In today's episode of the Loan Officer Breakfast Club, Steve Kyles share a complete breakdown of his email marketing strategy that delivered over 100 leads and 17 new referral partners in just 10 weeks, starting from zero. If you're tired of cold calls and want to attract agents instead of chasing them, this is a must-watch.

Steve walks through the exact cadence, tools, and scripts he's using to build a list, warm it up, and convert clicks into conversations. Carl White joins the conversation to explain the "7-11-4" trust-building formula and a simple script that helped one loan officer grow from 10 to 20 to 38 closings in just three months.

If you're looking for a smarter way to build agent relationships, this is the episode to watch.

LIVE Zoom Meeting Access: https://www.BreakfastClubZoom.com

Free Strategy Call for Loan Officers: https://www.MortgageTrainingCall.com

Learn More About Us: https://www.MortgageMarketingAnimals.com

In this episode of the Loan Officer Breakfast Club, Chris Johnstone takes the crew deeper into the world of AI for mortgage professionals, showing exactly how ChatGPT's new app integrations can save hours of work — and even generate referral-quality leads.

You'll learn how to use ChatGPT's app store to connect with your calendar, email, and Spotify, plus how to automate deep market research on local realtors with large social media followings. More importantly, Chris shares why AI should now be treated like a third referral source — alongside past clients and agents — and how you can train it to recommend YOU when someone asks for a lender.

This is must-know stuff for loan officers who want to stay ahead of the tech curve and build better, faster relationships in their local markets.

LIVE Zoom Meeting Access: https://www.BreakfastClubZoom.com

Free Strategy Call for Loan Officers: https://www.MortgageTrainingCall.com

Learn More About Us: https://www.MortgageMarketingAnimals.com

In this episode of Kristin's Corner, we dig into a real question from a loan officer: "A realtor told me to stop following up so much and to only call her once a month—what should I do?"

This sparked a powerful group discussion with practical insights, mindset shifts, and real strategies on how to handle this kind of feedback without losing the relationship—or your edge. If you're working to build strong referral partnerships without coming across as pushy, this conversation is a must-watch. We broke it down from all angles.

LIVE Zoom Meeting Access: https://www.BreakfastClubZoom.com

Free Strategy Call for Loan Officers: https://www.MortgageTrainingCall.com

Learn More About Us: https://www.MortgageMarketingAnimals.com

With only 14% of the year left, Owen Lee dropped a critical mortgage market update on today's show—and it was the best news in months. Rates have dipped to their lowest point since mid-2022, and Owen breaks down exactly how loan officers should act now before conditions shift again.

This session is packed with strategic advice: from why today is the day to lock rates, to how to turn this market momentum into serious volume. You'll also hear Carl White's insights on a killer "Extreme Follow-Up" system that's producing top performing branches. Plus, a real-life success story—$5 million in funded loans—thanks to the refi campaign. Don't miss your chance to take advantage of this rare window.

LIVE Zoom Meeting Access: https://www.BreakfastClubZoom.com

Free Strategy Call for Loan Officers: https://www.MortgageTrainingCall.com

Learn More About Us: https://www.MortgageMarketingAnimals.com

In this episode of the Loan Officer Breakfast Club, Steve Kyles and Frank Garay deliver a masterclass on how to scale your lead volume through a simple but powerful concept: The Race to the Top. If you're still calling the same 30 agents every week—or not tracking your lead sources at all—this is the wake-up call you didn't know you needed.

You'll discover:

• Why lead tracking is the key to predictable closings
• The "Rule of Two" for calculating how many agents you need
• How to identify when your agents have become unqualified
• A low-tech, high-impact tracking hack that will keep you focused
• How Facebook ads and warm-up campaigns can activate new agent relationships

This episode is packed with clarity, encouragement, and proven math that takes the guesswork out of pipeline building. Stop racing to the bottom—learn how to build a business that consistently climbs to the top.

Need help with tracking? The MMA Tracker is available through membership. Want to learn more? Book a strategy call at: http://freedomplanningcall.com/

LIVE Zoom Meeting Access: https://www.BreakfastClubZoom.com

Free Strategy Call for Loan Officers: https://www.MortgageTrainingCall.com

Learn More About Us: https://www.MortgageMarketingAnimals.com

Are you "commercial curious" but overwhelmed by the complexity of commercial lending? You're not alone. In this powerful LOBC episode, Frank Garay sits down with commercial lending pro Kelly Dutton to break down the real-world basics every loan officer needs to know when a commercial deal crosses your desk.

