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Laugh, Lend and Eat

Laugh, Lend and Eat

By Fobby Naghmi

Welcome to Laugh, Lend and Eat, the podcast hosted by Fobby Naghmi and Madison Keenan. This podcast is all about three things they love - laughing, mortgage lending, and eating good food.

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!
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From Teen Mom to Mortgage Pro: Stefani Boyd's Journey in the Industry

Laugh, Lend and Eat Sep 20, 2023

Opportunities in Challenge: AI, Teamwork, and the Path to Excellence

Opportunities in Challenge: AI, Teamwork, and the Path to Excellence

Join Fobby Naghmi, SVP of Homecomings Mortgage & Equity, as Craig Ungaro, COO of AnnieMac Home Mortgage, joins him. Explore the profound metamorphosis of the industry through the lens of AI and machine learning.

Craig, a luminary in the field, unravels the power of AI to refine and accelerate underwriting processes, ushering in a new era of efficiency and reliability. Learn how machine learning isn't just advancing operations but is a harbinger of endless possibilities and hope.

Listen as we delve into the fusion of sales and operations, taking cues from the dynamic teams at AnnieMac and how this collaboration is pivotal in navigating the intricacies of loan processing in the digital age.

As Craig reflects on his esteemed career and personal philosophy, he imparts a timeless lesson: view every challenge as a hidden opportunity. This episode is a treasure trove of insights for enthusiasts and professionals eager to grasp the future-forward narrative of the mortgage industry.

Nov 08, 202332:36
Donuts, Deals, & Digital Calls w/ Madison Keenan

Donuts, Deals, & Digital Calls w/ Madison Keenan

In this exciting episode of "Laugh, Lend, and Eat," hosts Fobby Naghmi and Madison Keenan delve into the world of mortgages while adding a touch of humor and a sprinkle of office pastry drama.

Tune in as they unpack a novel approach to accountability in the digital age and share innovative strategies to distinguish oneself in the bustling real estate market.

Episode Highlights:

  • Zooming into Accountability: Discover the unique idea of silent Zoom calls designed to keep professionals accountable in a world where remote work is the new norm. Will it become the next big trend in sales?
  • Tech Troubles: Ever been frustrated with the ever-evolving CRMs or the constant password updates required for professional systems? Fobby and Madison discuss the love-hate relationship many have with technology in the industry.
  • Revolutionizing Open Houses: Madison introduces a game-changing follow-up technique that promises to leave a lasting impression on potential clients. Forget traditional methods; it's time for some video magic!
  • The Great Pastry Debate: Can a box of pastries sway business decisions? Madison shares her candid take on the age-old practice of bringing treats to the office, especially by mortgage insurance companies. Is it a sweet gesture or a strategy with strings attached?
  • Market Musings: The dynamic duo reflects on the ever-changing market landscape, emphasizing the need for adaptability and innovation. With markets ebbing and flowing, how can professionals stay ahead of the curve?

Join Fobby and Madison on a thrilling journey through the world of mortgages and beyond. With a mix of humor, real-life stories, and expert insights, this episode promises to be both informative and entertaining. Whether you're a seasoned industry professional or just looking for a good listen, you won't want to miss this roller-coaster ride of laughter and learning!

Nov 01, 202336:37
The Power of Cash: AnnieMac's Home Buying Solution

The Power of Cash: AnnieMac's Home Buying Solution

Get ready for an exciting episode of "Laugh, Lend and Eat" as Fobby Naghmi, SVP of Homecomings Mortgage & Equity, takes us on a journey to discover the cutting-edge Cash2Keys program.

With Fobby's expertise and insightful commentary, we'll learn why the Cash2Keys program is the way to go when it's time to buy a home, whether it's your first home or your next home.

Joining Fobby are special guests Tom Bickett and Andy Craig, both esteemed members of the AnnieMac Home Mortgage team.

Together, they embark on a journey to demystify the innovative program that's reshaping the home-buying landscape.

🔑 Highlights:

  • Innovating Real Estate: Understand the genesis and vision behind the Cash2Keys program and its role in modern real estate.

  • Buyer Benefits: Discover how Cash2Keys provides a competitive edge in a market dominated by timely cash offers and the flexibility it offers potential homeowners.

  • Behind the Scenes: Tom and Andy shed light on the program's mechanics, sharing insights on its development, challenges, and success stories.

  • Host's Take: Fobby, with his vast experience in the mortgage industry, provides a unique perspective, drawing parallels with his role at Homecomings Mortgage & Equity and the broader goals of AnnieMac Home Mortgage.

Whether you're a homebuyer, a real estate enthusiast, or someone intrigued by market innovations, this episode promises a blend of knowledge, experience, and insightful discussions. Tune in to get a firsthand account of the future of home buying!

Oct 25, 202334:26
Jay Doran: Leading with Culture

Jay Doran: Leading with Culture

Discover the secrets to success and fulfillment by joining us for an illuminating conversation on Laugh, Lend, and Eat. Don't miss out on this opportunity to elevate your life as Fobby Naghmi, SVP of Homecomings Mortgage & Equity, is joined by Jay Doran, host of The Culture Matters Podcast and an organizational culture and leadership expert.

