In this episode of Road 2 Close, host Paul Apostolakis sits down with Kyle Toma, one of Clear2 Mortgage’s top-producing loan officers, to break down what it takes to perform at an elite level in today’s mortgage market.

Kyle closed 25 loans in a single month, helping more than 20 families achieve homeownership — and he’s just getting started. From mastering both purchase and refinance business to building client trust through constant availability, Kyle shares how he maintains consistency, balance, and focus in a fast-moving market.

They dive deep into:
🏡 The current mortgage rate environment and where rates are heading in 2026
💰 Why small rate dips can trigger huge spikes in refinance volume
📈 The mindset and structure behind Clear2 Mortgage’s record-breaking production
🤝 How leadership and culture drive loan officer success
⚙️ The secret to closing high-volume pipelines without burning out
💡 The importance of great processing teams and real teamwork in lending

Paul and Kyle also discuss market projections showing a 13% increase in total originations and a 24% jump in refi volume for 2026 — and what that means for brokers and homeowners alike.

Whether you’re a loan officer, real estate agent, or homebuyer, this episode delivers actionable insights and authentic conversation from the front lines of the mortgage industry.

📍 Recorded inside the Clear2 Mortgage Sprinter Van in Downtown Royal Oak, Michigan.

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