The Collective Podcast

Using a tool like ChatGPT when used properly can increase the sum of your income. On this episode Kellen and Sean Z discuss the opportunities ChatGPT creates and how they both are using the AI tool. 

1:30 Creating an impact for the future

4:40 Using ChatGPT

11:00 Examples of using AI

14:30 The importance of prompts

18:20 Use AI as an opportunity

Takeaways:

The invest you make today is going to pay off 3, 6, 12 months down the road and it will continue to pay off.

ChatGPT is a tool, not a replacement, for creating content. 

Using a tool like ChatGPT is great way to remove blocks when you are staying a blank page when thinking about what to write. 

Don’t just copy and paste the output. You need to put your touch on it for it to make the biggest impact. 

Use the fact that AI is a trending topic as an opportunity to talk to your agents and schedule some time. 

Quotes:

“There is nothing more important in the business than investing in yourself right now.”

“You have to give ChatGPT clear instructions for it to work correctly.”

“The number one thing is that inputs equals outputs and what you put in it matters so much.”

“ChatGPT isn’t going to post the social media, but it can give you the ideas.”

Show Links:

April 27th Event:  https://nl.nextlevello.com/next-level-live-dfw-20221675870300638

Community Platform: www.BecomeNL.com 

Strategy Call: www.NLStrategyCall.com  

Podcast Partner: https://rebeliq.com

Social Media:

Facebook - https://www.facebook.com/NextLevelLoanOfficers/

YouTube - https://www.youtube.com/channel/UCwSyHzkvBri1YWJSH7df1CQ

LinkedIn - https://www.linkedin.com/company/next-level-loan-officers/about/

The more people you network with, the more business you will do. It's that simple. On this episode, The Home Loan Mom, Kristi Norton, joins Sean and Shane to discuss how her networking focus has helped her succeed as an originator. Kristi also discusses how her positive mindset and experience, outside of mortgage, have helped her shape her business. 

1:45 Intro to Kristi

8:06 Mindset

13:00 Experience outside of mortgage

16:50 Power networking

24:19 Being disciplined 

Takeaways:

A negative mindset in a negative market will not be conducive to success. 

No matter how bad your days get, you must keep going because there is no other option. 

Focus on building relationships with the people you know in your sphere of influence. 

Not being afraid to be out there, networking, and creating relationships is one of the greatest superpowers you can have in this business. 

If your market has broker caravans, that is a great opportunity for networking. 

If they remember your brand, it is ok if they don’t remember your name. 

Quotes:

“Every day is a new day, every day is different.”

“Tomorrow is another opportunity to make sure we do things right.”

“The only thing we really can control is the thing between our ears.”

“I have done a lot of different things, and all of those things have really informed of how I run my business."

“I did a lot that was unpaid, but it was all great training for being in mortgage.”

“Next Level helped me tap into what I have done in the past and how to make it work.”

Show Links:

April 27th Event:  https://nl.nextlevello.com/next-level-live-dfw-20221675870300638

Community Platform: www.BecomeNL.com 

Strategy Call: www.NLStrategyCall.com  

Podcast Partner: https://mortgage.leadpops.com/nextlevel/ 

Social Media:

Facebook - https://www.facebook.com/NextLevelLoanOfficers/

YouTube - https://www.youtube.com/channel/UCwSyHzkvBri1YWJSH7df1CQ

LinkedIn - https://www.linkedin.com/company/next-level-loan-officers/about/

Sometimes doing what is required in this business can be painful. But you have to weigh that against not doing what should be doing, as there is going to be pain either way. On this episode KT and Kellen talk about being honest with yourself so that you can break out of your negative thoughts and tough situation to chart a path to success. 

3:15 Being honest about where you are

6:55 Choose your pain

11:00 Opportunity are everywhere

17:05 Fish where the fish are

21:00 Commit to action

Takeaways:

You may have a lot of doubt about your future in this business and that it is ok to have doubt. 

Sometimes doing what is required isn’t fun. 

Mindset will decide whether you will win or lose in the downturn. 

