The Loan Officer Podcast
Dustin Owen
This show makes the boring FUN! Imagine if Joe Rogan and Dave Ramsey had a baby. That’s this show! These guys teach the sh*t they don’t teach in school. Their goal is to simplify topics that range from personal finance, purchasing real estate & obtaining home loans to being a successful mortgage originator, running a business and finding success as a sales professional.
The mission is simple; to invite you into the room where it happens. They strive to teach you how to create opportunities even when it can be a struggle to get your foot in the door. While there is a lot of content geared specifically towards mortgage professionals, the majority of the episodes will resonate will all audience members. (Not just mortgage lenders!)
D.O. (Dustin Owen) is the creator & host. He is a 20+ year veteran of the mortgage industry, a real estate investor, business coach and angel investor. J.C. (John Coleman) is the co-host / producer of the show. J.C. has 15+ years’ experience as an Emmy Award-Winning Content Creator & Marketer.
The mission is simple; to invite you into the room where it happens. They strive to teach you how to create opportunities even when it can be a struggle to get your foot in the door. While there is a lot of content geared specifically towards mortgage professionals, the majority of the episodes will resonate will all audience members. (Not just mortgage lenders!)
D.O. (Dustin Owen) is the creator & host. He is a 20+ year veteran of the mortgage industry, a real estate investor, business coach and angel investor. J.C. (John Coleman) is the co-host / producer of the show. J.C. has 15+ years’ experience as an Emmy Award-Winning Content Creator & Marketer.
Episodes
Mentioned books
Mar 7, 2023 • 42min
Episode 312: The Relationship Between Realtors and Mortgage Lenders
D.O. takes a deep dive and explores how Realtors and loan officers work together. He also explains the truth behind what homebuyers should know about who is responsible for getting your loan closed properly and on time.
www.TLOPonline.com for MORE CONTENT!
Mar 3, 2023 • 31min
Episode 311: VA and FHA Home Loans Just Got Cheaper
Change is afoot in the mortgage industry. Recently, the VA announced that they are their funding fee and FHA is lowering their monthly mortgage insurance.
This will save active duty and eligible military veterans hundreds to thousands of dollars on their mortgage loan amount. It will save the average FHA borrower $75-$100 per month.
www.TLOPonline.com for MORE CONTENT!
Feb 28, 2023 • 39min
Episode 310: The Power Of The Right Offer
Homebuyers, Realtors and loan officers listen up. This episode will save you thousands. There are three types of offers one can make and get accepted by a seller.
There’s the risk-free offer. There’s the over-the-top-so-I-have-to-accept offer. And then, there’s the offer that is just right. Working with a lender who helps you structure the ‘just right offer’ can save you $5k-$10k in purchase price. Even if that lender charges $3k more in fees or has an interest rate that is .25% higher - this lender still saves you money overall. Tune in take, notes and be pass it along.
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Feb 24, 2023 • 38min
Episode 309: 5 Lessons to Learn From CEOs
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In this episode, D.O. shares some of the best insights, mindsets and practices that he's picked up from top leaders from across the mortgage industry.
Feb 21, 2023 • 34min
Episode 308: When To Hire A Coach
Don’t go at it alone. When studying the most successful people in life and in business, it is learned that the highly successful invest in themselves. Sometimes you’re paying for access and other times you’re paying for accountability.
Sometimes you’re paying for prospective, and other times you’re paying for innovation. None the less, if you’re serious about who you are, what you do and/or the results you receive - know that investing in yourself is a non-negotiable.
www.TLOPonline.com for MORE CONTENT!
Feb 17, 2023 • 44min
Episode 307: How Do Realtors Get Paid?
This episode benefits homebuyers and mortgage loan originators. Too many times, homebuyers don’t understand exactly how a real estate agent is compensated. This lack of understanding clouds their judgment on when and how to hire a Realtor.
For MLOs, fully understanding a Realtor’s business and how they’re compensated will only make you a better professional. Lastly, if you’re considering a career in real estate - this is for you was well.
www.TLOPonline.com for MORE CONTENT!
Feb 14, 2023 • 41min
Episode 306: Prepare For The Chaos
The storm that presented itself in 2022 will push through by mid-year 2023. However, there’s still more damage to be inflicted. Currently, in the mortgage secondary markets, there’s a high probability of mortgage servicing rights (MSRs) flooding the market.
When this happens, there will be a gluttony of supply with only a limited amount of demand. On the surface level, this will make the pricing on Newley originated home loans less attractive.
More concerning is how this dumping of MSRs will impact certain mortgage banks balance sheets. Could this be what drives many more out of business or forces them to merge? Only time will tell, the odds are against a good number of mortgage companies.
www.TLOPonline.com for MORE CONTENT!
Feb 10, 2023 • 32min
Episode 305: 5 Proven Strategies to Make This Year Your Best
D.O. goes off! This is a must watch & listen episode for anyone who’s serious about living their best life.
He discusses the best ROI, being dumb, earning money, networking, and patterns. After you’re done consuming this episode, make sure you forward this to three people you care about.
www.TLOPonline.com for MORE CONTENT!
Feb 7, 2023 • 34min
Episode 304: Mortgage Qualification Just Got Harder
Recent announcements from the government sponsored entities (GSE) now penalize qualified homebuyers who’s debt-to-income ratio (DTI) exceeds 40%.
Many times, a final DTI is unknown until days before the scheduled closing date. Meaning, the locked in or quoted interest rate may not be accurate.
Additionally, the automated underwriting software used in the majority of conventional conforming home loans is being adjusted to where the results are expected to limit the number of approvals granted.
www.TLOPonline.com for MORE CONTENT!
Feb 3, 2023 • 44min
Episode 303: Quit Dating Your Career
On this episode, Coach Bobby Franchise stops by the TLOP Headquarters to talk all things personal development, sales coaching, real estate and real estate investing with D.O.
Bobby’s personal story and career successes teaches that anything is possible for those who learn to stay in line.
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