Laugh, Lend and Eat

You won't believe where this business plan was written...Here's a hint: it wasn't in a boardroom.This week on Laugh, Lend & Eat, I sat down with Divine — an artist, entrepreneur, and former inmate who built a plan for his life while serving an 84-month sentence.Before he ever launched a business, stepped on a stage, or mentored others… he was sitting in a cell, writing out a new story for himself.From the streets to the system — and now to tech and leadership — Divine's journey proves one thing:

On this episode of Laugh, Lend & Eat, Dana Georgiou—The Lending Luminary—pulls no punches. She argues that most financial education is outdated, ineffective, and downright dishonest with the people who need it most: teens. If the mortgage industry wants to build a better future, it starts with telling the truth. Raw, real, and packed with wisdom—this one hits different.About Dana GeorgiouDana Georgiou—better known as The Lending Luminary—is a powerhouse in the mortgage space with nearly 30 years of industry experience. She's led top-performing sales teams, built strategic growth models, and operated mortgage platforms across all channels—retail, wholesale, and private lending. Her depth spans compliance, risk, marketing, and operations, and she's never been afraid to challenge the status quo.In addition to her leadership roles, Dana is a passionate educator. She recently co-authored "Rethink Everything You Know About Financial Literacy for Teens," writes for publications such as Mortgage Women Magazine and Deal Maker, and volunteers with Habitat for Humanity as a financial counselor. She lives on a ranch in East Texas with her husband, two Labradors, and a few other four-legged characters.In This Episode, We Discuss:Why traditional money advice doesn't stick with teensHow Dana bridges the gap between finance and human connectionWhat it means to lead with empathy and purposeWhy laughter is sometimes the most effective teaching tool.Key Takeaways:Lead by adapting. Great leaders shift their style to fit the moment and the individual.Financial literacy must evolve. Teaching money should be relatable, real, and rooted in mindset.Put people first. The right thing often is the smart thing in business.Energy is influence. Show up with intention—your vibe shapes the outcome.“Money will come if you treat people well.” — Dana Georgiou Connect with Dana Georgiou: CLICK HERE Laugh, Lend & Eat is hosted by Fobby Naghmi, SVP at AnnieMac and author of Leadership Matters. We bring you unfiltered conversations with industry leaders and change-makers shaping the future of mortgage, money, and mindset.Subscribe and listen on your preferred podcast platform.

Are you ready to lead — or just pretending to?In this no-holds-barred episode of Laugh, Lend & Eat, Fobby and Maddi sit down with Kristi Straw — leadership expert, founder of Lighthouse Consultants, and author of Unicorn Leader — to expose the brutal truth about leadership in 2025.The days of command-and-control leadership are over. In today's world, connection beats control, authenticity beats authority, and adaptability isn't optional — it's survival.Kristi breaks down the mindset shifts every leader must make if they want to build teams that trust them, follow them, and grow with them. She opens up about fighting imposter syndrome, why vulnerability is now a leadership superpower, and how “fake leaders” are getting exposed faster than ever.If you're serious about becoming the kind of leader who wins and leaves a legacy — this conversation is your blueprint.In this episode, you'll learn:Why "faking it" is a career killer in 2025How true leaders adapt, connect, and stay resilientWhat to do when imposter syndrome shows up (because it will)Why leading yourself first is non-negotiableThe difference between getting compliance and building real loyaltyNotable Quote:"You can't fake caring about people. They will know. And when they know you care, they'll follow you anywhere." — Kristi StrawCTA at the end:

What if retirement wasn't the end of your impact—but the beginning of a new kind of leadership?In this heartfelt episode, Fobby reconnects with longtime friend and mortgage veteran Dave Baer, who started in the business in 1977 and made the decision to retire after a profound personal shift.Dave opens up about his sister's battle with brain cancer—and how that moment changed his definition of success and purpose. Now, in retirement, he's far from done. Dave dedicates his time to Women Giving Back, a nonprofit supporting women and children in crisis. It's proof that legacy lives on, even after the titles fade.In this episode, Dave shares:The moment he knew it was time to walk away from the industryWhy retirement didn't mean slowing down — it meant shifting directionHow he's continued making a difference without needing a business cardNotable Quotes:“It wasn't about the title anymore. It was about where I could make a real difference.”“I may have stepped away from the office, but I haven't stepped away from helping people.”“The biggest part of the business that I miss are the people.”If you're wondering what's on the other side of the hustle… this episode might be your answer.

This isn't your average mortgage industry chat.In this high-impact episode, Diego Sanchez, President of HousingWire, joins Fobby for a raw, unfiltered conversation on the real forces shaping the mortgage business in 2025. From AI and servicing dominance to the truth about signing bonuses, nothing is off-limits.Whether you're a loan officer looking for your edge or a leader planning next year's strategy—this is the conversation you didn't know you needed.Why servicers are positioned to dominate refis —and what that means for retailHow to actually use AI to free up time and drive better borrower engagementWhat top executives are privately saying (and doing) that's shaping the industryWhy signing bonuses are alive and well—even when leaders publicly denounce themHow to leverage local market knowledge as your competitive advantage"One guy told me he's got an ice cube (servicing pool)—and he's going to do everything he can to not let it melt. That's the mindset servicers have now with their portfolios."– Fobby Naghmi“Know your local market better than anyone else. Don't just repeat national headlines—be the expert your clients and agents trust.”– Diego Sanchez

In this deeply personal and power-packed episode, Fobby sits down with his longtime friend and mortgage industry veteran, Kevin DeLory, Chief Lending Officer at EPM. What unfolds isn't just a leadership lesson — it's a masterclass in authenticity, resilience, and real connection.Kevin and Fobby reflect on their 12-year friendship, which started at Carrington Mortgage in 2012 when both were rebuilding after the 2008 meltdown. Despite time and distance, their bond has remained strong, grounded in trust, loyalty, and shared experience.The heart of the conversation centers on Kevin's unique leadership philosophy: the Three Ps — People, Problems, and Profit. He challenges the traditional obsession with title, power, and pay, and instead champions a leadership style rooted in listening, caring, and doing the right thing when no one's watching.Notable Quotes:“I never wanted to be a leader. But when six people looked at me and asked, ‘What do we do next?' — I realized I didn't have a choice. They chose me.” – Kevin DeLory“If you want the gold, talk to your people. Get to know them. Listen. Care. That's where real leadership lives.” – Kevin DeLory"There's always going to be another mountain to climb… I was looking for an outside solution to fix an inside problem." – FobbyWhat You'll Learn:Why the Three Ps (People, Problems, Profit) matter more than Position, Pay, and PowerHow authentic friendships fuel long-term leadership growthThe power of leading by example — and never asking your team to do what you wouldn'tWhat real influence looks like in today's mortgage industry

In this episode, Joe Arroyo dives into the power of mindset in mortgage and real estate, emphasizing how professionals must evolve to succeed in 2025. He and Fobby discuss recruitment, leadership, and the challenges loan officers face in an ever-changing market. Joe shares his insights from years of experience in strategic hiring and talent development, offering golden nuggets for mortgage professionals looking to raise their game and build sustainable businesses. Timestamps & Key Takeaways:00:00 – 05:00 | Opening & Mindset for 2025Fobby sets the stage with high energy, introducing Joe Arroyo.Joe's key message: If you're originating in 2025, you must adapt—the days of deals falling into your lap are over.The importance of raising your game and evolving with the market.Recruiting isn't about filling seats; it's about attracting top talent.Loan officers and real estate professionals often make hiring mistakes—Joe breaks down what works."People don't leave jobs; they leave cultures." The key to retention is creating a strong, growth-oriented environment.Leadership is about vision, consistency, and adaptability.Joe discusses how Vision Architect helps leaders attract talent and build high-performing teams.The biggest myth: Hiring fast leads to success. Wrong! Joe explains why slow, intentional recruiting is more effective.The mortgage landscape is shifting—loan officers must market themselves differently.Social media & branding: How to position yourself as a trusted advisor rather than just a salesperson."If you're waiting for rates to drop, you're already behind."The rise of specialization in loan origination—being a generalist is no longer enough.Joe's prediction for where the industry is headed and what LOs need to do NOW.Closing thoughts on building long-term resilience in a competitive market.

The industry is shifting—with rising rates, unpredictable inventory, and evolving borrower expectations—so how do mortgage professionals stay ahead? In this episode of Laugh, Lend & Eat, host Fobby Naghmi sits down with Liz Short, owner of Short Solutions, to discuss how mortgage pros can embrace change, refine their strategies, and turn challenges into opportunities.Liz shares her perspective on why pivoting is essential for long-term success:

In this episode of Laugh, Lend & Eat, host Fobby Naghmi sits down with Wes Costello of AnnieMac to dive deep into aCash2Keys is a revolutionary homebuy program that's more than just a mortgage.With today's competitive market, homebuyers are facing relentless bidding wars, multiple rejected offers, and uncertainty in securing their dream home. Cash2Keys changes the game by turning buyers into the equivalent of cash buyers—without extra fees, different mortgage rates, or unnecessary hurdles. Wes breaks down how the program eliminates financing contingencies, giving buyers and realtors a powerful tool to win contracts faster.

Episode Summary:In this lighthearted yet insightful episode, Fobby and Maddie navigate through technical difficulties, real estate market updates, personal reflections, and even moments of grief. From discussing interest rates and market shifts to sharing personal losses, the episode captures the highs and lows of both life and the mortgage industry.Key Discussion Points:Technical Difficulties & Podcasting Realities: The hosts humorously reflect on their early podcasting struggles and ongoing challenges.Mortgage & Real Estate Market Trends: Discussion about fluctuating interest rates, the impact on buyers, and how 2025 might shape up for home buyers and loan officers.The Role of the CFPB & Regulatory Changes: Speculation on potential changes in mortgage regulations under the Trump administration.Personal Growth & Industry Challenges: Maddie shares how she has evolved as a loan officer and reflects on market fluctuations.Grief & Work-Life Balance: Maddie opens up about the recent passing of her best friend and the challenge of balancing personal grief with professional responsibilities.Upcoming Speaking Engagements: Maddie is set to speak at the "Build Your Empire" event in March 2025.Future Podcast Guests: Discussion on potential guests and the value of returning favorites.Notable Quotes:"You get what you pay for in this podcast." – A lighthearted take on their technical struggles."I claimed 2024 as my rock bottom. So, as long as I have a different outlook, I'm hoping 2025 brings some relief." – Maddie on approaching the new year with optimism."The irony of the mortgage industry and grief is that both happen simultaneously." – Maddie reflecting on personal loss while maintaining professional responsibilities.Final Thoughts:This episode blends humor, industry insights, and raw personal moments, making it a must-listen for mortgage professionals and beyond.

In this episode ofLaugh, Lend & Eat, hostFobby Naghmi sits down withTaylor Allgyer, aproducing branch manager, to break downone of the most misunderstood topics in the mortgage industry—theP&L (Profit & Loss) model.Taylor shares hisfirsthand experience transitioning into a P&L model, therewards and risks, and how he navigatedthe decision to move his branch. If you're considering a P&L structure orweighing different mortgage company options, this episode is packed withreal-world insights to help you make the right choice.

