Laugh, Lend and Eat
By Fobby Naghmi
Fobby and Madison are both engaging and personable, and their combined years of mortgage experience allow the guests to be able to share valuable insights, whether on sales strategies, fintech, or a number of topics; The guests have the comfort of knowing their experience is being shared properly.
If you want to increase your awareness of the mortgage business, be sure to listen to Laugh, Lend, and Eat!
Laugh, Lend and Eat May 31, 2023
From Housing Trends to Personal Growth w/ Joe Panebianco
Welcome to another captivating episode of the Laugh, Lend & Eat podcast! In today's show, we embark on a remarkable journey with our special guest, Joe Panebianco, CEO of AnnieMac Home Loans. Join our host, Fobby Naghmi, as he explores the fascinating world of housing market trends, personal growth through stoicism, and the power of giving back to the community. Get ready to be inspired and motivated as we uncover the key takeaways from Joe's transformative story.
Fobby sets the stage by addressing the prevalent housing crunch and the shortage of available inventory in the market. He highlights the urgency to find solutions and shares insights from The New York Times editorial that shed light on the limited number of listings nationwide. A seasoned expert, Joe Panebianco, explains how the rapid absorption of mortgage originations has led to a scarcity of refinancing opportunities and available homes for sale. He emphasizes the need to motivate sellers by assuring them of low-interest rates and reduced financial burdens, thus reinvigorating the housing market.
Fobby takes a moment to acknowledge Joe's expertise and shares how his previous talk on writing one's own obituary impacted him. Joe reflects on the differences between the 2008 and current housing crises, highlighting the challenges of limited inventory and affordability concerns. He emphasizes the importance of maintaining a positive mindset and viewing these challenges as opportunities rather than insurmountable obstacles. The conversation highlights the need for continuous improvement and personal growth in navigating the housing market.
In a departure from the usual discussions, Fobby delves into the topic of government involvement in addressing the shortage of new homes. He emphasizes the need for incentives and improved infrastructure to encourage the creation of housing options. Joe acknowledges the significance of government intervention but sheds light on the challenges posed by local zoning committees. He stresses the importance of finding ways to facilitate the construction of affordable starter homes, addressing the demand for smaller, more affordable properties.
The conversation takes a fascinating turn as Fobby explores Joe's personal growth journey. Joe reveals how his exploration of stoicism through reading ignited a transformative change in his life. He emphasizes the importance of timing and personal investment in the growth process. Joe encourages listeners to explore diverse topics and find their own sources of inspiration, resonating with their own experiences. He shares valuable insights into self-reflection, goal setting, and finding balance in various aspects of life.
Philanthropy and Giving Back: The final segment focuses on Joe's dedication to giving back to the community. He reveals his organization's philanthropic endeavor centered around supporting military veterans and their well-being. Joe expresses his admiration for the US military and shares how his organization sponsors dogs trained to provide support and companionship to veterans, particularly those with PTSD. The conversation highlights the transformative power of philanthropy and the impact individuals and organizations can make by aligning their efforts with causes that resonate deeply with their values and passions.
As we conclude this enlightening episode, we reflect on Joe Panebianco's incredible transformation journey. From navigating the challenges of the housing market to embracing stoic philosophy and making a difference through philanthropy, Joe's story is a testament to the power of mindset shifts, personal growth, and giving back. We encourage you to embrace the lessons learned and consider how to apply them to your life. Remember, your journey of transformation starts with a willingness to explore, grow, and make
Unconventional Wisdom: Carl White's Perspective on Success
In this episode of Laugh, Lend & Eat, our host Fobby Naghmi is joined by the founder of Mortgage Marketing Animals, Carl White. Carl shares his unconventional but highly effective strategies for success in the mortgage industry. Through his straightforward and no-nonsense approach, Carl emphasizes the importance of building relationships, leveraging realtor referrals, and focusing on proven methods rather than chasing social media trends. Let's delve into the key takeaways from this insightful conversation.
Redefining Failure and Embracing Testing: Carl believes that redefining how we perceive failure is crucial. By considering unsuccessful attempts as learning experiences rather than failures, loan officers can eliminate the fear of failure and become more open to testing new strategies. Carl, a meticulous tester himself, highlights the importance of studying and testing various approaches to identify what works best.
Embrace the Power of Offers and Rejections: Carl's formula for success is simple: offers minus rejections equals money. He emphasizes that loan officers must make more offers to increase income, which naturally leads to more rejections. Rather than trying to avoid rejections, focus on increasing the number of offers made. Loan officers can achieve greater success by reframing rejections as a natural part of the process.
The Art of Simplification: Carl encourages loan officers to avoid overcomplicating processes. While being intelligent is valuable, overthinking and making things more complex can hinder success. Carl believes in being brilliant at the basics and removing distractions. Loan officers can maximize their efficiency and productivity by streamlining workflows and focusing on what works.
Realtor Referrals and Past Database Marketing: According to the Mortgage Bankers Association, realtor referrals are the top source for loan officers, accounting for 35% of loans. Carl emphasizes the importance of building strong relationships with real estate agents and leveraging their referrals. Additionally, he highlights the effectiveness of marketing to past clients and their friends and family. By nurturing these relationships, loan officers can generate a significant portion of their business.
The Surprising Role of Social Media: Contrary to popular belief, the influence of social media in the mortgage industry is relatively low. The Mortgage Bankers Association's data revealed that only 3% of loans originated through social media, while online search accounted for 11%. Carl encourages loan officers to prioritize realtor referrals and past database marketing, which have proven to be more effective in generating business.
Conclusion: Carl's unorthodox but highly effective strategies offer valuable insights for loan officers aiming to thrive in the mortgage industry. Loan officers can achieve remarkable success by redefining failure, embracing testing, focusing on relationship-building, and leveraging realtor referrals. While social media and online search have their place, Carl emphasizes the importance of prioritizing proven methods and avoiding the distractions of trendy marketing approaches. By implementing these principles, loan officers can elevate their performance and build a thriving business.
LLPAs, Women's Finances, and Real Estate
Join Fobby Naghmi as he learns from Madison Keenan an eye-opening statistic about women and credit card debt. Women tend to have higher credit card debt than men, and it's a problem that needs to be addressed. Madison was shocked to learn that women couldn't even open a credit card until 1974, highlighting the systemic undereducation of women in finances. But don't despair! The hosts offer a glimmer of hope with some excellent resources to empower women.
As mortgage industry professionals, Fobby and Madness have a wealth of experience and knowledge to share, and they don't disappoint in this episode. They start by discussing loan-level price adjustments (LLPAs), which have been a source of confusion for many people. The hosts explain that LPAs are not new and are designed to mitigate risk. They also explore how credit scores and down payments can affect LLPAs, but note that it's a case-by-case situation. They also share their predictions for the future of LLPAs and suggest that the introduction of LLPAs for DTI ratios by Fannie Mae will help to balance everything out. Additionally, they briefly touch upon the potential benefits of increasing the credit spectrum to allow more homeowners to buy homes.
Moving on, Fobby and Madness turn their attention to the current state of the housing market. With a low number of available housing listings and a high number of licensed real estate agents, the demand for homes is at an all-time high. The hosts explore the implications of this trend, discussing the challenges prospective buyers face and how the industry adapts to meet their needs.
The conversation then takes a personal turn as Madison shares a recent experience with a client who failed to disclose important information, leading to complications in the loan process. They use this example to highlight the importance of transparency in mortgage and real estate transactions and to encourage listeners to be forthcoming with all relevant information.
And finally, Fobby and Madness give listeners a taste of what's to come by previewing their upcoming guests, including Linda Percoco, the owner of Max Title Agency, who has 25 years of experience in owning her own title company.
With humor, insight, and practical advice, Laugh, Lend and Eat with Madness is an engaging and entertaining episode of Laugh, Lend, and Eat with Madness. They are exploring a wide range of topics in their signature lighthearted and informal style. Before delving into the fascinating world of mortgages and real estate, the hosts take a meandering journey through various subjects, including personal videos, technical issues, and favorite music.
Coaching Is A 2-Way Street
If you're a mortgage loan officer who wants to excel in your career or someone who is interested in the mortgage industry, coaching, or personal growth, this episode is for you! In this episode, we're joined by three experts in the mortgage industry: Shawn Weeks, Kim Clancy, and Byron Thomas. These professionals discuss the importance of coaching with Fobby of 20/20 Vision for Success as the way for them to grow and succeed. Mortgage loan officers are responsible for helping people navigate the complex process of buying or refinancing a home. To excel in this role, it's essential to have a thorough understanding of the industry and to be able to communicate effectively with clients. However, even the most experienced loan officers may face challenges such as burnout, self-doubt, or a lack of direction. This is where a professional coach comes in. A coach can help loan officers identify their strengths and weaknesses, set goals, and develop a plan for achieving those goals. Coaches can also provide valuable feedback and support, helping loan officers stay motivated and focused even during difficult times. During the podcast, the guests discuss their own experiences with coaching and offer insights into finding the right coach, preparing for coaching sessions, and understanding the coaching timeline. They also highlight the importance of pushing comfort zones and being open to learning new things. Byron emphasizes the impact his military training has had on his mortgage career. Keywords: mortgage industry, coaching, personal growth, professional development, loan officer, finding the right coach, coaching timeline, military background.
Boosting Content with ChatGPT
Do you want to take your social media presence to the next level? Then you won't want to miss our latest podcast episode, where we chat with Joe Wilson, Founder of SocialCoach, about the power of ChatGPT and other strategies for boosting your content.
This episode covers everything you need to know about using AI to enhance your social media game, from the basics of ChatGPT to how it can help with image suggestions, hashtags, and written content with a human touch.
Joe shares his tips on running contests and giveaways and why collaboration is critical to success.
So whether you're a seasoned social media pro or just starting, this episode is packed with actionable advice on taking your content to the next level.
So tune in now to learn from the best and get ready to boost your SEO and engagement!
• [04:14] What is ChatGPT?
• [06:33] SocialCoach integrating ChatGPT.
• [07:51] What you need to know about AI bots.
• [18:02] ChatGPT's image suggestions.
• [19:21] How much should people be posting on social media?
• [24:01] Why ChatGPT is important for content creation.
