You set your 2026 mortgage goals. You built the business plan. You said this was your year.... so why isn’t production happening?

In this episode of Market Shares, Dan Keller and I break down exactly what top-producing loan officers do to get back on track fast. We talk about how to turn your big income goals into daily, weekly, and monthly actions, how to generate leads from your database and sphere, and how to build a 100% referral-based mortgage business that keeps producing.

No fluff. No motivation speeches. Just the process, urgency, and strategy that separates top producers from everyone else. If January didn’t go your way, this episode is your mid-Q1 reset — because your goals aren’t going to hit themselves.

🔎 Topics We Cover

• Mortgage business plan check-in for 2026
• Why most loan officers fall off track after January
• Outcome goals vs. process goals (and how to reverse engineer $300K+)
• The monthly dashboard method for tracking units & income
• The “Win 10 out of 12” strategy
• Why activity today shows up 60–90 days later
• What to do after a bad month
• The 20x20 (and 20x13) database calling strategy
• What to say to past clients (scripts included)
• How to uncover cash-out refinance opportunities
• Building a 100% referral-based mortgage practice
• Why “I don’t know what to say” is the biggest excuse in sales
• The urgency shift that separates top producers from stuck LOs

👉 If you’re serious about growing your mortgage business in 2026, this is your blueprint.
🔔 Don’t miss out! Subscribe and stay ahead of the game with Market Shares.
📌 New episodes drop every Friday at 10 AM PT!

A lot is moving in the mortgage industry right now — and this episode breaks down the biggest stories you need to know.

From rising credit report costs and potential underwriting changes, to major federal housing reform, rate forecasts that could trigger pent-up buyer demand, a spike in refinance activity, and the growing senior housing conversation — this is your quick monthly pulse check on what’s happening across the industry.

This episode is about staying informed, staying positioned, and understanding where the industry momentum may be building next.

🎯 Topics We Cover

• Credit report cost increases and single bureau proposals
• Housing for the 21st Century Act
• Manufactured & affordable housing reform 
• Mortgage rate trends and pent-up demand
• Refinance application surge
• Senior housing shortages
• Reverse mortgage opportunities
• What mortgage professionals should be watching now

👉 This episode gives you a quick, actionable pulse check so you can stay informed and positioned for what’s next.
🔔 Don’t miss out! Subscribe and stay ahead of the game with Market Shares.
📌 New episodes drop every Friday at 10 AM PT!

Social media isn’t just content—it’s your reputation.

In this episode, I break down how posts, comments, likes, and even “neutral” engagement can quietly cost professionals clients, credibility, or their job—especially in mortgage and real estate.

From permanent digital footprints and algorithm amplification to compliance risk, AI-driven research, and context collapse, this episode explains why social media must be treated as a professional platform in 2026.

If your business depends on trust and referrals, this is a conversation you can’t afford to ignore.

🧠 Topics We Cover

• Why social media is both a growth tool and a credibility risk
• How permanent posts, screenshots, likes, and comments really are
• Why controversial content quietly alienates future clients
• Social media compliance risks in mortgage and real estate
• How algorithms reward emotion over professionalism
• Why “no one sees my posts” is a dangerous myth
• How clients, employers, and AI tools research you online
• What context collapse is—and why it catches professionals off guard
• When personality helps your brand (and when it hurts it)
• Practical guardrails for protecting your reputation in 2026

👉 This episode is packed with insights you won’t get anywhere else!
🔔 Don’t miss out! Subscribe and stay ahead of the game with Market Shares.
📌 New episodes drop every Friday at 10 AM PT!

What does it really take to succeed as a loan officer in the next five years?

I sit down with Dustin Owen, founder of The Loan Officer Podcast (TLOP), to break down the fundamentals that matter most: sales skills, relationships, mindset, money, AI, and career strategy.

Dustin shares lessons from his CMB journey, how content opened doors beyond production, and why fundamentals beat tech hype. We also cover referrals, market lessons, and why ethical career advising may reshape mortgage careers.

Whether you’re producing loans, leading a team, or planning your next career move, this episode gives a clear, practical roadmap to stay relevant, profitable, and ahead of the curve.

