Mortgage Tech Talks

By Tom HallTechnology

Mortgage Tech Talks episodes

July 11, 2025E81: 3 ChatGPT Prompts to Use As a Mortgage Broker in 2025
In this episode of Mortgage Tech Talks, I’m not just talking about AI... I’m showing you exactly how to use it. I walk you through three powerful ChatGPT prompts (plus a bonus fourth) that you can copy and paste today to actually grow your mortgage business.
Most people are still using AI the way they used Google — and that’s a huge mistake.
I’ll show you how to get way better results by treating ChatGPT like a business partner, not just a search engine.
You’ll learn:
How to generate new business in a tough market using AI
The single most effective way to write ChatGPT prompts
How to use different GPT models depending on your goals
5 time-saving ways to automate your workflow as a mortgage broker
And how ChatGPT can help you structure complex deals like a pro
If you’re in the mortgage industry and want to save time, close more deals, and finally get value out of these tools — this episode is for you.
📍 Timestamps:
00:00 – Intro: Why this is the most tactical episode yet
00:20 – Prompt 1: How to get new business fast using ChatGPT
02:00 – What makes a great AI prompt (tone, constraints, specificity)
06:00 – ChatGPT’s 6 strategies for mortgage brokers in a tough market
08:40 – Prompt 2: How to plan for long-term success using the GPT-4 "thinking model"
10:15 – What model you should actually be using in ChatGPT (and why it matters)
12:00 – Prompt 3: AI prompts to save hours in your mortgage workflow
14:00 – Deal structure brainstorm: ChatGPT as your second brain
16:00 – Why the same prompt can get you completely different (but valuable) results
17:00 – Final takeaways from the long-term planning prompt
18:00 – Niches to explore: Renewals, debt consolidation, equity release
19:00 – Recommended tools + skills to level up as a broker
21:00 – BONUS Prompt: Let ChatGPT help you structure a deal in real time
21:45 – Final recap + why the time to start using AI is right now
If this gave you some ideas, let me know in the comments — or just try one of the prompts I shared and see what happens.
Let’s stop talking about AI in theory… and actually start using it to grow our businesses.
– Tom
#MortgageBroker #MortgageTech #ChatGPT #AIforBusiness #GPT4 #MortgageMarketing #RealEstateTech
23 min
July 04, 2025E80: The Mortgage CRM Godfather is All-In on AI with MCC's Rich Spence
In this episode of Mortgage Tech Talks, host Tom Hall sits down with Rich Spence, President of Mortgage Centre Canada (part of the DLCG network), for a powerful deep dive into the past, present, and future of mortgage tech.
Rich shares:
His origin story launching Nexxa, the first web-based CRM for brokers
The mindset and grind that helped scale to 7,000+ users
How DLCG and Velocity are future-proofing the mortgage industry
Why emotional intelligence is just as important as AI
And how consumer expectations are forcing innovation faster than ever
Whether you're a broker, lender, tech founder, or industry leader—this episode will challenge how you think about change, innovation, and what it really takes to stay relevant.
📍 Timestamps
00:00 – The future belongs to brokers who text
00:20 – The power of DLCG’s network and tech adoption
01:00 – Meet today’s guest: Rich Spence
02:00 – The untold origin story of Nexxa CRM
05:00 – How they scaled to 7,000 mortgage brokers
08:30 – Building software by hand—then hitting the phones
10:00 – What brokers can learn from DLCG's growth
14:00 – The evolution of Velocity and its rapid release cycle
18:00 – Why persistence and iteration drive tech success
21:00 – AI, cold calls, and the irreplaceable human touch
25:00 – How brokers need to adapt to Gen Z and tech trends
29:00 – What your clients expect (and how DLCG is building it)
34:00 – Why the right partnerships matter in 2025 and beyond
🔗 Connect with Rich Spence
Instagram: @richspence3
LinkedIn: @richspence3
✅ If you enjoyed this episode, subscribe for more insights from top minds in mortgage and financial tech.
