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 152 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, we're excited to announce that Loan Officer Breakfast Club replays are now available nationwide for free — so no matter where you are, you can plug in and get the inspiration and tactic…
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103: How to Spot Client Avatars to Win More Business
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12:04MODERN 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 Tom breaks down how you can spot the right clients for multiple advanced mortgages strategies, improving your conversion …
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102: From Nearly Exiting the Industry, to $18 Million in 5 Months with Scott Sarai
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23:43MODERN MORTGAGE BROKER BROADCAST CHANNEL 🤑 Join for FREE Tips, Tools, & Strategies! *** WATCH ▶️ Watch this episode on YouTube *** EPISODE DESCRIPTION In this episode, Brandon and Tom are joined by Scott Sarai. Scott is a Mortgage Broker at SGS Mortgages from Burlington, Ontario, who's a part of Team Wiley at Tango while also still being a full-tim…
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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 Brandon breaks down how great artists take inspiration from other people's work but put their own spin on it, and how you…
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100: Why B/Private Business Should Be a Focus for Brokers with Mark Eade
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32:30MODERN MORTGAGE BROKER BROADCAST CHANNEL 🤑 Join for FREE Tips, Tools, & Strategies! *** WATCH ▶️ Watch this episode on YouTube *** EPISODE DESCRIPTION In this episode, Brandon and Tom are joined by Mark Eade. Mark is a Mortgage Broker at Key Mortgage Partners from Burlington, Ontario, who's built his business with relationships from B and private m…
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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 Tom breaks down the first webinar he and Brandon hosted together, what worked, what didn't, and how you can use this outl…
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98: 3 Strategies That Are Getting Us Booked Calls Off Social Media
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17:29MODERN 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 the strategies that are working for them to get more booked calls from social media, which is becoming a more consistent pipeline of direct leads. Brandon and T…
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The AI Assistant That Booked Me an Appointment Without Me Knowing!
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19:29Episode 151 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 Chris Johnstone from Mortgage Marketing Animals to talk about the Loan Officer CRM—and more specifically, its powerful built-in AI assistant. I share my personal experie…
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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 Brandon breaks down practical strategies for staying productive when unexpected challenges strike, including an innovativ…
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96: How to Get Immediate Leads in Your Business TODAY
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16:21MODERN 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 why they're starting a 60-day "asks" challenge, and how on the first day it's already generated new leads and rekindled relationships with past clients. Brandon…
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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 Brandon breaks down the art of meaningful outreach to your referral partners, with practical tips on maintaining regular …
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94: Are You on Pace for Your 2025 Goals? (Q1 Review)
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26:43MODERN 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 how you can take stock of your performance in Q1, be honest with yourself about areas for improvement, and then double down on what's working to make the most o…
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93: Making Small Tweaks to Your Videos to Skyrocket Views
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8:11MODERN 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 Tom dissects the small tweaks he made to his most recent Instagram reel, and why he thinks they helped him reach a wider,…
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92: What Brokers Need to Do to Succeed Today with Ryan Wiley
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48:40MODERN MORTGAGE BROKER BROADCAST CHANNEL 🤑 Join for FREE Tips, Tools, & Strategies! *** WATCH ▶️ Watch this episode on YouTube *** EPISODE DESCRIPTION In this episode, Brandon and Tom are joined by Canadian mortgage titan Ryan Wiley. Ryan is a Co-Owner of Strategy Hub and a Co-Founder of The VIP Club from Kelowna, BC. Ryan is also the host of "The …
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Episode 150 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 break down the eye-opening numbers from our recent Call Stars Blitz. The data proves that 18% of the people we have a conversation with—when properly aske…
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91: How to Source Unlimited Content Using AI
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14:46MODERN 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 Tom provides the framework how he leverages ChatGPT to create social media content including viral hooks, video topics, a…
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90: Rocket Mortgage, Our New Lead Gen Focus, & More
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20:28MODERN 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 the recent changes they've made to their business, and new prospecting angles they're diving into. Brandon and Tom discuss: → Prospecting strategies including w…
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Why Community & Accountability Are a MUST for Loan Officers
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7:57Episode 149 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 huge benefits of community and accountability when it comes to staying disciplined and hitting your goals. If you’re trying to succeed as a lo…
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89: Mr. Fix It - Resolve Conflict Faster & Better
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17:45MODERN MORTGAGE BROKER BROADCAST CHANNEL 🤑 Join for FREE Tips, Tools, & Strategies! *** WATCH ▶️ Watch this episode on YouTube *** EPISODE DESCRIPTION In this episode, Brandon shares strategies and tactics to improve your conflict resolution skills that not only protect your business, but also impact your life. Brandon discusses: → Accepting that c…
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88: How to Underwrite Faster (Finmo Tips & Tricks)
