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.

In this episode of the Loan Officer Breakfast Club, we’re giving away something every LO needs — a free ChatGPT prompt that automatically writes your weekly newsletter email. It’s tailored for loan officers and built to save you time while keeping your audience engaged with smart, relevant content.

No more struggling to figure out what to say or how to say it. Just plug in the prompt and let AI generate a polished, on-brand email you can send to your list every week.

Want the prompt? We’ve got you covered. Click here to access it: https://www.facebook.com/share/p/1FHtVgPrSM/

In this episode of the Loan Officer Breakfast Club, Owen Lee unpacks the buzz around the newly approved VantageScore 4.0 and what it really means for the mortgage industry. While Fannie and Freddie have greenlit its use without requiring new infrastructure, Owen points out that this headline news comes with a ton of unanswered questions. From how LLPA grids will adapt, to AUS compatibility, to mortgage insurance pricing and correspondent lender adoption—nothing is clearly defined yet.

If you're a loan officer trying to understand how (and when) VantageScore might impact your daily work, this breakdown is essential viewing. Owen doesn't just report the change—he explains why the practical rollout is far more complex than the announcement makes it seem.

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

In this episode, Brandon Barnum of Raving Referrals reveals the two biggest reasons most loan officers don’t step up to do realtor presentations—despite knowing it’s a powerful way to grow their business. The first? They don’t have great, compelling content. The second? They don’t know how to fill the room. Brandon’s turnkey solution solves both problems—and the results speak for themselves.

If you’ve ever wanted to stand out, build instant trust with agents, and turn one event into a referral machine, this is the opportunity you’ve been waiting for. Visit http://ravingreferrals.com/trainer and use code LOBC for added perks when signing up to become a certified trainer.

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

In this episode, Carl White drops a game-changing mindset: “Our noise is someone else’s signal.” For loan officers, the noise is constant — emails, texts, file fires, and admin tasks that interrupt the real work of growing your pipeline.

But here’s the shift: what feels like a distraction to you might be exactly the kind of work someone else thrives on. The key is to either delegate the noise or handle it at the appropriate time — not during your protected prospecting hours, your signal time.

Want help structuring your day so your signal comes first? Book a time to go over “The Perfect Day” with us at http://dailysuccessplan.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

Joanne Johansen, affectionately dubbed the "Connecticut Crusher," just delivered back-to-back career-high months in loan closings—outside of the COVID refi boom. With 13 closings in both June and July, she’s projecting over $4.5 million in volume per month. Carl saw her burning desire. Steve recognized she made a clear decision to level up. And Frank pointed out something rare: Joanne is coachable—even after 30 years in the business.

What changed? Joanne shares it wasn’t about doing more of the same—it was about doing things she never did before: time-blocked prospecting, building a capable team, and following up relentlessly. Whether you’re stuck at a few closings a month or looking to break through a plateau, her story gives you a roadmap.

Need help putting this into action? We’ve got you covered at https://www.DailySuccessPlan.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