Loan Officer Mastermind

Mortgage and real estate professionals spend years learning how to make more money. But how much time do they spend learning how to keep it, control it, and use it in the right sequence?

In this episode of the Loan Officer Mastermind, Todd Bookspan, Deborah Byrd, and Dave Savage are joined by Kyle Fuller, founder and CEO of Factum Financial.

Kyle introduces his Tough Money framework and explains why wealth building begins with habits, liquidity, and a clear understanding of your current financial level. He shares a practical monthly process for reviewing bank statements, explains the difference between creating money and permanently controlling it, and challenges listeners to consider the opportunity cost behind everyday financial decisions.

The conversation also covers Kyle’s approach to specialized whole life insurance. Kyle explains why he views it as a protection and cash-reserve asset rather than an investment, how he uses it within his own family’s financial system, and why proper education and policy design must come before purchasing anything.

The episode closes with a look at Kyle’s family banking business, his future family letter, and the financial lessons he is already teaching his son Ryker.

Key topics include:

• The importance of financial sequence

• Making money versus keeping money

• Monthly money-review habits

• Liquidity and financial resilience

• Opportunity cost

• Infinite banking

• Velocity of money

• Family financial education

• Generational stewardship

• Becoming a mortgage advisor, not simply a loan officer

This conversation is educational and is not financial, investment, tax, legal, or insurance advice.

Adversity is unavoidable, but staying stuck inside it is not.

In this episode of the Loan Officer Mastermind, Todd Bookspan and Deborah Byrd sit down with coach, speaker, and author Chris Welton to unpack the Adversity Paradigm and the four ways people commonly respond when life or business gets hard: victim, survivor, warrior, and architect.

Chris explains how to identify your default response, shorten the time you spend frozen or fighting, and use difficult experiences to build a stronger foundation for what comes next.

The conversation also explores what consistency looks like in the current mortgage market. Chris shares how one of his clients closed 52 non-QM loans in a single month through investor events, specialized knowledge, better questions, and a willingness to execute a playbook that others hear but rarely implement.

You’ll also hear practical ideas for creating an undefeated morning, evaluating whether your work is truly productive, raising leadership standards, avoiding the AI productivity trap, and taking one uncomfortable action before noon.

Connect with Chris at chriswelton.live and follow him on Instagram at @onehandatatime.

In this Win by Noon Friday Mastermind episode, Jeremy Forcier breaks down the first client meeting framework behind his 76% lead-to-application conversion rate. Jeremy joins Todd Bookspan, Deb Byrd, and Dave Savage to share the exact questions he asks buyers, how he builds trust quickly, why he focuses on monthly payment comfort instead of purchase price, and how he handles the “What’s my rate and payment?” question without overquoting or dodging the answer.

You’ll learn how to turn the first conversation into a true discovery call, ask better income and relocation questions, uncover buyer fears, and guide clients to the next step with confidence. This episode is a practical playbook for loan officers and mortgage advisors who want cleaner conversations, stronger conversion, and fewer surprises after the client applies.

Coach Bill Hart joins Todd Bookspan, Dave Savage, and Deborah Byrd for a timely Win by Noon Friday Mastermind conversation on why summer is a separation season for loan officers.

While average loan officers slow down, wait for fall, or hope for a rate drop, great loan officers protect their rhythm, stay visible, follow up with their database, and keep building relationships.

Bill shares practical advice from decades of coaching mortgage professionals, including why July and August shape October and November, how to adapt when summer disrupts your schedule, and why small consistent actions beat perfect plans that never happen.

The conversation also covers refi pop-ups, client-for-life strategy, authentic social media, the difference between rate quoting and true mortgage advice, financial freedom lending, and why financial literacy has to start with the loan officer first.

This episode is a reminder that winning the year does not start in Q4. It starts with the actions you take today.

In this episode of the Win by Noon Friday Mastermind, Todd Bookspan and Dave Savage sit down with Allison Larson to talk about why so many loan officers struggle to create real Realtor relationships and what she is doing differently.

Allison shares how she is consistently closing 20 loans a month without relying on the typical Realtor coffee meeting. Instead, she is leading with specific market problems agents care about, including down payment assistance, removing contingencies, buy-before-you-sell strategies, and non-warrantable condos.

You’ll hear how Allison opens conversations with listing agents, how she uses borrower stories to help Realtors identify opportunities in their database, and why scripts only work when you adapt them to your own voice. The conversation also covers community building, Realtor-focused content, modern preapproval experiences, AI, OfferReady, Mortgage Coach, long-term follow-up, and the mindset Allison uses to stay consistent in a changing market.