• [28:37] Written content with a human touch.
• [32:38] Using hashtags properly.
• [35:57] Engaging with the audience.
• [43:34] Collaboration.
• [48:10] Contests and giveaways.
• "We're just scratching the surface of what is possible with AI."
• "There's nothing you can't have this AI simulate."
• "When you want to engage with content, you have to do it smartly and strategically."
• "You are never going to make money based on the answers you have. You're going to make money based on the questions you ask."
• "Collaboration is key to success."
Rewriting the Job Search Rulebook: Tips for Making Bold Career Moves
What is the risk of staying in your current job? Is it courage or faith that pushes us to leap into the unknown? In today's rapidly changing job market, career decisions can be daunting. Get ready to make informed career decisions with hosts Fobby Naghmi and Michael David Chapman on the latest episode of "Beyond the Numbers."
Here are the highlights of this engaging and informative episode:
Risk Versus Reward
One of the biggest challenges people face when considering a job change is weighing the potential risks versus the rewards. The hosts explore the risks of changing jobs, including uncertainty and reputational risk, and how these can outweigh the rewards. They provide real-world examples of people who have taken big risks in their careers and share valuable insights into making informed decisions.
Emotional Awareness and Accountability
When it comes to making important career decisions, emotional awareness and accountability are key. The hosts emphasize the importance of having unbiased people in one's life who can help weigh the risks and make the best decisions. They discuss the role of fear and how it can hold people back from acting. They suggest that acknowledging one's fears, moving forward with faith, and trusting that things will work out is an important step toward making informed decisions.
The Importance of Courage
The hosts touch upon the concept of courage and how it can be a deciding factor in making big career moves. They describe courage not as the absence of fear but as the willingness to act despite fear. They encourage listeners to embrace their fears and take calculated risks, reminding them that success often requires stepping outside their comfort zone.
"No Company Is Perfect"
The conversation then shifts to "no company is perfect," which some candidates may use to decline a job offer. While it may be true that no company is perfect, the hosts caution against using this statement as a cover for unrealized fear or as a way to generalize and broad brush a company. They advise candidates on evaluating risks and rewards when considering job offers, suggesting that a company's values and culture should be considered.
Truth versus "My Truth"
Finally, the hosts propose the topic of the difference between truth and "my truth" and how this can impact one's perceptions and decisions. They suggest that how people perceive and interpret the world is influenced by their experiences and beliefs, which can sometimes lead to misunderstandings or misinterpretations. They invite their listeners to share their thoughts and experiences on this topic, encouraging them to think critically about their own perceptions and beliefs.
Overall, "Beyond the Numbers" hosts offer valuable insights and perspectives on risk, courage, and decision-making in the context of career and life choices. Their use of personal anecdotes and emphasis on emotional awareness and accountability make for an engaging and thought-provoking podcast episode. Tune in and gain valuable insights for your career journey.
Humanizing Digital Communication with Darin Dawson of BombBomb
Join Fobby Naghmi as he interviews Darin Dawson, the President and Co-Founder of BombBomb, the groundbreaking video messaging platform. In this engaging conversation, Darin shares how he and his co-founder Conor McClusky started BombBomb in 2006, revolutionizing how businesses connect with their potential customers.
Darin describes how BombBomb enables personalized video messages to be sent to potential clients without interrupting them with intrusive calls and emails. With BombBomb, businesses can send engaging video messages that build trust and relationships with their clients while maintaining the human element often lost in digital communication.
The company's name came from a URL Connor had attempted to purchase, "bomb.com," which someone already owned. However, the name "BombBomb" stuck, and the company's fun and unique personality were born. Darin shares how the ease of use and speed of BombBomb ensures that videos never get lost, making it an efficient and reliable communication tool.
But it's not just about convenience and efficiency. Darin emphasizes the need for human connection in a world dominated by digital pollution. In particular, he highlights the importance of humanizing experiences, especially in industries like mortgages, where trust is essential. While technology can make things easier, the human touch builds relationships and trust.
The conversation takes a fascinating turn as the host expresses concerns about the trend of using AI to trick people into thinking they are interacting with real humans. However, Darin believes that authenticity and the human element are crucial in business, and using AI to mislead customers is not the way forward. He shares his experience using a travel agent when planning a trip to Italy, emphasizing the value of personalized human interaction.
So, whether you're a business owner looking to connect with your clients or simply someone who values authentic human connections, this conversation with Darin Dawson is not to be missed!
Highlights:BombBomb is a video messaging platform that allows businesses to send personalized messages to potential customers without interrupting them with calls and emails. The company was founded in 2006 by Darin Dawson and Conor McClusky, who were the first to send a video through email, and the response was overwhelming. BombBomb got its name from a URL that Connor had tried to purchase, "bomb.com," which was already taken. The company's personality is centered around being fun and unique, with a focus on ease of use and speed. The need for human connection in a world dominated by digital pollution is crucial, and BombBomb enables businesses to maintain the human element in digital communication. The importance of humanizing experiences, especially in industries like mortgages where trust is essential, is highlighted. While technology can make things easier, it's the human touch that builds relationships and trust. The use of AI to trick people into thinking they are interacting with real humans is not the way forward, and authenticity and the human element are crucial in business. Personalized human interaction, as experienced through a travel agent when planning a trip to Italy, is still highly valued.
The Power of Execution: Sales Strategies and Social Media Insights w/ Jeff Lobb
In this episode of Laugh, Lend & Eat, host Fobby Naghmi and guest Jeff Lobb, founder, and CEO of Sparktank Media, share an inspiring conversation that will leave listeners motivated and optimistic about their goals and dreams.
The episode covers various topics relevant to anyone who wants to succeed in any industry, particularly in the real estate industry. Lobb shares his insights on the importance of transparency and how he helps real estate agents navigate market shifts and overcome anxiety and stress.
One of the key takeaways from the episode is the importance of execution and accountability in achieving success. The guest shares his experience coaching and motivating people to execute ideas and how only a small percentage of people follow through. However, the conversation is far from discouraging, as the guest and host discuss the role of accountability in motivating people and the psychology behind it.
The episode contains personal anecdotes and inspiring stories of triumph over adversity. Lobb talks about how fear motivates him to keep pushing himself and achieving his goals, even after setbacks. He shares his personal motivator: fear of experiencing his worst moments again. This vulnerability and openness make the episode relatable and inspiring.
The conversation also covers the importance of connecting with people and working hard, particularly in the current market. Lobb discusses the 5% club, which refers to the small percentage of people who execute ideas and excel, while the majority do not. The guest and host talk about the importance of accountability and how motivating people to achieve their plans can be challenging. Still, they also offer practical tips and insights for listeners to put into action.
The episode is not just about personal motivation and accountability, however. Lobb also discusses his approach to providing value to real estate agents and brokerages by helping them with sales strategies, social media tactics, and differentiating themselves in their marketing to beat their competition. He emphasizes the importance of executing these strategies and helping agents with their three pain points of generating listings, leads, and sales.
Overall, this episode is a must-listen for anyone who wants to succeed in business and in life; filled with practical tips, personal stories, and inspiring insights.
Topics covered: Importance of transparency in the real estate industry
-Navigating market shifts and overcoming anxiety and stress
- Execution and accountability are key to achieving success
- Coaching and motivating people
- A small percentage of people follow through
- Psychology of accountability
- Personal anecdotes and inspiring stories of triumph over adversity
- Fear as a motivator
- Connecting with people and working hard
- The 5% club
- Importance of accountability in motivating people
- Providing value to real estate agents and brokerages
- Sales strategies, social media tactics, and differentiation in marketing
-Three pain points of generating listings, leads, and sales
Key takeaways: Execution and accountability are crucial to achieving success
- Fear can be a powerful motivator
- Only a small percentage of people actually follow through on their ideas
- Personal stories and anecdotes can be inspiring and relatable
- Connecting with people and working hard are essential for success
- Real estate agents and brokerages can benefit from sales strategies, social media tactics, and differentiation in marketing
- The three pain points of generating listings, leads, and sales can be overcome with the right strategies and approach
Madness' Tips For Boosting Your Credit Score
Fobby Naghmi and Madison Keenan celebrate the first anniversary of Madison joining the Laugh, Lend & Eat team.
Madison shares some tips on how she helps her borrowers increase their credit scores, including:Keeping credit card balances low and paying them off in full each month Disputing any errors on their credit reports Keeping old credit accounts open to maintain a longer credit history Limiting the number of credit applications and inquiries they make Making all payments on time, including rent and utilities.
They discuss manicures and how they can reflect a Jersey girl's week. As Madness shares her nails, it has been a rough week for Madness.
They also talk about a recent trip Fobby took to Jacksonville, where he saw a customer service rep with very long fake nails. He wondered about the challenges of typing with long nails.
The hosts then reminisce about past episodes and guests, including Kyle Draper, Johnny D, and Steve Scanlon, the "lizard brain guy."
Fobby asks Madison the top three things she's learned from being a podcast host.
First, Madison emphasizes the importance of stepping outside one's comfort zone, which has helped her showcase different aspects of her personality and business.
Secondly, she mentions the importance of time management, which became critical as she had to allocate time for podcasting and other business aspects.
Lastly, she talks about the importance of saying no, which helped her prioritize and focus on what was truly important. Madison also reflects on how podcasting has provided her with a safe space to reflect and learn, and she plans to use these experiences to guide her future endeavors.
At The Intersection of Media and Mortgages w/ Clayton Collins
Episode Summary In today’s episode, we’re joined by Clayton Collins, Founder and CEO of HW Media. We get into the state of the current housing market, the purpose of lawsuits in the industry, HW media’s digital-first newsroom, and use ChatGPT.
Our guest, Clayton Collins, is the CEO of HW Media. He leads HW Media’s corporate strategy and content roadmap while building a world-class team of business media professionals. He is also a managing partner of Riomar Capital, an entrepreneurial investment firm that acquired HousingWire in 2016.
Before finding Riomar Capital, Collins worked in the mergers and acquisitions group at RBC Capital Markets and served as vice president of national sales and marketing at Citibank. Collins holds a degree in business administration from Elon University and completed his MBA at The Fuqua School of Business at Duke University.
• [01:09] Clayton’s eating habits.
