In this week’s compelling episode of The MikedUp Show, hosts Mike Kelleher and Michael Zau welcome Stephen Moye, Senior Loan Officer and Sales Manager at New American Funding. Stephen’s accolades speak for themselves: 2022 & 2024 President's Council Winner, Scotsman Guide Top Loan Originator for 2020, 2021, and 2022, and Mortgage Executive Magazine Top 1% Originators in America for three consecutive years. With a career spanning back to 1996 and over 3,800 families served, Stephen brings unparalleled expertise to the table, offering listeners a unique perspective on the mortgage industry’s future.

As we prepare to embrace 2025, Stephen shares an insider’s take on what lies ahead for loan originators, industry leaders, and homebuyers alike. Drawing from decades of experience, he breaks down the evolving landscape of mortgage lending and explores how originators are empowered today to make better decisions and earn the rewards they deserve. Stephen emphasizes the critical importance of being a servant to the industry and highlights how collaboration, mentorship, and community-building are shaping the future of mortgage banking.

Stephen candidly admits that, as an "old-school person," he’s had to adapt to significant industry shifts—and he’s done so with grace and innovation. He discusses the "new NIL landscape," where loan originators have opportunities akin to those offered in collegiate NIL programs. It’s a game-changing era, where industry professionals are encouraged to focus not only on numbers but also on fostering meaningful relationships with colleagues and clients. This is a show about transforming mindsets, embracing leadership roles, and cultivating an ethos of service to others.

The conversation delves deep into the core principles that drive success in mortgage lending. Stephen reminds us that the ultimate goal is to help families achieve the American Dream, whether it’s through purchasing a $150,000 manufactured home or a $1.5 million property. “Never lose sight,” he says, “that these are families whose lives you’re changing.” His passion for helping people secure homes and build communities shines through in every word.

Beyond helping families, Stephen touches on the broader ripple effects of our actions as industry professionals. From inspiring colleagues to fostering innovation across organizations, he believes in the power of servant leadership to create a lasting impact. As Mike and Michael summarize, it’s about asking, “What’s in it for everyone else?” rather than, “What’s in it for me?”

Whether you’re a seasoned mortgage professional, a new loan originator, or someone looking to better understand the dynamics of the industry, this episode is packed with invaluable takeaways. Stephen Moye offers a refreshingly honest and optimistic perspective on where the mortgage industry is headed. As he puts it, “This is an industry with a bright, bright future ahead.”

Tune in now to hear more about Stephen’s journey, his vision for 2025, and how he continues to lead with integrity and purpose. Don’t miss this inspiring and insightful conversation

Welcome to an exciting new episode of The MikedUp Show, where your hosts, Mike Kelleher and Michael Zau, dive into their bold predictions and strategic insights for 2025. As we close out 2024 and prepare for a new year of opportunities, this episode is your ultimate guide to staying ahead in the fast-paced mortgage and real estate industries.

What will 2025 bring? Mike and Michael explore the future of the mortgage market, discussing where rates might go, the key factors shaping the industry, and how companies can adapt to stay competitive. From understanding market trends to planning for where the puck is heading, this is a deep dive into everything you need to know to future-proof your business in the year ahead.

One of the major themes of 2025 will be the digital revolution. The hosts share insights on how technology will transform the way loan officers connect with clients, with a strong emphasis on the increasing shift toward apps and digital platforms. They also discuss how personal branding and digital marketing can help loan officers stand out from the crowd, build stronger client relationships, and position themselves as industry leaders.

AI is another hot topic in this episode. Discover how artificial intelligence can revolutionize the way you find leads, warm up inboxes, and automate processes to save time and increase efficiency. Mike and Michael break down how leveraging AI tools can give you a competitive edge and help you stay on top of the latest technological advances.

The episode also highlights the importance of making personal connections with clients in a digital-first world. With everyone relying on technology, the human touch will become an even more valuable asset. Learn practical strategies to foster trust and loyalty with your clients, ensuring you remain their first choice in a crowded market.

Another key discussion point is the Fix and Flip Program. The hosts explain what this product is, how it works, and why it presents a unique opportunity for independent mortgage banks (IMBs). Whether you’re looking to introduce Fix and Flip to your product offerings or expand its reach to new markets, Mike and Michael provide actionable tips to help you maximize this program’s potential.

Packed with valuable insights, actionable strategies, and forward-thinking predictions, this episode is a must-listen for anyone looking to thrive in 2025. Tune in now to get a head start on the new year and ensure your success in an ever-evolving industry!

In this engaging episode of The MikedUp Show, hosts Mike Kelleher and Michael Zau sit down with Eddy Perez, CMB, CEO and co-founder of Equity Prime Mortgage (EPM), to explore powerful insights into leadership, growth, and embracing change in the mortgage industry. Eddy Perez brings his expertise, passion, and visionary approach to this candid discussion, highlighting what it takes to succeed in an ever-evolving market.

The conversation kicks off with a unique metaphor—Rudolph the Red-Nosed Reindeer. Eddy challenges mortgage professionals to break free from "playing reindeer games" and to embrace their individuality and leadership potential. Using this analogy, the discussion delves into the importance of standing out, focusing on strengths, and maintaining gratitude during times of discomfort.

Eddy shares his journey of building EPM into one of the largest and most respected mortgage companies in the country. With a steadfast focus on the TPO (Third Party Origination) channel, Eddy emphasizes the value of commitment, consistency, and long-term vision. Drawing inspiration from athletes like Usain Bolt, he reminds listeners that success is the result of years of focused effort, not overnight results.

Listeners will gain valuable insights into the power of gratitude as a driving force for change. Eddy explains how adopting a mindset of gratitude—especially for challenges and discomfort—creates opportunities for personal and professional growth. The episode underscores the importance of being honest with oneself, embracing reality checks, and taking ownership of one's journey.

Eddy's empathetic leadership style, rooted in his experience as a former loan officer, shines through as he discusses how leaders can motivate and support their teams. He encourages mortgage professionals to lean into video marketing as a vital tool for success in 2025, emphasizing the importance of consistency and authenticity in building trust with clients and partners.

As the year comes to a close, Eddy reminds listeners to take advantage of the holiday season to reflect, recharge, and prepare for the challenges and opportunities ahead. He leaves the audience with a motivating message: by committing to growth, gratitude, and consistent effort in 2025, you’ll set yourself up for a successful and transformative year in 2026.

Tune in to this inspiring and thought-provoking episode to learn from one of the mortgage industry’s most influential leaders. Eddy Perez’s wisdom, passion, and actionable advice will leave you energized and ready to level up your game in 2025.