This is a practical episode for loan officers who want stronger agent relationships, better referral conversations, and a clearer way to become the resource Realtors actually call.

In this episode of the Win by Noon Friday Mastermind, Todd Bookspan, Debra Byrd, and Dave Savage sit down with Eric Daniels, owner of Rethink Home in Fort Worth, Texas, for a candid conversation about what it really means to build a business around authentic relationships.

Eric shares how he shifted from trying to look like the “typical” real estate agent to becoming more fully himself in business and life. He talks about cutting his database from 6,600 contacts to 117 real relationships, creating community through Ash to Ash Cigar Social and Short Rib Garage, and why a smaller, more intentional network can produce better results than a massive list of cold leads.

The conversation also covers lender and realtor partnerships, reconnecting with old leads, building trust through real-life community, and how authenticity can become a powerful filter for the right clients and referral partners.

This episode is for real estate agents, loan officers, mortgage professionals, and business owners who want to stop chasing everyone and start building deeper trust with the people they are meant to serve.

In this episode of the Win by Noon Friday Mastermind, Todd Bookspan and Dave Savage welcome David Childers, President of Keeping Current Matters, for a practical housing market update designed for mortgage and real estate professionals.

David breaks down why 2026 has not matched early housing forecasts, what rising inventory means for local markets, why more sellers are pulling listings off the market, and how buyer concerns around rates, affordability, and the economy are shaping today’s conversations.

The discussion also covers the gap between seller expectations and reality, why a national price crash is unlikely, what first-time buyers need from trusted advisors, and how loan officers and agents can use fact-based market opinions to create clarity.

This episode is a must-listen for professionals who want to lead better client conversations, support referral partners with relevant data, and become more trusted advisors in a changing market.

At the midpoint of 2026, loan officers have a choice: drift through summer or use halftime to reset, refocus, and recommit.

In this episode of the Win by Noon Friday Mastermind, Todd Bookspan, Deborah Byrd, and Dave Savage are joined by Michael Regan for a practical conversation on what is working right now for mortgage professionals.

Michael shares a simple but powerful framework built around mindset, skill set, and tool set. He explains why many loan officers do not need more ideas or more tools. They need to review their data, prune what is no longer working, and execute the fundamentals with more consistency.

The group discusses the K-shaped reality in today’s housing market, why some producers are thriving while others feel stuck, how to run a halftime business review, and how to use the KISS framework: Keep, Improve, Start, Stop.

You’ll also hear how to identify “sucker branches” in your business, including referral relationships or activities that look productive but quietly drain your time and capacity.

The second half is still ahead. This episode will help you step back onto the field with a clearer plan.

🔗 Links mentioned in this episode:

Building Champions Experience: https://www.buildingchampions.com/bce

Check out Michael Regan's Building Bigger Lives Podcast on these platforms:

YouTube: https://www.youtube.com/channel/UCKELF7Qkhb7gWyxxVGGfVpw  Spotify: https://open.spotify.com/show/7bVy2Ofm24QJsiGyR6qz9W  Apple Podcast: https://podcasts.apple.com/us/podcast/building-bigger-lives/id1727039575  Win Now podcast episode on productivity: https://youtu.be/jf31l1Mjk8E

Join the live Friday Mastermind: https://winbynoon.com/fridaymastermind/  Join the Win By Noon Mastermind Facebook Group: https://www.facebook.com/groups/WinByNoonUserMastermindGroup/

Subscribe for weekly mortgage mastermind conversations designed to help loan officers build stronger habits, better systems, and more consistent production.

Follow Todd Bookspan, Dave Savage, and Deborah Byrd on Instagram!

Todd Bookspan: https://www.instagram.com/toddbookspan/  Dave Savage: https://www.instagram.com/davesavagecode/ Deborah Byrd: https://www.instagram.com/deborahabyrd/

If you missed any of the previous Mastermind episodes, you can watch/listen to them from our YouTube playlist, Spotify, or Apple Podcasts.

YouTube: https://youtube.com/playlist?list=PLARnLPM7ghYnef2sQOMmRZVONk8ahsuip&si=6PUGjDsKh78Y_tXE Spotify Podcast: https://open.spotify.com/show/4WhL8jsD4znkEzC7NWTR6R Apple Podcast: https://podcasts.apple.com/ph/podcast/win-by-noon-friday-loan-officer-mastermind/id1896277080

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In this Win by Noon Friday Mastermind episode, Todd Bookspan is joined by Deborah Byrd and Jeremy Forcier for a practical conversation on how loan officers can turn everyday client conversations into more trust, better follow-up, stronger content, and more referral opportunities.