• [02:16] HW Media.
• [07:42] HW’s target audience.
• [12:41] Seasoned housing leaders.
• [19:25] What does the housing market look like?
• [25:17] Consolidation. • [28:28] The purpose of litigation.
• [31:40] The HW Newsroom.
• [34:27] Is this a good time to start a business?
• [37:10] ChatGPT.
• “Our experiences can hold us back from opportunities.”
• “A new home is closer to a banana than an existing home.”
• “The right time to start a business is when you’re ready to start a business.”
Relevant Links Website: www.housingwire.com. LinkedIn: Clayton Collins.
Follow the podcast: www.laughlendandeat.com Host: Fobby Naghmi.
Creating Social Media Content with ChatGPT
In this episode, we talk with Joe Wilson, the founder of Social Coach, about developing content ideas for your business using ChatGPT.
Joe emphasizes that technology is only as good as the person using it, and it is important to understand how to use tools like openai.com effectively (which he demonstrates how to access at 8:09 in the episode).He also encourages listeners not to draw boundaries between AI and their personality and to use AI tools to complement their own strengths and expertise (14:19). Joe emphasizes the power of being specific with your questions and how asking the right questions can lead to more valuable insights and content (18:38). The discussion also covers email marketing and database mining and how to use these tools effectively to stay in touch with customers and prospects (24:14). Listeners also learn how to get started with newsletters and the importance of having an SEO strategy for your business (29:06, 32:59). Joe also addresses whether it's necessary to co-author content and how to get a platform for your content (38:06).
This episode is packed with practical tips and advice for anyone looking to improve their content creation process and leverage AI tools in their business.
The Hiring Process is Broken!
Welcome to an exciting episode of our podcast, where we are joined by the incredible Michael David Chapman, Co-Founder of LeadIn Social. Get ready to buckle up and join us as we dive into intriguing topics!
Have you ever heard the phrase "under-promise, over-deliver"? We explore the intentions behind this strategy and whether it's considered false advertising. And let's remember the negative effects of false pride when it comes to underpromising.
Are you someone who struggles with the hiring process? Fear not; we have valuable insights on interview etiquette, bad hires, and verified information. You'll be a hiring pro in no time!
But that's not all; we also delve into personal decision-making processes and how to avoid making bad decisions after 30 years of marriage. And, of course, we could only end this episode by discussing the intent behind our posts.
So join us for an exciting episode full of engaging discussions and key takeaways. And remember, as Michael David Chapman puts it, "It's all about decision-making processes.
• [01:48] Under-promise, over-deliver.
• [05:16] Is it false advertising to under-promise for the purpose of over-delivering?
• [08:20] Under-promising and false pride.
• [09:35] The hiring process posts.
• [15:44] Bad hires with verified information.
• [21:08] Making bad decisions after 30 years of marriage.
• [23:12] Decision-making processes.
• [27:00] Interview decorum.
• [33:50] The intent behind the posts.
• “It’s about decision-making processes.”
Relevant Links Website: leadinmedia.net. LinkedIn: Michael Chapman.
Follow the podcast: www.laughlendandeat.com Host: Fobby Naghmi.
Madness' Blueprint for Attracting Realtors
In today’s episode of LLE with Madness, we get into the new year’s rates, realtors competing with Zillow’s partners, offering social media courses for realtors, the importance of adding extra value to your services, and Madison goes on a rant about crazy borrowers.
• [04:11] The Federal Reserve did not raise the rate.
• [06:40] Madison’s realtor partners.
• [09:30] Competing with Zillow partners.
• [10:54] Social media courses for realtors.
• [17:43] What can realtors do?
• [21:25] Madison’s crazy borrower rant.
• [29:56] Signing off episode 10.
• “Add value to the relationship.”
• “The crazy borrowers never go away, whether you’re busy or slow.”
• “Never worry about what you’re not getting.”
Follow the podcast:
Host: Fobby Naghmi.
Co-Host: Madison Keenan.
Unexpectedly Unemployed: The Reality of Downsizing
Lots of us are in toxic relationships with the mortgage industry. We’re loyal beyond reason to our jobs, yet we can be laid off without notice. At the same time, they’re laying people off; companies are making 7 and 8-figure acquisitions and onboarding 100s of new people. This episode is about breaking your pact of unreciprocated loyalty with your company and finding ways to use your skills to transfer out of the mortgage industry.
We explore how to downsize ethically and what to do after being downsized through the real layoff stories of 3 professionals in the mortgage industry: Dani Hernandez, Brandi Floyd, and Leora Ruzin.
Dani Hernandez is a mortgage underwriting expert.
Brandi Floyd had multiple positions, primarily focused on growth by recruitment.
Leora Ruzin has been in the lending industry for 15 years and is now shifting her career to writing.
What we discussed
(00:24) Layoffs in the mortgage industry
(03:31) The dreaded conversation (getting fired): Is there a right way to let someone go?
(10:39) Would you take a pay cut to save your job?
(14:09) The right way to lay people off
(18:55) How to shift your career away from the mortgage industry.
(29:20) Would you go back to the mortgage industry after a layoff?
(30:51) Vetting the company before accepting the offer
(34:04) Company brand vs. employee reality
(36:32) Lower CPI and jobs
(38:13) Layoffs aren’t the problem
Three tips for shifting your career out of the mortgage industry:Use your resume to get recruiters curious: Resumes don’t get you the job; they get you the interview. You have to give people enough for them to want to know the rest. Please don’t hold your personality back; use it to help you stand out in a sea of bland applications. List out your transferable skills: as a mortgage professional, you’re a jack of all trades. Being a mortgage professional is not one rote skill; if you examine what you can do, you’ll be thinking of the range of alternative careers you can take up.
Questions to ask before accepting your next job:What is your employee turnover? How do you take care of your employees? What is the average length of tenure at your organization? How were your last employee engagement surveys?
Three tips for mortgage companies laying off employees:Layoff decisions shouldn’t happen in a secluded room full of executives; companies should include team members who should engage in decisions that dramatically affect their livelihood. When downsizing, companies must provide a dignified transition plan for their team members. Offer your team members first dibs for alternative positions in your company instead of immediately laying them off. There may be a role they can fill.
Connect with Dani Hernandez: https://www.linkedin.com/in/asktheunderwriter
Connect with Brandi Floyd: https://www.linkedin.com/in/brandi-floyd-cpc-sprw-937b835a/
Connect with Leora Ruzin: https://www.linkedin.com/in/leoraruzin/
Subscribe to our show: Laugh, Lend and Eat Website | Fobby Naghmi’s Website
No Company is Perfect
Do we have perfect companies? Companies that people are happy to work for every day of the year. Probably, we have some.
There is a common narrative where people say, “I love working with X company, but you know no company is perfect.”
The big question is, are people okay with working for companies they believe are not even working toward perfection? Is just settling there the only option they have?
According to Fobby Naghmi, Divisional President of Homecomings Mortgage & Equity, the last thing he would want to hear any of the people he works with is how they love working for Homecomings, but they understand that Fobby and Homecomings are not perfect.
Fobby would like everyone who works for Homecomings feels like they are in the right place. His team trusts him enough to bring up whenever they have an issue with the company. And while some issues would be resolved, some bigger issues may take time, or the answer may be "not at this time." But Fobby would prefer having the dialogue.
In this episode, Fobby and Michael David Chapman discuss how people can make their companies the best workplace. They also look at the different leadership mindsets and people to avoid when hiring, especially if you are looking for loan officers for a mortgage company.
Why candidates say "No company is perfect":Candidates may say this to acknowledge that every company has its challenges and issues. It is also a way to express that they understand that a company is made up of human beings; therefore, there is no such thing as a perfect company. It might also be that the candidate is looking for a company willing to work on improving and addressing any issues that may arise.
Listen in and learn.
Key Talking Points of the Episodes:
[04:52] No company is perfect
[16:01] What is perfect, and what does it look like?
[19:22] The best way to recruit for your company
[27:08] What is the best mindset to have as a leader?
[29:04] Michael and Fobby’s definition of affirmation
Magical Quotes from the Episode:
“Human nature is to minimize.”
“Complacency equates to lack of engagement.”
“If you can't work with me, at least go back, and improve your company. Don't accept the fact that it's not perfect.”
“Recruiting, anybody is like dating. You have to make a decision like, is this person someone that I do want to continue my dates with?”
“If you can't get to perfection, at least try to get to perfection.”
“Great leaders will always see the gap.”
Brand Strategy 2023
On this episode of Laugh, Lend & Eat, your host Fobby Naghmi has a very special guest, Dalila Ramos, the creator of the very popular "Taco Tuesday."
Today we'll be discussing the importance of having a brand strategy.
First, let's start by explaining what a brand strategy is. A brand strategy is a long-term plan to develop a successful brand to achieve specific goals. It includes the brand's mission, values, and positioning in the market.
Now, let's get into the top reasons why a brand strategy is essential.A brand strategy helps to define your target audience and communicate your message to them. Understanding your audience can tailor your messaging and marketing efforts to reach and resonate with them effectively. A brand strategy helps to differentiate you from your competition. In a crowded market, it's important to stand out and be unique. A well-defined brand strategy helps you do just that by highlighting what makes your brand special and why customers should choose you over the competition. A brand strategy helps to build trust and credibility with your audience. By consistently communicating your values and mission, you can establish yourself as a trustworthy and reliable source in your industry. A brand strategy helps to guide decision-making within your company. It provides a clear direction and helps to ensure that all actions and decisions align with the goals and values of the brand. A brand strategy helps to increase brand recognition and customer loyalty. You can turn one-time customers into loyal brand advocates by consistently delivering on your brand promise and providing a great customer experience.
Madness' 2022 Wrap Up Edition
In today’s episode of LLE with Madness, we get into how this show all got started, calling in instead of out, our experiences with grief, Madison’s greatest year in business, and our recap of Madness 2022.
• [04:00] How this all started.
• [08:06] Madison’s biased and unbiased favorite episodes.
• [10:02] Keeping the momentum in 2022.
• [12:30] Becoming unlimited.
• [15:05] Calling in.
• [16:55] Dealing with grief.
• [20:05] Blending passion with purpose.
• [24:24] Recap of 2022.
