Best Carlwhite Podcasts (2025)

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How to Get Agent Referrals… From Other Agents (with Steve Kyles) 8:09

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2h ago8:09

8:09

Episode 168 In this episode, Frank Garay sits down with Steve Kyles to talk about one of the most overlooked — and most profitable — referral strategies out there: getting agents to refer you to other agents. Most loan officers are laser-focused on winning one agent at a time… but what if every great agent you work with could open the door to 3 or …

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A Conversation With Jimmy Reed 32:04

1h ago32:04

32:04

Episode 583 Welcome to Loan Officer Freedom, the #1 podcast in the country for loan officers, hosted by Carl White. In this episode, Carl and Jimmy Reed have an unscripted conversation on overcoming challenges, from managing expectations to building momentum through consistent activity and real conversations. You will hear why defining success for …

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Hear My AI Answering Calls 40:43

5h ago40:43

40:43

Episode 582 Welcome to Loan Officer Freedom, the #1 podcast in the country for loan officers, hosted by Carl White. In this episode, Carl and Kristin Simpson dig into the speed to lead problem with real numbers, including the well known finding that 79 percent of borrowers close with the first loan officer they speak with, an MIT study showing conv…

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Win Big With Construction Loans 10:46

7h ago10:46

10:46

In this episode, I sit down with Justin Hubbert from Park Place Finance to dig into the opportunities surrounding Construction Loans. Justin breaks down how Park Place can help get these loans funded and why construction financing is such a powerful tool for loan officers looking to grow their business. We also talk strategy—specifically how loan o…

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One Life In, One Life Out 7:50

1h ago7:50

7:50

Episode 581 Welcome to Loan Officer Freedom, the #1 podcast in the country for loan officers, hosted by Carl White. In this episode, Carl opens up about a deeply personal season of life: the week his first grandson was born and his 90-year-old mother passed away just two days later. One life in, one life out. It sparked a powerful reflection on wha…

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From Newbie To 6 Closings This Month 25:30

20h ago25:30

25:30

Episode 580 Welcome to Loan Officer Freedom, the #1 podcast in the country for loan officers, hosted by Carl White. In this episode, Carl talks with loan officer Melissa Rishel about her inspiring leap from starting fresh in January to closing six loans this August. Melissa opens up about how she pushed through discouragement, leaned on her faith, …

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What Do You Wish You Would Have Known? 33:17

6d ago33:17

33:17

Episode 579 Welcome to Loan Officer Freedom, the #1 podcast in the country for loan officers, hosted by Carl White. In this episode, Carl and Chris Johnstone trade insights on the lessons they wish they had learned earlier, sharing candid stories that touch both business and life. You will hear why 79 percent of funded loans come from referrals, ho…

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Will Rates Jump? The Future of Fannie & Freddie 21:59

9d ago21:59

21:59

Episode 578 Welcome to Loan Officer Freedom, the #1 podcast in the country for loan officers, hosted by Carl White. In this episode, Carl sits down with Owen Lee to tackle one of the biggest questions facing our industry right now: what happens if Fannie Mae and Freddie Mac come out of conservatorship? Owen breaks down the history of Fannie and Fre…

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Transacting Real Estate with Crypto 13:03

21d ago13:03

13:03

Episode 166 In this episode, I sit down with Shannon Conradi from Propy Title & Escrow, one of the most innovative companies reshaping the real estate industry. Propy is making waves nationwide by pioneering real estate transactions using cryptocurrency, providing marketing support for agents, and even offering their own digital currency. Shannon s…

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How AI is Actually Helping Us Get More Deals 25:10

13d ago25:10

25:10

Episode 577 Welcome to Loan Officer Freedom, the #1 podcast in the country for loan officers, hosted by Carl White. In this episode, Carl sits down with Chris Johnstone to talk about how AI is truly changing the way loan officers win more deals. You’ll hear how AI can dig into your past customer database, spark conversations at scale, and even book…

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AI Answering Your Phone? 20:45

