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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.
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The Mortgage Calculator Mortgage Loan Officer Training Series covers an in depth training for new and experienced MLOs on different loan types. Our program features live demos to not only structure a loan, but also the specific setup of a loan file in an LOS system such as Encompass. Both new and experienced Loan Officers and Mortgage Brokers can learn new tips and tricks for loans, new loan products, non traditional mortgage programs and much more! For more info visit https://themortgagecal ...
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Each week, Commission Breath digs into details of how mortgage brokers & loan officers can scale their business today. Each episode is focussed on being specific with strategies & tactics that work TODAY (not what worked 2, 5, or 10 years ago). Tom & Brandon are in the trenches building their own mortgage business and share what’s working for them. You’ll also hear actionable advice from other top producers in the industry while each interview is built off of 1 specific topic, resulting in t ...
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Welcome to the Loan Officer Sales Training podcast with The Mortgage Calculator, where we equip you with the strategies and techniques needed to skyrocket your sales production in the competitive world of lending. Whether you're a seasoned loan officer or just starting your career, this podcast is your go-to resource for mastering the art of lead generation, effective calls, and follow-up strategies that drive results. Here's a glimpse of what you can expect: 1. Lead Generation Mastery: Disc ...
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Episode 147 Welcome to another epic episode of The Mortgage Loan Officer Podcast, with your host, Frank Garay. In this episode, I sit down with Steve Kyles to talk about the power of strategic scripting when asking for the business. A small tweak in your approach can make a massive difference—quadrupling your results with the same effort. We break …
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MODERN MORTGAGE BROKER BROADCAST CHANNEL 🤑 Join for FREE Tips, Tools, & Strategies! *** WATCH ▶️ Watch this episode on YouTube *** EPISODE DESCRIPTION In this episode, Brandon and Tom share key takeaways they took from attending the Be the Better Broker Conference in Whistler, and how they hope to apply them to their business. Brandon and Tom discu…
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Episode 146 Welcome to another epic episode of The Mortgage Loan Officer Podcast, with your host, Frank Garay. In this episode of the Mortgage Loan Officer Podcast, I sit down with Steve Kyles to tackle one of the toughest parts of our business—handling difficult conversations when a deal is about to be delayed or fall apart, often through no fault…
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MODERN MORTGAGE BROKER BROADCAST CHANNEL 🤑 Join for FREE Tips, Tools, & Strategies! *** WATCH ▶️ Watch this episode on YouTube *** EPISODE DESCRIPTION In this episode, Tom & Brandon share one of their trainings with Tango, where they focus on the FKD framework to increase your daily production. *** TANGO ONTARIO 🚀 Join Team Tango 📧 Email Us → ontar…
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MODERN MORTGAGE BROKER BROADCAST CHANNEL 🤑 Join for FREE Tips, Tools, & Strategies! *** WATCH ▶️ Watch this episode on YouTube *** EPISODE DESCRIPTION In this episode, Tom shares 5 things he's learned about social media after achieving his first 5,000 followers, and whether you're just starting your social media journey or looking to scale your exi…
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Episode 145 Welcome to another epic episode of The Mortgage Loan Officer Podcast, with your host, Frank Garay. In this episode of the Mortgage Loan Officer Podcast, I interview Kevin Bilberry, CEO of MoveTube, about the revolutionary Listing Trailers 2.0 feature that’s taking the real estate world by storm. This cutting-edge tool gives real estate …
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MODERN MORTGAGE BROKER BROADCAST CHANNEL 🤑 Join for FREE Tips, Tools, & Strategies! *** WATCH ▶️ Watch this episode on YouTube *** EPISODE DESCRIPTION In this episode, Tom & Brandon share one of their trainings with Tango, where they focus on 3 mindset tactics to build your business. *** TANGO ONTARIO 🚀 Join Team Tango 📧 Email Us → ontario@tangofin…
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MODERN MORTGAGE BROKER BROADCAST CHANNEL 🤑 Join for FREE Tips, Tools, & Strategies! *** WATCH ▶️ Watch this episode on YouTube *** EPISODE DESCRIPTION In this episode, Brandon and Tom do a deep dive on 7 different tactics you can use to get applications & documents in faster from clients, so you can client experience and boost efficiency. Brandon a…
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Episode 144 Welcome to another epic episode of The Mortgage Loan Officer Podcast, with your host, Frank Garay. In this episode of the Mortgage Loan Officer Podcast, I sit down with Steve Kyles to discuss the transformative concept of the "Power of One." Steve shares how securing just one appointment a day, four days a week, with producing and quali…