• [27:28] Wrapping up.
• “Life is happening, and I’m part of life.”
• “In this world, it’s easy to call out.”
• “There’s no handbook when you lose someone.”
Follow the podcast: www.laughlendandeat.com
Host: Fobby Naghmi.
Co-Host: Madison Keenan.
How to deal with grief in the professional world
In today’s episode, we’re joined by Michael David Chapman, Co-Founder of LeadIn Social. We get into Grief and trauma, the truth about the ego, juggling business with Grief, and acknowledging the full spectrum of Grief.Topics Discussed
· [03:08] Grief and trauma.
· [08:30] Unbending the ego.
· [12:49] Juggling business with Grief.
· [21:48] The full spectrum of Grief.Key Takeaways
· “Your ego is not the problem. It’s your unbent ego.”
· “[Grief is] not just a loss, but a recognized loss.”
· “You can’t solve a problem you don’t know you have.”
· “Everything has led up to this exact moment.”
· “At the end, we can be grateful that we are grieving our loved one rather than our loved one grieving us.”Relevant Links
Website: leadinmedia.net. LinkedIn: Michael Chapman.
Follow the podcast: www.laughlendandeat.com Host: Fobby Naghmi.
Madness' Thanksgiving 2022 Episode
It’s Thanksgiving with the Laugh, Lend and Eat show. Fobby Naghmi of Family First Funding wants to show his gratitude to Madison Keenan of Annie Mac Mortgage and producer John Perry. But somehow misses that point in the beginning. The good news is that all can feel gratitude and friendship by the show’s end!Topics Discussed
· [01:25] Does anyone listen to the radio?
· [02:53] Madness is the oldest of 5 siblings.
· [06:30] Inflation has peaked
· [09:47] Give thanks at the dinner table
· [11:07] Madness’ first Thanksgiving without her grandmother
· [13:44] Funeral Potato’s
· [16:21] Gratitude is a very overused word
· [18:31] Slower market allows reexamining business relationships.
· [19:25] How to achieve instant gratitude
· [26:15] Thank you for being a friendKey Takeaways
· “I have eight cousins and siblings, and we’re all a year apart.”
· “Rates go up rapidly, but they come down very slowly”
· “Time to reflect and readjust.”
· “Simple say instead of “I got to” “I get to”
Follow the podcast: www.laughlendandeat.com Host: Fobby Naghmi. Co-Host: Madison Keenan.
Building Relationships, Not Selling A Product
In today’s episode of LLE with Madness, we get into the Federal Reserve’s plan to combat inflation, the conspiracy around the Federal Reserve, 2-1 buydowns in today’s market, why properties should be treated as investments, and we announce Podapalooza.Topics Discussed
· [01:10] The Federal Reserve is at it again.
· [03:57] The Federal Reserve conspiracy.
· [05:54] What to tell a loan officer.
· [08:28] 2-1 buydowns today.
· [12:08] Flex on the Gram.
· [15:08] Treating a property as an investment.
· [20:19] How’s Madness doing in this market?
· [23:21] Why do realtors expect us to pick up the tab?
· [26:30] Switching companies.
· [28:30] Podapalooza.Key Takeaways
· “You need to be building trust and building relationships and stop focusing on selling a product.”
· “If you have a 2-1 buydown, but you have nobody trust you, it doesn’t matter what you have.”
· “Fear is peeing in your pants, and courage is doing what you’ve got to do with wet pants.”
· “Never confuse a single defeat with the final defeat.”
Follow the podcast: www.laughlendandeat.com Host: Fobby Naghmi. Co-Host: Madison Keenan.
The Real Realtors of New Jersey: Take 2
In today’s episode, we’re joined by Darcy Reynolds, Team Growth Manager at Streamlined Properties On-Market, Gina Scodella, Real Estate Agent at Keller Williams Shore Properties, and Kristina Hajhassan, Realtor at Remax. We get into the recent rate increases, educating buyers, guidelines and overlays, inventory, seller expectations, cash buyers, and heading into the “new normal” market.
· [02:16] Borrowers no longer qualify due to the rate increase.
· [09:03] Pre-approved buyers.
· [11:34] Educating buyers.
· [12:56] Overlays.
· [14:40] Staying in your lane.
· [19:14] Inventory.
· [20:44] The seller’s expectations.
· [23:06] Is there more inventory on the market?
· [24:22] Preparing sellers for the market.
· [29:38] Is this a good time?
· [33:21] Cash buyers.
· [36:40] Second home properties.
· [39:02] Heading into a “normal market.”
· “It’s super important for realtors and clients to constantly communicate weekly, if not every other week.”
· “If they’re not pre-approved, they’re not ready to go.”
· “Good weather doesn’t make good sailors.”
Instagram: Darcy Reynolds @realestatedarcy
Gina Scodella @ginasellsnj_
Kristina Hajjassan @closewithkristina
Follow the podcast:
Host: Fobby Naghmi www.fobbynaghmi.com
Co-Host: Madison Keenan www.madisonkeenan.annie-mac.com
Laughter Is The Best Medicine
In today’s episode, Fobby Naghmi and Madison Keenan are joined by Johnny Di Domenico, an American actor, comedian, and writer best known for his award-winning impersonation of Donald Trump, Austin Powers, Jay Leno, and many more! The conversation goes through Johnny’s upbringing outside of Philadelphia to his coming to NYC and tackling new challenges. Madison engages with Johnny by asking questions that connect the mortgage industry to that of life as a comedic actor.
Fobby claims he is like a “Velcro Fob”; every lawsuit sticks to him
Stay curious and keep learning.
“I wanna know how they think.”
“The currency of nice and the currency of connecting with people”
· [02: 27] How John learned how to impersonate people
· [06:32] Remarkable that John did not let a speech impediment hold him back
· [07:01] What skill sets are required to wear multiple hats?
· [13:50] First introduced to Donald Trump in 1986
· [16:47] A fine line between satire and comedy
· [19:25] Creating an experience for the customer
· [21:34] Everyone gets undivided attention
· [23:28] Social media
· [28:28] Adapting to a new world and succeeding
· [31:58] Dreaming in character
Follow the podcast: www.laughlendandeat.com Host: Fobby Naghmi.
Meet The Underwriters
In today’s episode, Fobby Naghmi is joined by Clayton Jones, VP of Credit Risk-Mortgage at First Option Mortgage, Mark Thomas, EVP at Truly Mortgage, a division of Amerifirst Financial Inc, and Phil Brousseau, SVP of TPO Underwriting at EPM. We get into the future of the mortgage industry using social media, the human aspect of underwriting, maintaining diligence, and some of the craziest files received throughout their careers.Key Takeaways
· “Sometimes a quick ‘no’ is the best response.”
· “Breaking a habit requires energy, so we all resist because we don’t want to spend that energy.”
· “It’s about being thorough, and it’s about being consistent, and it’s about doing the right thing.”Topics Discussed
· [02:31] Where the mortgage industry is headed.
· [04:42] Is this a new market?
· [06:00] Credit tightening and credit loosening.
· [08:20] Using social media.
· [12:16] The human side of underwriting.
· [17:40] Managing emotions.
· [21:35] Underwriting for third parties vs employees.
· [25:36] The “feel good condition.”
· [29:27] Touches.
· [30:42] Credit scores.
· [34:47] Maintaining diligence.
· [38:45] Crazy files.
LinkedIn: Clay Jones.
Follow the podcast: www.laughlendandeat.com Host: Fobby Naghmi.
The Federal Reserve Does It Again!
Madison "Madness" Keenan of AnnieMac Mortgage shares her concerns about the current mortgage market with Fobby Naghmi of First Option Mortgage. While the increasing rates don't scare her, her concerns are more about the consumers and that they are not changing their spending habits.
Madison's advice to potential homebuyers is:
1) Don't buy a new car
2) Don't open new lines of credit
3) Keep your credit card balance to 50% of the maximum limit
This advice spurs a quick debate between the two. Fobby questions if Madison may be asking too much of the consumer.
The Federal Reserve raised the Federal Reserve rate 75bps for the 2nd time this year. First, Fobby put some historical context on this topic of the fed fund's rates Fobby followed up by asking Madison if she knew what the Federal Reserve rate was and what it did.
There was also the case of the bunny ears throughout the entire episode! Not one to be missed, for sure!
What You Need To Know About Renovation Loans
Fobby Naghmi, host of Laugh, Lend and Eat, talks with Vince Nepolitan, National Renovation Sales Manager for EPM Wholesale.
The two first met in 2018 when the same mortgage lender employed them. Fobby made a point of saying the "other lender that shall not be named." This was meant to tell Vince not to mention that company's name for whatever reason!
Why Belief Matters
The conversation moved to Vince's current company, EPM Wholesale, and the fact that Vince believes in EPM and is reciprocated back to Vince. Having a belief in your work life is a critical component that is often overlooked by many. Once you believe in one another, the first significant step has been taken to build a relationship on trust.
Vince has released his book, Renovate Me. The book dives into Vince's childhood as an abandoned teenager living on the streets of Las Vegas. His father was on drugs, and his mother did not want him around. His environment was gang life, selling drugs, and living on the street. From there, his journey took a miraculous turn.
Absence Creates Shadows
Fobby noted that the absence of not having a father in his life ultimately made Vince a better father to his children. He added that the absence of specific beats in music creates rhythm, so why would the exact blueprint not apply in life? Vince wholeheartedly agreed. Both of Vince's children are in college, and Vince is deeply embedded in his children's lives.
With the real estate market entering a buyer's market, per Vince, it's more important than ever to offer a home renovation loan program. He explained why doing a renovation loan makes so much sense. Vince also feels that most residential loan officers are afraid of a product they don't understand and have not taken the time to learn.
To learn more about Vince and his book, "Renovate Me," please go to his website, www.VNRenovateMe.com.
How To Create A Podcast
Welcome to another edition of Laugh, Lend, and Eat the Podcast. Today we're joined by the 2020 Vision Sales Expert class. We're going to explore everything you need to know about how to create a Mortgage podcast to give you the tools you need to get off the ground. So tune in and learn!
