You walk out of a conference (or finish a webinar) with pages of notes and a head full of ideas… and for about 48 hours, you’re fired up. Then Monday hits.

A deal blows up. A Realtor needs something “right now.” Underwriting asks for one more thing. Your phone never stops buzzing. And the strategy you promised yourself you’d finally implement (your CRM, referral follow-up, content, process) gets pushed to the side again.

In this episode of The 360 Experience Podcast, Loan Atlas founder Tim Braheem steps into the guest seat for a direct, unscripted conversation about the real reason most mortgage professionals stay stuck: planning without execution, and execution without a plan. With more than 30 years in the mortgage industry, experience as a top-producing originator, and over 15 years coaching elite producers, Tim knows exactly how the best originators actually create momentum…and what keeps most from reaching the next level.

Top Takeaways for Loan Officers:

1️⃣ How to design a simple business plan that actually gets implemented (why 1–3 goals beats 12 every time)

2️⃣ How to stop abandoning personal and professional goals halfway through by mapping clear, realistic action steps before you commit

3️⃣ How to carve out sacred “on-the-business” time that compounds into higher income, better systems, and less burnout

This is the framework Tim has taught to high-performing loan officers who’ve built scalable businesses and lives they enjoy. If you’ve been working hard but feeling scattered, reactive, or frustrated by unfinished initiatives, this episode will help you slow down, get clear, and start executing with confidence again.

ABOUT TIM BRAHEEM

With more than 25 years of experience as a highly successful mortgage professional, industry leader, educator, and life coach, Tim Braheem is committed to engaging with people on a deep level and helping them uncover the barriers they have placed in the way of having the level of success they deserve in both their business and personal lives.

FOLLOW

Instagram ► https://www.instagram.com/tbraheem/

LinkedIn ► https://www.linkedin.com/in/timbraheem

THE LOAN ATLAS

JOIN ► https://go.theloanatlas.com/membership

FOLLOW

Instagram ► https://www.instagram.com/theloanatlas/

YOUTUBE ► https://www.youtube.com/@LoanAtlas

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When the market gets tough, most originators feel pressure. But Barry Habib knows what it means to face something far bigger than a tough market — and still show up with strength, clarity, and optimism.

In this episode of The 360 Experience podcast, Barry joins Tim to talk about the mindset that carried him through his recent cancer battle…and how those same principles apply to the way we operate as mortgage professionals today. They also dive into his outlook for rates, inflation, and why he believes 2026 could be a very prosperous year for prepared originators.

Top Takeaways for Loan Officers:

1️⃣ How Barry stayed mentally strong through the darkest moments of his cancer battle — and how that same inner strength applies to your business and your production

2️⃣ Why some loan officers really struggled in 2025 while others quietly built one of the best years of their careers

3️⃣ Barry’s outlook for 2026 — rates, refis, MI opportunities, and the return of movement in the housing market

This episode is a reminder that our work as loan officers isn’t just about production or pipelines, but about how we show up when things get difficult…for our clients, our families, and ourselves.

ABOUT TIM BRAHEEM

With more than 25 years of experience as a highly successful mortgage professional, industry leader, educator, and life coach, Tim Braheem is committed to engaging with people on a deep level and helping them uncover the barriers they have placed in the way of having the level of success they deserve in both their business and personal lives.

FOLLOW

Instagram ► https://www.instagram.com/tbraheem/

LinkedIn ► https://www.linkedin.com/in/timbraheem

THE LOAN ATLAS

JOIN ► https://go.theloanatlas.com/membership

FOLLOW

Instagram ► https://www.instagram.com/theloanatlas/

YOUTUBE ► https://www.youtube.com/@LoanAtlas

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Starting a mortgage career is hard enough. Starting in your late 40s—with no industry background—and still becoming a $100M producer by year three?

That’s the story of Larry Gonzales, and it’s one every loan officer who wants to grow their mortgage business should hear. This episode breaks down the mindset, networking strategies, and niche loan products that helped Larry win in one of the most competitive real estate markets in the country.

Larry isn’t doing it with magic leads or gimmicks. He’s doing it with old-school fundamentals and ruthless consistency updated for the modern market. You’ll hear how he went from “brand new LO nobody knew” to the VA and Non-QM go-to on Oahu, the “digital mayor” of his market, and a relentlessly disciplined operator who’s built a life and business that actually feel good to live in.