In this episode, I sit down with the one and only Ginger Bell to dive into leadership, recruiting, and the power of building authentic relationships in the mortgage industry. We kick things off by reminiscing about the first time we met in person—a moment that felt like reconnecting with an old friend rather than a first-time introduction. From there, we unpack the importance of trust, consistency, and authenticity in business, exploring how these qualities shape both leadership and recruiting. Ginger shares insights from her career journey, offering valuable strategies for balancing professional and personal life, staying relevant in an ever-changing mortgage landscape, and the art of meaningful networking.

In this episode of Laugh, Lend, & Eat With Madness, co-hosts Fobby Naghmi and Madison Keenan welcome Chris Miles, founder of Money Ripples and the self-proclaimed Anti-Financial Advisor. Chris, a passive income expert who has been featured in U.S. News & World Report, CNN Money, and Bigger Pockets, is upending the financial advising industry by teaching entrepreneurs and professionals how to create lifelong wealth in a volatile economy. Chris shares his journey from a traditional financial advisor to a champion of financial independence through unconventional methods. He discusses breaking free from the constraints of mainstream financial advice, the importance of understanding and managing debt, and the role of an abundance mindset in achieving lasting wealth. Key Themes: Challenging Traditional Financial Advice: Chris explains how the financial industry's cookie-cutter advice often fails to lead to financial freedom and discusses alternative strategies that focus on cash flow and value creation. The Power of Debt Management: He highlights how structured debt can be a tool for financial growth when used strategically, contrasting it with the scarcity mindset that encourages paying off all debt indiscriminately. Mindset and Financial Freedom: Chris emphasizes the importance of shifting from a scarcity mentality to an abundance mindset, allowing individuals to focus on opportunities rather than limitations. Quotes from Chris Miles' Insights: On the Flaws of Traditional Financial Advice:"Financial advisors teach you to save, scrimp and hope for someday. But I realized if it doesn't work for them, how can it work for their clients?"Chris explains why he abandoned the standard financial planning model to pursue strategies that deliver tangible results. On Strategic Debt Management:"Not all debt is bad. It's about structuring it wisely to create cash flow and opportunities rather than just eliminating it without a plan."He reframes debt as a potential tool for growth rather than an inherent financial burden. On the Abundance Mindset:"The faster money exchanges, the more everybody makes. There's more than enough opportunity and money to go around—it's about creating value and trust."Chris underscores how embracing an abundance mentality can lead to greater wealth and collaboration. Follow Laugh, Lend, & Eat With Madness for more thought-provoking conversations about wealth-building mindset and personal growth. Learn from Chris Miles' unconventional yet highly effective strategies for achieving financial independence. Visit MoneyRipples.com or follow @MoneyRipples on social media for more insights. Stay tuned for more episodes that inspire innovation and success!

Kick off Season 6 of Laugh, Lend and Eat with a powerful and insightful conversation featuring Kevin Peranio, Chief Lending Officer at PRMG. In this special episode, host Fobby Naghmi dives deep into the trends shaping the mortgage industry in 2025, including market predictions, the impact of inflation, and strategies for loan officers to thrive in a challenging environment. Kevin shares his expertise on building harmony between sales and operations, the evolving role of technology in lending, and actionable tips for mortgage professionals to connect with borrowers and close more loans. What You'll Learn in This Episode: Kevin's predictions for mortgage rates and inflation trends in 2025. The critical importance of understanding market data and staying informed. Why “win or learn” is a key mindset for loan officers in today's competitive market. Strategies for engaging borrowers, including the value of "starter home" conversations. How to leverage tools like AI, credit reports, and consumer insights to grow your business. The role of economic policies and government budgets in shaping the mortgage landscape. Notable Quotes from Kevin: “If you're closing one deal out of five credit pulls, you're winning." “Inflation is falling like a rock, and that's going to create tailwinds for rates in the coming months." “Loan officers need to position themselves as advisors—not just someone taking applications." Subscribe to Laugh, Lend, and Eat for more industry insights and inspiring conversations. Share your thoughts, and don't forget to rate and review!

In this dynamic episode of Laugh, Lend, & Eat, host Fobby Naghmi sits down with Raquel Borras, External Communication Manager at New American Funding and a seasoned branding expert. Raquel shares her insights on leveraging social media for personal and professional growth, the evolving nature of branding, and the importance of authenticity in fostering meaningful connections. Through her personal journey, she discusses how vulnerability and trust in the process have played a pivotal role in her career and personal development. Key Themes: Authenticity in Branding: Raquel emphasizes that audiences resonate with genuine, relatable content rather than overproduced, polished material. Leveraging Social Media: She explains how different platforms serve unique purposes, from building credibility on LinkedIn to engaging audiences on TikTok and Instagram. Trusting the Journey: Raquel reflects on how embracing change and self-discovery have shaped her life, particularly through challenges and new opportunities. Quotes from Raquel Borras' Insights: On Authenticity in Branding:"People are tired of curated content. They want to see realness—messy, authentic moments that show you're human and relatable."Raquel highlights the shift in branding towards more genuine, unscripted content. On Trusting the Process:"I wouldn't be where I am today without trusting the journey, even when it didn't make sense. Sometimes, giving up comfort leads to the greatest growth."Raquel discusses the importance of embracing uncertainty and trusting in the process. On Social Media Strategy:"Each platform serves a purpose—LinkedIn for credibility, TikTok for creativity, and Instagram for engagement. Knowing where your audience is helps you connect effectively."She explains the strategic use of social media for personal and professional growth. Call to Action:Follow Laugh, Lend, & Eat for more inspiring conversations with industry experts and innovators. Learn from Raquel Borras as she shares her journey of personal growth, branding insights, and strategies for meaningful engagement. Stay tuned for more episodes that entertain, educate, and inspire!

In this episode of Laugh, Lend, & Eat, host Fobby Naghmi welcomes Tim Braheem, Founder, CEO, and Head Coach of the Performance Experts. Tim shares his journey from a part-time loan officer to a transformative coach, emphasizing the importance of presence, adaptability, and self-awareness in both professional and personal life. Through his engaging storytelling and coaching philosophy, Tim provides practical strategies for cultivating trust, navigating change, and achieving meaningful growth. Key Themes: The Power of Presence: Tim discusses how cultivating presence as a skill can transform personal relationships and professional interactions, enabling deeper connections and trust-building. Adapting to Change: He explains how embracing change by focusing on its potential benefits can help overcome fear and drive personal and professional growth. Self-Trust and Accountability: Tim highlights the significance of honoring commitments to oneself, explaining how building self-trust is essential for achieving success and confidence. Quotes from Tim Braheem's Insights: On Presence:"When someone feels truly seen and heard, they let their guard down and go deeper. Presence is a skill that transcends both personal and professional interactions."Tim emphasizes how being present can strengthen relationships and enhance communication. On Embracing Change:"You need to make the fear of complacency greater than the fear of change. Focus on what staying the same is costing you, and change becomes less daunting."Tim provides a powerful mindset shift for navigating change effectively. On Building Self-Trust:"Every time you honor a commitment to yourself, you build trust in your ability to follow through. It's not about overcommitting—make fewer agreements and keep them."Tim discusses the importance of self-accountability in fostering confidence and growth. Call to Action:Follow Laugh, Lend, & Eat for more insightful conversations with industry leaders and changemakers. Learn from Tim Braheem as he shares his unique coaching philosophy, practical strategies for presence, and lessons in navigating change. Stay tuned for more episodes that inspire personal and professional growth!

Episode Overview:In this fascinating episode of Laugh, Lend, & Eat, host Fobby Naghmi welcomes Tina Phillips, owner of Phillips Retreat. Tina discusses her work as a psychic medium, holistic healer, and self-care coach, diving into her experiences and the value of her services. The conversation explores themes of spiritual connection, self-awareness, and the transformative power of guidance. Tina shares insights from her journey, her perspective on psychic readings, and how she helps people align with their higher selves. Key Themes: The Role of Psychic Mediumship: Tina explains the difference between a psychic and a medium and how she uses her abilities to connect people with their loved ones and their own inner wisdom. Changing Perspectives: Tina emphasizes how her readings help clients shift their perspectives, enabling them to find clarity and navigate challenges with a sense of purpose. Affordability and Accessibility: She discusses her commitment to making her services accessible, highlighting her focus on healing and guidance rather than just monetary gain. Quotes from Tina Phillips' Insights: On Spiritual Connection:"Most of us have gifts; it's about how we choose to use them. My job is to help people see their own light and connect with their higher selves."Tina shares how her work aims to empower others to find their own spiritual connection and purpose. On Changing Perspectives:"People ask, 'When am I going to win the lottery?' But when you look at your life, you've already won in so many ways. It's all about perspective."Tina explains how her readings help clients see the blessings in their lives from a new vantage point. On Making Healing Accessible:"I'm more about the healing and guidance than the money. If someone needs help, I'm willing to work with them to make sure they get it."Tina emphasizes her dedication to making her services affordable and her focus on providing meaningful support. Call to Action:Follow Laugh, Lend, & Eat for more unique conversations that inspire, educate, and entertain. Connect with Tina Phillips at PhillipsRetreat.com to learn more about her services in psychic mediumship, holistic healing, and self-care coaching. Stay tuned for more episodes exploring personal growth and transformation!

Episode Overview:In this Thanksgiving episode of Laugh, Lend, & Eat With Madness, co-hosts Fobby Naghmi and Madison Keenan reflect on the past year, discussing personal and professional lessons learned, moments of gratitude, and their hopes for the future. With humor and heartfelt insights, they delve into navigating challenges in the mortgage industry, setting boundaries in business relationships, and the importance of adaptability and intention in tough markets. Key Themes: Gratitude Amidst Challenges: Madison reflects on the importance of cherishing health, family, and close relationships while navigating the ups and downs of the year. Lessons from Tough Markets: The duo explores how managing expectations with referral partners and setting clear boundaries can foster better business practices and relationships. Growth and Resilience: Fobby and Madison share how personal growth and introspection helped them navigate the year's difficulties, emphasizing the importance of self-awareness and adaptability. Quotes from the Episode: On Gratitude for Relationships:"Whether it's friends, family, coworkers, or co-hosts, the little circle of people you have in your corner to support you through the good times and the bad is so important."—Madison reflects on the value of strong relationships during challenging times. On Navigating Expectations with Referral Partners:"It's not too much to assume that if you've done your job well—closed loans on time, offered competitive rates—they'll continue giving you business. But this year, I learned the hard way that's not always the case."—Madison discusses the importance of managing expectations and diversifying referral sources. On Personal Growth and Boundaries:"I realized this year that I couldn't be friends with real estate agents to the point of them crossing into my personal life. There needs to be a separation—business is business, and family is family."—Fobby shares his journey of setting boundaries and maintaining balance between personal and professional life. Call to Action:Follow Laugh, Lend, & Eat With Madness for more candid conversations about navigating challenges, finding gratitude, and growing in the mortgage industry. Reflect on your own year of lessons and join us in embracing gratitude and resilience as we look ahead to 2025. Stay tuned for more episodes filled with humor, insights, and inspiration!