How "Laugh, Lend and Eat: Madness" Was Born
We start the show with Madison (the co-host) sharing what she does in Laugh, Lend and Eat Madness podcast. Madison shares that the madness is the name of a brand she is trying to establish. The Madness part of the Podcast came to fruition because after recording the traditional Podcast with Fobby, they would get off the recording side, and she would start a rapid-fire on things happening in real-time in her day-to-day mortgage business. They realized that that would make a great segment of what they were already doing in the Laugh, Lend and Eat Podcast. The traditional Podcast is based on interview style with one or multiple guests, while Laugh, Lend, and Eat: Madness podcast is her being real. She talks about things happening in real time, including the market, the interest rates, clients, or something that she feels is a common theme many loan officers are going through. To hear more, go to 02:26
Reasons Why You Should Start A Podcast
Next, we talk about why you should start a podcast. Fobby shares that his most significant reason for starting a podcast was to generate leads for his business. According to him, everything he does 24/7 is for recruiting loan officers, and podcasting is just another branch of that. The Podcast gives him a platform to generate leads with realtors and builders and allows him to be recognized as an industry leader. Similarly, Madison shares that it has helped her get her name out there. Podcasting is a great platform where you can be vulnerable and share your story and thing that are important to you. It is also a platform where you can get the most reach, similar to social media, as you can talk to 500 people in an hour. So, if you have an important message that needs to be heard and resonates with people, podcasting is the best way to get it out there. To hear more, go to, 05:00
Choosing Topics, You Feel Good Talking About
At 08:03, we talk about why you should choose something you feel good talking about. Just because people do something doesn't mean you have to do it. Do what you feel good about that you can do regularly. What is essential is bringing experience that can help others. Podcasts are built on ideas. Creating a podcast is all about developing ideas into something specific and pre-planning your show. This does not mean you have to stick to a script in everything, but planning will allow you to return to the original idea when you side-track or get on tangents. Tangents are entertaining, but if you have an overarching goal or topic you want to cover, make sure to have a few bullet points of specific things you want to hit. This will allow you to recoup another question when the conversation is trailing off and bring it to the original topic instead of going down the rabbit holes.
The Name Game, Naming Your Podcasts
Next, we talk about the name game. As easy as it sounds, your listeners should be able to understand what they are listening to the moment they hear your title. We all judge a book by its cover, and podcast titles are no different. Wishing you had named your Podcast differently down the line is not something you want to do. Get your marketing team on board and lay down three core values you want to cover and a podcast name that aligns with your brand. The name game is huge, and you must also be careful when naming your episodes. Your episode title tells your audience what they will get when they listen to the show. Make sure you name your episode right to help your listeners to tune in for a reason. To hear more about the name game, go to 08:03
How Much Time To Dedicat
Madness Need a Technology Detox
Welcome to another episode of Laugh, Lend, and Eat, MADNESS, our host, Fobby Naghmi, National Sales Manager for First Option Mortgage, and co-host, Madison "Madness" Keenan, loan officer for AnnieMac Home Loans. The discussion revolves around loan officers going to borrower's closings, and Madness surprises Fobby by telling him she is not a fan of technology.
Madness likes to Jaywalk
We start the episode by finding out that Madness can't help herself and breaks the state's law by consistently jaywalking around town. While this is amusing, Fobby recalls a past loan officer that received a ticket for jaywalking in Alexandria, VA. For more information about jaywalking, please go to: https://www.law.cornell.edu/wex/jaywalking.
Madness Goes to Borrower's Loan Closings.
At a recent lunch, a co-worker of Madness stated that he noticed Madness does not cry as much anymore. Madness attributes her not crying as much as she is "getting numb to the business or getting thicker skin."
At 3:43, Fobby asks Madness if she has ever watched "A League of Their Own." A favorite movie of Fobby with Tom Hanks. Fobby tells Madness that his favorite scene is where Hanks yells at a women baseball player, saying, “There is no crying in baseball!” Fobby tells Madness she must watch it.
The talk switches to Madness talking about how she goes to a first-time homebuyer's closing. She tells Fobby that it's important for her to see all the parties come together that were involved in the transaction.
Fobby brings up the time he went to a client's closing in 1995. The clients were a very elderly couple who had a very credit-challenged loan. At the closing table, the wife declared that she did not care about fees but that no one was to sell her beloved organ. Fobby had avoided closings since that time.
Madness admits that she comes at the tail end of the closing. She can then be part of the celebration with her borrowers. She also tells us that she had seen other loan officers in her office going to closings, which is where she learned to go. Fobby commends her effort and encourages her not to stop doing that.
Madness Does Not Believe Technology Builds Relationships
At 11:06, Madness surprises Fobby by stating that any mortgage lender that believes technology is the way to get ahead is just wrong.
She adds that many mortgage professionals hide behind their technology software rather than creating relationships with their borrowers and referral partners.
She is often blind-sided by past borrowers calling her after they receive an automated email from her, and they want to talk to her about the email they just received.
Fobby pushes back that Madness may want to communicate with her marketing department to be better prepared when those automated emails are sent to her past clients.
Madness Needs to Detox from Technology
At 14:18, we finally discover that Madness is saying there are too many ways to communicate with her. Between emails, texting, and social media sites, her brain is getting overloaded.
Fobby tells her about tech detox weekend camps where people go to do just that, turn off all things digital. But then Fobby states, why pay someone money? When you can turn off your own devices yourself.
Madness does agree that she can control her device settings to allow quiet time. She can also re-record her greeting on her voicemail to allow herself more time to respond to voicemail messages.
Technology is a product of convenience. It can seem overwhelming for those who use it in business and personal lives. But we can control how much we let it control us. We can also decide where the boundaries are with our clients as well.
Mortgages & Mindfulness
In this episode, Fobby Naghmi, the Nat'l Sales Manager for First Option Mortgage, and Madison Keenan, loan officer for AnnieMac Mortgage, discuss how being mindful daily gives them more energy and clarity throughout the day.
Mortgages and Mindfulness
[01:47] Teaching mindfulness in prison at 19
[05:37] Mind Mortgage and how it was born
[08:37] Mindfulness as a buzzword in our culture
[11:21] Going from yoga to mortgages
[14:10] How to stay grounded when rates go up and business slows down
[16:54] Mindfulness Vs. work-life balance
[22:55] Finding meaning in work
[31:11] Morning routine; How to Wake up, dress up and show up
[41:11] Meditation and acknowledging the emotions that come up for us
Fobby Naghmi: www.fobbynaghmi.com
Madison Keenan: https://lnkd.in/eqJxWfgb
Loretta Turner: www.lorettaturner.com
Kim Clancy: www.Kim-Clancy.com
Let's Get Social: Using Social Media to Increase your Network
In this episode of “Laugh, Lend and Eat” we’re talking about all things social media with Raquel Borras of New American Funding; Dalila Ramos, host of Taco Tuesday; and Joe Wilson founder of Social Coach.
This episode lays out:
- The three C's of social media; Content, Community, and Call-to-Action
- Using social media to actually create long lasting relationships, both business and personal
- Why contributing to other people's posts is helpful to you
- Being mindful of your network
You don’t want to miss it!
Fobby has spent the past several years honing in on best practices for social media and how mortgage loan officers can benefit from it. Adding the experience of the panel on this episode just increases the value you will receive...especially if you execute the ideas!
Rethinking Accountabilty and Motivation
For loan officers looking to grow their careers and improve their numbers, there are some important lessons about motivation and accountability from the field of neuroscience. Here to walk us through it all is Steve Scanlon, CEO of Rewire and author of Still the Lizard. Steve joined us on an episode of the Laugh, Lend, and Eat podcast and provided some insightful takeaways.
How do loan officers, accountability, and cortisol all connect? Let's find out.
What are Neurochemicals?
Steve has a self-proclaimed obsession with neuroscience and neurochemistry. He's been studying and compiling meta-research on data and studies for the last ten years. This has culminated in his book "Still the Lizard", which looks at the implications of our "lizard" brain (i.e., the part of your brain that keeps you alive!).
Part of Steve's fascination with this field is the study of different chemicals. In your brain, you have:
• "Happy" chemicals like dopamine, serotonin, oxytocin, and endorphins. These are responsible for emotions like calm, peace, and job.
• "Negative" chemicals… well, chemical—there's just one in this category: cortisol. Dubbed the "stress hormone," cortisol is secreted during times of intense pressure and anxiety.
This last chemical, cortisol, has increased massively over the years. It's a bit of a misnomer to call it "negative" because it has a critical and important function in your body to keep you safe and motivate you to action. That said, high cortisol levels contribute to high stress and negative health outcomes. Studies show that cortisol rates are higher than ever before, which is why we can anecdotally observe our friends, colleagues, and peers to be more stressed out than ever.
And how do you operate under stress? Not your best! So, understanding what causes cortisol to rise is important. Worry, concern, fret, and fear are all based on negative predictions of the future. But those negative predictions haven't happened yet—they're fictional!
The lesson here is that we can swap out our future predictions for positive ones. Focusing on positive future predictions can help reduce stress and anxiety (cortisol) and help you perform your best.
Your Lizard Brain
Tied into the conversation about neurochemicals is the lizard brain. This is a construct of the productive, survivalist part of your brain. Before the modern era, people evolved to protect themselves from danger and had to go out to get food and shelter. While we don't have those same concerns today, our brains remember what it was like and have survival mechanisms.
There are four ways your lizard brain tries to protect you:
• Familiarity and routine.
• Always being right.
• Establishing habits.
• Maintaining control.
These are unconscious mechanisms in your brain designed to protect you from danger. It explains why making changes is so hard, even if you know they are good for you. Any change, goal, or challenge pushes you out of that comfort zone and goes against your brain's main goal and purpose.
Accountability and Change
Neuroscience, including what we just talked about with the neurochemicals and lizard brain, has a lot to tell us about how we can change and grow. Traditionally, coaching, mentoring, and managing are hinged on fear-based accountability mechanisms—i.e., "Get your numbers up or there will be consequences." But does that work?
Steve is convinced that fear-based accountability is pointless because it raises cortisol levels. It makes people stressed! And, since our lizard brains try to keep us comfortable and safe, you'll never do your best work with elevated cortisol.