🧠 Topics We Cover

• Dustin Owen’s journey & The Loan Officer Podcast (TLOP)
• Why the Certified Mortgage Banker (CMB) matters
• Moving from production to coaching & content influence
• Sales skills, relationships, and referral-based business
• AI, technology, and staying “robot-proof” in 2026
• Psychology of money & lessons from past market crashes
• Ethical career advising vs traditional recruiting
• Building long-term wealth, mindset, and career leverage

👉 This episode is packed with insights you won’t get anywhere else!
🔔 Don’t miss out! Subscribe and stay ahead of the game with Market Shares.
📌 New episodes drop every Friday at 10 AM PT!

Is 2026 shaping up for lower mortgage rates… or major unintended consequences?

In this episode, I break down the biggest policy moves and market signals shaping the next housing cycle — from the Trump administration’s proposed $200B purchase of mortgage-backed securities to the investigation into Fed Chair Jerome Powell, new ideas around using 401(k) and 529 funds for homebuying, and the controversial push to cap credit card interest rates at 10%.

I explore how these moves could impact mortgage rates, affordability, inventory, consumer spending, and economic growth — and why markets are already pricing in volatility, opportunity, and risk.

🧠 Topics We Cover:

• Trump’s $200B mortgage bond (MBS) plan and its impact on rates
• How this compares to COVID-era quantitative easing
• What the market is already pricing in for 2026
• The Jerome Powell investigation and Fed independence concerns
• Using 401(k) and 529 funds to boost homeownership
• Institutional investors, inventory, and housing supply dynamics
• The proposed 10% credit card rate cap and its economic risks
• How credit access, consumer spending, and GDP are connected
• What falling rates could mean for buyers, refis, and home prices
• Why policy decisions often create unintended ripple effects

👉 This episode connects the dots between politics, policy, and the bond market.
🔔 Don’t miss out! Subscribe and stay ahead of the game with Market Shares.
📌 New episodes drop every Friday at 10 AM PT!

Is the housing market really frozen by low-rate homeowners - or is that just a headline myth?

In this episode of Market Shares, I break down the data behind the so-called “lock-in effect” and reveal what’s actually driving buyer and seller behavior heading into 2026. From interest rates and inventory to equity, credit, and housing mobility, you’ll get a clear, data-backed view of where the market is going and how to position yourself ahead of the next shift.

If you’re in mortgage or real estate and want a smarter outlook on the 2026 housing market, this episode is a must-watch.

🧠 Topics We Cover:

• Is the mortgage lock-in effect real or overstated in today’s housing market?
• What current mortgage rate distribution (3%, 6%, 7%+) reveals about homeowner behavior
• Why homeowners are still buying and selling despite previously low interest rates
• How home equity, credit scores, and the “cash cushion” are fueling housing mobility
• The impact of rising insurance costs, property taxes, and lifestyle moves on transactions
• Inventory levels, foreclosure trends, and how today compares to historical norms
• What these housing market trends mean for buyers, sellers, and mortgage professionals in 2026

👉 This episode breaks down the data, trends, and strategies you need for 2026.
🔔 Don’t miss out! Subscribe and stay ahead of the game with Market Shares.
📌 New episodes drop every Friday at 10 AM PT!

2026 housing and mortgage trends are shaping up differently than most people expect.

In this episode of Market Shares, I break down what loan officers and real estate professionals need to know for 2026: where rates are headed, why inventory is finally near normal, how spreads and the labor market are impacting affordability, and why Non-QM lending is becoming a must-know strategy. I also dive into income growth, equity, and refinance opportunities—and share why mindset and performance matter just as much as the numbers.

This episode cuts through the hype and shows what’s really happening in the housing market, and how you can position yourself to win.