💬 Leave a comment sharing your favourite insight or takeaway.
#MortgageTech #DLCG #RichSpence #VelocityCRM #MortgageBroker #AIInMortgages #BrokerInnovation #CRM #MortgageIndustry #TechForBrokers
40 min
June 27, 2025 E79: How Accountability is the Key to Mortgage Success with Karen Wilson
In this episode of Mortgage Tech Talks, Tom sits down with Karen Wilson — founder of Broker Complete and VP of Training & Operations at DLC Elite Team — to unpack what truly drives success in today’s mortgage industry: trust, accountability, community, and process efficiency.
Karen shares her journey from running a successful fitness business to becoming a leader in the mortgage world, drawing powerful lessons about relationship-building, creating accountability structures, and optimizing your business for long-term growth.
If you’re a broker looking to strengthen your client relationships, scale your business, and implement more effective systems — this conversation is packed with practical insights.
👉 Follow Karen on Instagram: https://www.instagram.com/brokercomplete/
Timestamps:
00:00 – Why trust is the most valuable currency in today’s mortgage industry
01:11 – Welcome and intro: Who is Karen Wilson?
02:45 – Karen’s background in the fitness industry and transferable skills
05:19 – Rebranding from fitness to finance: The learning curve
08:06 – How accountability groups helped Karen scale her mortgage business
09:13 – Building an accountability call that delivers real industry value
11:30 – The "give, give, give, ask" principle for long-term relationship-building
14:36 – Why trust-building matters more than rates or speed
15:29 – Leveraging tech to scale personal connections
16:40 – Types of social media content that actually build trust
19:14 – Human, imperfect content vs polished posts
20:14 – Coaching agents to recognise when to seek help and training
22:00 – Mapping your client process from lead gen to post-close
25:28 – Customising your mortgage process to match your strengths
27:44 – Process first — then pick the right tech or team
29:18 – The wrong way to implement new tools — and how to avoid it
32:14 – Why free services often have low follow-through — and how accountability changes that
34:12 – Building a brokerage culture of high standards and high expectations
35:18 – The value of surrounding yourself with high achievers
37:05 – Recognising opportunities and relationships that move your business forward
39:22 – How to connect with Karen and learn more about Broker Complete and DLC Elite Team
41 min
June 20, 2025 E78: How I Would Start a Mortgage Tech Business TODAY
In this episode of Mortgage Tech Talks, I’m pulling back the curtain on everything I’ve learned building BluMortgage—and what I’d do differently if I were starting from scratch today.
I’m walking you through how I’d think about:
→ Building a simple, addictive product
→ Structuring a freemium model
→ Leveraging referrals over paid ads
→ Using AI (the right way)
→ And why simplicity always wins
Whether you’re in mortgage tech or any kind of SaaS, this episode will give you a fresh framework to think about how to build and scale your next product.
👇 Full timestamps below — enjoy the episode and leave a comment if you’d take a different approach!
Timestamps:
00:00 — Why AI should not be forced into your product
01:00 — If I launched a new mortgage tech company today
02:10 — The 3 key lessons from building BluMortgage
04:00 — What should your product actually offer?
06:00 — How to make your product simple and addictive
09:00 — Why onboarding should feel as seamless as Facebook or TikTok
11:00 — How to improve your product without feature bloat
12:30 — Why simplicity is harder than complexity
14:00 — How I’d market the product (freemium + referrals)
15:45 — How to drive viral referrals inside your app
16:50 — Why trade shows and in-person events still matter
17:45 — The right way to use AI inside your company
19:20 — Final thoughts + a challenge for you
👍 If you enjoyed this episode, hit Subscribe for more weekly insights from the world of mortgage tech and SaaS.