Top Takeaways for Loan Officers:

1️⃣ How Larry hired support early, stopped processing his own loans, and focused his time on what actually moves the needle: shaking hands, kissing babies, status calls to listing agents, and being seen in the community—online and offline.

2️⃣ The exact rhythm for weekly content: market updates, MBS Highway data, local Board of Realtors stats, and short educational reels. Plus, how to hire a VA team that repurposes one 15–20 minute video into a week’s worth of social content and newsletter touchpoints.

3️⃣ The 4:00 AM routine, journaling, gratitude, and planning rituals that keep top producers sharp, and how Larry expanded from VA specialist into Non-QM, DSCR, bank statement, and foreign national loans—plus how he uses stories and lunch & learns so Realtors and CPAs actually know what he can solve.

Books Mentioned in This Episode

Becoming Supernatural: How Common People are Doing the Uncommon – Dr. Joe Dispenza

Ninja Selling – Larry Kendall

Givers Gain: The BNI Story – Dr. Ivan Misner

ABOUT TIM BRAHEEM

With more than 25 years of experience as a highly successful mortgage professional, industry leader, educator, and life coach, Tim Braheem is committed to engaging with people on a deep level and helping them uncover the barriers they have placed in the way of having the level of success they deserve in both their business and personal lives.

FOLLOW

Instagram ► https://www.instagram.com/tbraheem/

LinkedIn ► https://www.linkedin.com/in/timbraheem

THE LOAN ATLAS

JOIN ► https://go.theloanatlas.com/membership

FOLLOW

Instagram ► https://www.instagram.com/theloanatlas/

YOUTUBE ► https://www.youtube.com/@LoanAtlas

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If you feel like you’re working twice as hard for half the results, it’s not the market holding you back. It’s the inner work you haven’t done yet.

In this solo episode of The 360 Experience podcast, Tim Braheem takes you deep into the real engine behind every originator’s success: the 60,000–90,000 thoughts they think each day, and the emotions and energy those thoughts create.

So many loan officers struggle with call reluctance, fear of rejection, perfectionism, people-pleasing, and burnout. Tim explains why these patterns have nothing to do with scripts or skill, and everything to do with old belief systems running silently in the background.

This is the inner game behind the outer results.

Top Takeaways for Loan Officers:

1️⃣ Why 80–90% of your thoughts today are the same ones you had yesterday, and how those loops directly influence production, relationships, and mindset.

2️⃣ How survival patterns formed early in life (perfectionism, people-pleasing, avoiding conflict) become hidden blockers in business, and how to rewire them.

3️⃣ A practical framework for creating space between stimulus and response so you stop reacting, start responding, and lead from a calm, grounded, high-energy state.

Links to purchase the books Tim Mentioned:

The Big Leap by Gay Hendricks

Man's Search for Meaning by Viktor Frankl

ABOUT TIM BRAHEEM

With more than 25 years of experience as a highly successful mortgage professional, industry leader, educator, and life coach, Tim Braheem is committed to engaging with people on a deep level and helping them uncover the barriers they have placed in the way of having the level of success they deserve in both their business and personal lives.

FOLLOW

Instagram ► https://www.instagram.com/tbraheem/

LinkedIn ► https://www.linkedin.com/in/timbraheem

THE LOAN ATLAS

JOIN ► https://go.theloanatlas.com/membership

FOLLOW

Instagram ► https://www.instagram.com/theloanatlas/

YOUTUBE ► https://www.youtube.com/@LoanAtlas

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Ever have one of those weeks where you swear you’re going to make the calls, follow your plan, and finally break through that production plateau—only to end Friday frustrated, staring at an empty tracker? 

Every loan officer has battled inconsistency, self-doubt, and that little voice saying, “I’ll start fresh next week.” So, how do you replace motivation with measurable consistency and finally stick to your plan?

In this episode of The 360 Experience, Tim Braheem sits down with Cody Hardridge, a Marine-turned-top-producing originator and now a respected coach who scaled to 400 families a year by mastering personal discipline and daily consistency. Cody has helped countless originators turn scattered activity into unstoppable momentum, and he reveals the exact systems, mindset shifts, and micro-habits that made it possible.

