In this powerful episode of the Loan Officer Breakfast Club, Frank Garay is joined by heavy hitters Kevin Gillespie, Steve Kyles, Carl White, and others to tackle one of the most common and costly struggles for LOs: call reluctance.

You'll hear real strategies—backed by experience and results—on how to overcome fear of rejection, break through mental hesitation, and turn outbound calls into consistent closings. Learn how Kevin's client went from 0 to 23 closings a month, how gamifying your calls can shift your mindset, and why knowing your numbers (like "13 conversations = 2 referrals") can take the guesswork out of prospecting. If you want to build momentum, confidence, and income—this one's a must-watch.

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