In this episode of the Loan Officer Breakfast Club, Brett Reichel from Community Wholesale Lending introduces a DPA program that’s rewriting the rules—and giving loan officers a serious tool to win more deals.

The Community Home 100 program offers down payment assistance with no income restrictions, no first-time homebuyer requirement, and approvals down to a 600 FICO. It even allows duplex purchases and non-occupant co borrowers. Plus, loan officers can get paid via lender-paid comp—no fees pulled from the assistance.

If you’re in one of the 19+ states where this program is offered, this is a golden opportunity to help more buyers and grow your pipeline.

Learn more at: http://DPA100.com/

LIVE Zoom Meeting Access: https://www.BreakfastClubZoom.com

Free Strategy Call for Loan Officers: https://www.MortgageTrainingCall.com

Learn More About Us: https://www.MortgageMarketingAnimals.com

On today’s Loan Officer Breakfast Club, the team dropped a powerful free tool: a downloadable list of 29 compelling reasons to refinance—a must-have resource for sparking client conversations and building your refi pipeline.

If your business is too purchase-heavy or you’re struggling to get refis going, this list shows exactly how to shift the balance. Best part? You can download it now at LOBCGiveaway.com.

And it gets even better—Chris Johnstone shared an exclusive link with a full refinance email campaign you can plug directly into your CRM. Grab that at https://loanofficercrm.ai/refinance-launch/

If you want more refi business, this episode is your playbook.

Everyone thinks refis are dead... but the data says otherwise. On today’s episode of the Loan Officer Breakfast Club, Frank dropped a stat that stunned the room: the national purchase-to-refinance ratio is currently 60/40. That means 40% of funded loans right now are refis—and most loan officers are missing the opportunity.

We dug into the surprising reasons people are refinancing today (hint: it's not just for rate), why rate-and-term is dominating over cash-out, and how to uncover these hidden deals sitting right in your database. We also shared specific messaging strategies and a CRM approach to get those conversations started.

If you're looking to balance your pipeline and tap into the overlooked refi market, this episode is your playbook.