Episode Overview:In this insightful episode of Laugh, Lend, & Eat, host Fobby Naghmi welcomes Jimmy Boone, Senior Account Executive at RETR, to discuss the transformative role of data in the mortgage and real estate industries. Jimmy explains how RETR, a data-driven intelligence platform, empowers loan officers and real estate professionals to enhance productivity, foster stronger partnerships, and make informed decisions. He also dives into how technology like RETR provides solutions for nurturing relationships and uncovering untapped opportunities, offering a competitive edge in a challenging market. Key Themes: The Power of Accurate Data: Jimmy highlights how RETR's ability to provide accurate, up-to-date information from multiple sources gives loan officers and real estate professionals a significant advantage. Fostering Better Relationships: The platform enables users to track agent transactions and identify areas to strengthen partnerships, ensuring better alignment and improved outcomes. Automation and Future Innovations: Jimmy discusses RETR's automation tools, such as real estate track records and borrower alerts, that simplify processes and improve efficiency for users. Quotes from Jimmy Boone's Insights: On the Importance of Data Accuracy:"We pull data from several sources, clean it, and ensure it's reliable before it enters our platform. That's why users say RETR stands out—it's accurate, easy to use, and helps them make confident decisions."Jimmy explains the rigorous process behind RETR's reliable data, emphasizing its value for users. On Strengthening Agent Partnerships:"With RETR, you can see where your business stands with agents, which deals you're missing out on, and how to turn those relationships into opportunities for growth."He describes how loan officers can use the platform to analyze agent partnerships and identify growth areas. On Future Innovations:"We just launched borrower alerts, so users get notified when past clients list their homes. This is just the beginning—2025 is going to be a game-changer for us."Jimmy teases upcoming features that will further enhance the platform's capabilities. Call to Action:Follow Laugh, Lend, & Eat for more episodes featuring tools and strategies to improve your business. Learn from Jimmy Boone about how RETR can transform your approach to data, enhance relationships, and boost productivity. Stay tuned for more insightful discussions on innovation in the mortgage and real estate industries!

Episode Overview:In this engaging episode of Laugh, Lend, & Eat With Madness, co-hosts Fobby Naghmi and Madison Keenan sit down with Nathan Knottingham, COO of MLO Force, Co-Founder of WestPort Creative, and CSO of Be My Neighbor Mortgage. Nathan shares his journey into the mortgage industry, his passion for education, and the innovative approach MLO Force brings to continuing education (CE) for loan officers. He discusses the importance of keeping training relevant, engaging, and accessible in an industry where learning can often feel tedious. Key Themes: Making CE Engaging: Nathan explains how MLO Force uses humor, storytelling, and high-quality production to make required continuing education more enjoyable and relevant for loan officers. The Value of Practical Learning: Nathan emphasizes the importance of content that respects the time and needs of professionals, delivering knowledge that feels applicable and engaging rather than just fulfilling a requirement. AI and Technology in Education: He also discusses the role of AI and modern technology in education, explaining how MLO Force is leveraging tools like ChatGPT to enhance learning and answer complex industry questions. Quotes from Nathan Knottingham's Insights: On Making CE More Engaging:"The most important thing I can do as a trainer is to honor your time and attention. I don't want to create something I wouldn't want to sit through myself."Nathan describes MLO Force's commitment to creating content that respects and engages the learner. On the Role of AI in Training:"With tools like ChatGPT, we're teaching people to ask better questions, not just finding answers. It's about using technology to really understand and engage with the content."Nathan explains how AI is shaping the future of education by enhancing how learners interact with material. On His Approach to Training:"When you find a partner you can bounce ideas off of, it brings out the humanity in training—it's about covering for each other, making things fun, and showing people who we are."Nathan shares his belief that collaboration in education brings out authenticity, making training more relatable and effective. Call to Action:Follow Laugh, Lend, & Eat With Madness for more enlightening episodes with industry innovators. Learn from Nathan Knottingham as he discusses the future of mortgage education, AI's role in training, and the impact of meaningful collaboration. Stay tuned for more episodes that explore innovation, leadership, and the mortgage industry!

Episode Overview:In this episode of Laugh, Lend, & Eat, host Fobby Naghmi sits down with Morgan DeNicola, Vice Chair of The Humpty Dumpty Institute. Morgan shares her experiences in humanitarian work, from her interactions with world leaders to her hands-on projects across the globe. She discusses the importance of cultural diplomacy, the challenges of humanitarian work, and how service has given her life purpose and perspective. Key Themes: The Power of Cultural Diplomacy: Morgan emphasizes how leaving personal biases behind and engaging openly allows for genuine connections and deeper understanding across different cultures. Impact of Humanitarian Work: She reflects on how meaningful connections with individuals she's served have shaped her approach, particularly in fostering moments where people feel seen and valued. Balancing Service and Self-Care: Morgan discusses the importance of balancing her dedication to helping others with her mental health, drawing on strategies like gratitude practices to maintain a positive outlook. Quotes from Morgan DeNicola's Insights: On Cultural Diplomacy:"My views are at home. My views don't come with me. It's very important in my work that I go in as a blank slate, leaving my opinions behind so I can truly connect with others on their terms."Morgan shares how putting aside personal views allows her to build trust and engage meaningfully with diverse cultures. On Finding Purpose through Service:"I want to live for those moments where someone feels seen and loved. Those connections, however brief, make the work worthwhile and remind me why I'm here."Morgan reflects on a defining moment in Africa, highlighting how making others feel valued fuels her commitment to humanitarian work. On Balancing Service and Self-Care:"It's easy to lose yourself in service, to keep giving without pause. But like they say on airplanes, you need to put your own oxygen mask on first. That's the balance I strive for."Morgan explains the importance of caring for herself while dedicated to helping others. Call to Action:Follow Laugh, Lend, & Eat for more inspiring conversations with changemakers and leaders. Learn from Morgan DeNicola as she discusses her approach to cultural diplomacy, meaningful service, and balancing humanitarian work with self-care. Stay tuned for more episodes that delve into global perspectives and the power of human connection!

Episode Overview:In this Leadership Matters episode of Laugh, Lend, & Eat, host Fobby Naghmi is joined by two dynamic leaders: Scott Griffin, Founder and CEO of Scott Griffin Financial, and Eleni Theodorakos, Owner of NOVA Kids in Motion. The conversation dives deep into the personal journey of leadership, focusing on the importance of authenticity, energy, and inner growth. Both guests discuss how their unique leadership styles have been shaped by personal experiences, emphasizing how a leader's inner state influences team performance and organizational culture. Key Themes: Authenticity in Leadership: Scott discusses how being true to oneself naturally attracts opportunities and encourages others to bring their authentic selves to the workplace. The Ripple Effect of Energy: Eleni shares her perspective on how a leader's energy directly impacts the team, emphasizing that her mindset and attitude set the tone for her entire organization. Personal Growth and Reflection: Both Scott and Eleni highlight the importance of self-awareness and continuous personal growth, underscoring how these qualities strengthen their leadership abilities. Quotes from the Episode: On Authenticity and Opportunity:"Being true to yourself attracts opportunities. The more real we're willing to be with ourselves, the more we invite others to be comfortable with who they are."—Scott Griffin shares his belief in authenticity as the foundation of effective leadership. On the Ripple Effect of Leadership:"Everything that's inside is going to pour out. My team operates the way I operate—they shine when I shine."—Eleni Theodorakos explains how a leader's internal state directly influences team performance and morale. On Personal Growth and Positivity:"The power of appreciation invites you to appreciate life at a deeper level. Every moment becomes beautiful when you look for it, and that's how I approach my work."—Scott Griffin reflects on the importance of gratitude and positive thinking in fostering a meaningful and impactful life. Call to Action:Follow Laugh, Lend, & Eat for more insightful discussions on leadership, personal growth, and professional success. Tune in to learn from Scott Griffin and Eleni Theodorakos as they share their unique approaches to authenticity, energy, and self-awareness in leadership. Stay tuned for more episodes in the Leadership Matters series!

Episode Overview:In this Leadership Matters episode of Laugh, Lend, & Eat, host Fobby Naghmi dives into leadership dynamics with three notable guests: Jeff Walton, Co-Founder and CEO of InGenius, Alex Kutsishin, Co-Founder and CEO of FUEL !nc, and Keith Canter, CEO of First Community Mortgage. The discussion focuses on the importance of transparency in leadership, fostering trust within teams, and how to navigate tough market conditions. The trio shares their personal experiences with team building, dealing with adversity, and the challenges leaders face in maintaining a culture of accountability and openness. Key Themes: Transparency and Trust: Keith discusses how open and honest communication is key to creating a foundation of trust within a leadership team and explains how the "red pen culture" helps maintain that. Accountability and Team Building: Jeff emphasizes the importance of personal accountability and how great leaders focus on setting clear standards for their teams while making sure they are put in a position to succeed. Developing Talent: Alex highlights the importance of developing talent by focusing on people's strengths rather than their weaknesses and ensuring that leaders help their teams grow rather than trying to force them into roles they aren't suited for. Quotes from the Episode: On Transparency and Trust:"Clarity is kindness, and the best thing we can do as leaders is tell someone the truth, even when it's hard. Being honest with your team builds trust and helps everyone move forward."—Keith Canter emphasizes the value of honest communication in creating trust within a team. On Accountability and Team Building:"As leaders, we have a responsibility to make the people we hire successful. If we don't provide the right environment for them to thrive, we're failing them and the company."—Jeff Walton explains the importance of accountability and putting employees in the best possible position to succeed. On Developing Talent:"Leadership is about developing talent—either up or out. Not everyone can thrive in every environment, and it's our job as leaders to help people find where they can be their best."—Alex Kutsishin shares his perspective on how leaders should focus on cultivating their teams' strengths. Call to Action:Follow Laugh, Lend, & Eat for more insightful conversations on leadership with industry experts. Learn from Jeff Walton, Alex Kutsishin, and Keith Canter as they share their experiences on transparency, accountability, and team development. Stay tuned for more episodes in the Leadership Matters series!

Episode Overview:In this episode of Laugh, Lend, & Eat, host Fobby Naghmi is joined by Tobi Moyle, Professional Speaker and Leadership Consultant at Life Is A Ladder Inc. Tobi shares her philosophy on leadership, focusing on the importance of empathy, personal growth, and the role of corporate culture in shaping successful organizations. Her experiences as a consultant provide valuable insights into how leaders can foster positive change and meaningful connections within their teams. Key Themes: Empathy as a Leadership Tool: Tobi emphasizes that empathy is a core skill in leadership, allowing leaders to connect on a deeper level with their teams, which in turn leads to better performance and engagement. Personal Growth and Leadership: She discusses how personal growth is essential for anyone aspiring to lead, highlighting that self-awareness and continuous learning are key to effective leadership. The Impact of Corporate Culture: Tobi shares her experiences on how corporate culture influences not only the success of the company but also the well-being and productivity of its employees. Quotes from Tobi Moyle's Insights: On Empathy in Leadership:"Empathy is not just about understanding someone's feelings; it's about truly connecting with where they're coming from and using that connection to lead more effectively."Tobi underscores the critical role empathy plays in leadership, driving team cohesion and trust. On the Importance of Personal Growth:"Growth is uncomfortable, but it's necessary. You can't lead others until you've started leading yourself, and that requires a commitment to continuous improvement."Tobi highlights the importance of self-awareness and personal development for anyone in a leadership position. On Building a Positive Corporate Culture:"Culture is the backbone of any successful organization. It's not just what we say in meetings—it's what we do every day that shapes the environment people want to work in."Tobi discusses the long-term impact of corporate culture on both employee satisfaction and company success. Call to Action:Follow Laugh, Lend, & Eat for more enlightening episodes with industry leaders who share their knowledge on leadership, personal growth, and corporate success. Connect with Tobi Moyle to learn more about her work at Life Is A Ladder Inc. and how you can apply empathy and personal growth in your leadership journey!