Top Takeaways for Loan Officers:

1️⃣ How to replace motivation with measurable consistency and finally stick to your plan

2️⃣ The “one-call-a-day” system and colored-dot tracking method that compound into record months

3️⃣ Why integrity with YOURSELF is the single most important skill for growth in this market

If you’ve been stuck measuring results instead of behaviors, this episode will reignite your fire and give you a practical blueprint to crush your business and personal goals.

ABOUT TIM BRAHEEM

With more than 25 years of experience as a highly successful mortgage professional, industry leader, educator, and life coach, Tim Braheem is committed to engaging with people on a deep level and helping them uncover the barriers they have placed in the way of having the level of success they deserve in both their business and personal lives.

FOLLOW

Instagram ► https://www.instagram.com/tbraheem/

LinkedIn ► https://www.linkedin.com/in/timbraheem

THE LOAN ATLAS

JOIN ► https://go.theloanatlas.com/membership

FOLLOW

Instagram ► https://www.instagram.com/theloanatlas/

YOUTUBE ► https://www.youtube.com/@LoanAtlas

----------

Mentioned in this episode:

Book a Strategy Call with The Loan Atlas!

Follow the link below to schedule a demo session with our team!

Ever feel like you’re grinding all day but not really gaining traction?

That was Scott Taylor just 18 months ago — brand new to the mortgage business at 64 years old, sitting in an office being told to “pound the phones.”

Instead of quitting, Scott built a thriving, multi-state business using nothing but relationships, education, and heart. In this episode, Tim Braheem sits down with Scott to uncover the exact playbook he used to go from zero to a packed pipeline in one of the toughest markets in decades.

Scott’s story is proof that when you lead with value, people notice.

Top Takeaways for Loan Officers:

1️⃣ How to transform your personal network into a consistent source of clients and Realtor partners (without cold calling).

2️⃣ The mindset and scripting behind “selling outcomes, not rates”—including how to teach clients about debt management, strike rates, and term reductions.

3️⃣ How to scale your business with virtual assistants, clear baton passes, and systems that keep you out of the weeds and in front of opportunities.

ABOUT TIM BRAHEEM

With more than 25 years of experience as a highly successful mortgage professional, industry leader, educator, and life coach, Tim Braheem is committed to engaging with people on a deep level and helping them uncover the barriers they have placed in the way of having the level of success they deserve in both their business and personal lives.

FOLLOW

Instagram ► https://www.instagram.com/tbraheem/

LinkedIn ► https://www.linkedin.com/in/timbraheem

THE LOAN ATLAS

JOIN ► https://go.theloanatlas.com/membership

FOLLOW

Instagram ► https://www.instagram.com/theloanatlas/

YOUTUBE ► https://www.youtube.com/@LoanAtlas

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One loan, done right, should lead to three, five, even ten more over time. If your clients aren’t coming back and sending friends, you’re doing it wrong. This episode will show you how to turn each deal into a lifetime of income.

Tim Braheem sits down with industry legend and President of Benchmark Mortgage, Jim McMahan, who has spent nearly four decades in the mortgage trenches building one of the most respected origination businesses in the country. 

Jim is the guy who taught Tim the art of scripting, objection handling, and creating clients for life. He’s built a career (and now an entire company) on the principle that you don’t need everyone, you just need the right people. And when you master that, your business becomes an annuity that pays for decades.

Top Takeaways for Loan Officers:

1️⃣ How to develop a “credible market opinion based on fact” so your clients trust you over the news and never question your authority again.

2️⃣ The exact scripting and practice disciplines that turn objections into opportunities and build confidence when clients start shopping you on price.

3️⃣ Why affinity partners are your untapped goldmine, and how to turn every file into introductions to CPAs, financial advisors, and attorneys who can feed you business for life.

Jim has weathered seven market cycles, built a company of 700 employees, and continues to create impact in this industry every single day. If you want to stop losing clients on price and start building a business that pays you for decades, this conversation is your roadmap.

ABOUT TIM BRAHEEM

With more than 25 years of experience as a highly successful mortgage professional, industry leader, educator, and life coach, Tim Braheem is committed to engaging with people on a deep level and helping them uncover the barriers they have placed in the way of having the level of success they deserve in both their business and personal lives.