22d ago20:45

20:45

Episode 576 Welcome to Loan Officer Freedom, the #1 podcast in the country for loan officers, hosted by Carl White. In this episode, Carl sits down with Chris Johnstone to explore how artificial intelligence is transforming the way loan officers connect with clients and referral partners. They dive into real-world strategies for using AI-powered vo…

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The CRM That’s Changing the Game for Loan Officers 10:05

19d ago10:05

10:05

Episode 165 In this powerful episode, Steve Kyles and I unpack how the Loan Officer AI CRM is transforming the mortgage industry. We dive deep into the impact it’s made on our businesses—specifically how it's replaced three to four other services most loan officers rely on, all in one platform. But the real game changer? Live Zoom Support. Unlike o…

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The Math Behind Hiring a Caller: One Role That Can Add 15 Closings a Month 25:29

1M ago25:29

25:29

Episode 575 Welcome to Loan Officer Freedom, the #1 podcast in the country for loan officers, hosted by Carl White. In this episode, Carl sits down with co-host Kristin Simpson to break down the real math behind hiring a dedicated caller. They share how one simple role can put you in front of hundreds of top-producing agents every year without you …

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AI and Loan Officers: What’s Hype and What Actually Works 22:46

22d ago22:46

22:46

Episode 574 Welcome to Loan Officer Freedom, the #1 podcast in the country for loan officers, hosted by Carl White. In this episode, Carl sits down with co-host Kristin Simpson to tackle the big question on everyone’s mind: “Is AI really taking over the mortgage world?” They share where the technology is making a real impact, like answering phones …

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From Leads to Closings: Pinpointing Your Bottlenecks 18:38

27d ago18:38

18:38

Episode 573 Welcome to Loan Officer Freedom, the #1 podcast in the country for loan officers, hosted by Carl White. In this episode, Carl sits down with Kristin Simpson to tackle one of the most common and misunderstood questions in the business: “How many leads do I actually need to hit my closing goals?” They break down the exact ratios that top …

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How Loan Officers Bounce Back 17:03

1M ago17:03

17:03

Episode 572 Welcome to Loan Officer Freedom, the #1 podcast in the country for loan officers, hosted by Carl White. In this episode, Carl dives deep into the real reasons loan officers are feeling exhausted and scattered in today’s market. He breaks down the silent signs of burnout that many LOs are battling—like phone avoidance, fake work, and the…

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Why Niching Down as a Loan Officer Is a Power Move 15:12

1M ago15:12

15:12

Episode 164 In this episode, I sit down with Steve Kyles to explore the power of finding a niche as a loan officer. We break down why having a niche doesn’t mean you’re limiting yourself—it actually opens doors. A clear niche helps you stand out, attract the right attention, and build credibility with producing real estate agents. The best part? On…

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AI Assistance. Hype or High Conversion? 16:35

1M ago16:35

16:35

Episode 571 Welcome to Loan Officer Freedom, the #1 podcast in the country for loan officers, hosted by Carl White. In this episode, Carl tackles the hot topic on every LO’s mind: is AI just another shiny object, or is it actually driving more deals? You’ll hear how top-producing loan officers are really using AI to boost speed to lead, nail consis…

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What's Working Now, What's Just Noise 21:02

1M ago21:02

21:02

Episode 570 Welcome to Loan Officer Freedom, the #1 podcast in the country for loan officers, hosted by Carl White. In this episode, Carl breaks down what’s really working in mortgage marketing today—and what’s just a big ol’ distraction. He shares five simple activities that continue to bring in real deals, including warm referrals, status update …

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Leadership with Ginger Bell 24:07

1M ago24:07

24:07

Episode 163 In this episode of the Mortgage Loan Officer Podcast, I sit down with industry icon Ginger Bell to talk about her brand-new book on leadership and how mortgage professionals can apply its principles to grow personally and professionally. We dive into the key takeaways from the book, how leadership shows up in everyday moments, and how L…

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The Loan Officer Economy: Why Some Are Thriving While Others Stall Out 13:37