Episode Overview:In this episode of Laugh, Lend, & Eat, host Fobby Naghmi and co-host Ginger Bell are joined by two seasoned leaders in the mortgage industry: Brian Covey, Executive Vice President of Revolution Mortgage, and Melissa Stashin, President of Pacific Residential Mortgage. The discussion centers around leadership challenges, fostering company culture during volatile times, and the significance of accountability and gratitude in building resilient teams. Both Brian and Melissa offer valuable insights from their careers and share how their leadership journeys have shaped their approaches to managing teams and maintaining a positive organizational culture. Key Themes: The Role of Accountability: Brian emphasizes the importance of self-accountability and coaching, explaining how setting personal standards can lead to more consistent success. Maintaining Company Culture During Tough Times: Melissa shares her experience in keeping team morale high during challenging market conditions and highlights the role of trust and alignment in building a positive culture. Gratitude as a Leadership Tool: Both Brian and Melissa discuss the role gratitude plays in leadership, explaining how recognizing blessings and focusing on positive contributions can help leaders stay grounded and inspire their teams. Quotes from the Episode: On Accountability:"What I have learned on my journey is one of my best coaches shared this: standards over feelings. When you set standards for yourself, you can self-regulate and move forward with accountability."—Brian Covey explains how having clear personal standards helps leaders stay accountable and achieve their goals. On Culture and Trust:"Hard conversations are hard, but you get through them with trust. If there's no trust, you won't be able to tackle the tough stuff. That's how you weather the storms."—Melissa Stashin discusses how trust is the foundation of a strong company culture, particularly during difficult times. On Gratitude in Leadership:"When you're going through troubles, the quickest way to move forward is to go serve someone. Gratitude flows from that, and it starts with being a blessing to others."—Brian Covey reflects on how practicing gratitude through service can help leaders maintain a positive outlook. Call to Action:Follow Laugh, Lend, & Eat for more enlightening conversations with industry leaders sharing their perspectives on leadership, culture, and accountability. Learn from Brian Covey and Melissa Stashin as they discuss how to navigate challenges and foster a positive company culture during volatile times. Stay tuned for more episodes in the Leadership Matters series!

Episode Overview:In this episode of Laugh, Lend, & Eat, host Fobby Naghmi and co-host Ginger Bell sit down with three industry leaders: Gabriel Gillen, President of Family First Funding LLC, Dalila Ramos, Founder of Love & Tacos Media, and Laura Brandao, Founder and CEO of Lighthouse Advisors LLC. The discussion covers the importance of leadership in the face of adversity, building a culture of trust, and the philosophy of servant leadership. Each guest shares personal stories that shaped their leadership journey, providing valuable insights into how leaders can grow through challenges and inspire their teams. Key Themes: Overcoming Adversity in Leadership: Dalila shares how facing personal challenges early in life helped her become resilient, shaping her leadership style today. Work-Life Balance and Family: Gabriel discusses how balancing family and business played a pivotal role in his journey and how bringing his family into the workplace fostered a unique culture at Family First Funding. Servant Leadership and Accountability: Laura emphasizes the importance of servant leadership, explaining that great leaders focus on empowering others rather than themselves. Quotes from the Episode: On Overcoming Adversity:"I've literally been on fire and survived it. So, whenever I face a challenge, I think, 'What else can go wrong?' It gives me the strength to push forward."—Dalila Ramos shares how overcoming physical and emotional adversity early in life shaped her resilient mindset as a leader. On Work-Life Balance:"We built a real family culture in the office. My wife was back in the office a week after giving birth, and all three of our kids grew up in the office."—Gabriel Gillen explains how integrating his family into his business created a culture of trust and support within his team. On Servant Leadership:"Leadership is not about you. It's about others. Servant leadership is about empowering the people you lead, and that's the key to true leadership."—Laura Brandao emphasizes the philosophy of servant leadership and how it drives her approach to leading teams. Call to Action:Follow Laugh, Lend, & Eat for more insightful episodes featuring leadership lessons from industry experts. Learn from Gabriel Gillen, Dalila Ramos, and Laura Brandao as they share their experiences on overcoming adversity, fostering a positive work culture, and embracing servant leadership. Stay tuned for more episodes in the Leadership Matters series!

Episode Overview:In this special Leadership Matters episode of Laugh, Lend, & Eat, host Fobby Naghmi is joined by co-host Ginger Bell, Founder of Edumarketing and AIMasteryCenter, along with two insightful guests: Corrina Carter, President, Founder, and CEO of CMS Mortgage, and Mike Mills, Area Manager at Geneva Financial LLC and host of The Texas Real Estate & Finance Podcast. The conversation revolves around their leadership journeys, the importance of empowering teams, and embracing both successes and failures as learning opportunities. Each guest shares their unique experiences, from starting a business to navigating complex team dynamics, offering invaluable lessons for aspiring leaders. Key Themes: Empowering Teams and Delegation: Corrina reflects on how seeing her team blossom under her leadership has given her immense pride, explaining that empowering her team to take ownership has been a game-changer in her career. Learning from Mistakes: Mike emphasizes the importance of failing early in one's career, sharing how mistakes can lead to significant growth and how embracing failures helps foster stronger leadership. Leading by Example: Ginger and the panel discuss how demonstrating vulnerability and admitting mistakes sets a strong example for teams, encouraging them to take responsibility and grow from their experiences. Quotes from the Episode: On Empowering Teams:"I have four team members who can almost read my mind before I even ask, and that feels so good. It's such a blessing to see them grow and take ownership of their roles."—Corrina Carter shares her experience in delegating responsibilities and seeing her team thrive under her leadership. On Embracing Failure:"You don't lose, you learn. The more mistakes you make, especially early on, the better equipped you'll be to handle challenges down the road."—Mike Mills talks about how failures can serve as valuable learning opportunities that lead to long-term success in leadership. On Leading by Example:"If I can say, ‘I'm sorry, I own this, my bad,' then when it's your turn, you'll feel comfortable owning your mistakes too. That's how we create better leaders."—Ginger Bell emphasizes the importance of demonstrating vulnerability and accountability as a leader. Call to Action:Follow Laugh, Lend, & Eat for more episodes featuring industry leaders sharing their leadership lessons, personal growth, and stories of navigating the mortgage and real estate industries. Connect with Ginger Bell, Corrina Carter, and Mike Mills to learn more about empowering teams, embracing failure, and leading with authenticity. Stay tuned for more conversations in the Leadership Matters series!

Episode Overview:In this episode of Laugh, Lend, & Eat, host Fobby Naghmi and co-host Ginger Bell are joined by three incredible guests: Joe Wilson, Founder & CEO of SocialCoach, Don Hastings, Founder of Senior Solutions Today, and Irene Duford, Founder of Loan Team Training/Living Your Dreams LLC. The panel dives into the importance of leadership, mentorship, and the power of listening. Each guest brings their unique experience to the table, discussing how leadership is a journey filled with challenges, adaptability, and the constant need for personal development. Key Themes: Leadership through Failure: Joe highlights how failure is part of the leadership journey and explains how his early struggles shaped the growth of SocialCoach. The Role of Mentorship: Don shares how personal development and mentorship are key to shaping not only your career but also the careers of those you lead. Listening as a Key Leadership Skill: Irene discusses how effective leadership involves listening to others, valuing their input, and using that insight to guide teams and foster growth. Quotes from the Episode: On Leadership and Failure:"Leaders are the kings of failure. Failure is really success because you're successful in finding a way that doesn't work."—Don Hastings reflects on how leaders must embrace failure as a critical part of growth. On Mentorship and Personal Development:"Mentorship is about helping others be as successful as they can possibly be. When they succeed, you succeed."—Don Hastings emphasizes the importance of servant leadership and helping others grow. On Listening as a Leader:"Being a good leader means being a good listener. It's about taking the time to really hear what others have to say, especially when their opinions differ from yours."—Irene Duford shares how listening is a foundational leadership skill. Call to Action:Follow Laugh, Lend, & Eat for more insightful discussions with industry leaders. Learn from Joe Wilson, Don Hastings, and Irene Duford on how to navigate the challenges of leadership, embrace mentorship, and become a better listener. Stay tuned for more episodes in the Leadership Matters series!

Episode Overview:In this special Leadership Matters episode of Laugh, Lend, & Eat, host Fobby Naghmi and co-host Ginger Bell are joined by three insightful guests: Ginger Bell, Founder of Edumarketing and AIMasteryCenter, Marshall Sparkman, Mortgage Sales Supervisor at U.S. Bank, and Michelle Velez, Certified Mortgage Consultant at Mortgage Dynamics. Together, they discuss the importance of leadership in both the mortgage industry and personal life, sharing their own experiences of leading teams, overcoming fear, and adapting to change. Key Themes: Collaborative Leadership: Michelle emphasizes the importance of motivating volunteers and creating a collaborative environment, highlighting the difference between leading in corporate settings and volunteer-based organizations. Adaptability and Change: Marshall reflects on the power of adapting quickly and embracing change, particularly in today's uncertain market, while Ginger stresses the need to "shift hard, shift fast" as a leader. Inspiring Others: All guests discuss the value of inspiring trust in others and leading by example, whether through volunteer work or within professional settings. Quotes from the Episode: On Collaborative Leadership:"You can't just say, 'You're going to do this, you're going to do that.' It has to be a collaborative effort. You need to work together to reach that 30,000-foot goal."Michelle Velez explains the importance of collaboration and buy-in when leading volunteers in nonprofit organizations. On Adaptability and Leadership:"The only constant is change. As leaders, we have to be able to shift quickly and communicate that effectively to our teams to help them get over the fear of the unknown."Ginger Bell highlights how leaders must embrace and anticipate change in order to guide their teams through uncertain times. On Inspiring Trust:"As a leader, you have to inspire trust in others. People want to be led, but they also want to trust that their leader has their best interests at heart."Marshall Sparkman discusses how trust is the foundation of effective leadership, especially when navigating challenging situations. Call to Action:Follow Laugh, Lend, & Eat for more insightful episodes that explore leadership, personal growth, and industry trends. Learn from Ginger Bell, Marshall Sparkman, and Michelle Velez as they share their experiences on inspiring change, building trust, and navigating the evolving mortgage industry. Stay tuned for more episodes in the Leadership Matters series!