FOLLOW

Instagram ► https://www.instagram.com/tbraheem/

LinkedIn ► https://www.linkedin.com/in/timbraheem

THE LOAN ATLAS

JOIN ► https://go.theloanatlas.com/membership

FOLLOW

Instagram ► https://www.instagram.com/theloanatlas/

YOUTUBE ► https://www.youtube.com/@LoanAtlas

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In this episode of The 360 Experience Podcast, Tim Braheem takes mortgage loan officers into one of the most important conversations of our time: artificial intelligence and its role in transforming the mortgage business.

Joining Tim are Mary Hurd and Sebastian “Seb” Assaf, founders of Haavn AI in London. With decades of experience at Google, Microsoft, YouTube, and Meta, Mary and Seb bring rare insight into what’s possible with AI and how mortgage professionals can apply it today. They dive deep into the tools, prompts, and frameworks that originators can implement immediately to gain an edge and stay on the forefront of the AI revolution.

Top Takeaways for Loan Officers:

1️⃣ How to brief AI like your eager intern so it becomes a true teammate in role-play, objection handling, and sales prep.

2️⃣ The transcript-to-follow-up system that turns every client or Realtor meeting into same-day action steps and personalized outreach.

3️⃣ The 90-day nurture campaign framework you can build, launch, and improve with AI to stay top-of-mind with past clients and partners.

We want to hear from you! What challenges are you facing in your business right now? Email us at [email protected] with your questions and struggles - you may hear them answered in a future episode.

DOWNLOAD THE FREE RESOURCE FROM MARY AND SEB

https://haavn.ai/360-experience

Get in touch with Mary and Seb: https://haavn.ai/

Check out Notebook LM: https://notebooklm.google/

_________________________________________________________________

Unlock the Systems Top Producers are Using to Differentiate Their Value and Thrive in Any Market

🏆 Join The Loan Atlas

Get the training, tools, and coaching you need to elevate your mindset, your energy, and your production ► https://go.theloanatlas.com/membership

🎧 Subscribe to The 360 Experience Podcast

Don’t miss future conversations designed to help you win in business and in life ► https://www.theloanatlas.com/podcast/

📺 Explore The Loan Atlas YouTube Channel

Discover what’s working for mortgage originators right now and learn secrets from top producers you can apply in your business today ► https://www.youtube.com/channel/UC4kM-D-PB6H8lgi6cHGzoRw

_________________________________________________________________

➡️ ABOUT TIM BRAHEEM

With more than 25 years of experience as a highly successful mortgage professional, industry leader, educator, and life coach, Tim Braheem is committed to engaging with people on a deep level and helping them uncover the barriers they have placed in the way of having the level of success they deserve in both their business and personal lives.

➡️ TIM'S PRIVATE COACHING ► https://www.performance-experts.com/

➡️ ABOUT SEBASTIAN ASSAF

Sebastian brings over a decade of experience from Google, YouTube, and Apple to the challenge of defining visual identities for new technologies. At YouTube, he led art direction for the platform's first advanced effects suite, combining top creative talent with cutting-edge AI to empower millions of creators. Working with Google Research's speculative design team, he shaped early concepts and user experiences for pioneering AI technologies,

including early versions of Gemini, AI operating systems, and AI agents.

➡️ ABOUT MARY HURD

Mary helps people and teams make sense of change. For more than a decade, she’s launched products used by billions, shaped global brands, and led high-performing teams. As Global Program Lead at Meta, she introduced the company’s first professional certifications and rolled out WhatsApp Communities worldwide. As a Product Marketing Manager at Google, she steered the European launch of the Google Assistant. Combining

product strategy with facilitation and coaching, Mary builds enablement programs that bridge technology, learning, and innovation.

➡️ TIM'S PRIVATE COACHING ► https://www.performance-experts.com/

➡️ FOLLOW TIM BRAHEEM

Instagram ► / tbraheem

LinkedIn ► / timbraheem

➡️ FOLLOW THE LOAN ATLAS

Instagram ► / / theloanatlas

#TheLoanAtlas #The360Experience #MortgageCoaching #MortgageSuccess #MindsetMatters #MortgageAdvisor #MortgageBusiness #MortgageLeadership #SelfMastery

Mentioned in this episode:

Book a Strategy Call with The Loan Atlas!

Follow the link below to schedule a demo session with our team!

