In this deeply personal and power-packed episode, Fobby sits down with his longtime friend and mortgage industry veteran, Kevin DeLory, Chief Lending Officer at EPM. What unfolds isn’t just a leadership lesson — it’s a masterclass in authenticity, resilience, and real connection.

Kevin and Fobby reflect on their 12-year friendship, which started at Carrington Mortgage in 2012 when both were rebuilding after the 2008 meltdown. Despite time and distance, their bond has remained strong, grounded in trust, loyalty, and shared experience.

The heart of the conversation centers on Kevin’s unique leadership philosophy: the Three Ps — People, Problems, and Profit. He challenges the traditional obsession with title, power, and pay, and instead champions a leadership style rooted in listening, caring, and doing the right thing when no one’s watching.

Notable Quotes:

“I never wanted to be a leader. But when six people looked at me and asked, ‘What do we do next?’ — I realized I didn’t have a choice. They chose me.” – Kevin DeLory

“If you want the gold, talk to your people. Get to know them. Listen. Care. That’s where real leadership lives.” – Kevin DeLory

"There’s always going to be another mountain to climb… I was looking for an outside solution to fix an inside problem." – Fobby

What You'll Learn:

• Why the Three Ps (People, Problems, Profit) matter more than Position, Pay, and Power

• How authentic friendships fuel long-term leadership growth

• The power of leading by example — and never asking your team to do what you wouldn’t

• What real influence looks like in today’s mortgage industry