1M ago13:37

13:37

Episode 569 Welcome to Loan Officer Freedom, the #1 podcast in the country for loan officers, hosted by Carl White. In this episode, Carl White breaks down the three groups dominating the current “Loan Officer Economy”—the movers, the hopeful but inconsistent, and the stuck—and what sets each apart. You’ll hear the latest field-level trends from th…

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Understanding the Fed: What Really Drives Interest Rates 23:54

2M ago23:54

23:54

Episode 568 Welcome to Loan Officer Freedom, the #1 podcast in the country for loan officers, hosted by Carl White. In this episode, your host, Carl White, is joined by industry leader Owen Lee to unravel the mystery behind the Federal Reserve, interest rate changes, and how those decisions are really made. You’ll learn what the Fed’s dual mandate …

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Unlock More Deals with Community Wholesale’s DPA100 Program 13:28

2M ago13:28

13:28

Episode 162 In this episode, I sit down with Brett from Community Wholesale Lending to dive into one of the most powerful down payment assistance programs available today — the DPA100. We break down what makes this program different, how it’s helping more buyers get into homes, and why loan officers across the country are adding it to their toolbox…

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The Hidden Refi Goldmine – HELOC Resets Are Here 22:35

2M ago22:35

22:35

Episode 567 Welcome to Loan Officer Freedom, the #1 podcast in the country for loan officers, hosted by Carl White. In this episode, your host, Carl White, sits down with Jerry Byers to uncover a golden opportunity that’s catching many LOs by surprise — homeowners whose HELOCs are now resetting. These borrowers are about to experience a major payme…

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A New Credit Score Option—But Will It Really Help? 16:43

2M ago16:43

16:43

Episode 566 Welcome to Loan Officer Freedom, the #1 podcast in the country for loan officers, hosted by Carl White. In this episode, your host, Carl White, is joined by Owen Lee to break down the FHFA’s recent announcement that lenders can now use the VantageScore 4.0 with Fannie and Freddie—no new infrastructure required. Owen, who serves as Vice …

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From Ghosted to Closed: Follow-Up Schedule That Works 30:08

2M ago30:08

30:08

Episode 565 Welcome to Loan Officer Freedom, the #1 podcast in the country for loan officers, hosted by Carl White. In this episode, your host, Carl White, is joined by special guest Kristin from The Marketing Animals team for a deep dive into a follow-up schedule that actually converts. Carl takes the lead in laying out a clear, week-by-week syste…

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New Way To Connect With Your Past Database 31:27

2M ago31:27

31:27

Episode 564 Welcome to Loan Officer Freedom, the #1 podcast in the country for loan officers, hosted by Carl White. In this episode, your host, Carl White, chats with Thomas Seelbinder from Model Match to reveal a powerful new tool that gives LOs deep access to borrower, agent, and LO data. You’ll hear how this kind of insight helps you avoid wasti…

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Willing to Be Coached 16:22

2M ago16:22

16:22

Episode 161 In this episode, I sit down with Steve Kyles to talk about a powerful moment from a recent Loan Officer Breakfast Club call featuring Joanne Johansen. After 30 years in the business, Joanne is having her best months ever—closing over 13 loans a month—and what impressed us most was her mindset. She said she’s willing to be coached. That’…

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The End-of-Day Habit That Helps Me Perform Better Tomorrow 10:21

2M ago10:21

10:21

Episode 563 Welcome to Loan Officer Freedom, the #1 podcast in the country for loan officers, hosted by Carl White. In this episode, your host, Carl White, opens up about a game-changing habit that’s helped him quiet the late-night mind chatter and show up more focused and refreshed each day. He walks through the exact 3-step end-of-day routine he …

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Story Selling – The Hidden Superpower of Top Producers 12:34

2M ago12:34

12:34

Episode 562 Welcome to Loan Officer Freedom, the #1 podcast in the country for loan officers, hosted by Carl White. In this episode, your host, Carl White, dives deep into one of the most powerful (and often overlooked) tools top producers use to stand out—storytelling. Carl shares the exact 5-step formula he’s used for over 20 years to turn ordina…

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You're Not Behind — You're Right On Time 30:46