In this lively episode of Laugh, Lend, & Eat, hosts Fobby Naghmi and Madison Keenan discuss the current mortgage market, the complexities of refinancing, and how to best guide clients through today's volatile interest rate environment. With humor and insight, the duo break down the Federal Reserve's recent rate cuts, misconceptions around mortgage rates, and the importance of educating clients in an industry filled with noise and misinformation. Key Themes: Interest Rate Confusion: Madison and Fobby clarify the misunderstanding clients often have about the Federal Reserve's role in mortgage rates and why immediate relief isn't always seen. Client Education and Trust: Madison discusses the importance of building trust with clients and how she helps them navigate misleading information, ensuring they make informed decisions. Refinancing Strategy: Both hosts reflect on the delicate balance of timing in refinancing, weighing the cost of points and fees against the long-term benefits. Quotes from the Episode: On Interest Rate Misconceptions:"People just instantaneously thought that the interest rates went into the 5s and the 4s. But what they forget is that you have to pay points."Madison explains the common misconception about rate cuts and how clients are often misled by the media. On Educating Clients:"There's a lot of myth-busting right now and just education, which as a mortgage lender, you should always be doing."Madison highlights the importance of guiding clients through the noise and ensuring they make informed decisions. On Refinancing:"I could be making a paycheck off you right now, but it's not beneficial to our relationship because I'm your trusted mortgage advisor."Madison shares her approach to client relationships, prioritizing trust over immediate financial gain. Call to Action:Follow Laugh, Lend, & Eat for more episodes filled with market insights, humor, and practical advice for mortgage professionals and homebuyers alike. Tune in for the latest discussions on interest rates, refinancing strategies, and how to make informed financial decisions in a rapidly changing market!

In this thought-provoking episode of Laugh, Lend, & Eat, we sit down with Jay Doran, Chief Executive Officer at Culture Matters LLC. Jay shares his journey of personal and professional metamorphosis, the power of curiosity, and the role of culture in leadership. With a focus on self-awareness, the episode explores how culture impacts business success and how asking the right questions can drive growth and transformation. Jay opens up about the importance of creating depth in relationships and how meaningful connections can lead to both personal and organizational development. Key Themes: Metamorphosis and Personal Growth: Jay discusses his ongoing transformation, likening it to a cocoon to butterfly process, and reflects on the changes he's experienced in both his personal life and career. The Power of Questions in Leadership: Jay emphasizes how asking the right questions, rather than having all the answers, is key to leadership and personal development. Culture as a Foundation for Business: Jay delves into how culture impacts both employees and clients, emphasizing the importance of creating authentic and deep connections in a professional environment. Quotes from Jay Doran's Insights: On Personal Metamorphosis:"I'm going through a metamorphosis. The cocoon to butterfly process is real, and I've learned that stepping back from certain things to allow growth is essential."Jay reflects on his ongoing journey of change and how it has shaped his leadership and personal life. On the Importance of Asking Questions:"You don't close deals because you know the answers. You close deals because you know the right questions to ask."Jay explains how inquiry drives progress and is more valuable than simply having all the answers in business. On Culture and Leadership:"When someone disagrees with me, I remind myself, ‘This is when culture matters.' That's when your leadership truly shows, when you listen and create a safe space for them to share."Jay highlights how culture is integral to leadership and how managing disagreements with empathy is key to maintaining strong relationships. Call to Action:Follow Laugh, Lend, & Eat for more insightful conversations with industry leaders. Learn from Jay Doran on how culture drives business success, the power of transformation, and why asking the right questions is the key to growth. Stay tuned for more episodes that explore leadership, personal development, and the role of culture in the workplace!

Episode Overview:In this episode of Laugh, Lend, & Eat, we sit down with Divine4thLetter, Director of Culture at FormFree, live at NAMMBA Connect '24. Divine shares his powerful story, detailing his journey from hustling in the streets, to building a career in rap, and ultimately entering the tech space. The conversation explores how Divine overcame immense challenges, leveraged his entrepreneurial spirit, and applied the lessons from his past to succeed in corporate America. Divine's role at FormFree allows him to shape company culture while remaining authentic to his roots. Key Themes: The Power of Resilience: Divine talks about overcoming the challenges of his early life, including multiple incarcerations, and how he used those experiences as fuel for his success. Translating Street Knowledge to Business: Divine discusses how the entrepreneurial skills he developed on the streets transferred to his career in tech, helping him navigate corporate environments and build a successful career. Creating Authentic Culture in Corporate Spaces: As the Director of Culture at FormFree, Divine emphasizes the importance of authenticity in shaping company culture, drawing from his own life experiences to foster a unique and inclusive environment. Quotes from Divine4thLetter's Insights: On Resilience and Redemption:"I went from crack to rap to tech. Each phase of my life taught me something valuable, and I used those lessons to keep moving forward, even when things got tough."Divine reflects on how his journey through different phases of life has shaped his resilience and determination to succeed. On Translating Street Hustle to Business:"Corporate America has its own system just like the streets. I took the skills I learned hustling—manufacturing, marketing, distribution—and applied them in business. It's all entrepreneurial."Divine shares how the skills he developed in his past life directly translate to success in the corporate world. On Building Culture:"I don't come into a company as just an employee—I come in as an executive, an entrepreneur. I'm here to help build something, and that's the mindset I bring to every space I enter."Divine explains how his approach to leadership and culture-building at FormFree is rooted in his entrepreneurial mindset and authenticity. Call to Action:Follow Laugh, Lend, & Eat for more inspiring conversations with industry leaders who are reshaping corporate culture and driving innovation. Connect with Divine4thLetter to learn more about how he is blending his past experiences with his role at FormFree to foster an authentic and inclusive workplace. Stay tuned for more episodes exploring stories of resilience, entrepreneurship, and success in the mortgage and tech industries!

Episode Overview:In this episode of Laugh, Lend, & Eat, we sit down with Whitley Cooper, a Mortgage Broker at Advocate Home Loan, live from NAMMBA Connect '24. Whitley shares her inspiring journey from mortgage originator to running her own brokerage, highlighting the importance of advocacy in helping underserved communities. The discussion covers topics such as breaking down barriers for minority homeownership, the role of personal branding in business, and how Whitley's work with the Black Homeownership Council is driving legislative change. Key Themes: Advocacy in Homeownership: Whitley emphasizes the role of advocacy in helping consumers who may not understand the complexities of homeownership, especially within minority communities. Representation in the Mortgage Industry: Whitley shares the importance of being a black woman mortgage broker, showing how representation can make a difference for clients and future loan originators. Driving Legislative Change: Whitley discusses her work with the Black Homeownership Council, where she helps shape legislation to improve homeownership opportunities for Black Americans. Quotes from Whitley Cooper's Insights: On Advocacy and Homeownership:"Being an advocate for our consumers and home buyers means helping represent the folks who can't represent themselves. We're the mortgage experts, and we need to share that knowledge to help them build wealth."Whitley explains how her mission is to guide clients through the homeownership process and empower them with the tools to succeed. On Representation in the Industry:"Having a broker owner in this business who looks like me, a Black woman, allows consumers to connect with someone who shares their experiences and helps other originators grow their businesses too."Whitley highlights the value of representation, both for clients and for fostering diversity within the mortgage industry. On Legislative Change for Minority Homeownership:"We work with members of Congress, particularly the Congressional Black Caucus, to ensure that the language in laws being introduced will truly help Black Americans. It's easier to make changes before a law is passed than to undo them after."Whitley discusses her advocacy work in Washington, D.C., and how she's helping shape policy to better serve underserved communities. Call to Action:Follow Laugh, Lend, & Eat for more inspiring stories from mortgage industry leaders. Connect with Whitley Cooper to learn how she is advocating for minority homeownership and making a difference through her work at Advocate Home Loan. Stay tuned for more episodes exploring the intersection of community, business, and legislative change in the mortgage industry!

Episode Overview:In this episode of Laugh, Lend, & Eat, we sit down with Jeff Walton, CEO of Ingenius, live from NAMMBA Connect '24 in Orlando. Jeff shares insights on the role of data in the mortgage industry, the challenges lenders face in today's market, and how technology is revolutionizing the way companies operate. With over 30 years of experience, Jeff discusses how data accuracy can make or break business decisions, the impact of AI on the lending space, and how Ingenius is helping lenders adapt and grow in an increasingly competitive environment. Key Themes: The Shrinking Market of Loan Officers: Jeff discusses the significant reduction in the number of loan officers over the past few years and how that has impacted the lending industry. The Importance of Data Accuracy: Jeff explains how data accuracy is vital to lenders' success, and how Ingenius ensures precise data by blending multiple sources to give companies an edge. AI and Technological Breakthroughs: Jeff talks about how AI is accelerating the development of technology, compressing timelines, and how the next few years could bring rapid change to the mortgage industry. Quotes from Jeff Walton's Insights: On the Shrinking Market of Loan Officers:"At the peak, we had around 182,000 loan officers, and now it's down to 95,000. It makes all the sense in the world, the pie shrinks and everything shrinks in half."Jeff explains how the reduction in loan officers has affected the lending market and why this shift is happening. On Data Accuracy:"Data is extremely messy. It comes from 3,200 different counties with varying processes and technologies. We take three sources of data and blend it with MLS and census data to make it much more accurate and granular."Jeff highlights the importance of data accuracy and how Ingenius creates reliable datasets that give companies a competitive advantage. On the Future of AI in Mortgage Lending:"I think we're on the precipice of major breakthroughs with AI. What took 10 years before could happen in the next two. It's compressing everything, making it faster and more affordable."Jeff discusses the potential for AI to revolutionize the mortgage industry by accelerating technological development. Call to Action:Follow Laugh, Lend, & Eat for more insightful conversations with industry leaders. Learn from Jeff Walton about how Ingenius is helping lenders use data and technology to navigate a shrinking market and capitalize on new opportunities. Stay tuned for more discussions on the future of AI, data, and innovation in the mortgage industry!

Episode Overview:In this episode of Laugh, Lend, & Eat, we're joined by Marcus Leoni from Marketwise, live from NAMMBA Connect '24. Marcus dives into his experiences as a business owner, the lessons he's learned from competitive powerlifting, and the current challenges in the mortgage industry. He shares insights into the importance of patience and consistency in growing a business and how his company, Marketwise, operates in the AMC (Appraisal Management Company) space. Marcus also reflects on how AI and technology are shaping the future of mortgage lending, while also pointing out some of the limitations of these tools today. Key Themes: Patience and Consistency in Business: Marcus emphasizes how the lessons he learned in competitive powerlifting, such as dedication and long-term focus, apply directly to the business world. Challenges in the AMC Space: He discusses the importance of building strong relationships with clients in the appraisal management industry, focusing on personal connection over automation. AI and Technology in Mortgage Lending: Marcus shares his views on the current state of AI and machine learning in the mortgage industry, acknowledging its potential while also expressing skepticism about its readiness for tasks like property valuation. Quotes from Marcus Leoni's Insights: On Patience and Consistency in Business:"Everything I learned about business so far, I learned through dedication and patience in the gym. It's about setting goals and working consistently toward them, whether you're squatting or growing a business."Marcus explains how his competitive powerlifting background has shaped his business approach, highlighting the importance of patience and steady effort. On Client Relationships in the AMC Space:"We don't want clients to think they need to be with us—we want them to know they can call us and we'll solve their problem, hands-on. It's all about personal connection, not just transactions."Marcus emphasizes the importance of building strong, personal relationships in the appraisal management business, focusing on service rather than automation. On AI and Machine Learning in Mortgage:"AI is a buzzword right now, but when it comes to something as nuanced as property valuation, I'm not sure the technology is quite ready to fully replace human judgment."Marcus reflects on the role of AI in the mortgage industry, acknowledging its potential but expressing caution about its current limitations, especially in critical areas like property appraisals. Call to Action:Follow Laugh, Lend, & Eat for more engaging conversations with industry leaders. Learn from Marcus Leone on how patience, consistency, and strong relationships can drive business success in the appraisal management space. Stay tuned for more episodes discussing the evolving role of technology in mortgage lending and the importance of staying connected with clients!