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WATCH ▶️ Watch this episode on YouTube *** EPISODE DESCRIPTION This is a training snipit from one of Tom & Brandon's trainings with Tango. In this video they focus on the top 3 ways on how to create of referral partners to reach out to. *** TANGO ONTARIO 🚀 Join Team Tango 📧 Email Us → [email protected] *** CONNECT 📸 Connect on Instagram (CB…
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In today’s competitive mortgage industry, understanding rate lock management is essential for every loan officer aiming to deliver top-notch service and close deals with confidence. In this episode, we dive deep into the art and science of rate lock management. Learn how to navigate fluctuating markets, communicate effectively with clients about ra…
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Episode 143 Welcome to another epic episode of The Mortgage Loan Officer Podcast, with your host, Frank Garay. In this episode of the Mortgage Loan Officer Podcast, I sit down with Steve Kyles to discuss the critical importance of redeeming our time to achieve the goals we’ve set for ourselves. Every week that passes reduces our time capacity by 2%…
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WATCH ▶️ Watch this episode on YouTube *** EPISODE DESCRIPTION In this episode, Brandon and Tom do a deep dive on 7 ways to wow your client, and how it will lead to better relationships and more referrals. Brandon and Tom discuss: → The importance of mastering your first impression, using video to show your personality, and adding personal touches.…
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In this episode of Loan Officer Training, we dive deep into the powerful tools of credit simulations and rapid rescores—game-changers for loan officers looking to help clients improve their credit scores quickly and efficiently. Learn how to analyze credit reports, leverage simulation tools to create actionable plans, and navigate the rapid rescore…
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Episode 142 Welcome to another epic episode of The Mortgage Loan Officer Podcast, with your host, Frank Garay. In this episode of the Mortgage Loan Officer Podcast, I sit down with Michael Hyche, a loan officer who's only been in the industry for 4 months but already has 7 pre-approved files in his pipeline! Michael's short but powerful story is a …
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WATCH ▶️ Watch this episode on Youtube *** TANGO ONTARIO 🚀 Join Team Tango 📧 Email Us → [email protected] *** CONNECT 📸 Connect on Instagram (CB) 📸 Connect on Instagram (Tom) 📸 Connect on Instagram (Brandon) *** SAY THANKS 🙏 Leave a review on Apple Podcasts 🟢 Leave a rating on SpotifyVon Brandon Love & Tom Moffat
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In this episode of Loan Officer Training, we’re unlocking the secrets to Short-Term Rental Property Loans—one of the hottest opportunities in real estate lending! 🏡✨ Learn how to navigate the unique requirements of financing vacation rentals, Airbnb properties, and other short-term investments. We’ll cover everything from qualifying borrowers to un…
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In this episode of Loan Officer Training, we focus on the essential steps to successfully structure VA loans. Tailored for loan officers, this episode covers everything from understanding the unique features of VA loans to creating strategies that cater to the needs of veteran clients. Discover how to navigate eligibility requirements, maximize loa…
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Episode 141 Welcome to another epic episode of The Mortgage Loan Officer Podcast, with your host, Frank Garay. In this episode, I sit down with Steve Kyles to explore the game-changing phrase that stands as the "divider between commitment and assumptions": Can I count on you? This simple, five-word question has helped thousands of loan officers sig…
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WATCH ▶️ Watch this episode on Youtube *** TANGO ONTARIO 🚀 Join Team Tango 📧 Email Us → [email protected] *** CONNECT 📸 Connect on Instagram (CB) 📸 Connect on Instagram (Tom) 📸 Connect on Instagram (Brandon) *** SAY THANKS 🙏 Leave a review on Apple Podcasts 🟢 Leave a rating on Spotify ***Von Brandon Love & Tom Moffat
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In this episode of Loan Officer Training, we explore the ins and outs of Foreign National Borrower Loans—a unique lending solution for clients without U.S. residency or credit history. Learn how to identify eligible borrowers, navigate documentation requirements, and structure loans that meet their needs. We’ll share expert strategies, key consider…
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Episode 140 Welcome to another epic episode of The Mortgage Loan Officer Podcast, with your host, Frank Garay. In this episode of the Mortgage Loan Officer Podcast, Steve Kyles and I dive into an inspiring concept shared by special guest Brian Young, former guitar player for David Lee Roth, during a recent Loan Officer Breakfast Club session. Brian…
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In this episode of Loan Officer Training, we dive deep into the world of ITIN Borrower Loans—a crucial yet often overlooked area in lending. Join us as we break down what ITIN loans are, who qualifies, and how you, as a loan officer, can confidently guide clients through the process. Discover key strategies, common challenges, and expert tips to he…