2M ago30:46

30:46

Episode 160 In this episode, I sit down with Chris Johnstone, founder of the Loan Officer AI CRM, to talk about the fast-moving world of AI in the mortgage industry. While many loan officers feel overwhelmed or like they’re falling behind, Chris explains why that’s not the case—and how staying tuned in is the key to staying ahead. We dive into how …

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Fix and Flip Loans 21:49

2M ago21:49

21:49

Episode 561 Welcome to Loan Officer Freedom, the #1 podcast in the country for loan officers, hosted by Carl White. In this episode, Carl chats with Frank Garay about the growing world of fix and flip loans and how originators can tap into this niche without getting overwhelmed. Frank breaks down exactly how these loans work, who they’re for, and h…

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Mastering Your Elevator Pitch To Get More Referrals 12:35

2M ago12:35

12:35

Welcome to Loan Officer Freedom, the #1 podcast in the country for loan officers, hosted by Carl White. In this episode, your host, Carl White, breaks down the one conversation skill that can instantly boost your referrals—your elevator pitch. He shares a simple, proven 3-part formula that helps you introduce yourself with clarity, confidence, and …

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No Way Out 29:50

2M ago29:50

29:50

Episode 159 In this powerful and personal episode, I sit down with Steve Kyles for a deep dive into a simple but life-changing mindset: There’s no way out—just through. Steve shares how this commitment has shaped his marriage, his family life, and his resilience in the face of life’s challenges. We talk honestly about what it means to be truly all-…

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What I Learned About Sales From My Cat 8:18

3M ago8:18

8:18

Episode 559 Welcome to Loan Officer Freedom, the #1 podcast in the country for loan officers, hosted by Carl White. In this episode, your host, Carl White, shares some surprisingly powerful sales lessons—straight from his bald little housemates (yes, his hairless cats). You'll learn why you should never assume someone’s not interested, how consiste…

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How Scarcity Thinking Is Costing You More Than You Know 22:22

3M ago22:22

22:22

Episode 558 Welcome to Loan Officer Freedom, the #1 podcast in the country for loan officers, hosted by Carl White. In this episode, your host, Carl White, sits down with Kristin to unpack the hidden trap of scarcity mindset—and how it quietly holds loan officers back from growth. They dive into the real reason so many LOs cling to one deal, one re…

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Van Life, AI & Mortgage Insights with Megan Anderson 26:52

3M ago26:52

26:52

Episode 158 Welcome to another epic episode of The Mortgage Loan Officer Podcast, with your host, Frank Garay. In this laid-back and inspiring episode, I catch up with Megan Anderson from MBS Highway, who's been living the van life for the past 240 days! This is a fun follow-up interview where we dive into her travel adventures, lessons from the ro…

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What Everybody Isn't Talking About, But Should 22:21

3M ago22:21

22:21

Episode 557 Welcome to Loan Officer Freedom, the #1 podcast in the country for loan officers, hosted by Carl White. In this episode, your host Carl White teams up with Owen Lee to unpack the quiet earthquake shaking up the mortgage industry—massive moves by Rocket Mortgage that most LOs have already stopped talking about. They reveal how Rocket’s a…

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Build Your 3-Hour Power Block 10:12

3M ago10:12

10:12

Episode 556 Welcome to Loan Officer Freedom, the #1 podcast in the country for loan officers, hosted by Carl White. In this episode, your host, Carl White, busts the myth that longer hours mean more closings—and shares how focused effort wins every time. He walks through the 3-hour daily system that top-producing LOs use to double their volume whil…

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The LOS That’s Taking Over — PreApp1003 with Dru Brents 14:49

3M ago14:49

14:49

Episode 157 Welcome to another epic episode of The Mortgage Loan Officer Podcast, with your host, Frank Garay. In this episode, I sit down with my good friend and business partner, Dru Brents, co-founder of Broker Plus / PreApp1003, to talk about why thousands of brokers are making the move to this all-in-one platform. We break down what makes PreA…

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What Ham Radio, Biking, & Mortgages All Have in Common 8:12

