LIVE Zoom Meeting Access: https://www.BreakfastClubZoom.com
Free Strategy Call for Loan Officers: https://www.90DayMapout.com
Learn More About Us: https://www.MortgageMarketingAnimals.com

Artificial intelligence is moving fast — but the real opportunity for loan officers isn't chasing shiny new tech. It's using AI strategically to generate more referrals, close more loans, and streamline your daily process.

In this LO Breakfast Club episode, Chris Johnstone breaks down what actually matters right now in AI (and what doesn't). Instead of getting distracted by complicated tools like Claude Code or advanced AI automations, the focus is simple: use ChatGPT consistently to position yourself as the expert in your market.

You'll learn:

• Why ChatGPT usage can increase your chances of being recommended by AI
• How to structure conversations by loan type (VA, FHA, First-Time Buyer) to build authority
• How to turn refinance opportunities into an AI-powered calculator branded to YOU
• How AI improves your calling process so you can book more appointments in less time
• Real wins from loan officers using these strategies (including 16 appointments booked in one day)

The bottom line? AI isn't replacing loan officers — it's amplifying the ones who use it correctly. If you want more referrals, more efficiency, and more leverage in 2026, this episode shows you how.

LIVE Zoom Meeting Access: https://www.BreakfastClubZoom.com
Free Strategy Call for Loan Officers: https://www.90DayMapout.com
Learn More About Us: https://www.MortgageMarketingAnimals.com

Mortgage rates are now sitting at the best levels we've seen in three and a half years — and the impact is already showing up in the numbers.

In this episode of Loan Officer Breakfast Club, Owen Lee breaks down why applications are spiking the moment rates touch 6%, why Fannie Mae is forecasting refinances to make up 45% of Q1 volume, and why this could be the strongest market opportunity we've had since 2021.

Even more importantly, this isn't theoretical. One LO pulled four refinances in a single Call Stars Blitz session — three contracts already in, one more on the way. That's a $20,000 afternoon.

If you're still waiting on purchases alone, you're missing the low-hanging fruit. Between lower rates, rising inventory, improving affordability, and potential FHA/MIP changes on the horizon this is a window — and windows close.

This is not the market to sit back in. It's the market to press.

LIVE Zoom Meeting Access: https://www.BreakfastClubZoom.com
Free Strategy Call for Loan Officers: https://www.90DayMapout.com
Learn More About Us: https://www.MortgageMarketingAnimals.com

If you've got a loyal agent sending you "tons of leads" but none of them are closing, this episode is for you.

On today's Loan Officer Breakfast Club, we tackled a frustrating scenario: you like the agent, they're consistent, but every deal falls apart—usually due to credit issues or poor follow-through. Instead of guessing or quietly resenting the situation, the group broke down a smarter approach.

The big breakthrough? Non-conversion is a symptom, not the problem.

Carl White introduced a simple but powerful framework to diagnose what's really happening.

For every agent relationship, track five numbers:

• Leads received
• Conversations ("talk-tos")
• Credit reviews
• Pre-approvals
• Closings

When you measure each stage, you can pinpoint the real issue: bad handoff, weak scripting, poor lead quality, lack of follow-up, or a flawed lead source. Instead of cutting off the agent—or blindly hoping things improve—you bring data to the conversation and elevate the partnership.

The group also shared tactical strategies to increase conversion immediately:

• Require three-way text introductions to ensure true referrals
• Use booking links (like Calendly) and train agents to schedule appointments directly
• Report conversion metrics back to agents to position yourself as a business advisor, not just a lender
• Stop asking for "tough deals" unless you want to become the tough-deal lender

If you want to grow your production without buying more leads or chasing new agents, this episode shows you how to convert more of what you're already getting and how to have the business conversation most loan officers avoid.