There is always opportunity if you have the right mindset. 

Home values are holding and some places still going up. 

There are so many things you can do right now, if you choose to do them. 

If you made 100 calls a month, it would be impossible for you to not find a deal, as long as those calls have value.

Quotes:

“Maybe you are at a point to where you aren’t sure if you want to stay in this business.”

“There is pain either way. If you don’t do what’s required, there is pain in not making money.”

“Sometimes the pain isn’t great enough for them to make a move.”

“Educate yourself as an originator to learn about loan programs that you don’t know about.”

“I think a lot of loan officers are waiting to be ready.”

“Do something today, that you didn’t do yesterday.”

Show Links:

April 27th Event:  https://nl.nextlevello.com/next-level-live-dfw-20221675870300638

Community Platform: www.BecomeNL.com 

Strategy Call: www.NLStrategyCall.com  

Podcast Partner: https://mortgage.leadpops.com/nextlevel/ 

Social Media:

Facebook - https://www.facebook.com/NextLevelLoanOfficers/

YouTube - https://www.youtube.com/channel/UCwSyHzkvBri1YWJSH7df1CQ

LinkedIn - https://www.linkedin.com/company/next-level-loan-officers/about/

You don't have to talk about products or rates to get business. You simply have to provide value that the competition can't or won't. On this episode, Quinton Harris of The Market Distillery joins Brett May and KT to talk about how he uses data to separate himself in the Jacksonville market. Quinton discusses how he uses data to generate business and create conversations outside of just being a mortgage loan officer providing a commodity service. 

1:15 Intro to Quinton 

5:15 Separating yourself 

8:30 Using data to generate business

12:10 Leveraging data in a smaller market

15:00 Using data to overcome objections

20:21 Going deeper than the headlines.

Takeaways:

Having a podcast is a powerful tool to reach anyone you want. 

In mortgage we are all selling the same thing, so you have to focus on value to the market to truly separate yourself.

Anyone can find data, but to use it strategically that adds value is what matters. 

Creating another business channel outside of origination allows you to use that business channel to create origination opportunities. 

Sellers are the only ones that come out ahead when there is a rate drop. 

Lower rates may mean a great cost because there will be more demand than there is in a high rate environment. 

Understanding the real estate data allows you to be more strategic with your conversations.

Quotes:

“Our goal is to have a podcast that everyone can be a part of.”

“We rarely talk about products and we rarely talk about rates.”

“Every time we do a presentation, it leads to multiple contracts before we even walk out the door.”

“It doesn’t matter how big or small your market it is, it’s can you be the local economist in that market.”

“The minute these rates dip, and they will dip, you will be battling 50% more competition than you are right now.”

Show Links:

April 27th Event:  https://nl.nextlevello.com/next-level-live-dfw-20221675870300638

Community Platform: www.BecomeNL.com 

Strategy Call: www.NLStrategyCall.com  

Podcast Partner: https://mortgage.leadpops.com/nextlevel/ 

Social Media:

Facebook - https://www.facebook.com/NextLevelLoanOfficers/

YouTube - https://www.youtube.com/channel/UCwSyHzkvBri1YWJSH7df1CQ

LinkedIn - https://www.linkedin.com/company/next-level-loan-officers/about/

How would you like 75% of your business to come from referrals? Relationships turn into revenue when you spend more time with the people you know than those you don't know. On this episode Linda Davidson joins Kellen to share her systems of success and how that has created a massive referral business for her. 

1:30 Linda’s three keys when she started

7:05 Doing business your way

10:50 System of residuals 

16:55 System specifics

20:10 Staying in touch

Takeaways:

Systems and processes can fix and prevent a lot of problems. 

Not knowing how to properly structure a deal is not a recipe for success. 

Be better than the underwriter up front by taking pride in the work you do upfront. 

Put yourself in a position where everyone wins. 

You have to have a relationship in order to have a long-term relationship.

Make sure your important actions are non-negotiable. 

You need to build relationships quick to create stickiness.