You know the feeling: your pipeline is light, Realtors aren’t answering, and your clients are all locked into 3% mortgages. You start asking yourself, “Where are the deals? How do I even stand out anymore?”

That’s exactly why Tim Braheem and The 360 Experience podcast brought on Jeremy Forcier, a 20-year mortgage veteran who consistently ranked as a National Top Producer with more than $150 million in personal annual production. Jeremy’s been through every cycle this business can throw at you, and his region is thriving - generating over $1 billion in yearly volume.

This conversation is a masterclass in what it really takes to win in 2025’s market. Jeremy opens up about his mistakes, the lessons that shaped him, and the exact strategies he’s using today to generate warm leads, build deeper client trust, and lead with confidence.

Top Takeaways for Loan Officers:

1️⃣ How to mine your database like gold, even when every client is locked into a low rate.

2️⃣ The mindset shift that turns fear into fuel and transforms you from a salesperson into a trusted advisor.

3️⃣ Proven scripts and strategies to win Realtor trust by solving their real problems, not pitching them canned value props.

We want to hear from you! What challenges are you facing in your business right now? Email us at [email protected] with your questions and struggles - you may hear them answered in a future episode.

➡️ Learn more about READ AI ► https://www.read.ai/

➡️ Check out I Will Teach You to be Rich ► https://www.iwillteachyoutoberich.com/

_________________________________________________________

ABOUT TIM BRAHEEM

With more than 25 years of experience as a highly successful mortgage professional, industry leader, educator, and life coach, Tim Braheem is committed to engaging with people on a deep level and helping them uncover the barriers they have placed in the way of having the level of success they deserve in both their business and personal lives.

FOLLOW

Instagram ► https://www.instagram.com/tbraheem/

LinkedIn ► https://www.linkedin.com/in/timbraheem

THE LOAN ATLAS

JOIN ► https://go.theloanatlas.com/membership

FOLLOW

Instagram ► https://www.instagram.com/theloanatlas/

YOUTUBE ► https://www.youtube.com/@LoanAtlas

----------

Ever chased a lead, called twice, and written them off when they didn’t respond? We’ve seen it happen again and again with loan officers who are frustrated in this market. We all want instant gratification, but most of our consistent, profitable business will come from the long game.

The problem? If you don’t have the discipline, follow-up systems, and mindset to stay in the hunt for months, you’re handing deals to your competitors.

That’s why we had to bring on Dave Panozzo—a decorated U.S. Army veteran, $100M+ real estate producer, lifestyle performance coach, and co-leader of one of Arizona’s top real estate teams. Dave rebuilt from losing everything in 2008 to running a 25-agent, nationally recognized team. His approach to lead conversion, personal discipline, and removing toxic influences is exactly what loan officers need to thrive right now and adapt to market changes.

Here’s what you’ll take away from this episode:

1️⃣ How to master the long game in lead follow-up so you stay top-of-mind for 7–9 months until your clients are ready to move.

2️⃣ Strategies to build daily discipline that stacks small wins every morning and fuels consistent production all year.

3️⃣ How to remove the “commission breath” by leading with service and creating human connections that earn repeat and referral business for life.

If you’re serious about turning every lead into a long-term client and building a business that lasts through any market, this conversation will provide unmatched value

📚 Get the book that helped fuel Dave’s transformation: The 10X Rule: The Only Difference Between Success and Failure by Grant Cardone — https://www.amazon.com/10X-Rule-Difference-Between-Success/dp/0470627603

We want to hear from you! Email [email protected] with questions or challenges in your mortgage business so we can help you overcome the roadblocks that keep you from scaling.

__________________________________________________

Unlock the Systems Top Producers are Using to Differentiate Their Value and Thrive in Any Market

ABOUT TIM BRAHEEM

With more than 25 years of experience as a highly successful mortgage professional, industry leader, educator, and life coach, Tim Braheem is committed to engaging with people on a deep level and helping them uncover the barriers they have placed in the way of having the level of success they deserve in both their business and personal lives.

FOLLOW

Instagram ► https://www.instagram.com/tbraheem/

LinkedIn ► https://www.linkedin.com/in/timbraheem

THE LOAN ATLAS

JOIN ► https://go.theloanatlas.com/membership

FOLLOW

Instagram ► https://www.instagram.com/theloanatlas/

YOUTUBE ► https://www.youtube.com/@LoanAtlas

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