3M ago8:12

8:12

Episode 555 Welcome to Loan Officer Freedom, the #1 podcast in the country for loan officers, hosted by Carl White. In this episode, your host, Carl White, shares how three unlikely passions—ham radio, biking, and mortgages—actually carry the same core lesson for success. Carl dives into the overlooked art of listening with intention and the power …

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Take Credit Bureaus To The Woodshed 19:41

3M ago19:41

19:41

Episode 554 Welcome to Loan Officer Freedom, the #1 podcast in the country for loan officers, hosted by Carl White. In this episode, your host, Carl White is joined by Owen Lee to expose the shocking rise in credit report costs and how it's crushing mortgage profitability. They unpack how FICO and the credit bureaus quietly jacked up prices by 400–…

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Teach Agents how to get Raving Referrals 21:29

3M ago21:29

21:29

Episode 156 Welcome to another epic episode of The Mortgage Loan Officer Podcast, with your host, Frank Garay. On this episode of the Mortgage Loan Officer Podcast, I’m joined by Brandon Barnum, CEO of Raving Referrals, to introduce a powerful opportunity for loan officers. Brandon shares details about a certification program that equips LOs to tea…

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Resetting Your Self-Image: From Limits to Possibilities 12:57

3M ago12:57

12:57

Episode 553 Welcome to Loan Officer Freedom, the #1 podcast in the country for loan officers, hosted by Carl White. In this episode, your host, Carl White shares insights from two contrasting phone calls he received about loan closings, highlighting the importance of self-identity and how it shapes our perception of success. He discusses the journe…

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TLAS3 Chapter 20 Reunion 32:36

4M ago32:36

32:36

It’s the season 3 finale! With the Machine Cult’s plans finally thwarted, our heroes are reconvened. But an unexpected guest brings something even more unexpected with them… Links Transcript: https://docs.google.com/document/d/11bUiN3gMdtpwa1uG_KoX9rAIy24oFgpbrCeSfvDeAB0/edit?usp=sharing All music is royalty-free, and courtesy of Pixabay: https://p…

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Become the Oprah of Your Market (Using Facebook Ads) 27:39

4M ago27:39

27:39

Episode 552 Welcome to Loan Officer Freedom, the #1 podcast in the country for loan officers, hosted by Carl White. In this episode, your host, Carl White explores the world of Facebook and Instagram ads with social media expert Chelsea Gardner, who specializes in helping loan officers maximize their online presence. Chelsea shares valuable insight…

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Rowing Through Life: The Power of Encouragement and Belief 9:13

3M ago9:13

9:13

Welcome to Loan Officer Freedom, the #1 podcast in the country for loan officers, hosted by Carl White. In this episode, your host, Carl White shares a heartfelt story about a rowboat and the lasting impact of encouragement from his grandfather, illustrating how positive reinforcement can shape our beliefs and abilities over decades. He emphasizes …

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AI Revolution: Transforming Mortgage Marketing Strategies 25:40

4M ago25:40

25:40

Welcome to Loan Officer Freedom, the #1 podcast in the country for loan officers, hosted by Carl White. In this episode, your host Carl White and Chris Johnstone dive into the exciting world of AI and its transformative impact on the mortgage industry, featuring the latest advancements from Google’s Gemini and how it changes the way we search for i…

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TLAS3 Chapter 19 From Hell's Heart 32:06

4M ago32:06

32:06

The battle rages on. Tatters and Mara face off against their respective foes… and everything goes straight to hell. Links Transcript: https://docs.google.com/document/d/1x6OnOk7Z-L5oJ7ir7xTE291SnJRDL0FNI293PKeA-gM/edit?usp=sharing All music is royalty-free, and courtesy of Pixabay: https://pixabay.com/music/ and Slipstream https://slip.stream/ http…

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Adventures at Sea & Game-Changing Tech for LOs 33:24

4M ago33:24

33:24

Welcome to another epic episode of The Mortgage Loan Officer Podcast, with your host, Frank Garay. In this episode of the Mortgage Loan Officer Podcast, Frank Garay sits down with Josh Pitts of Shred Media for a wild ride—literally and professionally. Josh gives us a gripping update on his family’s journey sailing the world on a catamaran, includin…