Quotes:

“Systems don’t have a bad day.”

“The second thing I was told in this business was that I must be better than the underwriter.”

“There is enough stress in this business without you causing your own stress.”

“Don’t rely 100% on automation to keep in touch with your clients.”

“You can’t fast forward the relationship.”

Show Links:

April 27th Event:  https://nl.nextlevello.com/next-level-live-dfw-20221675870300638

Community Platform: www.BecomeNL.com 

Strategy Call: www.NLStrategyCall.com  

Podcast Partner: https://mortgage.leadpops.com/nextlevel/ 

Social Media:

Facebook - https://www.facebook.com/NextLevelLoanOfficers/

YouTube - https://www.youtube.com/channel/UCwSyHzkvBri1YWJSH7df1CQ

LinkedIn - https://www.linkedin.com/company/next-level-loan-officers/about/

Success is not always a straight line. Sometimes you have to take a look at where you are and ask yourself; Are you in the right boat? On this episode, Kellen and Shane discuss resetting your path, defining your success, and building brand awareness that isn't just a soundbite. 

1.30 The great reset

7:20 What does success means to you

9:20 Being known and memorable

13:00 Using stories

20:00 Who has the answers

Takeaways:

Sometimes you need to reset where you are and what you are doing, when you aren’t happy. 

You define what success means to you. 

It’s ok to say you have failed and that you need pivot. 

Brand awareness isn’t just a soundbite, it is a true driver of business.

When it comes to being the digital mayor, you have to have likability. 

Short-form stories are a tactic that should not be ignored. 

Create a folder of story style content to use in your marketing.

Quotes:

“Sometimes you have to scuttle your boat.”

“What do you do when you know you need to change?”

“The biggest asset for me to build momentum, was to be the most likable and memorable.”

“Comparing yourself to others, will never bring you success.”

Show Links:

April 27th Event:  https://nl.nextlevello.com/next-level-live-dfw-20221675870300638

Community Platform: www.BecomeNL.com 

Strategy Call: www.NLStrategyCall.com  

Podcast Partner: https://mortgage.leadpops.com/nextlevel/ 

Social Media:

Facebook - https://www.facebook.com/NextLevelLoanOfficers/

YouTube - https://www.youtube.com/channel/UCwSyHzkvBri1YWJSH7df1CQ

LinkedIn - https://www.linkedin.com/company/next-level-loan-officers/about/

The lesson is simple. Embrace where you are, learn to love the challenge, and beat the competition because their focus is on things they can't control. On this episode Sean Z talks about not letting the things that don't matter take your focus away from what is important. 

1:30 Change in the times

3:05 Letting things get to you

5:40 What are you doing now

7:55 Looking forward to the challenge

Takeaways:

You don’t get rid of bad habits. You have to create good habits to overcome what isn’t working. 

Don’t let things that don’t matter take your attention away from things that do matter. 

What are you doing now to set yourself up for success later?

Embracing where you are at is how you win. 

Tough times will create tough businesses. 

Competition is leaving the market which creates massive opportunity. 

Quotes:

“Sometimes this job is harder than it seems and sometimes it is easier than it seems”

“Only that which I give power, has power.”

“Everybody’s rates are higher than they were last year. We can’t control that.”

“Are you going to choose to love fate?”

Show Links:

April 27th Event:  https://nl.nextlevello.com/next-level-live-dfw-20221675870300638

Community Platform: www.BecomeNL.com 

Strategy Call: www.NLStrategyCall.com  

Podcast Partner: https://mortgage.leadpops.com/nextlevel/ 

Social Media:

Facebook - https://www.facebook.com/NextLevelLoanOfficers/

YouTube - https://www.youtube.com/channel/UCwSyHzkvBri1YWJSH7df1CQ

LinkedIn - https://www.linkedin.com/company/next-level-loan-officers/about/

Rebel Academy. 

When mistakes are made, you need to own it, fix it, and take responsibility. In this episode, Kellen and Sean Z discuss how having tough conversations and taking responsibility can actually lead to more business. 