Key Highlights:

  • The Power of Communication: Discover why clear and honest communication aligns expectations and fosters understanding in any relationship.
  • The Role of Culture: Delve into how culture acts as the heartbeat of an organization and why aligning it with brand perception is critical.
  • Personal Growth and Learning: Explore the significance of continuous learning and personal development and how books and habits play a pivotal role.
  • Lessons from Unlikely Sources: Uncover the unexpected life lessons we can learn from history and the evolution of individuals and organizations.
  • The Podcast Guest's Recommendations: Jay shares his insights into language learning, must-read books, and the power of audiobooks for personal growth.

Join us as we explore the profound impact of culture, communication, and personal growth in personal and professional realms. This episode will allow the listener to gain invaluable insights into the factors that shape their journey toward achieving their goals.

Oct 18, 202301:17:19
Student Loans and the Housing Hustle: Navigating Financial Waters

Student Loans and the Housing Hustle: Navigating Financial Waters

In this episode of Laugh, Lend, and Eat with Madness, hosts Fobby Naghmi and Madison Keenan shed light on the intertwined realms of student loans and the housing market. As they meander through the discussions surrounding mortgage refinancing, rate fluctuations, and the impact of student loan repayments, they unveil how these financial elements dance in a delicate yet impactful fandango.

Key Takeaways:

  1. Impact of Interest Rates:

    • Understanding the flex and flux of interest rates and how they influence mortgage and student loan repayments.
    • The psychology behind interest rates and how individuals perceive and react to rate variations.
  2. Refinancing Rundown:

    • Discussing scenarios where refinancing can be beneficial to consolidate student loans and other debts into a mortgage.
    • Highlighting the importance of evaluating the long-term impact and savings before jumping onto the refinancing bandwagon.
  3. Student Loan Repayment Reality:

    • Exploring the impending wave of student loan repayments and how it's a critical factor to consider for potential homebuyers.
    • Understanding the financial discipline required to manage student loans and mortgage payments effectively.
  4. Inventory Insight:

    • Analyzing the current housing inventory and how it's evolving compared to the previous year.
    • Discuss strategies for loan officers and homebuyers to adapt to the market conditions and expand their opportunities.
  5. Market Adaptation and Expansion:

    • The importance of adapting to market changes and considering expansion into different states to broaden market share and opportunities.
    • Encouraging loan officers to strategize and plan for the ongoing and upcoming market challenges.
  6. A Closer Look at Individual Financial Scenarios:

    • Case studies and real-life scenarios discussed to underline the importance of personalized financial planning and advice.
    • The need for a holistic approach in financial decision-making considering all debt obligations, not just the mortgage rates.
  7. Predictions and Preparations:

    • Madison's predictions regarding the upcoming challenges and the importance of preparing for the financial hurdles ahead.
    • Look at potential solutions and strategies to navigate the financial maze of mortgages and student loans.

This episode presents a lively discussion filled with humor and insights and serves as a financial compass guiding listeners through the turbulent waters of student loans and the housing market. Whether you're a loan officer, a homebuyer, or someone grappling with student loans, tune in to glean valuable insights from Fobby and Madison's dialogue on "Student Loans and the Housing Hustle."

Oct 03, 202331:52
Unlocking the Mortgage Mindset Insights with Phil Treadwell

Unlocking the Mortgage Mindset Insights with Phil Treadwell

"Unlocking the Mortgage Mindset: Insights from Phil Treadwell"

Episode Overview:

In this riveting episode of Laugh Lend and Eat, hosts Fobby Naghmi and Madison Keenan sit down with Phil Treadwell, the founder of M1 Academy and the host of Mortgage Marketing Expert. The trio dives deep into the intricacies of the mortgage industry, discussing the importance of mindset, building trust, and the power of an abundance mentality.

  1. Mindset Matters: Phil emphasizes that mindset is not just a buzzword but the most crucial element that controls our attitude and actions. It's the starting point for any mortgage professional looking to make a significant impact.

  2. Building Trust: The conversation explores the importance of trust in both client and partner relationships. Phil shares two easy ways to build trust: finding common ground and offering value without expecting anything in return.

  3. Marketing vs. Sales: Phil distinguishes between marketing, which is about grabbing attention, and sales, which is the conversation that follows. He argues that effective marketing is a balance of trust and attention.

  4. Abundance vs. Scarcity Mindset: Fobby brings up the concept of an abundance mindset, where everyone can win, as opposed to a zero-sum game. Phil agrees and discusses how this mindset can be especially empowering in the mortgage industry.

  5. Daily Habits and Non-Negotiables: Phil suggests that having daily habits can create a series of small wins that build momentum and confidence, ultimately leading to better performance.

  6. Unique Value Offer: Phil talks about the importance of having a unique value proposition to stand out in a crowded market. He mentions that this can change the narrative and help mortgage professionals offer more than just rates to their clients.

  7. The Power of Action: Phil wraps up by emphasizing that taking action, even if small, can have a significant impact on your mindset and your business. Doing something is always better than doing nothing.

  • Book: "Tribes" by Seth Godin
  • M1 Academy by Phil Treadwell
  • Mortgage Marketing Expert Podcast
  • Phil's guilty pleasure: Chips and Queso
  • Fobby's Cannoli Cake mishap in New Jersey
  • Madison's insights into consumer behavior and marketing

Tune in for an episode filled with actionable insights and candid conversations that will leave you with a fresh perspective on the mortgage industry. Whether you're a seasoned professional or new to the field, this episode has something for everyone.

