467. It’s Not Hard: The Simple Formula for Daily Growth in Your Mortgage Business
Release Date: 12/03/2025
474. Clarity Wins: How to Lead with Data in Today’s Market
Loan Officer Leadership
In this episode, Steve Kyles and Frank Garay break down why now is the time for loan officers and agents to lead with clarity—not fear. With rates at multi-year lows, improving inventory, and powerful buyer advantages in play, the opportunity to help clients take action has never been greater. What you’ll hear: How to handle objections about waiting for rates or prices to drop The truth about why rates really fell in the past—and why it’s not happening again Simple data points and slides you can use to lead agents and buyers with confidence Why clarity always beats emotion—and...
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473. 3 Buyer Mistakes Agents Can’t Afford to Ignore in 2026
Loan Officer Leadership
Buyers are sitting on the fence… and it’s costing them. In this episode, Steve Kyles breaks down 3 of the biggest buyer misconceptions agents are hearing in today’s market, and how to respond with clarity and data that inspires action. You'll walk away with: • 3 proven talking points that help buyers stop waiting and start moving • How to turn emotional objections into data-backed decisions • Real examples of agents reviving cold leads using these exact strategies Want help equipping your agents with these tools? Book a free call at
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472. The List You’re Ignoring Is Your Fastest Path to Deals
Loan Officer Leadership
If you’re a new loan officer, or an experienced one who needs a reboot, this episode is a wake-up call. After a powerful Breakfast Club conversation, Steve and Frank break down why the biggest obstacle most loan officers face isn’t skill, scripts, or strategy… it’s believing they don’t have anyone to call. The truth? Your best list is already in your phone. In this episode, you’ll learn: Why “better known beats better” in today’s market How your phone contacts can replace cold calling entirely Simple conversation starters to wake up dormant relationships How to...
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471. Start, Stop, Keep: The Reset You Need to Win This Year
Loan Officer Leadership
It’s the first week of the year, and that means it's time for a reset. In this episode, Steve and Frank unpack the “Start, Stop, Keep” framework to help you identify what’s really moving the needle, and what’s getting in the way. What you’ll hear: Why social media “success” often distracts from real production The 9-hour weekly activity that led to one closing in 6 months How to identify your top 3 game-changing behaviors for 2026 A simple way to reset your focus using your last 10 loans Why consuming content isn't the same as creating impact Start strong. Cut the...
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470. Worth Doing Badly: Why Action Beats Preparation Every Time
Loan Officer Leadership
If you’ve ever caught yourself waiting for things to be “just right” before taking action… this episode is for you. Steve Kyles shares how a small, imperfect email list grew from 200 to 14,000, how phone calls (even the bad ones) are moving the needle, and why messy action always beats perfect planning. Here’s what you’ll hear: The mindset shift that helped Steve go from stuck to scaling fast Why clarity comes after action, not before The myth of needing “the right script” before you start How new loan officers like Paulina are winning big by simply doing the work ...
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The Refinance Window Is Open. Are You Calling Your Past Clients?
Loan Officer Leadership
It’s happening: refinance conversations are back—and your past clients are already getting calls… just not always from you. In this episode, Steve Kyles breaks down how he’s locking in refis right now and the exact scripts, strategy, and segmentation that are generating apps today. You'll learn: How to build your refi-ready list fast (even if you think rates are too high) Why 5.9%–6.25% rates are working—and what to say to past clients sitting at 6.9%+ The 4-touch method Steve is using to drive fast conversations and applications If you're not actively working your refi...
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468. The Secret Power of Tuesday Updates (and Why Most LOs Miss It)
Loan Officer Leadership
What if your easiest calls could become your biggest money-makers? In this episode, Steve Kyles breaks down how one simple strategy, called Just Ask Tuesday Updates, turned a single agent relationship into three closed deals in 30 days… beating out two top competitors. You’ll hear the real-world story, the exact script, and how to use it in your business starting today. You’ll learn: Why Tuesday updates are a Trojan horse for high-trust referrals How to turn one transaction into six powerful conversations What most LOs get wrong about updates (and how to fix it) How to stand out...
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467. It’s Not Hard: The Simple Formula for Daily Growth in Your Mortgage Business
Loan Officer Leadership
Feeling stuck or overcomplicating your business? In this episode, Steve Kyles and Frank Garay break down what’s actually working right now… and why building a consistent, simple system is all you need to succeed. Here’s what you’ll learn: • The 4 things every loan officer must have (hint: you already do) • How to build momentum with email, calls, and social… even if you're new • Real-life examples of what to say, send, and post • How to "stir the pot" daily to unlock new deals and referrals • Why the call is still the glue (and how to leave voicemails that convert) You...
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466. The Million Dollar Formula: Why Offers = Closings
Loan Officer Leadership
Loan officers aren’t struggling from lack of activity… they’re struggling because they’re skipping the most important step: making the offer. In this high-impact episode of the Loan Officer Leadership Podcast, Steve Kyles and Frank Garay break down the Million Dollar Formula that turns conversations into closings: Here’s what you’ll learn: The 3 core groups you should be asking for business (and how) 9 repeatable, scalable ways to make effective offers Word-for-word scripts for emails, texts, and calls How to increase referrals without sounding “salesy” The mindset...
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465. The 3 Things Every Realtor Wants from Their Loan Officer
Loan Officer Leadership
Loan officers often overcomplicate success: chasing new tools, CRMs, and shiny widgets… when the truth is, winning with agents comes down to just three things. In this episode of the Loan Officer Leadership Podcast, Steve Kyles and Frank Garay reveal the simple, proven formula that will win you business and build long-term trust with qualified agents. You’ll learn: The three things every agent truly wants from their lender How to remove chaos and become their competitive advantage Why consistency beats every marketing trick in the book How to turn communication and follow-up into...
info_outlineFeeling stuck or overcomplicating your business? In this episode, Steve Kyles and Frank Garay break down what’s actually working right now… and why building a consistent, simple system is all you need to succeed.
Here’s what you’ll learn:
• The 4 things every loan officer must have (hint: you already do)
• How to build momentum with email, calls, and social… even if you're new
• Real-life examples of what to say, send, and post
• How to "stir the pot" daily to unlock new deals and referrals
• Why the call is still the glue (and how to leave voicemails that convert)
You don’t need a new idea. You need to take daily action.
Start with what you have. Stick to the basics. Stir the pot.
Need help building your exact plan?
Book a free strategy session at FreedomPlanningCall.com