#MortgageTech #SaaSBusiness #FinTech #BluMortgage #AIInBusiness
20 min
June 13, 2025E77: Desjardins, New CMA Features, and M3 VIP Trip
In this episode of Mortgage Tech Talks, Tom breaks down the biggest shifts happening in Canada's mortgage technology landscape — from major lender-platform disconnections to what AI could mean for the future of mortgage app development.
We cover:
Why top lenders are cutting ties with major tech platforms
Real examples of platform incentives (like free trips) and their long-term strategy
A powerful update from Ben Salami (Canadian Mortgage App) and why his coding approach is a game-changer
The potential of AI tools like ChatGPT to empower non-coders to build game-changing tools
If you're a mortgage professional, lender, tech builder, or just love staying ahead of the curve in this space—this one’s for you.
👇 Timestamps
00:00 – Can ChatGPT turn mortgage pros into coders?
00:44 – Welcome to the episode + key themes
04:25 – Platform economics: Why lenders are switching highways
05:34 – Exclusive partnerships: Not new, but more aggressive
06:12 – Could this fracture the marketplace model?
07:27 – Will brokers be forced into multiple portals?
08:04 – Industry-wide implications: are platforms losing value?
08:37 – M3 VIP trip strategy breakdown
09:26 – Platform incentives: the “free dry cleaning” analogy
10:47 – Boss, Uber, and network effects
12:01 – More users = more leverage with lenders
13:04 – Ben Salami’s new CMA feature release
13:58 – Scenario planning tools for mortgage brokers
14:40 – Comparing fixed vs. variable + lender options
15:34 – Why Ben's speed in building is his superpower
16:46 – Iteration cycles: 1 week vs 10 minutes
17:25 – How AI might democratize fast iterations
18:26 – Final thoughts + call to share
🔔 Don’t forget to like, comment, and subscribe for more weekly insights on mortgage tech, tools, and trends.
#mortgagetechnology #mortgagebroker #canadianmortgage #mortgageplatforms
19 min
June 06, 2025 E76: Market Update- Brokerage Receivership, Interesting Analytics and Big Winners
If your brokerage went under tomorrow—would your business survive?
In this episode of Mortgage Tech Talks, Tom breaks down a powerful video from Ron Butler that’s making waves across the mortgage industry. From ownership of your domain and CRM to warning signs your brokerage might be in financial trouble, this episode is a wake-up call for brokers in Canada.
Timestamps:
00:00 – Why every broker must own their domain, inbox, and CRM
01:21 – Welcome to Mortgage Tech Talks
01:42 – Ron Butler’s video breakdown: What happens if your brokerage collapses?
03:08 – The danger of relying on your brokerage for commission payments
05:23 – Signs your brokerage might be in financial trouble
06:07 – How to protect your business before it’s too late
06:43 – The tech barriers that keep brokers stuck
07:01 – 3 things your brokerage might control that you need to own
08:00 – Step-by-step: how to get your tech stack independent
10:02 – Mortgage payment surge projections
11:53 – Why inflation rising again could be a disaster
13:21 – Who are mortgage tech platforms really built for?
14:03 – The 4 audiences mortgage tech must serve
15:23 – The trade-offs platforms make to keep lenders happy
15:42 – Shoutout to Scarlett Jo Factory: Canadian Mortgage Award wins
16:19 – BluMortgage wins at the Mortgage Awards of Excellence
17:02 – What this award means for the BluMortgage team
17:39 – Final thoughts and viewer call-to-action
28:34 – BONUS: Recap of the tech ownership framework for brokers
Whether you’re a new broker or a seasoned pro, this episode gives you practical advice to bulletproof your business—and insights on how the industry is evolving in real time.
#mortgagebroker #mortgagetech #canadianmortgages #realestatecanada #mortgageadvice
Let me know if you'd like a shorter version for Spotify or LinkedIn as well.
18 min
May 30, 2025 E75: The Most Practical AI Tool in 2025: AI Note Takers
In this episode of Mortgage Tech Talks, Tom dives deep into one of the most practical AI tools available to mortgage brokers today: AI-powered note-taking bots.