🎙️ New Episode Alert: Unlocking the Mortgage Mindset with Phil Treadwell 🎙️

Hey everyone! We've got a special treat for you on the latest episode of Laugh Lend and Eat. We sat down with Phil Treadwell, the founder of M1 Academy and host of Mortgage Marketing Expert, to dig deep into the mortgage industry's most pressing topics.

🔑 Key Takeaways:

  • The critical role of mindset in your success
  • The art of building trust in relationships
  • The difference between marketing and sales
  • The power of an abundance mindset
  • Daily habits that can change your life

Whether you're a seasoned mortgage professional or just starting out, this episode is packed with actionable insights that can help you elevate your game. Don't miss out!

👉 Swipe right to see some of the episode's highlights and click the link in bio to listen now! 🎧

#LaughLendAndEat #MortgageIndustry #MindsetMatters #BuildingTrust #MarketingVsSales #AbundanceMindset #PhilTreadwell #M1Academy #MortgageMarketingExpert #PodcastEpisode #NewEpisodeAlert

@PhilTreadwell @MadisonKeenan @FobbyNaghmi

Sep 30, 202338:37
From Teen Mom to Mortgage Pro: Stefani Boyd's Journey in the Industry

From Teen Mom to Mortgage Pro: Stefani Boyd's Journey in the Industry

In this episode, host Madison Keenan of Cross Country Mortgage sits down with industry veteran Stefani Boyd of Professional Mortgage Associates Inc. to discuss the secrets to long-term success in the mortgage business. From the importance of networking and community involvement to leveraging social media, this episode is packed with actionable insights.

  • Why networking is crucial in the mortgage industry
  • The benefits of having a diverse network, both within and outside the industry

Key Takeaway: Networking is not just for client acquisition; it's a multifaceted tool for personal and professional growth.

  • Stefani's experience with Meals on Wheels
  • How volunteering can serve dual purposes: community service and professional networking

Key Takeaway: Authentic and consistent involvement in community service can be a win-win for personal satisfaction and business growth.

  • Stefani's approach to social media
  • How platforms like Facebook and Instagram can be more than just a 'like' generator

Key Takeaway: Use social media as a tool to engage with your community and stay top of mind, not just to collect likes and follows.

  • The value of small, thoughtful actions in maintaining professional relationships
  • Examples of simple yet effective gestures

Key Takeaway: Small, sincere gestures can make a big difference in how you're perceived and remembered.

Key Topics Covered1. The Power of Networking2. Volunteering as a Networking Tool3. Social Media: The Modern-Day Connector4. The Impact of Small GesturesAdditional ResourcesConnect with Our GuestConnect with the HostEpisode Sponsor

Sep 20, 202345:09
Father Knows Best – Lessons in Sales, Humor, and Tik-Tok

Father Knows Best – Lessons in Sales, Humor, and Tik-Tok

Join Fobby Naghmi, SVP of Homecomings Mortgage, and Madison Keenan of CrossCountry Mortgage in a riveting discussion between father-daughter duo Joe and Maddie.

We get a behind-the-scenes look at how industry veterans and fresh talents view the landscape of sales, mortgage, and networking. It turns out the age-old saying "Father Knows Best" holds a significant value when you dive into the world of sales and relationship building. But don't let the generational gap fool you; the pair has more in common than you think.

Both Joe and Maddie employ humor as a powerful tool in their respective professions. Maddie uses wit and charm on TikTok to break down the complexities of mortgages and home-buying, turning what could be a stress-inducing topic into something relatable. Joe, on the other hand, reminisces about the days he would employ humor to diffuse high-stakes conversations about loan rates, taking the edge off a topic that tends to be tension-filled.

Joe's 50-plus years of experience shine when talking about the power of referral networks. He shares an incredible story about moving vodka from the United States to Moscow, an opportunity that came from a simple phone call from a friend in England. Maddie, too, has begun to see the networking potential, albeit digitally. Her TikTok videos act as a lead funnel, drawing viewers into her 'tribe' and eventually converting them into clients.

While Joe remains a staunch advocate for traditional networking, he acknowledges the digital shift. He talks about solving a shipping issue by going straight to the top via LinkedIn, showcasing that tenacity knows no bounds. Maddie, a digital native, corroborates this view, emphasizing the importance of leveraging online platforms to reach wider audiences.

No one is immune to blunders, and both Joe and Maddie share their 'cringe-worthy' experiences in sales pitches and marketing. For Joe, the cringe came from a bizarre pitch he received that included a box of $100 in one-dollar bills. Maddie's pet peeve is the saying, "Marry the home, date the rate," a term she feels misguides borrowers. Learning from such instances only adds to their growing expertise.

While Joe might have decades of experience under his belt, Maddie's fresh perspectives and digital savvy make her a force to be reckoned with. This loving father-daughter rivalry manifests as a mutual respect for each other’s craft, providing a wholesome picture of how traditional and modern approaches can coexist and enrich the industry.

The dialogue between Joe and Maddie highlights that while the tools of the trade may change, the essence of relationship-building, tenacity, and humor remains timeless. And in this case, father truly does know best—but he's got a lot to learn from his daughter, too.

Sep 05, 202335:05
Leadership Roundtable 2023: Navigating the Mortgage Landscape

Leadership Roundtable 2023: Navigating the Mortgage Landscape

Fobby Naghmi, SVP of Homecomings Mortgage & Equity, hosts the first Leadership Roundtable with Corrina Carter of CMS Mortgage, Keith Canter of First Community Mortgage, and Gabe Gillen of Family First Funding, a division of AnnieMac Home Mortgage.