Episode Overview:In this insightful episode of Laugh, Lend, & Eat, we sit down with Jesse Taylor, Director of Compliance Products & Services at Asurity, live from NAMMBA Connect '24. Jesse provides an in-depth look at the critical role compliance plays in the mortgage industry, from ensuring fair lending practices to leveraging data for better business decisions. The conversation explores the challenges of maintaining compliance, the opportunities presented by untapped markets, and the importance of inclusive marketing and representation. Key Themes: The Power of Compliance Data: Jesse discusses how compliance data can reveal untapped markets and lead to new business opportunities, emphasizing that compliance is not just about risk management but also about growth. Fair Lending Practices: Jesse highlights the significance of fair lending, ensuring that lenders are meeting regulatory standards while also expanding access to homeownership in underserved communities. The Importance of Inclusive Marketing: Jesse touches on the role of inclusive marketing, explaining how lenders can avoid common mistakes by ensuring their marketing efforts reflect diversity and do not alienate any group. Quotes from Jesse Taylor's Insights: On Compliance as a Growth Tool:"When you look at how your institution is performing compared to your peers, it's not just a target on your back. It's an opportunity. If your competitors are making loans in underserved areas and you're not, you're leaving money on the table."Jesse emphasizes that compliance data can be used to uncover missed business opportunities, making it a tool for growth as well as risk management. On the Importance of Fair Lending:"Fairness is one of my core values. When I learned about fair lending, I saw the opportunity to combine that value with my love for data. It's about making sure everyone has equal access to financial products."Jesse shares her personal connection to fair lending, underscoring the importance of fairness in the mortgage industry. On Inclusive Marketing:"The right way to approach marketing is to be inclusive and diverse. If everyone in your marketing looks the same, you're sending the message that you're not catering to certain groups. It's about broadening and diversifying your outreach."Jesse explains the importance of diversity in marketing and how it can positively impact a company's reputation and reach. Call to Action:Follow Laugh, Lend, & Eat for more deep dives into the mortgage industry with leading experts. Learn from Jesse Taylor on how to use compliance as a tool for growth, ensure fair lending practices, and create inclusive marketing strategies. Stay tuned for more episodes exploring key trends and challenges in mortgage compliance!

Episode Overview:In this episode of Laugh, Lend, & Eat, we're joined by Clayton Collins, CEO of HW Media, live from NAMMBA Connect '24. Clayton provides key insights into the current state of the real estate industry, the impact of recent regulatory changes, and how mortgage professionals can stay ahead of the curve. The conversation delves into the importance of understanding the symbiotic relationship between loan officers and real estate agents, and the need for professionals to adapt to shifting market dynamics. Key Themes: Regulatory Changes in Real Estate: Clayton explains how recent changes in cooperative compensation for buyer agents are reshaping the real estate industry and the strategies loan officers need to adopt. The Role of Loan Officers: Clayton emphasizes the importance of loan officers becoming financial partners to their clients, offering deeper advice beyond just mortgages. Adapting to Market Changes: Clayton discusses how the real estate and mortgage industries are evolving together, and how professionals need to remain flexible and informed to thrive in the future. Quotes from Clayton Collins' Insights: On Navigating Regulatory Changes:"The industry is actually evolving in a place where buyer rep agreements become the norm. It's about time people start having conversations about how transactions are structured and where the money's going."Clayton explains how the real estate industry is adapting to the recent changes and why it's crucial for professionals to engage in these discussions. On the Importance of Professionalism:"The professionalism of this industry is going to step up by nature of formality. We're going to see the barrier to entry get a little higher, and we'll come out the other side better as an industry."Clayton highlights how the real estate and mortgage industries are improving, with greater professionalism being a silver lining of the changes. On the Symbiotic Relationship Between Loan Officers and Agents:"Loan officers need to understand the symbiotic relationship. If one half isn't around anymore, you're going to need to find more agents who will be, or you won't be around either."Clayton stresses the importance of loan officers recognizing their interdependence with real estate agents and preparing for potential shifts in their working relationships. Call to Action:Follow Laugh, Lend, & Eat for more insightful conversations with leaders in the mortgage and real estate industries. Learn from Clayton Collins on how to adapt to industry changes, improve your professional relationships, and stay informed on regulatory shifts. Stay tuned for more episodes that dive deep into the evolving landscape of real estate and mortgage lending!

Episode Overview:In this episode of Laugh, Lend, & Eat, we sit down with Roy George, President of MOR Lending, and Dalila Ramos, Founder of Love and Tacos Media. Roy and Dalila discuss the power of social media, the importance of nurturing new talent in the mortgage industry, and how leadership requires patience and vision. The episode explores how building a brand and legacy in the mortgage space starts with authenticity and a commitment to developing the next generation of professionals. Key Themes: Developing New Talent: Roy shares his experience in growing his team by hiring and mentoring young, inexperienced talent, including a success story about a loan officer who joined with no experience and grew to become the top producer. The Power of Social Media: Dalila emphasizes the importance of using social media to connect with clients and build a brand that resonates with the target audience, while staying neutral and inclusive in a polarized environment. Leadership and Long-Term Vision: Both guests stress the value of long-term planning and patience in leadership, with Roy highlighting that true success comes from thinking five years ahead, not expecting instant results. Quotes from Roy & Dalila's Insights: On Developing Young Talent:"A kid who moved my furniture in is the largest producer of loans and only knows how to do loans the way I taught him."Roy explains how investing in and mentoring green talent can yield long-term success for both the individual and the company, highlighting the value of hands-on leadership. On Social Media Neutrality:"I encourage people in our industry to stay neutral because homeownership is for everybody."Dalila shares her philosophy on maintaining neutrality on social media, avoiding political discussions to ensure her brand is inclusive and appeals to a broad audience. On Leadership and Vision:"I never went into this thinking I was going to grow this up to be a million-dollar operation tomorrow. What I did say was, in five years, I'll be back to making the money I was as a C-level executive."Roy underscores the importance of having a long-term vision in leadership, emphasizing that patience and planning are essential for building a lasting legacy. Call to Action:Follow Laugh, Lend, & Eat for more insightful conversations with leaders in the mortgage and finance industries. Learn from Roy George and Dalila Ramos on how to build a strong brand, nurture talent, and create a lasting impact in the mortgage space. Stay tuned for more episodes exploring leadership, social media, and the future of the industry!

Episode Overview:In this episode of Laugh, Lend, & Eat, we're joined by two mortgage industry veterans: Laura Brandao, CEO of Lighthouse Advisors, and Allen Middleman, Senior Vice President at Freedom Mortgage Wholesale. Together, they share their insights on leadership, the importance of adaptability in the ever-changing mortgage industry, and how professionals can plan for the future. The conversation focuses on lessons learned from past industry cycles, the role of accountability, and the value of staying ahead of technological trends. Key Themes: Adaptability as the Key to Success: Laura and Allen emphasize how adaptability is the most critical trait for professionals in the mortgage industry, especially as market conditions constantly evolve. Leadership and Accountability: Both guests highlight the importance of accountability in leadership, not only for setting goals but also for fostering a culture where teams are supported through challenges. Looking to the Future: The discussion touches on preparing for future market changes, technological advances, and the importance of being proactive rather than reactive in the next five to ten years. Quotes from Laura & Allen's Insights: On Adaptability:"The number one secret to success is adaptability. If you realize that we're always going to be moving, always going to be adapting, then you are going to be okay. None of us have a crystal ball, but I guarantee one thing—it's going to change."Laura stresses that adaptability is crucial for staying relevant and successful in the mortgage industry, where constant change is inevitable. On Leadership and Accountability:"We all know what to do, but the hard part is executing on it every day. Having a plan and holding yourself accountable with others keeps you in line, and that's what makes all the difference."Allen explains that while everyone has the knowledge, the challenge is in the execution, and having a supportive network or accountability partners can drive better results. On the Future of Mortgage Lending:"The change we've experienced over the last five years is going to accelerate even more rapidly. If you're not working on your 2027 plan right now, you're already late."Laura emphasizes that planning for the future is not just a five-year endeavor but an ongoing process that needs to account for rapid advancements in technology and market shifts. Call to Action:Follow Laugh, Lend, & Eat for more thought-provoking episodes featuring top industry leaders. Learn from Laura Brandao and Allen Middleman how adaptability and leadership can help you stay ahead in the mortgage industry. Stay tuned for more expert insights on preparing for the future of lending and navigating the complexities of an evolving market!

Episode Overview:In this episode of Laugh, Lend, & Eat, we welcome Melissa Correa, Branch Manager, and Samantha Barbier, Loan Partner, both from Homecomings Mortgage. Melissa and Samantha share their experiences in the mortgage industry, focusing on empowering clients through education, overcoming cultural barriers, and leveraging social media to connect with broader audiences. The conversation highlights their efforts to bridge communication gaps for minority communities and make homeownership more accessible. Key Themes: Education as a Tool for Empowerment: Melissa and Samantha discuss the importance of educating clients, particularly those from different cultural backgrounds, to help them navigate the complexities of the mortgage process in the U.S. Bridging Cultural Gaps: They explain how they work to overcome cultural misunderstandings, particularly around down payments and financial documentation, which are often viewed differently in other countries. Utilizing Social Media: Samantha highlights the role of social media in staying connected with clients and providing educational content that resonates, especially as the mortgage industry adapts to digital platforms. Quotes from Melissa & Samantha's Insights: On Overcoming Cultural Differences in Mortgage Lending:"In our countries, money isn't questioned the way it is here. People don't understand why they have to explain where their down payment is coming from."Melissa explains how the U.S. mortgage system often requires more documentation and transparency than clients from other countries expect, which can be a significant hurdle. On the Importance of Educational Content:"You don't have to do fancy things on social media... Educative content, like answering common questions clients have, is what keeps you top of mind and helps people understand the process."Samantha emphasizes that staying visible and providing educational content through social media is crucial for building trust and helping clients feel informed. On the Emotional Impact of Homeownership:"I've cried with clients when they tell me, 'We're finally moving out of a one-bedroom, and my kids will each have their own space.' It's moments like these that remind me why I do this."Melissa shares the emotional side of her work, explaining how helping families secure homes makes the hard work worthwhile. Call to Action:Follow Laugh, Lend, & Eat for more inspiring conversations with leaders in the mortgage industry. Connect with Melissa and Samantha from Homecomings Mortgage to learn how they are helping clients bridge cultural gaps and make homeownership a reality. Stay tuned for more insights on empowering communities through education and the power of social media in the mortgage industry!

