The LOS That’s Taking Over — PreApp1003 with Dru Brents
Release Date: 06/12/2025
How AI is Secretly Replacing Google – And What Smart Loan Officers Are Doing About It
Mortgage Loan Officer Podcast
Episode 184 In this eye-opening episode of the Mortgage Loan Officer Podcast, Frank Garay welcomes AI strategist Chris Johnstone to unpack a game-changing shift in how consumers find mortgage professionals—and how loan officers can get ahead of it. Chris shares jaw-dropping insights into how AI, especially ChatGPT, is beginning to replace traditional search engines like Google in recommending local lenders. He explains how social conversations on platforms like Facebook and Reddit—not just Google reviews—are now driving AI referrals. You’ll learn how to position your business to be...
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8 Points: A Straightforward Referral Path to Additional LO Income
Mortgage Loan Officer Podcast
Episode 183 In today’s episode, I interview Megan Pavone of ARF Financial, who walks us through a simple, compliant way for Loan Officers to earn referral income by connecting business owners with unsecured working-capital loans. These loans have no real estate component, require no licensing, and can be referred nationwide. When your referral funds, you earn 8 points total — with 4 points paid at closing and the other 4 paid out monthly over the following year. If you're looking to add a straightforward income stream outside the mortgage lane, this conversation will help you...
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From Awkward to Effortless: Mastering the Commercial Loan Handoff
Mortgage Loan Officer Podcast
Episode 182 In this episode, Frank sits down with Kelly Dutton of One Click Commercial Funding—one of the most dependable referral partners for residential originators who don’t venture into commercial or SBA lending. If you’ve ever hesitated to pass off a deal because you weren’t sure how to do it without losing the client (or the relationship), this conversation is going to feel like oxygen. Most loan officers make the handoff harder than it needs to be. Frank breaks down the simple, repeatable approach he uses—along with strategies used by other successful LOs—that keeps...
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Jimmy Finance – The Musicians Lender
Mortgage Loan Officer Podcast
Episode 181 In this episode, I sit down with Jimmy Finance, a loan professional who decided he wanted to serve musicians… and then actually did it. Jimmy shares how he carved out a specialty most people wouldn’t even think to pursue—from his first musician client to working with famous artists and performers featured on major late-night shows. His story is packed with insight, motivation, and some behind-the-scenes moments that will make you grin. If you’ve ever thought about building a niche business—or wondered how far a bold idea can take you—Jimmy’s journey might be...
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From Banker to Broker: Shannon Hoff’s 20-Year Mortgage Shift
Mortgage Loan Officer Podcast
Episode 180 In this episode, I sit down with Shannon Hoff, a seasoned mortgage pro who just made a career move that many loan officers quietly think about but rarely act on: shifting from mortgage banker to mortgage broker. Shannon spent 20 years on the banking side, working with only six companies over two decades — and two of those closed their doors. In an industry known for turnover, her track record of stability is rare. That’s exactly why her decision to make the switch is such a powerful story. We dig into: What finally pushed her to explore the broker world The biggest...
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How Linkybot Landed Me 12 Appointments & a Loan in 3 Weeks with Casey O’Toole
Mortgage Loan Officer Podcast
Episode 179 I sat down with Casey O’Toole, founder of Linkybot, and… let’s be honest, I went off. After what Linkybot has pulled off for me, can you blame me? Here’s what’s happened in just 3 weeks: 12 booked appointments One loan already closed Direct access to high-level CEOs and industry leaders New relationships that are paving the way for massive opportunities This conversation dives into why Linkybot is a genuine game changer and how it’s reshaping the way I create meaningful connections. Try Linkybot: Code: LOBC for 20% off Looking for Construction or Fix &...
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Book Club with Jon Tober
Mortgage Loan Officer Podcast
Episode 178 In this episode, I sit down with San Antonio loan officer Jon Tober, who grew his production by 35% simply by running a weekly book club for real estate agents. He shares the full playbook: what works, what doesn’t, and how you can start a book club that strengthens relationships, builds authority, and creates consistent referral flow. You’ll learn: How Jon launched his book club The format he uses to keep engagement high The key takeaways from 12 months of hosting Practical steps to start your own agent book club A simple idea, executed consistently — and the...
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From Van Life to Spain: Megan Anderson’s Journey of Clarity, Courage, and Reinvention (Part 3)
Mortgage Loan Officer Podcast
Episode 177 In this powerful conclusion to our 3-part series, Megan Anderson—formerly of MBS Highway—shares what she discovered after spending a full year living life on the road in a van. Now living in Spain and working on her first book, Megan opens up about the internal shifts that came from stepping away from comfort and diving headfirst into the unknown. This episode is packed with the kind of insight you only get from doing something radically different. We talk about: What van life taught her about identity, ambition, and letting go Why Spain became her next chapter—and...
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The Shift with Chris Johnstone – The Future of ChatGPT within the Loan Business
Mortgage Loan Officer Podcast
Episode 176 In this game-changing episode, Chris Johnstone from LoanOfficerCRM.ai breaks down how AI is completely reshaping the mortgage industry—and what loan officers can do right now to stay ahead. He shares real-world examples of how mortgage companies are already getting live referrals and even full loan applications directly from ChatGPT. Chris calls this the biggest technology shift we’ve ever seen—and if you move quickly, you can position yourself to benefit. Whether you’re an individual LO or managing a branch or region, this episode shows how you can start using AI tools...
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Barry Habib – The Future of Mortgage Rates, the Fed, and Massive Opportunities Ahead
Mortgage Loan Officer Podcast
Episode 175 In this powerhouse episode, I sit down with the one and only Barry Habib — market expert, founder of MBS Highway, and board member at Fannie Mae. Barry shares his expert insights on where mortgage rates are headed, what’s really driving the Fed’s decisions, and how these shifts will shape the housing and lending landscape. We also dive into Barry’s work at Fannie Mae, where he’s helping shape the future of housing finance, and his outlook on why today’s loan officers—those still standing—are perfectly positioned for massive success in the coming cycle. If...
info_outlineEpisode 157
Welcome to another epic episode of The Mortgage Loan Officer Podcast, with your host, Frank Garay.
In this episode, I sit down with my good friend and business partner, Dru Brents, co-founder of Broker Plus / PreApp1003, to talk about why thousands of brokers are making the move to this all-in-one platform.
We break down what makes PreApp1003 different—how it simplifies the mortgage process by combining your POS, LOS, CRM, e-sign, pricing engine, and marketing tools all under one roof. You’ll hear about their smart automation features, user-friendly mobile interface, and new enhancements to the borrower experience.
Enterprise pricing is available for all, whether you’re a one-person shop or a large team. You get the entire system for just $99 per month with a 12-month commitment. It’s not just affordable—it’s powerful, fast, and incredibly easy to use.
What you get:
- Point of sale with no usernames or passwords required
- Full LOS and CRM
- Built-in e-sign solution
- PPE powered by Lender Price
- Team member workflow automation
- Seamless mobile access and updated UI
- Video text messaging and marketing automation
If you're tired of stitching together multiple systems, this is the solution you've been looking for.
Visit https://preapp1003.com to learn more and see why so many brokers are making the switch.
This podcast is brought to you by the Mortgage Marketing Animals. Be sure to join us for the Loan Officer Breakfast Club—30 minutes of free loan officer coaching every weekday from 8:30 to 9:00 AM Eastern.
Visit http://LoanOfficerBreakfastClub.com to get started.
Schedule a one-on-one free coaching call, click here or visit DailySuccessPlan.com.