Beyond that, telling someone what to do robs them of the chance to create their own neur
Women in Mortgage
Women In the Mortgage Industry
My guest today is Corrina Carter of CMS, Carolina Vergara from First Option, Branch Manager and Lead Mortgage, and Suha Zehl, Chief Innovation Officer from BlackFin Group. They are all women in the mortgage industry and 2021 Vision Award Winners. In this edition, our goal is to give women a shout-out by bringing them up to share their opinions and experiences on what's going on, what's right, what's wrong, and what could be better. So, let's start with this week's episode and dive into "Women in Mortgage." The Growing Numbers of Women In The Mortgage Industry At 03:52, we start by analyzing the statistics of women in the mortgage industry. As of 2022, there are 216,000 loan officers, and 44% are women. There has been an increment since 2010 from 41% to 44.7% in 2022, which is a pretty drastic change in the demographics. Corrina shares that she teaches CE for loan originators, and when she was teaching loan originators how to get licensed in a 20-hour course in 2010, 11, and 12, 80% of her class was male, and the other 10 to 15% was female. Most of these females worked in operation, and he had 2-3 women loan officers in class size between 25 and 35. However, Corrina sees many more women in her classroom, which feels wonderful. So many young ladies are coming in and want to be mortgage industry leaders. Carolina's Interesting Story of How She Got into the Mortgage Business At 05:20, Carolina shares that she got into the mortgage business right after graduating high school. Going to college was not an option, especially because people made fun of her accent when she spoke English. Instead, a friend invited her to do real estate, and Carolina loved it! Her interest in sales started in high school, where she used to sell brownies and other stuff. Her first position in the mortgage industry was as a loan officer assistant in LA. She also did junior processing and underwriting before shifting to sales. As she learned about the mortgage business, Carolina discovered numbers, realized that doing the paperwork wasn't the career she wanted to pursue, and planned her way to sales. The Technology That Loan Officers are Adapting and What Has Changed Suha shares that she entered the mortgage industry in 2002 and has been in it for about 20 years. Suha is strictly trained in technology and graduated in computer science. She was a programmer when she started and then stumbled into the mortgage industry in 2002. When she joined the industry, the tech stack looked very different from what we've now. You were lucky to have a Windows-based LOS (loan origination software). There was none of the integration, document integration, or the one-push-button system we've today. According to Suha, putting the right technology in the right hands is very important. However, we often focus on the customer experience, which is excellent. Still, Suha stresses that we should not forget that our employees are also customers. We should also adopt the right technology to make their lives easier and simpler. To hear more about Suha's incredible ride and the changes she has seen, go to, 7:28 Who Are More Resistant To New Technology, Men or Women Statistics show that men are more resistant to change than women are. In a recent survey, about 68% of women are more open to adopting technology than men. At 10:51, Suha shares that as women, we juggle many things, and we're open to things that simplify our lives more because we have so many balls in the air. Corrina also shares that she has been good at pivoting and moving to the next level lately because of age and stability. In 2008, Corrina created a separate training company to train loan officers during the mortgage crisis to keep her mortgage doors open. She started her journey in 1997 when a company with 52 loan officers hired her; there were only two other women in that company. And To make matters worse, those two women didn't come to work all the time. It took her and
Madness Goes To The 20/20 Vision Summit 2022
Fobby Naghmi, National Sales Manager for First Option Mortgage is joined by his co-host Madison "Madness" Keenan of AnnieMac Home Mortgage.
Madness goes to Tampa, FL to be part of the 20/20 Vision Summit. Being at this summit for the 2nd year in a row, Madness was better prepared for the experience and was able to expand her network, like meeting Fobby for the first time in person! Selfies were taken, but Fobby and Madness both felt they could have done a better job with taking pictures....maybe next year!
Madness walks us through her airport experience of waiting for a flight for 9 hours. Her mom was in tow as they were moved from gate to gate. But you can always count on Madness to make friends wherever she goes.
And finally, Fobby asked Madness how her week has been going. With mortgage interest rates rising and a housing market that is still not cooling, what is it like out there? Fobby was slightly caught off guard at the initial response, thank God he kept digging for more clarity, cause then we got it!!!
Producing Managers & The 3-Legged Stool
[02:21] Why First Option is a sales-oriented and not an ops-orientated company
[08:30] Challenges that producing managers face and how to create your wins
[11:27] How to put your team's priority above your priority as a producing manager
[14:12] How to find balance and calm in stressful situations
[18:33] Why mishandling a deal due to lack of communication is costly
[20:54] How to balance the three-legged stool for producing managers
[27:50] The importance of getting someone or something to be the third leg
[34:37] The importance of asking for help and learning from others
Fobby Naghmi, National Sales Manager for First Option Mortgage is joined by his co-host Madison "Madness" Keenan of AnnieMac Home Mortgage.
Our guests today are Melissa Willoby, Katie Sacriste, and Russell Hillyer. They are all producing managers and part of the First Option Mortgage company. Today we’re doing an episode dedicated to producing managers on some of the challenges and obstacles they face and how they can get their wins in different situations.
We dive into the concept of producing managers and the three-legged stool that every producing manager has to sit on. The three legs consist of brand recognition; recruiting loan officers; and personal production
Most producing managers are good at two of the three legs of the stools. They can either be good at brand recognition, personal production, and suck in recruiting, or good at recruiting, personal production, and suck in brand recognition. So, someone or something needs to be the third leg to help us find our balance and be productive in our area of focus.
If you are a producing manager of a mortgage team or thinking of becoming one, you don't want to miss this episode!
First Option: https://myfirstoption.com/fobby-naghmi/
Get Fobby’s book, Falling Forward; Mishaps on the Road to Happiness: https://www.amazon.com/Falling-Forward-Mishaps-Road-Happiness-ebook/dp/B09JFJ2LYB
Federal Reserve Raises The Rate Leaving Buyers Confused
Fobby Naghmi, National Sales Manager for First Option Mortgage is joined by his co-host Madison "Madness" Keenan of AnnieMac Home Mortgage.
In order to fight inflation, the Federal Reserve raised key interest rates by 0.75%. While this may have some positive effect on the economy, Madison is discovering that her pre-qualified borrowers are more confused than they were when they were overbidding on houses!
Their hesitation is based on fear of what if the price of the homes decreases after the closing??
The good news for Madison is that Fobby's 28 years of experience allows for solutions in almost any market. Fobby terms the potential homebuyers as they have entered the "Pre-Qualification Zone".
It Doesn’t Matter Where Your Story Starts with Christine Beckwith Part - 2 of 2
Women Revision Versus Having the Right People at The Table. At 02:19, you will learn how to approach women revision correctly in your business. You don’t need 9 men and 9 women at the table to thrive. You need the right people. Christine explains that her goal with women's revision is to help more female business owners not feel insecure about not having the education to run their businesses right. Most of us have learned to be leaders and run businesses from great men, but women are often intimidated to ask their male counterparts when they have a deficit because they fear being exposed and don’t know how to scale and create a proforma. Christine wanted to create a space where this type of learning could happen by bringing the teacher and creating the rooms to talk about things considered taboo. The Secret of 20/20 Vision For Success Coaching Growth and Success 20/20 Vision For Success Coaching is one of a kind. It has been growing tremendously from the beginning. Christine shares that the company started as a dream, and sharing their story has allowed people to show up to be part of their dream and help them feel it. Christine emphasizes that you should let the world know your story because people will want to get on a ride with you. Your story is your best marketing strategy, and being authentic is what has helped Christine’s company get ahead. 20/20 Vision For Success Coaching was built for scale from day one and not for conventional coaching. They also have the outlier support for grief, loss, health, and wellness and have built a community that allows people to be in their community, even when they are not in active coaching. To learn more, go to 09:01 How Christine Has Built 20/20 Vision For Success Coaching To Be Eventually Sold At 14:31, Christine explains how she has built 20/20 Vision for Success Coaching to run without her and eventually sell it. The company had a lot of her when she started and was under her name, but their goal is to be anonymous with education in their field. They are slowly pulling away her image to create a formative brand and a logo that will mean something and speak to people on its own. Christine also reveals that preparing her company to run without her started soon after opening her doors when she hired an SOP code writer. They started recording the standard operating processes and practices from the first day, and the company's entire history is documented. So, if something happens to her tomorrow, there is a manual for its operation, and it can be purchased by somebody that can run it at the same profitable level. The Upcoming Summit and The Experience that People should Expect Christine shares that they knew when building the five-year business plan for 20/20 that to have a community of people, they had to have a face-to-face factor. They were creating a virtual platform, which would get them far, but breaking bread was vital for relationships. Their competitors were doing it, and they realized that if they had to be adopted nationally by the industry, they had to come out and show them they were there for business. Their first-year summit was a big venture financially, and for Christine, she did sleep for a week after they announced their first show. They had small stuff at the time and were unsure about the outcome, but they pulled off a great event. Last year's summit was bigger and better, and this year it is going to blow the roof off. The theme is Eco Vision; What Going On In Your Universe, and they have something for everybody. To hear more, tune in at 18;37 The Energy And Drive Required To Fulfill A Vision At 24:00, Christine expounds on the drive required to fulfill a vision. She believes in fuelling passion and considers herself an evangelist in terms of success. Her message has to align with her tagline for 20/20 Vision For Success Coaching, Emotional Awakening Through Education. According to her, people run towards success when mo
LLE Biographies: It Doesn't Matter Where Your Story Starts_Part 1 of 2
Fobby Naghmi, National Sales Manager for First Option Mortgage, is joined by his friend Christine Beckwith, Founder and CEO of 20/20 Vision For Success Coaching.
In their first interview in 2019, Christine told Fobby, "It doesn't matter where your story starts," and those words have since inspired him.
We find that Christine came from humble beginnings, being the middle child of three sisters. Their parents were married at a young age, and while it may have seemed they lacked in so many material niceties to the outside world, it was not so. The parents raised their three girls with a drive and a moral compass that other children may not have had. They provided what they could and instilled certain characteristics that would later enable Christine to rise to the top of her career.
Todd Duncan: Building With Trust
Todd Duncan is an American author and speaker. According to CNN, Todd Duncan is “the Tony Robbins of the mortgage industry.”
Todd shared his moment when he decided to teach other mortgage professionals what he had learned and support their success.