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14:25MODERN 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 share tactics you can use to transform your workflow to get your underwriting done quicker. *** TANGO ONTARIO 🚀 Join…
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87: From 50 to 189 Files in One Year with Alex Shanks
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28:57MODERN MORTGAGE BROKER BROADCAST CHANNEL 🤑 Join for FREE Tips, Tools, & Strategies! *** WATCH ▶️ Watch this episode on YouTube *** EPISODE DESCRIPTION In this episode, Tom is joined by Alex Shanks. Alex is a Mortgage Professional at Designer Capital from BC, whose had exponential growth since becoming an agent in January of 2022. After closing 18 f…
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Episode 148 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 Casey O'Toole, the creator of Linkybot.ai, a game-changing AI tool designed to help mortgage professionals find, engage with, and set appointments with their ideal prosp…
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86: Crush Communications: Turn Your Client Journey into a Marketing Powerhouse
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17:38MODERN 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 how you can turn your client care into a marketing powerhouse, and use communication to create a referable …
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85: Dominating a Niche and Building Brand Influence with Jacob Perez
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38:12MODERN MORTGAGE BROKER BROADCAST CHANNEL 🤑 Join for FREE Tips, Tools, & Strategies! *** WATCH ▶️ Watch this episode on YouTube *** EPISODE DESCRIPTION In this episode, Brandon and Tom are joined by Jacob Perez. Jacob is a Partner and Mortgage Agent at Synergy Mortgage Group from Hamilton, Ontario, who's always had a passion for real estate investin…
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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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84: Takeaways From the Be the Better Broker Whistler Conference
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18:58MODERN 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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How to Handle Tough Conversations with Steve Kyles
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26:02Episode 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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83: Use This Framework to Increase Daily Production
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13:39MODERN 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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82: 5 Things I’ve Learned After My First 5k Followers
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14:22MODERN 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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Unlocking Realtor Relationships with MoveTube's Listing Trailers 2.0
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21:31Episode 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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81: 3 Mindset Tactics to Build Your Business
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8:32MODERN 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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80: 7 Tactics to Get Client Documents in Faster
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17:34MODERN 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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79: How to Create a List of Referral Partners to Reach Out To
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15:34WATCH ▶️ 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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Loan Officer Training - 01/16/2025 - Mastering Rate Lock Management for Loan Officers
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24:37In 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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78: 7 Ways to Wow Your Clients for More Referrals
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19:10WATCH ▶️ 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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Loan Officer Training - 01/09/2024 - Mastering Credit Simulations and Rapid Rescores
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24:21In 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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7 Deals in 4 Months as a New Loan Officer
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24:27Episode 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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77: How to ACTUALLY Hit Your Goals in 2025
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36:23WATCH ▶️ 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 SpotifyBởi Brandon Love & Tom Moffat
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Loan Officer Training - 01/02/2025 - Mastering Short-term Rental Property Loans
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23:24In 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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Loan Officer Training - 12/26/2024 - How to Structure VA Loans for Loan Officers
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18:06In 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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76: Why You Shouldn't Care About Views on Social Media
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14:51WATCH ▶️ 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 ***Bởi Brandon Love & Tom Moffat
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Loan Officer Training - 12/19/2024 - Mastering Foreign National Borrower Loans
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29:48In 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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Loan Officer Training - 12/17/2024 - Mastering ITIN Borrower Loans
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20:32In 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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75: How Underwriting Experience Got Him to 35M+ Within His First 5 Years with Ashton Lambert
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26:16WATCH ▶️ 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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Tired of Being Your Processor's Processor?
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12:22Episode 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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Loan Officer Training - 12/11/2024 - Verifying Business Ownership for Real Estate Loans
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16:07In 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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