You'll learn:

• Why location trumps everything in commercial loans
• What info you must gather before handing off a deal
• How to structure a successful referral (and still get paid)
• The truth about rates, SBA loans, and DSCR qualifying
• What types of properties and scenarios Kelly's team can actually help with

Whether you're trying to stop losing money on deals you can't close or just want to understand commercial enough to hand it off the right way — this session is a goldmine. Kelly's team at OneClick is built to take this off your plate and cut you in on the deal.

To submit a deal or get info: WorkWithOneClick.com

LIVE Zoom Meeting Access: https://www.BreakfastClubZoom.com

Free Strategy Call for Loan Officers: https://www.MortgageTrainingCall.com

Learn More About Us: https://www.MortgageMarketingAnimals.com

In this first session of LO AI Basics 101, Chris Johnstone walks you through exactly how to set up your ChatGPT account so it starts working for you—helping generate leads, boost your local authority, and even recommend you directly to borrowers.

This setup process teaches the AI who you are, what you do, and which loan types you specialize in. It's how top loan officers are getting full mortgage applications directly from ChatGPT and other AI platforms.

Chris shares the same settings, prompts, and strategies his team uses to get clients ranked in AI results. If you want to turn ChatGPT into your next referral partner, this is step one.

LIVE Zoom Meeting Access: https://www.BreakfastClubZoom.com

Free Strategy Call for Loan Officers: https://www.MortgageTrainingCall.com

Learn More About Us: https://www.MortgageMarketingAnimals.com

In today's episode of the Loan Officer Breakfast Club, Owen Lee dives into the hot topic buzzing through the mortgage world: the potential IPO of Fannie Mae and Freddie Mac. With billions on the table and a high-stakes political backdrop, Owen explains why this move is less about releasing the GSEs from conservatorship and more about a headline-grabbing stock sale.

He breaks down how Washington's real motivation may be a record-setting IPO — potentially the biggest in history — and why there's likely no real plan in place to change the underlying rules of how Fannie and Freddie operate. If you're a loan officer trying to make sense of what this means for your business, Owen's insider perspective is a must-hear. You'll walk away with a clearer view of what's happening behind the scenes and why stability — not disruption — could be the theme moving forward.

LIVE Zoom Meeting Access: https://www.BreakfastClubZoom.com

Free Strategy Call for Loan Officers: https://www.MortgageTrainingCall.com

Learn More About Us: https://www.MortgageMarketingAnimals.com

In this episode of the Loan Officer Breakfast Club, veteran appraiser and AMC owner Marlene Chaker pulls back the curtain on how AI is reshaping the appraisal landscape—and what that means for loan officers.

Marlene shares the real-world impact of AI-driven tools, including automated valuations, photo recognition, and data-scraping models. But while AI brings speed and scalability, she explains why human judgment still reigns supreme in valuations that truly protect borrowers and lenders. With agencies tightening compliance and demanding faster turn times, loan officers must understand how these tools work and where their limitations lie.

From the risks of over-reliance on automation to the critical role LOs play in bridging the gap between borrower expectations and appraiser realities, this session delivers timely insight you can act on.

To connect with Marlene or learn more about her AMC, visit: https://www.aaa-amc.net/

LIVE Zoom Meeting Access: https://www.BreakfastClubZoom.com

Free Strategy Call for Loan Officers: https://www.MortgageTrainingCall.com

Learn More About Us: https://www.MortgageMarketingAnimals.com

Credit expert Jeanne Kelly joined us on the Loan Officer Breakfast Club and dropped some serious truth bombs that every loan officer needs to hear. One of the biggest myths she debunked? The idea that clients should keep their credit card balances at 30%. Jeanne explains why that advice could be hurting credit scores—and what the real sweet spot is.

She also shared insider tips on:

• How the statement balance date (not the due date) impacts scoring
• Why zero balances can actually be a problem
• The power of authorized users and how to time them for quick score boosts
• Strategies like shifting debt to installment loans to improve scores fast
• Why more credit (used wisely) is better—and how many cards your clients should really have

If you're a loan officer helping clients navigate credit challenges, this conversation is packed with actionable gems.

Need Jeanne's help for a client or yourself? Reach her at: http://jeannekelly.net/

LIVE Zoom Meeting Access: https://www.BreakfastClubZoom.com

Free Strategy Call for Loan Officers: https://www.MortgageTrainingCall.com

Learn More About Us: https://www.MortgageMarketingAnimals.com