Episode Overview: In this episode of Laugh, Lend, & Eat, we welcome Kevin Peranio, Chief Lending Officer at PRMG, who shares his wealth of knowledge about the mortgage industry. Kevin dives into the importance of maintaining an abundance mindset, the challenges of homeownership for younger generations, and how industry professionals can adapt to the evolving market. Known for his long-form social media content and on-the-road reporting, Kevin emphasizes the value of sharing knowledge and creating positive energy within the industry. Key Themes: Abundance Mindset: Kevin discusses how adopting an abundance mindset helps industry professionals navigate the competitive mortgage landscape. The Importance of Starter Homes: He explains how younger generations should embrace starter homes as a way to build wealth and equity, even if it means moving away from prime locations. Future of Mortgage Rates: Kevin shares his optimism for the next 18 months, highlighting the trends that suggest mortgage rates will continue to improve. Quotes from KP's Insights: On the Importance of an Abundance Mindset:"You have to have an abundance mindset in this business... There's enough business, enough market share, and enough people for all of us to succeed. It's not a zero-sum game."Kevin emphasizes that there's plenty of opportunity in the industry and encourages professionals to collaborate and share knowledge instead of competing in a scarcity mindset. On Starter Homes and Building Wealth:"You're going to have to go away from the city, from the nice neighborhoods, and start somewhere. It's like your first job—you've got to work hard, build equity, and then you move up."Kevin explains the importance of embracing starter homes for younger buyers, helping them build wealth and eventually upgrade to better properties. On the Future of Mortgage Rates:"Rates have been turning down since October. The 10-year treasury is at 380, and once it breaks through that floor, we're going to be off to the races. The next year and a half could be fantastic."Kevin shares his positive outlook on the mortgage market, predicting that the coming months will bring significant opportunities for buyers and industry professionals alike. Call to Action:Follow Laugh, Lend, & Eat for more insightful conversations with industry leaders. Connect with KP from PRMG to learn how he's navigating the mortgage market with confidence and helping others do the same. Stay tuned for more discussions on fostering an abundance mindset and preparing for the future of the mortgage industry!

Episode Overview:In this episode of Laugh, Lend, & Eat, we sit down with Steven Winokur, Chief Marketing Officer at Carrington Mortgage, who shares his insights into the evolving world of marketing for mortgage professionals. Steve emphasizes the importance of authenticity, particularly in video content, as a way to build genuine connections with clients and partners in a post-COVID world. With decades of experience, Steve discusses the future of marketing, the challenges AEs face, and how mortgage professionals can become trusted financial advisors for their clients. Key Themes: The Importance of Video Marketing: Steve explains how video has become essential for AEs and mortgage professionals to stay visible and maintain personal connections in a remote world. Authenticity Over Perfection: Steve stresses the value of being real and authentic in video content, encouraging AEs to focus on connection rather than trying to achieve perfection. The Role of Financial Advisors: Steve talks about how mortgage professionals should move beyond transactions and become trusted financial advisors for their clients, helping them navigate their overall financial health. Quotes from Steve's Insights: On the Value of Video Content:"I want the loan officer to see the AE in action. The connection is made virtually... The brain doesn't recognize the difference between being in person or watching it on a screen."Steve highlights the power of video in building virtual connections, making it a crucial tool for mortgage professionals in today's landscape. On Being Authentic:"You're not gonna win an Emmy, and you're not gonna be up for the Academy Awards. But that's not the point... Be who you are. That's what makes the connection real."Steve encourages AEs to embrace their imperfections in video content, emphasizing that being authentic is what truly matters when creating connections. On the Future of Mortgage Marketing:"I've been a big proponent of having AEs or loan officers talk about being more of a financial advisor... It's about asking questions and understanding their financial situation so you can help them make informed decisions."Steve stresses the importance of mortgage professionals positioning themselves as financial advisors, not just transactional agents, to build long-term trust with clients. Call to Action:Follow Laugh, Lend, & Eat for more insightful discussions with leaders in the mortgage and finance industries. Connect with Steven Winokur from Carrington Mortgage and learn how his team is using innovative marketing strategies to build lasting relationships. Tune in for more episodes that explore the evolving role of mortgage professionals and the power of authenticity in marketing!

Episode Overview:In this episode of Laugh, Lend, & Eat, we're joined by Peter Fugaro, Director at Prymak, who shares his expertise in mortgage technology and the challenges the industry faces. Peter discusses how his firm helps lenders make informed tech decisions, the significance of fraud detection in today's mortgage environment, and the value of being a Certified Mortgage Banker (CMB). With decades of experience, Peter sheds light on the evolving landscape of the mortgage industry and the importance of staying ahead of the curve. Key Themes: Navigating Mortgage Technology: Peter explains how Prymak helps lenders optimize and improve their technology systems, ensuring they get the most out of existing tools while guiding them through complex tech implementations. Mortgage Fraud and Its Rise: Peter talks about the surprising persistence of fraud in the mortgage space, despite advancements in technology, and how the industry must stay vigilant. The CMB Certification: Peter shares his journey to becoming a Certified Mortgage Banker (CMB) and how the program helps professionals deepen their understanding of the mortgage industry while fostering a close-knit community of experts. Quotes from Peter's Journey: On Optimizing Technology:"A lot of the good projects we do is taking advantage of what you already have because replacing technology is just expensive... So we help improve what you have rather than always suggesting to replace it."Peter emphasizes the importance of maximizing existing tech investments, helping lenders avoid unnecessary costs. On Mortgage Fraud:"Go online, and you can find fake pay stubs and W-2s for 'novelty purposes'... There's always going to be someone trying to game the system, and we need to stay on top of that."Peter highlights the ongoing challenge of mortgage fraud and how even with advancements in technology, fraudulent activities continue to be a major issue. On the CMB Certification:"The CMB Society is a small but close-knit group, and it's not just about getting the certification. It's about giving back to the industry, advocating for it, and staying connected with other experts."Peter describes the value of earning the CMB designation, both as a professional credential and as a way to contribute to the broader mortgage industry. Call to Action:Follow Laugh, Lend, & Eat for more engaging episodes with leaders in the mortgage and financial sectors. Connect with Peter Fugaro and learn how Prymak can help optimize your mortgage technology solutions. Stay informed on the latest trends in fraud prevention, technology, and certification programs like CMB by tuning in to future episodes!

We have a returning guest, Montell Watson⁠, the Director of Diversity Lending and Strategic Partnerships at Movement Mortgage. Montell sat down with Fobby and Joe to kick off Day 2 of NAMMBA Connect '24. Montell shares his personal journey and the critical work he's leading at Movement Mortgage to address the racial homeownership gap. With over 14 years of experience in the mortgage industry, Montell has been instrumental in launching initiatives like Grab the Key, a program aimed at increasing homeownership among underserved communities. In this conversation, Montell emphasizes the importance of actionable intelligence, fostering community relationships, and using technology to drive equity in homeownership. Key Topics: Actionable Data and Diversity: Montell explains how Movement Mortgage uses data-driven strategies to recruit diverse talent and reach marginalized communities, highlighting how actionable intelligence is more impactful than traditional AI models. Closing the Homeownership Gap: Montell discusses the Grab the Key initiative, which focuses on empowering Black Americans to overcome systemic barriers to homeownership and build generational wealth. Overcoming Systemic Challenges: Montell shares his personal experience witnessing the 2008 financial crisis and how it shaped his mission to address disparities in the mortgage industry. His work focuses on providing educational resources and leveraging data to help minority communities thrive in homeownership. Building Confidence through Data: Montell talks about how having the right data allows companies and loan officers to confidently serve underrepresented groups and build lasting relationships. Quotes from Montell's Journey: On Actionable Data:"We have data at our fingertips, but what difference does it make if you don't do anything with that information? That's why we focus on actionable intelligence first. Without action, intelligence is just fine—it's not AI."— Montell emphasizes the importance of using data to drive results in recruiting diverse talent and identifying opportunities in underserved markets On the Homeownership Gap:"Homeownership is still one of the best ways to grow wealth, and low homeownership rates in Black communities have a direct correlation to net worth."— Montell highlights the racial disparities in homeownership and his commitment to addressing these through initiatives like Grab the Key On Overcoming Systemic Barriers:"We have an opportunity to change the systemic long-term trust issues Black households have with financial institutions, while empowering all potential homeowners to believe homeownership is for them."— Montell reflects on the need for trust-building between minority communities and financial institutions Call to Action:Subscribe to Laugh, Lend, & Eat for more episodes featuring industry leaders like Montell Watson, who are shaping the future of mortgage lending through diversity and innovation. Connect with Montell and Movement Mortgage to learn more about their efforts in creating equity in homeownership. Stay tuned for more discussions that explore the latest trends and insights from the mortgage industry.

In this episode of Laugh, Lend, & Eat, we're live at NAMMBA Connect '24 with Eric Levin, Founder of Model Match, and Thomas Seelbinder, Head of Product. Eric and Thomas dive deep into how Model Match helps companies grow through data-driven recruitment strategies, focusing on finding the right talent and building sustainable teams. The episode explores how actionable intelligence, rather than just artificial intelligence, empowers mortgage companies to recruit effectively, scale, and drive success in an ever-competitive market. Key Themes: Actionable Data in Recruitment: Eric and Thomas emphasize how Model Match uses real, actionable intelligence to help companies grow by identifying the best talent and opportunities. Overcoming Fear with Data: They discuss how using data removes the fear and uncertainty often associated with recruitment, allowing companies to make confident, informed decisions. Technology Driving Efficiency: Thomas explains how Model Match's tools, like Pulse AI, reduce friction in the recruitment process by identifying opportunities with greater precision, allowing companies to focus their efforts where it matters most. Quotes from Eric & Thomas's Insights: On Actionable Data:"We have data at our fingertips, but what difference does it make if you don't do anything with that information? That's why we focus on actionable intelligence first. Without action, intelligence is just fine—it's not AI."— Eric explains the importance of using data effectively, highlighting how actionable intelligence is key to driving results in recruitment and growth. On Overcoming Fear in Recruitment:"What does data give me? It gives me confidence. What does confidence decrease? Fear."— Eric illustrates how having access to the right data builds confidence in decision-making, helping companies approach recruitment with less hesitation and more clarity. On Pulse AI and Reducing Friction:"With Pulse AI, we're able to analyze data and show you exactly which agents or loan officers you should be focused on, based on real relationships and transactions. It's not just about giving you a list—it's about showing you why these people matter."— Thomas discusses how Model Match's Pulse AI tool enhances recruitment by providing precise insights, allowing users to focus on high-value targets and save time. Call to Action:Follow Laugh, Lend, & Eat for more engaging discussions with industry leaders. Discover how Model Match, led by Eric Levin and Thomas Seelbinder, is revolutionizing recruitment through data-driven solutions that enhance growth and efficiency. Visit Model Match's website to learn how your company can leverage actionable intelligence to build stronger teams. Stay tuned for more episodes that explore the future of recruitment and technology in the mortgage industry!