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WATCH ▶️ Watch this episode on Youtube *** EPISODE DESCRIPTION In this episode, Brandon and Tom are joined by Ashton Lambert. Ashton is a Mortgage Agent at Synergy Mortgage Group from Hamilton, Ontario, who's been in the mortgage industry for 10 years. Ashton started at Mission35 as a Communications Manager and Client Intake Specialist, then progre…
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Episode 139 Welcome to another epic episode of The Mortgage Loan Officer Podcast, with your host, Frank Garay. In this episode of the Mortgage Loan Officer Podcast, I sit down with Steve Kyles to tackle a common frustration loan officers face: feeling like you’re doing your processor’s job. We dive into why this dynamic is detrimental to your growt…
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In this episode of Loan Officer Training, we tackle the critical process of verifying business ownership for real estate loans. Understanding the nuances of business documentation is key to ensuring smooth approvals and compliance. Learn how to identify the right documents, verify legitimacy, and effectively navigate complex ownership structures. W…
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In this episode of Loan Officer Training, we explore the art of structuring bank statement loans, a powerful solution for borrowers who don’t meet traditional income requirements. Discover what bank statement loans are, who they’re ideal for, and the key strategies to analyze and structure them effectively. Our expert host, Jose Gonzalez will share…
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WATCH ▶️ Watch this episode on Youtube *** EPISODE DESCRIPTION In this episode, Brandon and Tom are joined by Chantelle Wright. Chantelle is a Mortgage Agent at Tango Financial from Springwater, Ontario, who got her mortgage licence September of 2023. Under the guidance of Ryan Wiley and Strategy Hub, Chantelle closed over $10 million in volume her…
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Underwriting can often feel like a complex maze for loan officers, but mastering it is key to ensuring smooth loan approvals. In this episode of Loan Officer Training, we tackle the most common underwriting challenges and share actionable strategies to overcome them. From navigating tight guidelines to resolving credit or income inconsistencies, yo…
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Episode 138 Welcome to another epic episode of The Mortgage Loan Officer Podcast, with your host, Frank Garay. In this episode of the Mortgage Loan Officer Podcast, I sit down with Steve Kyles to dive deep into the concept of leverage and how it can transform your productivity without requiring more of your time. We discuss practical strategies to …
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Refinancing can be a game-changer for borrowers, but how do you effectively structure a refinance and communicate its value? In this episode of Loan Officer Training, we break down the steps to crafting a winning refinance strategy that aligns with your client's goals. Discover how to calculate savings, highlight benefits like lower monthly payment…
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Understanding how to analyze self-employed borrower income is a key skill for every loan officer, especially when it comes to LLCs. In this episode of Loan Officer Training, we dive into the specifics of evaluating income for borrowers operating under a Limited Liability Company structure. Join us as we unpack essential documents, explore common ch…
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In this episode of Loan Officer Training, we dive into the art of mastering the initial sales call—a critical step in building trust and setting the foundation for a successful client relationship. Learn how to ask the right questions, uncover your client’s financial goals, and position yourself as the trusted advisor they need. From crafting a com…
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In this episode of Loan Officer Training, we break down the process of calculating non-variable W-2 income to help you assess borrower qualifications with confidence. Learn how to accurately analyze pay stubs, identify consistent income streams, and account for deductions or other factors that might affect qualifying income. We’ll also share tips f…
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WATCH ▶️ Watch this episode on YouTube *** EPISODE DESCRIPTION In this episode, Brandon and Tom do a deep dive on how to get more Google reviews, and why this is something you should want to optimize and focus on. Brandon and Tom discuss: → The benefits of boosting your Google profile, the importance of your online presence, and how it can lead to …
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In this episode of Loan Officer Training, we tackle the crucial topic of mortgage fraud—what it is, how it happens, and how loan officers can identify and prevent it. Learn about common schemes like income misrepresentation, identity theft, and property flipping, and discover the red flags to watch for during the loan process. We’ll also discuss th…
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Episode 137 Welcome to another epic episode of The Mortgage Loan Officer Podcast, with your host, Frank Garay. In this episode of The Mortgage Loan Officer Podcast, I sit down with Steve Kyles to unpack the fascinating dynamic between risk and trust. We explore how this relationship impacts the way real estate agents perceive loan officers, especia…