You’ll learn how tools like Fathom, Fireflies, and Otter are transforming how brokers run client meetings, track follow-ups, and stay compliant — all while saving time and improving client service. Tom breaks down the exact features that make these tools game-changers, how to integrate them with your CRM for max efficiency, and which platform fits your workflow best.
If you're a mortgage broker, financial advisor, or service-based professional running multiple meetings per week — this tech is a no-brainer.
🔧 Want to automate your notes, track commitments, and improve compliance? Start here.
📍 TIMESTAMPS
00:00 – Why handwritten notes still matter — and how AI note-takers complement them
01:11 – What are AI meeting bots and how do they work?
02:00 – How AI agents join your Zoom, Google Meet, or Teams calls
03:20 – Full transcript + meeting summary explained
04:45 – Custom summaries using frameworks like BANT
06:45 – Creating post-call checklists from AI takeaways
08:10 – How AI bots assist with training and coaching new team members
09:30 – Turning meeting snippets into internal learning playlists
11:00 – Using AI transcripts inside your CRM for deeper client tracking
12:10 – Unlocking call analytics and sales insights
13:10 – Automating tasks from AI takeaways directly into your workflow
14:00 – Compliance benefits of full transcripts
15:14 – Tool breakdown: Fathom vs. Fireflies vs. Otter
17:00 – When to use each tool (Zoom meetings, mobile recordings, integrations)
19:11 – Final thoughts + why these tools may become essential in your tech stack
✅ Keywords: mortgage broker technology, AI note taker, Fathom vs Otter vs Fireflies, best note-taking app for mortgage brokers, CRM integration, meeting productivity tools, compliance tools for brokers, AI meeting summaries, automate meeting notes
🔔 Like what you heard?
Subscribe to Mortgage Tech Talks and share this episode with one colleague who needs to hear it.
Your referrals help us grow—one listener at a time.
#mortgagebroker #aitechnology #productivitytools #fintech #mortgagetech
20 min
May 23, 2025 E74: The Secret That Drives All of Canadian Mortgage Tech
In this episode of Mortgage Tech Talks, we pull back the curtain on a multi-million dollar secret most mortgage brokers never think about: your deal submission platform isn’t really free—and the reason why explains almost everything happening in the mortgage tech world today.
You’ll learn how lenders fund the systems you use, how that affects your brokerage’s software decisions, and what the future might look like in an AI-driven world.
Whether you're a broker, lender, or tech enthusiast—this is the episode that connects all the dots.
⏱️ TIMESTAMPS:
0:00 – Smaller brokerages building their own tech “pipes”
0:48 – Welcome + Why this hidden dynamic explains everything
1:36 – The “free” software myth: Who’s really paying?
2:58 – Let’s talk numbers: $95M–$155M annually
4:07 – Breaking down the $315B broker channel
5:20 – How much Velocity earns from lender fees
6:09 – The per-broker revenue reality
7:52 – What platforms are making off your volume
8:36 – How Filogix built the original network and fee model
10:11 – “The house with pipes” analogy explained
12:09 – How Velocity and Finmo gained traction
13:10 – Did Filogix enable their competition?
14:03 – The honey pot is leaking—market share is shifting
15:02 – Why big networks are launching their own platforms
16:24 – New revenue streams and tighter software control
17:40 – Why platforms are stacking on free tools (CRM, payroll, AML)
19:24 – What happens if lenders stop paying the fees?
20:20 – The rise of AI agents and platform-free futures
21:36 – Why brokers need to own their process
22:26 – The risk of misaligned incentives
23:09 – Wrap-up: why this matters more than ever

#mortgagetech #mortgagebroker #fintech #mortgageindustry #mortgageautomation
24 min
May 16, 2025 E73: Pineapple+, Centum and RMA, New Government
In this episode of Mortgage Tech Talks, Tom dives into the future of Canadian housing—and shares a bold theory: government-built homes might just become a new asset class.