In this episode of Laugh, Lend, & Eat, we're live at NAMMBA Connect '24 with a friend of the show, Leonard Pollard, Branch Leader at Movement Mortgage. Leonard shares his journey in the mortgage industry, the importance of building strong relationships, and how social media has become an essential tool for his business. With over 25 years in the industry, Leonard discusses his transition from a transactional business approach to one focused on community building and personal connections. Key Themes: The Power of Relationships: Leonard emphasizes how treating clients like family has been a cornerstone of his success, turning everyday transactions into lifelong relationships. Leveraging Social Media: Leonard reveals how platforms like TikTok and Instagram have transformed his business, bringing in 22% of his leads. Movement Mortgage and Its Culture: Leonard explains how Movement Mortgage's culture aligns with his values and has allowed him to blend his personal and professional life seamlessly. Quotes from Leonard's Journey: On Building Relationships:"The thrill of the relationships, right, and the end goal... It could be rocky from start and in between with buyers and being a loan officer, but at the end, when you get to celebrate, pop champagne, get the keys, watch the tears, watch the kids, that's what warms my heart."Leonard shares the joy he finds in helping clients achieve their dreams of homeownership, highlighting the emotional aspect of his work. On Transitioning from Transactions to Community:"It sounds like you've gotten away from a transactional business to a community-building business."Leonard discusses how his focus shifted from merely closing deals to forming meaningful connections with clients, which has become the heart of his approach. On the Impact of Social Media:"I'd say about 22% of my business comes from social media. I look at my metrics report every morning... Social media allows me to communicate in a language that the next generation understands."Leonard highlights the measurable success of his social media efforts and how it has helped him reach a broader audience, especially younger homebuyers. Call to Action:Follow Laugh, Lend, & Eat for more insightful conversations with industry leaders. Connect with Leonard Pollard and Movement Mortgage to learn more about how they are transforming the mortgage experience. Stay tuned for more episodes that dive into the latest industry trends and personal stories from the mortgage world!

In this episode of Laugh, Lend, & Eat, we're live from NAMMBA Connect '24 in Orlando, and we have an inspiring conversation with Harold Delcham, CEO and founder of Opportunity Mortgage Group. Harold shares the challenges and triumphs of starting his own mortgage brokerage just four months ago, and how NAMMBA played a crucial role in inspiring him to take the leap. With over 18 years of experience in the mortgage industry, Harold's story is one of ambition, community, and the courage to chase your dreams. Key Themes: Taking the Leap into Entrepreneurship: Harold reflects on the journey of founding his own mortgage company and how important it was to overcome self-doubt and just get started. The Power of Community and Representation: He shares how attending NAMMBA for the first time last year inspired him by seeing other minority-owned businesses and how that community empowered him to make his dream a reality. Looking Ahead in the Mortgage Industry: Harold discusses the importance of embracing technology and positioning his company to succeed in the evolving mortgage landscape. Quotes from Harold's Journey: On Overcoming Fear and Taking Action: "It was kinda always on my mind to become a mortgage broker, start a mortgage company... But I was always scared, like when's the right time?... But coming out to Namba, and I just saw so many people looking like me that were owners... So I left with that energy, like, 'Man, you really gotta do your own thing.' And here I am four months ago, started my own company." This quote highlights Harold's pivotal moment of inspiration and how NAMMBA gave him the confidence to start Opportunity Mortgage Group. On the Challenges of Starting a Business: "The hardest part is really me... Just overcoming the thoughts. You could easily go just be a part of that team and they'll make the same money. Why are you doing this? So it's really just me getting out of myself and overcoming the thoughts that try to stop me from doing this." Harold reflects on the internal battles entrepreneurs often face when starting something new, illustrating that the hardest barriers are often mental. On the Future of the Mortgage Industry: "I think technology is probably gonna be the biggest impact on the mortgage industry... So I'm trying to learn as much as I can, build the brokerage up enough so that I can grasp and get some of this technology that's gonna help me communicate better with the borrowers in the future." Harold sees technology as key to the future of the mortgage industry and is determined to incorporate it into his business to stay competitive and better serve clients. Call to Action: Follow Laugh, Lend, & Eat for more inspiring episodes from leaders in the mortgage and finance industries. Connect with Harold Delcham and Opportunity Mortgage Group to learn how his company is providing new opportunities in the mortgage space. Stay tuned for more discussions about the future of the industry and the entrepreneurs who are shaping it!

In this exciting episode of Laugh, Lend, & Eat, we're live at NAMMBA Connect '24 in Orlando, Florida. Our co-host Joe Wilson from SocialCoach and I sit down with Liz Short, CEO of Short Solutions, to discuss her impressive career in the mortgage industry, her passion for solving complex problems, and how technology is changing the game for mortgage companies. Liz shares her insights on adapting to new industry challenges and the importance of scaling in today's fast-paced world. Key Themes: Navigating the Evolving Mortgage Industry: Liz shares her 20+ years of experience and the lessons learned from seeing the mortgage industry shift, especially with the rapid adoption of technology. Scaling for Success: Liz emphasizes the importance of scaling not just businesses but individuals, to stay competitive in an ever-changing market. Embracing Technology: We dive deep into how mortgage companies must embrace new technologies to stay ahead and how those who resist might struggle to keep up. Quotes from Liz's Journey: On Specializing in Problem-Solving:"I do it for all, but my background is mortgage specific. I have over 20 years in the mortgage industry. In almost all facets. And so I'm putting that to work, helping companies solve the complex problems that they have today."Liz reflects on how her extensive experience in the mortgage industry positioned her to offer tailored solutions to complex problems, driving her success as the CEO of Short Solutions. On the Importance of Scaling:"I think technology, either for an individual or a company, really gets down to the ability to scale. Sure. You can remember things. We can all only remember so many things in your head. Sure. You can do everything at a company. We can only do so many things in a day."This quote shows Liz's understanding that scaling is crucial in both personal and professional growth, especially as technology continues to evolve. On Adapting to a Tech-Driven Future:"We now not only embrace technology, but have to have it, right? Up until this cycle, you really could get away with making it a little more manual... The new consumer expects the opportunity to have some sort of technology in their transaction."Liz highlights how the mortgage industry has shifted to become heavily reliant on technology, and companies need to adapt to meet consumer expectations. Call to Action: Follow Laugh, Lend, & Eat for more insightful episodes featuring industry leaders who are shaping the future of the mortgage and finance industries. Connect with Liz Short and Short Solutions on LinkedIn to discover how they can help your business solve complex challenges and scale for success in today's tech-driven world. Stay tuned for more discussions that dive deep into the industry's biggest trends and innovations!

In this episode of Laugh, Lend, and Eat, recorded live at NAMMBA Connect ‘24 in Orlando, FL, Fobby and Joe chat with Michelle Mendes, Account Executive for Arch Mortgage Insurance. Michelle, who was born in Venezuela and migrated to America as a child, shares her expertise in using social media to grow and engage with audiences. Known for her active presence on Instagram and other platforms, Michelle explains how mortgage professionals can leverage social media to build strong relationships, foster communities, and ultimately, drive business. She also discusses the differences between platforms like Instagram and Facebook and how loan officers can tailor their approach for maximum impact. Key Topics: The value of an engaged social media community versus focusing solely on follower count Why focusing on one or two key social media platforms is more effective than trying to be everywhere Strategies for using social media to start meaningful conversations and turn them into real-world connections Insights into how loan officers can best use Instagram, Facebook, and LinkedIn for their business Michelle's journey from Venezuela to the U.S. and her rise in the mortgage insurance industry Top 3 Notable Quotes from Michelle Mendes: "I honestly think the less the better, because you're fostering this community. If you have a smaller community and you have 10% of your following engaging with you, then Instagram starts boosting your stuff out of it, and then you get more and more connected with other networks."— Michelle emphasizes the importance of creating an engaged, tight-knit social media community. "It's important to have a presence in each of those platforms. However, I think doing less has been the key thing. You should kind of hone in on one or two platforms and really put all of your efforts into those."— Michelle shares her belief in focusing on fewer platforms to achieve better results. "You start getting questions about what you do, who you are, and who you do it for... The initial goal is to start a conversation. The ultimate goal is to take that relationship offline, meet in person, and that's where the real value comes in."— Michelle explains how social media should be used to build relationships that can eventually lead to in-person connections. Call to Action:Subscribe to Laugh, Lend, and Eat for more episodes with industry leaders like Michelle Mendes, sharing insights on how to grow your mortgage business. Connect with Michelle to learn more about her social media strategies and her work in mortgage insurance. Host: Fobby NaghmiCo-host: Joe Wilson, SocialCoachGuest: Michelle Mendes, Account Executive, Arch Mortgage Insurance

In this episode of Laugh, Lend, and Eat, recorded live at NAMMBA Connect ‘24 in Orlando, FL, Fobby and Joe sit down with Lindsey Myers, Chief Growth Officer for Concourse Land Transfer, LLC. Lindsey shares her unique perspective as a fourth-generation professional in the real estate and mortgage industry. With a rich family legacy spanning decades, Lindsey offers valuable insights into her journey, her role in the modern mortgage world, and the lessons she's learned growing up in an industry that's always been a part of her life. Key Topics: Lindsey's experience as a fourth-generation mortgage professional The evolving role of technology in the real estate and mortgage industry The importance of building relationships and staying adaptable in a changing market How Lindsey leverages her family legacy to drive innovation and growth Strategies for following up and differentiating yourself as a mortgage professional Top 3 Notable Quotes Highlighting Lindsey's Legacy: "It started with my grandpa, my father, myself... I was licking envelopes at six, eight years old, sending out rate cards."— Lindsey reflects on her early exposure to the mortgage industry, showcasing how deeply ingrained real estate and mortgage have been in her family for generations. "My grandpa, Don Springer, and my dad, Brad Springer, developed one of the first licensed mortgage companies in the nation, in Illinois, since 001."— Lindsey shares the pioneering legacy of her family in the mortgage industry, highlighting the trailblazing work of her grandfather and father. "I always knew I wanted to be like my dad, my grandpa, and my family, but I didn't really know what that meant until later."— This quote shows Lindsey's aspiration to continue the family tradition, even as she developed her own understanding of the industry. Call to Action:Follow Laugh, Lend, and Eat for more inspiring episodes with industry leaders. Connect with Lindsey Myers to learn more about her insights on leadership and growth in real estate and mortgage. Host: Fobby Naghmi Co-host: Joe Wilson, SocialCoach Guest: Lindsey Myers, Chief Growth Officer, Concourse Land Transfer, LLC

In this episode of Laugh, Lend, and Eat, recorded live at NAMMBA Connect ‘24 in Orlando, FL, Fobby and Joe sit down with Laura Aguiar Diaz, the Regional Marketing Director for Guild Mortgage. Laura shares her marketing expertise, offering actionable advice on how mortgage professionals can effectively market themselves and their businesses. From building a personal brand to setting realistic goals, Laura's perspective is a must-hear for anyone looking to elevate their presence in the mortgage industry. Key Topics: Laura's approach to building a strong personal brand in the mortgage industry How loan officers can set realistic marketing goals The importance of stepping out of your comfort zone to achieve success Strategies for using social media in mortgage marketing Overcoming doubts and taking action in your marketing efforts Top 3 Notable Quotes Highlighting Laura's Marketing Skills: "At the end of the day, you're the product. It doesn't matter what company you work with or what you're sailing under. It's you they want to work with. It's you they call. It's you they refer."— Laura emphasizes the importance of personal branding and how loan officers should market themselves as the key to their success. "Be very realistic with your goals. Don't just say, 'I want to be famous on the internet.' Unless you're doing something insane, that's not realistic. Be reasonable with yourself and plan accordingly."— Laura advises loan officers to set achievable marketing goals and focus on consistency over viral fame. "It's a secret that isn't a secret, but nobody really cares. Nobody cares. Say the thing, do the educational video, be a resource in your community. It's just you that's stuck in your head."— Laura offers a powerful reminder to get out of your own way and just start creating content, even if it feels uncomfortable. Call to Action:Follow Laugh, Lend, and Eat for more expert insights from industry leaders. Connect with Laura Aguiar Diaz to learn more about how she helps mortgage professionals elevate their marketing game.