If you have questions about what to do to get your career in the right direction, this episode will give you major takeaways that you can execute immediately.
Todd has authored 17 books, including the New York Times Bestsellers Time Traps: Proven Strategies for Swamped Sales People and High Trust Selling: Make More Money In Less Time with Less Stress. Todd is recognized as "THE WORLD'S LEADING AUTHORITY ON TRUST"
The Real Realtors of New Jersey
In today’s episode, we’re joined by Darcy Reynolds, Team Growth Manager at Streamlined Properties On-Market, Gina Scodella, Real Estate Agent at Keller Williams Shore Properties, and Kristina Hajhassan, Remax Realtor and Real Estate Investor. We get into social media marketing, Madison forgets her slogan, we remember our craziest clients, and we worry about the price of gas.
• [02:42] The use of social media in real estate.
• [11:03] Using different social media styles.
• [16:07] The slowdown in the market.
• [22:27] How realtors come up with uplifting adjectives.
• [23:56] Madison’s slogan.
• [26:11] The craziest clients.
• [30:27] The price of gas for the real estate industry.
• [34:17] The benefit of working on a team.
• [40:45] The anxiety of putting in offers and love letters.
• “It’s not a no, it’s a not right now.”
• “You need to have a really strong team.”
• “To really build wealth, you have to leverage either systems or other people to get there.”
• “The way you present your offers is so important.”
LinkedIn: Darcy Reynolds
Follow the podcast:
Host: Fobby Naghmi.
Co-Host: Madison Keenan.
Housing market is still hot with higher interest rates!!
In this episode, Madison Keenan of AnnieMac Home Mortgage discusses the challenges she is still facing in light of higher mortgage interest rates and multiple bids on existing homes on the market.
Overbidding has been an issue over the past few years, and while the mortgage interest rates were low, it was ok. But when higher rates make it harder for potential homebuyers to qualify for a loan program, overbidding just further compounds the qualification process.
Fobby Naghmi does his best to share his 28 years of experience with his co-host.
- Finding realtors that fit your marketing style
- Offering programs that other mortgage loan officers may not be offering
- Know that this will not last forever.
Great episode that deals with challenges so many loan officers are dealing with in 2022.
Meet the Recruiters 2022
It is our annual episode where we sit down with mortgage industry recruiters and get an update as they are seeing the mortgage industry in 2022.
We are joined by Guy McFadden of One Good One; Ashlee Cragun of First Option Mortgage; and Matt Hill of Pursuit Search Group, LLC.
We dive into various topics such as the mass movement of mortgage professionals in 2022; bad actors in the recruiting industry; coaching and development and much more!
If you want to learn how to recruit the right way, this is a must listen to episode.
Just Post It!
Ever get too scared to just post some new content on a social media platform? We've all been there.
If you listen to our guest, Coach Kyle Draper, you'll begin to understand why videos are so vital and why most of us probably aren't that great at making them. But there's hope for all of us!! That's why seven years ago, Coach Kyle took it upon himself to start helping us not struggle as much with social media.
Laugh, Lend & Eat Madness
A new comedic rant on all things mortgage, real estate & business.
Episode 1 dives deep into the origin of co-host Madison Keenan's brand name "Madness" and how the hell she came to referring herself as Madness. Madison also talks about her recent escapades at a local airport bar, as well as how she handles first-time homebuyers.
This series will coincide with our traditional Laugh, Lend & Eat podcasts where we sit down with other industry professionals.
It's All About The Conversion
Michael McAllister breaks down in plain language why it's all about the conversion of leads.
Starting off as a mortgage loan officer at the age of 21, Michael quickly found his lane where he could optimize his experience and benefit the most customers.
When he decided to start Empowering LO, the decision was crystal clear on why and just how he would do it.
Joined by the founder of InDesign, Roland Cochrun...we discuss how high-producing mortgage loan officers can find meaning beyond the sales reports.
Roland brings a different perspective to this topic since he was a high achiever. However, he found out all the luxuries and exotic cars did not make him feel complete. So he set out on a journey to find what was missing from his life, and then how could he add it to give more meaning to his life.
Fobby becomes the guest on this episode to answer questions about his book, Falling Forward, Mishaps on the Road to Happiness. He is joined by John Perry and LLE's new co-host Madison Keenan.
Falling Forward takes us from Fobby's early childhood days being raised as part of a large, loving first-generation immigrant family in the suburbs of Washington, DC, to his early successful years in the mortgage field, through some turbulent years that proved to be catastrophic for the young entrepreneur.
His downfall led him to seek clarity on why some of his past actions caused him to succeed, while others caused him to behave in ways that were destructive. As a result, he becomes re-focused and ever grateful to be given a second chance, wanting to share what he had learned. His lessons hold truths invaluable to those who seek to navigate the pathways of a career or want to lead a happier and more content life.
His writing is poignant and funny; thought-provoking and thoughtful as he shares the many lessons he's learned along the road to happiness.
Every business is driving engagement in some manner. Sometimes the company engages the customers, sometimes the employees. But no matter what, we are trying to drive engagement.
Aru Anavekar and her team at Botsplash do just that...drive engagement with their new AI tech-driven software. As a result of Botsplash, it's now easier than ever to engage with a customer.
Hispanic Mortgage Professionals
Hispanic home buyers have become a sizable and growing share of the housing market across the country. Our panel of mortgage professionals share their experience, their challenges, and their best practices to support their client's needs.
Friends With Benefits
When we invited the CEO of Sales Boomerang, Alex Kutsishin, onto the show, we knew he would share a lot of knowledge. But we also knew that Alex would bring some excitement that only he could. He did not let us down! From the evolution of a CEO to the misuse of AI technology, no subject was off-topic. But even we didn't see the "Friends with Benefits" relationship that the lender has until Alex pointed it out! Sales Boomerang is blazing a new trail inside the mortgage industry, and with Alex leading the charge, it's going to be the trail everyone will want to be on!
Collaborating One Lender At A Time
Rich Swerbinsky, President and COO of The Mortgage Collaborative joins us for the final episode of season 2. We dove into multiple topics that the independent mortgage lender is facing, as well as the solutions to those issues. When the topic turned to pierogis, well Rich was full of ideas!!
The Millennials Are Here!
The Millennials have an estimated size of 72.1 million people just in the U.S. So yes...the millennials are making their impact on all parts of our lives. We sat down with a panel of them to get their insight on what's working and what's not working in the mortgage industry. What we learned from them was very revealing and comforting.
Thank you to Laiken Hobbs, Eric Estevez and Madison Keenan for sharing their invaluable insights with us.
Let's Get Social!
We're joined by Social Coach founder, Joe Wilson for episode 45. Joe shares his knowledge on the do's and don'ts for social media.
Social Coach's platform allows companies to magnify their brand reach, control the company message and monitor social engagement all through one simple platform.
If you ever thought you were not ready for social media, this episode will give you the tools you need to become a social media darling!
The Video Maker
Best-Selling author and education specialist, Ginger Bell, talks about how she became the video maker to create and deliver educational marketing programs for the mortgage industry since the '90s. Ginger shares her knowledge of making videos with us so that anyone can start creating video content immediately!
Women with Vision 2021
What does it take to be Women with Vision award winner? We got to ask Kiran Shah and Corrina Carter, two winners of last year's Women with Vision award. Along with the founder of the award Christine Beckwith. This was a great deep dive conversation into many different topics that were important for women and all in the mortgage industry.
Streaming Down The Dream
In 2019 Marvin Colon was already looking towards the future. He knew streaming shows on the internet was a hit. But what if he started streaming mortgage and real estate shows for those specific industries? And just like that, MortFlix was born. A streaming service dedicated to providing content to real estate and mortgage professionals.
From The Ground Up
Do you want to get something started from the ground up? It would be best if you had someone like Micahel Kelleher, founder of Easy Mortgage Apps, on your team.
Recognized by Progress in Lending Association as a "2020 Thought Leader", Michael has a knack for starting something, learning all the nuances, and then going about how to make it better.
An added benefit is Michael brings the perspective of the millennial generation with whatever he touches.
Leadership and Balance
It's not too often you find the leadership of a company that can balance one another out as well as the three owners of First Option Mortgage. Started in 2004 by Kurt Nikolai, a local lender based in Atlanta, GA. FOM has grown as more mortgage professionals have been attracted to what was being created. Joined by Alvin Shah and Sohail Halani, the company truly reflects the core value of the owners, that everyone should be treated with respect as if they were part of our family.
Strategies For Recruiting
Do you have a strategy for recruiting? Most people don't. We have relied on the same methods and techniques with limited success. But these recruiting industry leaders sure do! In 2020, they had historic low-interest rates to deal with.
This year, they have a new issue, technology, and how to use it in an industry where the average age is higher than most highway speed limits! But like all great minds, these recruiters are using their know-how and adjusting with the times.
If you want to learn or improve your recruiting skills, cue this episode up!
Leading With Energy
Bill Bent has spent most of his career leading mortgage companies to new heights. When he decided to lead with energy and not metrics, it was a game-changer.
Bill likes to create an environment where each side wins and no one loses.
If you want to lead with a new purpose, you need to listen to this episode
Lessons on Leadership
What lessons does every leader need to know? That’s exactly what the Founder of High Point Training & Coaching, Ray Befus was here to share with us. Ray’s clients include leaders from many different industries, as well as non-profits. What are some pitfalls? Blind spots? How can a team build on the five healthy behaviors? Ray shared with us the valuable lessons we can all use to become better leaders.
Spiritual teacher and founder of Meditation School, David Gandelman speaks with Fobby about his journey from New Jersey to Spain to India and beyond to find a method of meditation that he could share with everyone. Plus as normal, Fobby and David dive into topics that were never imagined before we recorded this episode!
Top Loan Officer Panel
First Option Mortgages' top Loan Officers join Fobby for a panel discussion. Topics from the current market to social media to what it was like in their first year. Collectively, these three loan officers funded over 160 units in 2021 Q1 in three unique markets.
Vision Summit 2021
One of the wildest episodes we’ve recorded to date. Fobby talks with the founder and president of 20/20 Vision for Success Coaching, Christine Beckwith. The discussion is focused on the upcoming Vision Summit being held in Tampa, Fl. They are joined by Barry Habib, Jay Doran, Joe Panebianco, and Jason Frazier. This episode gives our listeners a taste of what's to come at the Vision Summit for sure!