1:15 DFW live event

2:45 Tough conversations

13:00 Taking responsibility

Takeaways:

Avoiding tough conversations with your consumers can erode trust. 

Don’t run away from things you can’t control, instead be an educator, lean into them and explain why they happened. 

Sometimes things just go bad. You have accept it, own it, and move on.

Quotes:

“I never met a problem that got better with age.”

“LOs bury their head in the sand. Hope it’s going to get better, pretend it’s going to go away, and in reality it only gets worse.”

“Because this deal messed up, I have a better chance of getting a new referral partner, because I took responsibility.”

Show Links:

April 27th Event:  https://nl.nextlevello.com/next-level-live-dfw-20221675870300638

Community Platform: www.BecomeNL.com 

Strategy Call: www.NLStrategyCall.com  

Podcast Partner: https://mortgage.leadpops.com/nextlevel/ 

Social Media:

Facebook - https://www.facebook.com/NextLevelLoanOfficers/

YouTube - https://www.youtube.com/channel/UCwSyHzkvBri1YWJSH7df1CQ

LinkedIn - https://www.linkedin.com/company/next-level-loan-officers/about/

Interrupting the pattern, creating content, marketing consistency, execution, and creating solid agent relationships have been major keys to growing origination. On this special 200th episode, the guys look back at the tactics that have made the most impact for them. 

1:30 Reflecting back

7:57 The 5k & 10k guarantee 

15:45 Content & social media

21:10 Creating agent relationships

Takeaways:

The biggest impact for Kellen was the 10k guarantee on his pre-approval. 

Major Key: Pattern Interrupt 

You don’t have to be an expert to win on social media.

Major Key: Consistency 

Learning about agents by asking questions instead of fire-hosing agents with everything that is good about you.

Major Key: Being interested rather than interesting. 

Quotes:

“We offer something for everybody, no matter where you are at in your business.”

“We want the next level community to be a place of resources, knowledge, inspiration, and accountability.”

“We don’t theorize on what we should do; show me what we should do.”

“If you become excellent at one thing every month, you will be at an entirely different place in your business.”

Show Links:

April 27th Event:  https://nl.nextlevello.com/next-level-live-dfw-20221675870300638

Community Platform: www.BecomeNL.com 

Strategy Call: www.NLStrategyCall.com  

Podcast Partner: https://mortgage.leadpops.com/nextlevel/ 

Social Media:

Facebook - https://www.facebook.com/NextLevelLoanOfficers/

YouTube - https://www.youtube.com/channel/UCwSyHzkvBri1YWJSH7df1CQ

LinkedIn - https://www.linkedin.com/company/next-level-loan-officers/about/

Create an endless supply of opportunities for your business by having conversations that other loan officers don't. KT, Sean Z, and Kellen discuss how educating agents  on niche programs will generate referral leads across the entire spectrum on loan products. 

3:30 Meeting buyers where they are

6:52 Creating conversations

12:55 Getting smart on different products 

Takeaways:

Just because you market a product doesn’t mean that is the only product you can do. 

Use niche products to get your foot in the door to have conversations that lead to other types of business. 

Lead generation comes down to having conversations.

Helping agents close deals they weren’t going to be able to close is how you can create true value. 

Quotes:

“A lot of borrowers are sitting on 2-4% interest rates and they aren’t going anywhere.”

“There is a huge market for the underserved right now.”

“Agents appreciate education.”

“One of my goals is to have at least two conversations with an agent that I am not in a transaction with.”

“Lead with education. Whoever educates the best will win.

Show Links:

April 27th Event: Next Level Live

Community Platform: www.BecomeNL.com 

Strategy Call: www.NLStrategyCall.com  

Podcast Partner: https://mortgage.leadpops.com/nextlevel/ 

Social Media:

Facebook - https://www.facebook.com/NextLevelLoanOfficers/

YouTube - https://www.youtube.com/channel/UCwSyHzkvBri1YWJSH7df1CQ

LinkedIn - https://www.linkedin.com/company/next-level-loan-officers/about/