In the vibrant world of mortgage and real estate, changes are constant. Industry leaders nationwide gathered on the popular podcast "Laugh, Lend & Eat" to discuss current trends, predictions, and insights into mortgage lending, home buying, and real estate investments. Here's a combined review of the four engaging segments:

  • Mortgage Rates: Current mortgage rates and their implications for lenders and borrowers.
  • Refinancing Opportunities: Opportunities in refinancing homes, leveraging low-interest rates.
  • Residential Mortgages: Examining trends in residential mortgages, from home equity lines of credit (HELOC) to first-time buyers.
  • Sales Strategies: Expert insights into effective sales strategies for the mortgage industry.
  • Real Estate Marketing: Effective marketing techniques for real estate agents.
  • Building Relationships: Creating solid relationships with clients and business partners.
  • Cross-Cultural Team Building: Managing diverse teams within the mortgage and real estate industry.
  • Referral Networks: Building and leveraging referral networks for business growth.
  • Coaching Salespeople: Tips for finding and coaching salespeople to achieve their potential.
  • 2024 Housing Market Predictions: Panelists' predictions for interest rates, refinancing, home equity, and more.
  • Bidding Wars and Affordability: Concerns about bidding wars and housing affordability issues.
  • Adapting to Market Changes: Emphasis on the necessity for innovation and adaptability in the mortgage and real estate industry.


"Laugh, Lend & Eat" offers a rich insight into the multifaceted world of mortgage lending and real estate. From understanding current mortgage rates to looking ahead at 2024 predictions, this podcast encapsulates the dynamism and complexities of the industry. Key themes that resonate throughout these discussions are adapting, innovating, and staying ahead of the curve.

These segments offer valuable takeaways for mortgage lenders, real estate agents, homebuyers, or anyone interested in the pulse of the housing market. As we navigate the remainder of 2023 and look to the future, staying informed and adaptable will be paramount for success in mortgage and real estate.

The Mortgage Landscape - Understanding Today's MarketSales and Marketing - Building Success in Real EstateCross-Cultural Teams and Referral NetworksPredictions for 2024 - Looking Ahead

Aug 23, 202346:09
Meet the Recruiters 2023

Meet the Recruiters 2023

Hosted by ⁠Fobby⁠of Homecomings Mortgage & Equity, the 2023 edition of the annual Meet the Recruiters episode on Laugh, Lend, and Eat the Podcast brings together an exciting panel that encapsulates the world of mortgage recruitment. This episode features a candid conversation with Dalilah Ramos from Love and Taco Media, Steve Tremayne of Team Mortgage Recruiters (TMR), and Michael Laka from Options ABC. Together, they share insights, laughter and reveal the dynamics of the mortgage industry in these turbulent times.

Panel Insights:

  1. The Language of Networking - Dalilah Ramos: The self-proclaimed taco-lover, Dalilah, brings a refreshing angle to networking, providing a connection between different job locations and professionals seeking new opportunities.

  2. Innovation in Recruitment - Steve Tremayne: Being new to social media, Steve Tremaine of TMR expresses how digital platforms have reenergized past relationships and enabled him to stay on top of his sphere of influence.

  3. Surviving the Turbulence - Mike Laka: The current climate has seen about 50,000 licensed loan originators pushed out. Mike Laka's strategic approach to this volatility emphasizes intentionality in conversations and constructive use of time.

The Social Media Edge:

The conversation highlights how social media has amplified recruitment efforts and allowed recruiters to foster connections and engage with existing and new candidates. Steve's candid revelation about his recent appearance in social media algorithms sheds light on how digital platforms can enhance visibility in the mortgage industry.

Reflection on the Past Year:

The past 12 months have been turbulent, filled with changes that resemble a never-stopping merry-go-round. Mike compares the current state to the refi boom from two and a half years ago, signifying a level of craziness that demands a strategic approach.


Meet the Recruiters episode has set the stage for a thrilling exploration of the mortgage industry's modern recruitment strategies, challenges, and success stories. With Fobby's engaging hosting style and a panel of industry experts, listeners can expect a blend of humor, insights, and valuable lessons from this six-part series. The anticipation builds for the next installment, promising more wisdom and laughter from the world of mortgage recruitment.

Aug 15, 202347:37
The Power Of Creating Value: How To Thrive In Any Market

The Power Of Creating Value: How To Thrive In Any Market

Fobby Naghmi of Homecomings Mortgage & Equity hosts a LIVE episode with real estate coach Jeff Lobb of Sparktank Media. They dive into how mortgage loan officers are doing the same things expecting different results. INSANITY!

As a mortgage professional or a real estate broker, you understand the importance of building strong relationships with realtors and attracting new business opportunities. In this blog, we delve into the power of creating value and how it can transform your business, enhance your reputation, and drive growth.