Jeremy shares his framework for taking one question, objection, or market concern and using it across multiple channels, including video, email, text, social media, realtor updates, landing pages, and autoresponders.

You’ll hear how to identify the conversations worth repeating, how to separate real objections from perceived objections, why proactive education improves conversion, and how one simple Zoom script can turn a phone call into a stronger client experience.

Jeremy also shares the weekly activity standards he tracks, including points of contact, meaningful face-to-face meetings, gratitude touches, mass communication, and business-related social posts.

For loan officers and mortgage professionals who want practical ways to create more opportunities from the conversations they are already having, this episode is packed with usable ideas.

🔗 Links mentioned in the episode:

If you haven’t yet, you can follow Jeremy on Instagram: https://www.instagram.com/jeremyforcier/

Explore Jeremy's coaching program and download his free tracker:

RIZEco website: https://rizeco.com/ RIZEco YouTube channel: https://www.youtube.com/@RIZEcoTV

Landing page Jeremy created through Manus ai: https://iranconflict-jeremyforcier.manus.space/ How to turn 1 loan app into weeks of content: https://www.instagram.com/p/DWj4aSfAXBY/?img_index=1 Win by Noon Journal Prompt today:  https://www.instagram.com/p/DZfjh27mlvV/

Join the live Friday Mastermind: https://winbynoon.com/fridaymastermind/

Follow Todd Bookspan, Dave Savage, and Deborah Byrd on Instagram!

Todd Bookspan: https://www.instagram.com/toddbookspan/ Dave Savage: https://www.instagram.com/davesavagecode/ Deborah Byrd: https://www.instagram.com/deborahabyrd/

If you missed any of the previous Mastermind episodes, you can watch/listen to them from our YouTube playlist, Spotify, or Apple Podcast.

Youtube: https://youtube.com/playlist?list=PLARnLPM7ghYnef2sQOMmRZVONk8ahsuip&si=6PUGjDsKh78Y_tXE

Spotify Podcast: https://open.spotify.com/show/4WhL8jsD4znkEzC7NWTR6R

Apple Podcast: https://podcasts.apple.com/ph/podcast/win-by-noon-friday-loan-officer-mastermind/id1896277080

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In this episode of the Win by Noon Friday Mastermind, Todd Bookspan and the co-host team welcome Kristin Dail, a Dallas-based mortgage advisor with Rate, for a practical conversation on building confidence in a competitive market.

Kristin shares how she helps buyers and real estate agents win through better preparation, stronger strategy, and clear communication. She explains why loan officers need to stop relying on rate as their main value proposition, how she trains agents to send buyers earlier in the process, and why getting clients comfortable with the numbers before they shop can prevent fear, hesitation, and contract fallout.

Kristin also opens up about a difficult season in 2023 when she almost left the business, and how recommitting to the basics helped her rebuild momentum. She breaks down her weekly rhythm for realtor calls, pipeline review, pre-approval follow-up, past-client touches, and buffer time.

You’ll also hear how Kristin uses events, Instagram broadcast channels, technology, AI, and community to grow while protecting her family time and staying focused on the relationships that matter most.

If you are a loan officer, mortgage advisor, real estate agent, or mortgage leader looking for a more grounded way to grow in today’s market, this episode is full of practical ideas you can use right away.

Want to catch up on our next episode? Join the live Friday Mastermind: https://winbynoon.com/fridaymastermind/

Connect with Kristin: https://www.rate.com/loan-officers/kristin-dail-488313 Or Follow her on Instagram: https://www.instagram.com/kristin.dail

Join Women’s Mortgage Mastermind Facebook Group: https://www.facebook.com/groups/1344529787549733

Follow Todd Bookspan, Dave Savage, and Deborah Byrd on Instagram!

Todd Bookspan: https://www.instagram.com/toddbookspan/ Dave Savage: https://www.instagram.com/davesavagecode/ Deborah Byrd: https://www.instagram.com/deborahabyrd/

Check out the Loan Officer Mastermind by Win By Noon podcasts: Spotify Podcast: https://open.spotify.com/show/4WhL8jsD4znkEzC7NWTR6R YouTube Podcast: https://youtube.com/playlist?list=PLARnLPM7ghYnef2sQOMmRZVONk8ahsuip&si=6PUGjDsKh78Y_tXE

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