He also breaks down the latest in mortgage tech innovation, including a deep review of Pineapple Plus, the all-in-one platform making waves in the broker space. Plus, he covers big leadership moves in the mortgage industry and what they could mean for tech adoption across brokerages.
Whether you're a mortgage broker, industry insider, or just want to stay ahead of what's next in real estate, this episode is packed with insight.
📌 Timestamps:
00:00 – Will government-built homes become a new asset class?
01:09 – Intro & today’s episode overview
02:08 – Pineapple Plus platform: first impressions
04:05 – Key features: CRM, client applications, centralized underwriting
05:19 – Google Drive integration + seamless doc management
05:56 – The paradox of “all-in-one” mortgage systems
07:48 – Simplicity vs. complexity in mortgage software
08:07 – Industry update: Chris Turcotte moves from Centum to TMA
09:18 – Why better tech is influencing brokerage leadership
10:20 – The rise of Velocity and brokerage-led tech tools
11:04 – “Championship teams” vs. “family” in company culture
12:12 – New leadership at Centum: Adrian Schulz steps up
13:14 – Mortgage Monitor: tech tools that analyze your book
14:34 – Will Adrian's promotion help or slow tech innovation at Centum?
14:53 – Political lens: Liberal housing plan & market impact
16:13 – Why 500,000 government-built homes might shift the asset landscape
17:52 – How a new asset class could protect home equity + create opportunity
18:25 – Final thoughts: what it all means for mortgage professionals
19:16 – Closing remarks + comments welcome
💡 Like this episode? Subscribe and comment your thoughts on government-built housing or all-in-one tech platforms for brokers. Your feedback helps shape future discussions!
#mortgagebroker #realestatecanada #mortgagetech #canadianhousing #mortgagepodcast #realestateinvesting #brokerlife
20 min
May 09, 2025 E72: How to Build Game-Changing Mortgage Tech with Finmo's Carter Zimmerman
A bloated feature list doesn’t mean better tech.
In this episode of Mortgage Tech Talks, Tom sits down with Carter Zimmerman, of Finmo, to unpack what actually makes mortgage software successful.
Carter shares how Finmo went from idea to industry leader by focusing on user experience, simplicity, and doing fewer things better.
They cover:
– The myth of the all-in-one system
– Why open platforms win long term
– What AI tools brokers are already using
– How competition fuels innovation in Canadian mortgage tech
– And how Carter’s past in marketing shaped Finmo’s product vision
If you’ve ever asked “why can’t my tech just work?”, this episode is for you.
TIMESTAMPS:
00:00 – “Just because you have the features… doesn’t mean you have the features.”
01:16 – Carter’s origin story: from Facebook ads to Finmo
04:21 – The shocking state of mortgage tech in 2017
06:56 – How early feedback loops built Finmo fast
09:57 – Why trying to solve everything at once kills momentum
11:52 – The role of rest, flow state, and personal performance
14:14 – Using competitiveness as a mindset advantage
17:00 – “We’re not finding our foothold—we’re building a mountain.”
19:36 – The myth of the all-in-one platform
23:36 – Why UX feature checklists in 2025 mortgage tech
27:37 – What brokers really want and why execution wins
Connet with Carter Zimmerman
https://www.linkedin.com/in/carter-zimmerman-7753495b/
🎧 Tune in to our podcast for on-the-go learning stay ahead in the game!
https://wavve.link/mortgagetechtalks
📱Connect with Tom on Instagram
https://www.instagram.com/mortgage_tech_tom/
📱Connect with Tom on LinkedIn
https://www.linkedin.com/in/tomhall8/
📱Connect with Massimo on Instagram
https://www.linkedin.com/in/massimoianniruberto/
Make sure to 🔔 SUBSCRIBE, 👍 LIKE, and 💬 COMMENT below to let us know what you think!
40 min