  • Understanding the Importance of Value:

    • Value goes beyond just closing deals; it's about being the solution provider that realtors can rely on.
    • Embrace a customer-centric approach, and let your value proposition resonate with realtors personally and professionally.
  • Crafting a Compelling Value Proposition:

    • Offer a unique blend of services that go beyond traditional mortgage solutions.
    • Highlight your expertise in residential mortgages, loan servicing, and mortgage lending.
    • Emphasize how you specialize in addressing realtors' top concerns, such as finding listings, solving problems, and enhancing their marketing efforts.
  • Building Genuine Relationships:

    • Be more than just a service provider; be a mentor and a partner.
    • Invest time in coaching and supporting realtors to achieve their goals.
    • Go beyond the transactional approach and engage in meaningful interactions that foster trust and loyalty.
  • Leveraging the Power of Partnerships:

    • Collaboration is a key component of creating value.
    • Partner with realtors to leverage their expertise in real estate while you focus on your mortgage specialty.
    • Demonstrate your commitment to helping realtors succeed, and they'll become more than just business contacts—they'll become long-term partners.
  • Unveiling Unique Products and Services:

    • Stand out from the competition by introducing innovative products and services.
    • Offer exclusive solutions like cash-to-keys programs, no-contingency contracts, or buy-now-sell-later options.
    • Capture realtors' attention and demonstrate your commitment to providing unmatched value.
  • Adapting to Market Changes:

    • Real estate is constantly evolving, and so should your value proposition.
    • Stay ahead of market trends and proactively adapt your services to meet the changing needs of realtors.
    • Be forward-thinking and flexible, positioning yourself as a reliable resource in any market condition.
  • Empowering Your Realtors:

    • At the core of creating value is empowering realtors to thrive.
    • Offer them access to valuable resources, training, and education.
    • Support them in enhancing their skills and knowledge, and they will appreciate your commitment to their success.

In a highly competitive real estate landscape, creating value is not just an option; it's a necessity. By understanding the needs of realtors and providing tailored solutions, you can build lasting relationships and achieve long-term success. Creating value means transforming realtors' experiences, empowering them to reach their full potential, and propelling your business to new heights. Embrace the journey of value creation and witness the remarkable impact it can have on your mortgage business in the real estate world.

Aug 03, 202353:35
Fueling Success: Exercise and Nutrition in the Mortgage Industry

Fueling Success: Exercise and Nutrition in the Mortgage Industry

Fobby Naghmi and Madison Keenan are joined by Cory Parker and Nicole McGonagle in a captivating conversation that highlights the importance of exercise, nutrition, and finding balance in the lives of mortgage professionals.

In today's fast-paced world, where work, fitness, and overall well-being can be challenging to balance, mortgage professionals often find themselves immersed in a demanding work environment that takes a toll on their physical and mental health. There is a way to achieve harmony and prioritize self-care even in this environment.

During the discussion, participants reveal how exercise plays a vital role in their lives. Sharing their experiences and insights, they delve into the transformative power of physical activity. Cory and Nicole emphasize the significance of a structured workout routine, consistency, pushing limits, and gradually increasing weights to achieve their fitness goals. This dedication to exercise resonates deeply within the mortgage industry, where discipline and perseverance are paramount for success.

Beyond physical fitness, the gym has profound effects on mental well-being and productivity in the workplace. Participants describe how exercise energizes and sharpens their focus, enabling them to tackle the workday with renewed vigor. A morning workout sets a positive tone, boosting mood, reducing stress, and enhancing cognitive function. By prioritizing exercise, mortgage professionals can optimize productivity and approach their work from a position of strength and clarity.

Nutrition: Fueling the Body and Mind: In the mortgage industry's demanding schedules, proper nutrition often takes a back seat. However, the conversation highlights the significant impact of nutrition on overall health and performance. Good nutrition complements exercise, providing the necessary fuel for thriving bodies. Whether through mindful eating or maintaining a balanced diet, incorporating healthy food choices into daily routines is essential for sustained energy levels, mental clarity, and overall vitality.

The Power of Yoga and Mindfulness: The discussion also sheds light on the incredible benefits of yoga and mindfulness practices. Madison eloquently describes how yoga enhances flexibility, and strength, and cultivates mindfulness, enabling a deep connection with our bodies and finding balance in life. Yoga serves as a powerful tool for mortgage professionals to release stress, cultivate self-awareness, and foster a calm and focused mind amidst the daily challenges of the industry.

Cardio and Cardiovascular Health: Cardiovascular exercise, including running, sprinting, or elliptical training, emerges as an integral part of overall fitness. Participants share their approaches, such as interval training, to make cardio engaging and less monotonous. Maintaining cardiovascular health is crucial for mortgage professionals who spend long hours sitting, ensuring optimal fitness levels to excel in their careers.

Striking a Balance: As the conversation progresses, it becomes evident that finding balance is the key to success and well-being. Exercise and self-care routines are not just about physical appearances; they directly impact work and personal lives. Participants acknowledge the emotional and mental challenges that arise when they are unable to work out, highlighting the importance of rest days and self-compassion. Striving for balance, whether through yoga, gym workouts, or other forms of exercise, empowers mortgage professionals to perform at their best while caring for their bodies and minds.

For mortgage professionals, exercise, nutrition, and mindfulness are vital components of a healthy and fulfilling lifestyle. Integrating these elements into daily routines enhances work performance, stress management, and overall well-being. Taking care of our bodies and minds is not a luxury but a necessity for sustained success and happiness in the dynamic world of mortgage professionals.

Jul 26, 202340:46
Nurturing Client-Friend Relationships: Insights from a Mortgage Loan Officer

Nurturing Client-Friend Relationships: Insights from a Mortgage Loan Officer

In the latest episode of "Laugh, Lend, Eat with Madness," Madison Keenan and Fobby Naghmi have a conversation that takes an introspective turn as they explore the profound impact of technology on society and the resulting fear it can evoke.