Say YES Everyday!
What happens when you take an energetic mortgage professional and ask them for the secret to their success? You get an amazing book!
Laura Brandao, President of AFR joins us for a second time to discuss her first book "Say YES Everyday". It's full of inspiring episodes of Laura's mortgage career, as well as some of her personal life events that made her who she is today. She opens up and shares so much with us...honestly, one hour was not enough time!
Mortgage Brokers United
When AIME's CEO, Katie Sweeney joins Fobby for a 1-on-1, no question is off the table. Being one of the youngest CEOs, Katie is setting a course to lead her team of millennials to a brighter future, one that includes a larger market share for all mortgage brokers. Did we mention she's a Dallas Cowboy fan???
Realtor Roundtable '21
With this hot real estate market nationwide, we decided to create a roundtable of real estate agents to answer some of the most pressing questions everyone is asking. This was a very candid conversation with four agents from four different markets sharing their similarities and their differences in their current market, as well as their experiences.
Thank you to Ryan Keeton of EXP Realty / Gloria Zelaya of E Homes / Chris Cummings of Keller Williams / Laura Delgado of Realty Professionals.
Innovation, Technology and the Mortgage Industry
With technology and innovation driving change in the mortgage industry, Brian Vieaux, President of FinLocker joins Fobby on this episode. FinLocker is a personal financial assistance tool that enables users to financially prepare to apply for loans and other financial transactions. Brian shares his insight on how he sees technology is changing the mortgage industry and what the mortgage lender can do to make sure they get their share of the mortgage business.
Brand New Me!
Sometimes when you meet a person, you never know just what amazing feat they will accomplish. Vivian Hughes is just one of those amazing people. Vivian was our very first guest on LL&E back in 2020!
Vivian is back to take a deep dive into her first book “It’s All Me: The Modern Women’s Guide to Thriving After Divorce” and this was one amazing episode!
Rise of the Bots!
Ever get the weird feeling that everything you say is being listened to? Turns out you may not be paranoid after all! We sat down the founder of Qortel, Michael Markette to understand better how bots are being used to listen to our calls. Not just for selling us items online, but the bots can actually assess, train, and improve basic sales skills. Let’s welcome in a brave new world as we witness the rise of the bots!
Branding Yourself - The How's & Why's
Laugh, Lend & Eat kicks off 2021 with three branding experts, Charlyne McWilliams, Corey Trujillo and Peter Van Aartijk. They share their insights on the how’s and why’s of “BRANDING YOURSELF". Diving deep with these three industry experts will help anyone understand branding as well as how to develop a brand that will set you apart from the rest!
Its An Inside Job
Building an infrastructure that can support a growing mortgage sales team is no easy job. Especially when the growth happens at the same time mortgage interest rates are at an all-time low!!! Enter Kevin Strika, VP of Operations and Clay Jones, VP of Credit Risk, who have been building the Ops platform for First Option Mortgage over the past several years and knew their structure would not only hold, but was also scalable for growth.
The Playbook For Success
What do top mortgage professionals have in common with star athletes? They most likely have a coach working with them. We brought in Christine Beckwith and her coaches from 20/20 Vision For Success for a panel discussion on the how's and why's of coaching mortgage professionals. Better have your pen and paper handy for this episode!
Barry Habib: Trusting Your Gut
Barry Habib, CEO/Founder of MBS Highway sat down to discuss his new book, "Money In The Streets" and how it can help anyone who reads it. He spoke about his early days growing up in Brooklyn, NY to becoming a best selling author on Amazon. Trusting his gut has been the difference maker when it counted the most...his message is simple....you should trust your gut too!
Leadership By Example
Montell Watson, Director of Corporate Strategy for Movement Mortgage sat down to discusses a variety of topics from leadership to technology and the retail loan officer. Being a former college athlete, gives Montell a different perspective on how to lead by example.
Alvin Shah, managing partner of First Option Mortgage and his wife, Kiran regional manager share their insights on what it takes to build a company and a family at the same time. While they both may have separate tasks to build First Option, their visions are unified for both.
Creating The Perfect Day
The Simply WOW Agency was founded by Jessica Peterson in order to elevate the customer experience. Being a real estate agent in Sarasota, FL, Jessica learned how to WOW her clients, as well as how to coach others to do the same. Jessica's most recent book "Creating The Perfect Day" allows the reader to learn time management skills for both business and personal life.
Creating The Customer Experience and Beyond
Total Expert's Chief Customer Officer, Sue Woodard has enjoyed a celebrated career in the mortgage industry. Sue was very candid about her thoughts on customer service, as well as sharing her insights into where the mortgage industry is headed with the right amount technology to help it out.
The Confident Closer-Why Personal Branding Matters
It doesn't take long, once you start speaking with Ana Maria Sanin, to understand her desire to succeed. In under 5 years, she was able to open her company to help women with their branding needs. We dive deep into her faith, her beliefs and how they were established.
Decoding The Social Media Algorithm
How does someone go from ZERO followers to 240,000 followers in 3 years on LinkedIn? Our guest Michael David Chapman walks us through step by step on what he did to attain that goal. As well as how he came into my life right when I needed someone like him!
Creating the perfect CRM!
Who really wants to take the time to create the perfect CRM for themselves? Our guest Josh Friend did just that! Find out what pushed him to do that and how Insellerate stands out from the crowd.
Meet The Recruiters
What do you get when you put 3 of the top mortgage industry recruiters on a panel podcast? You get an amazing episode!!
Brandi Floyd, Jim Boghos and Guy McFadden told us what they like and don't like, as well as what a company could do to make sure our sales staff never takes a phone call from them. Grab a note book for this episode!
Dani Hernandez, Ask The Underwriter / The DACA Borrowers
With the recent decision by the Supreme Court to allow DACA to remain as a policy, Dani Hernandez was the perfect guest to come on Laugh, Lend and Eat. Dani is a nationally recognized mortgage underwriter and content creation expert. She is a contributor for HousingWire’s blog, “Ask the Underwriter.” Dani is very socially conscious driven and this passion flows into her views on the mortgage industry and her interpretation on guidelines.
Tony Thompson, Founder of NAMMBA / Seeking inclusivity for all
Tony Thompson founded the National Association of Minority Mortgage Bankers of America (NAMMBA) as a national trade association dedicated to the enrichment and betterment of minorities and women who work in the mortgage industry. We were privileged to speak with Tony as large scale Black Lives Matter demonstrations are occurring all over the world. Tony allowed us to gain more perspective around multiple topics effecting the black communities, especially within the mortgage banking community.
Michael Hammond, Founder of NexLevel Advisors / Fintech hunting and beyond!
In 2019, Hammond was selected as one of HousingWire’s Tech Trendsetters thanks to his digital insight and leadership. He is also one of only 60 individuals to earn the prestigious Certified Mortgage Technologist designation, presented by the Mortgage Bankers Association. This is a deep dive into how fintech is here to stay in the mortgage industry
Molly Ruland Founder, CEO Heartcast Media / Amplifying The Special Messages
Molly Ruland founded Heartcast Media as a full service podcast production studio and content creation lab in Washington, D.C. This interview was very special to me since Molly was able to share her feelings regarding the recent racial dialogue that is occurring in our country. Molly's goal to amplify the messages that make the world a better place can be heard throughout this conversation.
Kevin Delory, SVP of Carrington Mortgage Services
Kevin Delory is a dear friend of mine and to have him come on the 10th episode just it made it that more special. Kevin's lessons on leadership, while simple, are tried and true and explains how he's able to motivate his sales team even during these days of SHELTER AT HOME. Plus we lean what never to feed Kevin should he come to your home for dinner!!!
Clayton Collins, President/CEO of Housingwire
This was my first time actually speaking with Clayton and I really enjoyed it! What a great story he tells of his transition from working in financial sector in NYC to buying the magazine Housingwire and moving his family to Dallas, TX. Great insight on how the mortgage industry is evolving, as well as what Clayton is bullish on. Also...there is a special discount code shared in this episode for the upcoming Housingwire's ENGAGE webinar...so make sure to listen all the way through!!!
Molly Dowdy, Co-Founder of Next Mortgage Events
Coming from the technology side of the mortgage industry, it was easy for Molly Dowdy to use that experience to help create NEXT Mortgage Events. The focus has been on raising awareness of women within the mortgage industry and their use of FINETCH to create better operational platforms. On a side note, this was my first shelter in place episode, so we had some challenges to overcome, but we prevailed!!!
Ep 7; Samuel Bjelac III / How To Get Your Share of Non-QM Business
As SVP for Sprout Mortgage, Samuel Bjelac talks about the challenges that lay ahead for the mortgage industry and how Non-QM business will survive this moment.
Ep 6: Rob & Casey Cunningham / Building A Business Together
Xinnix The Mortgage Academy's co-founders Rob & Casey Cunningham share their insight on how build a business and build a life...together. One question however caught one of them off guard, but the answer was so worth the wait!!!
Ep 5: Raquel Borras / Be True To Yourself...No Matter What!
Raquel Borras founded TRUE TO YOU BRANDING to help all professionals create a brand that is theirs uniquely. Hi energy and lots of laughter explains how Raquel created her personal brand.
Ep 4: Laura Brandao / Creating Opportunities To Achieve Results
Laura Brandao, President of American Financial Resources explains how she was able to climb the corporate ladder, simply by creating her own opportunities.
Ep 3: Leora Ruzin / Leading With Love
Have you ever heard that your beginning does not have to define you? Leora Ruzin, CMB editor of Mortgage Woman Magazine talks about just that. How she overcame challenges that made her the leader she is today.
Ep 2: Josh Pitts / Collaborate To Create!
Voted 2019 "40 Most Influential Mortgage Professionals Under 40" Josh Pitts, Founder of Shred Media talks about the day he decided to get into the mortgage industry and his decision to focus on marketing with collaboration.
Ep 1: Vivian Hughes/ What Is Your Brand?
Vivian Hughes founder and CEO of Brand New Me discusses how to define your brand to go beyond your business life.
What is your brand? And how will it be remembered?