🧠 Topics We Cover

• Realistic 2026 housing market forecast and trends
• Interest rate predictions, mortgage spreads, and the “5-handle” effect
• Inventory returning to historical norms and what it means for buyers
• Labor market, bond market, and recession risk insights
• Affordability, rising income, and homeowner equity driving opportunity
• Strategic refinance and cash-out opportunities for loan officers
• Why Non-QM lending is growing and how to leverage it
• How mindset, habits, and personal growth impact performance
• Opportunities for loan officers to increase production in 2026

👉 If you want actionable insights, realistic forecasts, and strategies to win this year, this episode is for you.
🔔 Don’t miss out! Subscribe and stay ahead of the game with Market Shares.
📌 New episodes drop every Friday at 10 AM PT!

Dual licensing is shaking up real estate—but it’s not what most people think.

In this episode of Market Shares, Loan Agent Kathy Helbig-Strick and I break down why more agents are getting their mortgage license, how FHA rules cleared the path, and why transparency and compliance make this model safer—not riskier. We also unpack what the NAR lawsuit really means for commissions, buyer agreements, and agent dynamics.

Learn how dual licensing protects clients, prevents blown deals, and builds stronger agent–lender partnerships—without doing two full-time jobs. Whether you’re curious or skeptical, this is the real story behind the trend.

🧠 Topics We Cover

• Real-world impact of the NAR settlement on commissions and buyer agreements
• How commission transparency is changing agent dynamics
• Why most sellers are still paying buyer agent commissions
• Why dual licensing is gaining momentum for real estate agents
• How mortgage licensing builds agent knowledge and confidence
• Compliance, disclosure, and the FHA rules that cleared the path
• Reducing deal fallout, missed deadlines, and client risk
• Building stronger, transparent agent–lender partnerships
• Small thinking vs. abundance thinking in growing referral networks
• How education, structure, and accountability drive success in dual licensing

👉 This conversation cuts through the myths and shows why transparency, compliance, and partnerships matter more than ever.
🔔 Don’t miss out! Subscribe and stay ahead of the game with Market Shares.
📌 New episodes drop every Friday at 10 AM PT!

In this episode, I break down everything mortgage professionals need to know heading into 2026. From a full recap of 2025 market trends to what’s next for rates, refinancing, and strategic growth, this episode covers it all. 

Learn why mortgage rates track oil prices, how a soft labor market and moderate inflation could keep rates in the high 5% range, and the opportunities lurking in refinance and non-QM loans. I also share practical advice on dialing in your database, executing strategic refinances, and building stronger referral networks to stay competitive in a challenging market.

🧠 Topics We Cover
• 2025 housing, mortgage, and economic market recap
• 2026 mortgage rate forecast and trends
• How oil prices and labor market data influence rates
• Inflation and economic signals to watch
• Capturing refinance opportunities beyond rate drops
• Non-QM loans, bank statement loans, and asset depletion programs
• Database management, strategic planning, and strike rates for borrowers
• Building and nurturing referral networks in a low-volume market
• Actionable strategies for mortgage professionals to start 2026 strong

👉 This episode gives actionable insights and strategies to finish 2025 strong and start 2026 ahead.
🔔 Don’t miss out! Subscribe and stay ahead of the game with Market Shares.
📌 New episodes drop every Friday at 10 AM PT!

In this episode, I break down why the latest Fed rate cut actually improved mortgage rates and what made this one different. We dig into market expectations, Treasury purchases, and how these moves felt a lot like quiet quantitative easing.

We also examine AI as a real economic force: massive investment is boosting productivity and GDP, but not necessarily jobs, challenging assumptions about growth, employment, and household stability.

Plus, I share a real-world AI story that exposed the risks of overconfidence, shallow sourcing, and blindly trusting AI tools. A reminder that logic, verification, and human judgment still matter.

🧠 Topics We Cover in This Episode

• Why this Fed rate cut improved mortgage rates when others didn’t
• How market expectations and “priced-in” decisions work
• Treasury purchases and quiet quantitative easing
• Labor market weakness and missing economic data
• AI infrastructure, productivity gains, and their impact on jobs
• How AI challenges traditional economic assumptions
• Real-world examples of AI overconfidence and errors
• Using AI smarter with verification, logic, and multiple sources

👉 This episode is full of smarter insights on rates, jobs, and the forces shaping the economy.
🔔 Don’t miss out! Subscribe and stay ahead of the game with Market Shares.
📌 New episodes drop every Friday at 10 AM PT!