Shifting gears, they delve into the mortgage industry, offering insights from Madison's perspective as a loan officer. Join us as we dive into the dynamic landscape of friendships and clients, where effective communication, genuine connections, and professional expertise intersect.

  1. Blurring the Lines: Friends and Clients As Madison reflects on her journey, she shares experiences where clients have transitioned into cherished friendships. Acknowledging the rarity of such occurrences, she highlights the mutual support and trust that blossoms when clients become true advocates. Conversely, she contemplates the challenges that arise when friends become clients, navigating the delicate balance between personal connections and maintaining professional integrity.

  2. A Day in the Life of a Mortgage Loan Officer Madison provides a glimpse into her role as a mortgage loan officer, showcasing the myriad responsibilities she handles on a daily basis. From interacting with clients and discussing financial goals to navigating market conditions and interest rate fluctuations, her expertise shines through. With a touch of humor, she candidly shares anecdotes about closing deals, juggling calls, and the thrill of helping clients secure their dream homes.

  3. Growth and Reflection: The Power of Podcasting As the hosts intertwine personal anecdotes with professional insights, they reflect on the growth of their podcast. From its humble beginnings to becoming a platform for realtors, loan officers, and homeowners alike, the duo marvels at the diverse perspectives and experiences shared. With each episode, they continue to provide valuable information, fostering a community of engaged listeners.

  4. Embracing Technology's Evolution Madison's musings on technology's rapid evolution highlight its undeniable impact on the mortgage industry. From the days of cash registers and Commodore 64 computers to the era of advanced communication and data technology, Madison and Madness ponder the future. Their excitement and trepidation intertwine, acknowledging the transformative power of technology while cautioning against losing touch with reality.

In this captivating episode of "Laugh, Lend, Eat with Madness," Madison and Fobby provide profound insights into the delicate dance between friends and clients in the mortgage industry. With their engaging banter, personal anecdotes, and professional expertise, they shed light on the nuanced relationships loan officers cultivate. By embracing effective communication, trust, and genuine connections, Madison exemplifies the ideal blend of friendship and professionalism. As the podcast continues to grow, their perspectives on technology, growth, and client relationships will undoubtedly inspire both industry professionals and aspiring homeowners alike.

Jul 19, 202336:28
 Embracing Your True Self on Social Media

Embracing Your True Self on Social Media

Join Fobby Naghmi & Madison Keenan to discuss how to be your true self on social media. Their guest this time is author, podcast host, and keynote speaker Coach Kyle Draper. This episode explores the dynamic world of social media. From embracing authenticity and personal growth to addressing the challenges of offense and intentional engagement, this summary encapsulates the key discussions and insights shared throughout the series.

Summary: Throughout the series, Coach Kyle Draper emphasizes the importance of being true to oneself in the digital realm. The hosts encourage listeners to show up authentically, fostering genuine connections with their online communities.

As the conversation continues, the focus shifts to personal development. Coach Kyle Draper shares his transformative journey, highlighting how social media can catalyze self-discovery and growth. The hosts delve into the power of self-reflection and self-awareness, urging listeners to utilize social media as a platform for personal growth and self-expression.

Addressing the challenges of getting offended on social media, the hosts explore the psychological impact of offense and advocate for personal responsibility. They emphasize the importance of questioning rather than judging others, finding a balance between personal and professional personas, and fostering intentional engagement.

The hosts discuss resilience and intentional content creation. They highlight the power of authenticity, address comparison tendencies, and emphasize the importance of embracing successes and setbacks in social media presence. Individuals can navigate the online world with resilience and intentionality by reflecting, growing, and creating meaningful connections.

Conclusion: Mastering social media requires embracing authenticity, overcoming offense, and nurturing personal growth. In this engaging podcast series, Coach Kyle Draper and the hosts empower listeners to navigate the online world with resilience, intentionality, and self-awareness. By being true to oneself, embracing personal growth opportunities, and approaching social media with an open mind, individuals can cultivate a meaningful digital presence and positively impact their online communities.

Jul 11, 202348:41
The Secret Sauce For The Current Housing Market: The Buy Now, Sell Later Program

The Secret Sauce For The Current Housing Market: The Buy Now, Sell Later Program

In this inaugural episode of "Laugh, Lend and Eat: Soy Latino," Vince Caicedo and Fobby Naghmi set the stage for a vibrant and informative podcast dedicated to serving the Spanish-speaking mortgage professional community.

They share their passion for the Spanish language, discuss the challenges of the real estate market, and introduce innovative programs such as "Buy Now, Sell Later."

With Homecomings Mortgage's bilingual team and commitment to inclusive and diverse representation, this podcast promises to be an invaluable resource for Spanish-speaking listeners seeking to grow their careers in the mortgage industry.