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In this episode of Loan Officer Training, we explore the essentials of Mortgage Insurance (MI) and its critical role in the lending process. From understanding the different types of MI—private, FHA, VA, and USDA—to learning how to calculate premiums and explain their impact on loan affordability, we’ll cover it all. Gain insights into how MI prote…
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In this episode of Loan Officer Training, we dive into the complexities of analyzing self-employed borrowers with partnerships. Understanding partnership income, tax returns, and financial structures is essential for loan officers handling these unique scenarios. We'll break down how to evaluate K-1 forms and distributions, identify key red flags a…
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WATCH ▶️ Watch this episode on YouTube *** EPISODE DESCRIPTION In this episode, Brandon and Tom share how they've made their strategy calls as efficient as possible, saving time and money, and also how it covers you when it comes to compliance. Brandon and Tom discuss: → What happens before the strategy call and when they do the strategy call. → Th…
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Self-employed borrowers who own C-Corporations present unique income analysis challenges. In this episode of Loan Officer Training, we dive deep into the intricacies of evaluating income for C-Corp owners, equipping you with the skills needed to interpret complex financials with confidence. Discover how to navigate corporate tax returns (Form 1120)…
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FHA manual underwriting can open doors for borrowers with unique financial profiles, but it requires a thorough understanding of guidelines and a keen eye for detail. In this episode of Loan Officer Training, we break down the essentials of FHA manual underwriting, empowering you to navigate this alternative pathway to loan approval with confidence…
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WATCH ▶️ Watch this episode on YouTube *** EPISODE DESCRIPTION In this episode, Brandon and Tom share 6 things they're wanting to focus on in 2025, both personal and professional, and how they're planning to implement these changes. Brandon and Tom discuss: → Being ruthless with their time and tuning out distractions. → Doubling down on prospecting…
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Understanding self-employed borrower income can be challenging, especially when it comes to S-Corporations. In this episode of Loan Officer Training, we tackle the complexities of analyzing income for borrowers who operate as S-Corp owners, guiding you through key strategies to confidently assess their financial stability. Learn how to interpret K-…
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Episode 136 Welcome to another epic episode of The Mortgage Loan Officer Podcast, with your host, Frank Garay. In this episode of the Mortgage Loan Officer Podcast, I sit down with Steve Kyles to discuss key insights from his brother, Jimn Kyles, author of Unstuck and Unstoppable. Together, we explore the critical role of mindset in navigating the …
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Document collection is a critical step in the loan process, but it can often be a source of delays, miscommunication, and frustration for both loan officers and borrowers. In this episode of Loan Officer Training, we dive into proven best practices for streamlining document collection and setting up your borrowers for a smooth loan journey. From in…
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Condo loans come with their own set of challenges and complexities, from unique underwriting requirements to HOA involvement and complex property approvals. In this episode of Loan Officer Training, we’ll dive into the world of condominium loans and uncover what every loan officer needs to know to navigate them with ease. Learn how to confidently a…
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WATCH ▶️ Watch this episode on Youtube *** EPISODE DESCRIPTION In this episode, Tom shares a message for listeners that he hopes can keep them from making the same mistakes he and Brandon did this year, and how shifting course has led to an overall better life. Tom discusses: → The lens he now uses to look at opportunities and the 1% rule. → Conten…
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Episode 135 Welcome to another epic episode of The Mortgage Loan Officer Podcast, with your host, Frank Garay. In this episode, I sit down with Steve Kyles to tackle one of the most common objections loan officers face: "I already have a lender." Steve breaks down an easy-to-follow approach to overcome this hurdle, helping loan officers confidently…
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Disputed accounts can be a stumbling block in the loan application process, impacting everything from credit scores to approval timelines. In this episode of Loan Officer Training, we’ll guide you through the complexities of handling disputed accounts and how they can affect a borrower’s loan eligibility. Learn why disputed accounts matter, how the…
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