pro - while sharing the lessons he learned along the way. Further, he shares how you could become the master of your own market through podcasting and teaches you how. www.TLOPonline.com for MORE CONTENT!...
Jan 17, 2023•1 hr 3 min•Ep. 300
Episode 297: Real Life Coaching For Sales Professionals
JC plays the role of a real TLOP fan and D.O. coaches him through a couple situations. These scenarios showcase how to be effective in sales without being pushy or over the top. Also explained is a real example of how to provide value and close a sale, while also looking out for the client’s best financial interest. Visit www.TLOPonline.com for MORE CONTENT!
Jan 13, 2023•45 min•Ep. 299
Episode 296: How To Cut Your Student Loans In Half
D.O. interviews Cat Kaiyoorawongs - founder and CEO of LoanSense. LoanSense is helping more people qualify for home purchases by lowering their monthly student loan payments and discovering ways to have their debt forgiven. Tune in to hear Cat’s personal story on how she was originally denied mortgage financing due to her student loans and how this prompted her to launch her company. Real estate agents, LOs, homebuyers and financial advisors all will benefit - as well as anyone with current stud...
Jan 10, 2023•41 min•Ep. 298
Episode 295: How to Break Into The Mortgage Industry
You’ve taken the course, passed the class and all of your schooling is complete. However, you can’t catch a break and no one is offering you the career opportunity you desire. Tune in to hear D.O. and JC discuss how to stand out in a cluttered job market and why it’s important to create your best opportunities. Although this episode was recorded with LO’s in mind - the advice and real-world experiences shared resonate with all types of sales, marketing and business careers. Visit www.TLOPonline....
Jan 06, 2023•50 min•Ep. 297
Episode 294: Housing and Mortgage Interest Rate Predictions
In this episode - D.O. breaks down his early predictions for 2023 as it relates to mortgage interest rates, housing inventory, emerging technology and much more. Probably one of the dopest episodes to date... www.TLOPonline.com for MORE CONTENT!!!
Jan 03, 2023•25 min•Ep. 296
Episode 293: Interest Rate Discounts For Homebuyers
D.O. explains how there are multiple discounts available to homebuyers that weren't available just a few weeks ago, shows where to find these discounts - and educates prospective homebuyers on how to inquire about being eligible for these reductions. www.TLOPonline.com for MORE CONTENT!
Dec 30, 2022•38 min•Ep. 295
Episode 292: Sales Scripts to Increase Lead Conversion
Many times, running a successful business and generating more income isn’t about more leads, but about doing more with the leads you already have. This episode is for anyone who runs their own business or operates in a sales profession. Listen to D.O. and JC explain how using the right words within the right cadence could help you increase your conversion ratio - without needing more prospective clients. www.TLOPonline.com for MORE CONTENT!...
Dec 27, 2022•30 min•Ep. 294
Episode 291: Turning Attorneys Into Referral Sources
Visit www.TLOPonline.com for MORE CONTENT! Whether you’re an LO, realtor, CPA or Financial advisor, you can benefit from building a referral relationship with local attorney. Family Law aka Divorce, Immigration Attorneys, and Estate Attorneys.
Dec 23, 2022•30 min•Ep. 293
Episode 290: How To Turn One Client Into Three
The easiest way to scale your business is to create clients for life who are also raving fans. They’ll be your best sales and marketing tool, and will help you level up in terms of sales growth. However, without a plan, there is no guarantee you’ll be able to turn one transaction into multiple. This episode covers what to do and say to create clients for life who are also your best real sources for future business. Visit www.TLOPonline.com for MORE CONTENT!...
Dec 20, 2022•36 min•Ep. 292
Episode 289: A Guide To Home Buying
If you’re looking to buy a home, this episode is your starting point. If you sell homes for a living, the information shared is must-see-TV. If you finance homes for a living, you’d be a fool not to share this with your prospective clients. D.O. drops 18 years worth of knowledge into one episode. www.TLOPonline.com for MORE CONTENT!
Dec 16, 2022•49 min•Ep. 291
Episode 288: Life Hacks, Rules of Thumb and Quick Math
D.O. shares various tips, tricks and hacks on various subjects ranging from home finance and personal health, to alcohol consumption. www.TLOPonline.com for MORE CONTENT!
Dec 13, 2022•54 min•Ep. 290
Episode 287: Will 2023 Be A Good Year For Real Estate and Mortgage?
Winter is coming. Those are facts! The thought of a housing bubble is absurd. The time to buy is very much between December 2022 and March 2023. Rates are heading down and there will be more buyers than homes to sell by the summer months of 2023. Realtors, mortgage loan originators, title reps, home owner insurance agents and all others who depend on the housing industry for their income will look back on 2023 and claim it to be a really good year. However, getting through the first 90 days is g...
Dec 09, 2022•32 min•Ep. 289
Episode 286: How To Business Plan
Those who fail to plan, plan to fail. For any sales professional, entrepreneur, or business operator - business planning is a requirement in order to achieve ultimate success. In this episode, D.O. shares his proven, easy-to-use business plan and discusses how you can start with an income goal - and finish with understanding how many leads you need and who will refer them. This episode ends with a coaching session on why it’s important to fusion on your exit strategy. Visit www.TLOPonline.com fo...
Dec 06, 2022•40 min•Ep. 288
Episode 285: You Can Have It All!
D.O. interviews Leslie Heimer, MBA. She is proof that you can have it all - even if it’s not always in balance. Leslie is a 20-year mortgage veteran who has owned and run mortgage companies while also being a top producer. She’s a licensed real estate agent and owns a social media marketing consulting business. On top of being a bad-ass mortgage professional, productive real estate agent, owner of a marketing company - Leslie is a social media influencer, phenomenal mother and supportive wife. I...
Dec 02, 2022•48 min•Ep. 287
Episode 284: Do This First To Scale Your Business
Over the past 12 years, D.O and his partners have grown their business to over 11 locations and over 150 associates. In this episode, D.O. breaks down where he starts with any coaching client who’s interested in growing and scaling their business. Visit www.TLOPonline.com for MORE CONTENT!
Nov 29, 2022•43 min•Ep. 286
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