Episode Highlights:

  1. Spanish Language and Culture:

    • Vince and Fobby express their enthusiasm for the Spanish language and its significance in the mortgage professional community.
    • They highlight the importance of diversity and inclusivity in representing all voices within their "Laugh, Lend, and Eat" community.
    • The hosts discuss their own experiences with Spanish-speaking radio shows and the positive response from listeners.
  2. Real Estate Market Challenges:

    • Vince discusses the real estate market in Jacksonville, Florida, highlighting its growth and influx of families relocating to the area.
    • The hosts address the common concern among homeowners about selling their homes and not finding suitable replacements due to low inventory.
    • They emphasize the significance of the Hispanic market in Florida, with one in four families being Hispanic and an increasing number of first-time Hispanic homebuyers.
  3. Introducing the "Buy Now, Sell Later" Program:

    • Fobby introduces a unique program called "Buy Now, Sell Later," offered by Homecomings Mortgage.
    • This program allows homeowners to purchase a new home and gives them 180 days to sell their previous home, offering flexibility and peace of mind.
    • The hosts express their excitement about this program and its potential benefits for homeowners in today's competitive market.
  4. The Secret Sauce of Homecomings Mortgage:

    • Vince explains the secret sauce behind Homecomings Mortgage's success, highlighting their efficient process and comprehensive support.
    • The hosts emphasize the advantages of a bilingual team that assists Spanish-speaking borrowers, from origination to processing and closing.
    • They discuss the team's ability to cater to the needs of Hispanic homebuyers and provide them with a seamless and comfortable experience.

Stay tuned for more engaging discussions, exciting guests, and a celebration of Latin flavor on future episodes of "Laugh, Lend and Eat: Soy Latino."

Jul 05, 202320:05
From Madness to Success: A Mortgage Journey

From Madness to Success: A Mortgage Journey

Introduction: Welcome to another edition of "Laugh, Lend, and Eat" with the one and only Madison Keenan and Fobby Naghmi of Homecomings Mortgage &Equity. In this episode, Madison reflects on her experiences in the mortgage industry, discusses the challenges she faces, and acknowledges her growth and achievements over the past few years. Join us as we delve into the intricacies of time management, maintaining client relationships, and finding gratitude amidst the ups and downs of the industry.

Finding Balance in the Chaos: Madison kicks off the conversation by acknowledging the hectic nature of her work and the challenges it brings. She highlights the constant phone calls, varying levels of business, and the struggle to balance personal and professional commitments. Despite these challenges, Madison recognizes that she is doing well, especially considering the industry's current state. She expresses gratitude for her accomplishments and the opportunities that have come her way.

Building Relationships with Realtors: As a mortgage professional, Madison understands the importance of building solid relationships with real estate agents. She emphasizes the significance of quality time spent with realtors rather than focusing solely on quantity. Madison admits to her struggle with time management and reflects on her journey to find the right Balance. She acknowledges that controlling the conversation during meetings and allocating sufficient time for other important tasks are essential skills to master.

Navigating Personal and Professional Growth: Madison's growth in the mortgage industry has been significant since her early days. She reflects on her progress and her milestones, such as doubling or even tripling her production. Madison attributes her success to perseverance, following her intuition, and maintaining strong client relationships. She shares her experience of going through difficult periods and becoming stronger on the other side.

Dealing with Loss and Continuing Forward: Madison commemorates her father's two-year anniversary during this episode. She discusses her father's impact on her life and career, remembering him as a great listener. Madison shares a personal story about her first closing after her father's passing and the understanding and support she received from her client during that challenging time. She reflects on how her father's memory inspires her to keep going, even during challenging moments.

The Mortgage Industry: A Unique Journey: The hosts recognize that the mortgage industry is a unique and challenging field. They compare it to the mob, saying it doesn't choose you; you choose it. They acknowledge that the financial rewards in this industry are significant, making it a lucrative career choice. Despite the moments of doubt and thoughts of leaving, the hosts highlight the financial stability and potential for growth that the mortgage industry offers.

Conclusion: Madison's journey in the mortgage industry has been filled with highs and lows, personal and professional growth, and the ability to navigate challenges. She expresses gratitude for the opportunities she has received and acknowledges that, despite the difficulties, she is doing well. The hosts recognize the industry's financial rewards and impact on their lives. Ultimately, Madison's story is a testament to the resilience and determination required to succeed in the mortgage industry.

Jun 21, 202337:08
The Real Realtors of New Jersey 2023

The Real Realtors of New Jersey 2023

Join Fobby Naghmi, Madison Keenan, and the Real Realtors of New Jersey, Gina Scodella and Kristina Hajhassan, as they dive into the gripping world of real estate stories, and the Real Realtors open up as they recount their most challenging experiences in today's unpredictable market. Prepare to be immersed in tales of intense competition, soaring prices, and bidding wars that have become the new normal in the industry. These agents have seen everything from properties originally designed as summer rentals now commanding outrageous prices to frustrated buyers and sellers caught in the frenzy. Communication breakdowns take center stage as agents share jaw-dropping stories of customers wanting more than they can afford, outdated technology, and unexpected document issues that threaten to derail deals. Discover how these agents rise above the chaos, finding creative solutions and keeping transactions on track. Get an insider's look into the demanding world of real estate as agents juggle multiple contracts and navigate the demands of their clients. Hear firsthand accounts of the mental and emotional toll the job can take, balanced by the satisfaction of successfully closing deals. Join us for this eye-opening episode, where we explore the resilience and dedication of real estate agents facing challenges head-on. Discover the secrets behind their ability to survive and thrive in an ever-changing market. Don't miss out on this thrilling journey through real estate horror stories that will leave you inspired and informed. Hit that play button now!

Jun 07, 202344:19
From Housing Trends to Personal Growth w/ Joe Panebianco

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

May 31, 202341:31
Unconventional Wisdom: Carl White's Perspective on Success

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.

  1. 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.

  2. 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.

  3. 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.

  4. 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.

  5. 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.

May 24, 202349:12
LLPAs, Women's Finances, and Real Estate

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.

May 04, 202337:40
Coaching Is A 2-Way Street

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.

Apr 26, 202347:17
Boosting Content with ChatGPT

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!

Topics Discussed

• [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.

Key Takeaways

• "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."

Apr 05, 202352:10
Rewriting the Job Search Rulebook: Tips for Making Bold Career Moves

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.

Mar 28, 202331:39
Humanizing Digital Communication with Darin Dawson of BombBomb

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, "," 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!


  • 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, "," 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.

Mar 21, 202342:03
The Power of Execution: Sales Strategies and Social Media Insights w/ Jeff Lobb

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

Mar 15, 202335:46
Madness' Tips For Boosting Your Credit Score

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.

Mar 08, 202336:24
At The Intersection of Media and Mortgages w/ Clayton Collins

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.  

Topics Discussed 

• [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.  

Key Takeaways 

• “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: LinkedIn: Clayton Collins.  

Follow the podcast: Host: Fobby Naghmi. 

Feb 28, 202343:59
Creating Social Media Content with ChatGPT

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 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.

Feb 26, 202349:04
The Hiring Process is Broken!

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.

Topics Discussed 

• [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.  

Key Takeaways 

• “It’s about decision-making processes.”  

Relevant Links Website: LinkedIn: Michael Chapman.  

Follow the podcast: Host: Fobby Naghmi

Feb 22, 202338:07
Madness' Blueprint for Attracting Realtors
Feb 07, 202331:53
Unexpectedly Unemployed: The Reality of Downsizing

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:

  1. 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. 
  2. Please don’t hold your personality back; use it to help you stand out in a sea of bland applications.
  3. 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:

  1. What is your employee turnover?
  2. How do you take care of your employees?
  3. What is the average length of tenure at your organization?
  4. How were your last employee engagement surveys?

Three tips for mortgage companies laying off employees:

  1. 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.
  2. When downsizing, companies must provide a dignified transition plan for their team members.
  3. 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:

Connect with Brandi Floyd:

Connect with Leora Ruzin:

Subscribe to our show: Laugh, Lend and Eat Website | Fobby Naghmi’s Website 

Jan 31, 202345:52
No Company is Perfect

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":

  1. Candidates may say this to acknowledge that every company has its challenges and issues.
  2. 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.
  3. 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.”

Jan 18, 202336:17
Brand Strategy 2023

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.

  1. 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.
  2. 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.
  3. 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.
  4. 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.
  5. 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.
Jan 05, 202337:29
Madness' 2022 Wrap Up Edition
Dec 28, 202228:44
How to deal with grief in the professional world

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: LinkedIn: Michael Chapman.

Follow the podcast: Host: Fobby Naghmi.

Dec 20, 202231:26
Madness' Thanksgiving 2022 Episode

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 friend

Key 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: Host: Fobby Naghmi. Co-Host: Madison Keenan.

Nov 22, 202227:53
Building Relationships, Not Selling A Product
Nov 09, 202232:23
The Real Realtors of New Jersey: Take 2

The Real Realtors of New Jersey: Take 2

Episode Summary

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.

Topics Discussed

· [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.”

Key Takeaways

· “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.”

Relevant Links 

Instagram: Darcy Reynolds                 @realestatedarcy 

Gina Scodella                                        @ginasellsnj_ 

Kristina Hajjassan                                 @closewithkristina  

Follow the podcast:  

Host:         Fobby Naghmi 

Co-Host: Madison Keenan

Oct 25, 202248:49
Laughter Is The Best Medicine

Laughter Is The Best Medicine

Episode Summary

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.

Key Takeaways

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”

Topics Discussed

· [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

Relevant Links





Follow the podcast: Host: Fobby Naghmi.

Oct 18, 202236:29
Meet The Underwriters

Meet The Underwriters

Episode Summary

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.

Relevant Links

LinkedIn: Clay Jones.

Mark Thomas. Phil Brousseau.

Follow the podcast: Host: Fobby Naghmi.

Oct 04, 202242:54
The Federal Reserve Does It Again!

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! 

Sep 27, 202230:24
What You Need To Know About Renovation Loans

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.

Renovate Me

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.  

Renovation Loans

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,

Sep 24, 202232:44
How To Create A Podcast

How To Create A Podcast

How To Create A Mortgage 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
Sep 14, 202249:37
Madness Need a Technology Detox

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:

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.

Sep 06, 202227:21
Mortgages & Mindfulness

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 

Contact Links 

Fobby Naghmi: 

Madison Keenan: 

Loretta Turner: 

Kim Clancy:

Aug 27, 202246:57
Let's Get Social: Using Social Media to Increase your Network

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!

Aug 10, 202246:47
Rethinking Accountabilty and Motivation

Rethinking Accountabilty and Motivation

Each day we have our to-do list of tasks and responsibilities. And, on top of that, we've all got dreams and goals we want to achieve. But whether we do all those things largely comes down to our motivation. So, where does motivation come from? Is it the same thing as accountability?
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
Aug 10, 202239:32
Women in Mortgage

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

Jul 27, 202245:29
Madness Goes To The 20/20 Vision Summit 2022

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!!!

Jul 12, 202241:07
Producing Managers & The 3-Legged Stool

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!

Resources Mentioned

First Option:

Get Fobby’s book, Falling Forward; Mishaps on the Road to Happiness:

Jul 05, 202242:19