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I just switched up my Roth IRA to 50% SCHD, 25% SCHX, 25% SCHG, and my Roth 401k is 70% vanguard S&P 500 index, 20% vanguard growth index, and 10% vanguard international index. Seeking best possible ways to grow $350k into $1m+ before retirement in 3 years.

Amazing info as always

This is why the relationship you form with your client needs to be so strong they don't fold. When my clients get the calls they know what to say. I'm part of the family. Lender for Life.

This is as good as Gold. 🔥🪙

First. As always.

What? No love for Fairway? I mean #4 in Retail and #1 in JD Power Rankings!

I agree with your general premise of the servicers getting more aggressive, yes. But how has that been different from any other time? Their tactics are nothing new when you order payoffs, case numbers, etc. Same old game you have to deal with. Your stat that servicer refinance conversions will go from 20% to 80% is just plain not believable. A 300% increase for headset jockeys to ultimately convert? Not buying it. More? For sure. 300% more? Nah. What you say is more likely to happen if you are expecting your clients to call you to refi. Thats bad. There are two big things that can stem this tide; BRAND and PROCESS. If you have a strong personal brand that your clients see regularly, that will be an immense help to you. If you have a process from Lead to Legacy where your clients hear from you regularly after closing to check in on them, that is in your favor as well. One other thought I had when I heard this episode, just from my day to day practice talking to clients is the image and psyche that clients have for their servicer vs their Mortgage Professional. The servicer is who the client ultimately has to write the mortgage payment to. They hate that part. That's not the fun part, and they know it can change. There is no loyalty to them. I have never heard a client say "oh I really LOVE me some Mr. Cooper". No. If anything, you can always get a borrower to bash their servicer for something. The fun part is shopping for a home, getting pre-approved, winning the home, etc. And those feelings are associated with you the Mortgage Advisor, or they better be if you did your job. 😄 Its still a business of human connection at the end of the day. Work on your content, brand and process and you can increase your odds to get this repeat business.

DO gotta announce when he flying to UWM so I can pop out.

The hills have eyes all stars 😂😂😂

How crazy but so true.

Why line of credit over a HEL / cash out refi? HELOCS feel like the worst to hold a balance on and they’re not amortized

Spot on DO, as usual. Many originators don’t understand this - or are unwilling to accept.

brokers on top!!!

STRONG move DO ! Wishes you and the team the best of success. Been a TLOP'er from the beginning and happy to see this.

Dude what’s up with this guy, horrible attitude

Excellent and on par! 🔥

Would you recommend Mortgage Coach total Cost Analysis tool?

I'm already seeing this. The servicers are withholding the case number or payoff statement until they are solicited by their inside LO. You can beat or match their pricing, just make sure you have a good relationship with your borrower so they can show you their loan estimate.

Is servbank a big servicer?

Dustin and the TLOP team are doing it again. No matter the channel he is personally in, he brings in people from all around the industry to help all of us grow. Diversity baby.

Congrats on the move! Hope you build out an awesome operation!

I'm part of a brokerage that I feel has a great crack a being top 10 and striving to be the happiest home for MLOs. We're looking for more top MLOs to join. Any suggestions on reaching producers or any MLOs who want to make more money?

❤ two people I love as a broker! UWM and TLOP!!! 🙌🫶🏻

I’m one of those guys you mentioned that’s an LO part time. I have a family with bills so building my business and savings allows me to get a head start a little safer. One of these days I hope to meet you on your show!

Which CRM do you use, TLOP audience!

Is it cheating to give a thumbs up before I listen? I normally listen via a podcast in the car but this started and I can't wait until my next drive. Sorry to ruin your analytics by stopping at 2 minutes.

Digging it. Great interview and teasers. Always appreciate all of your efforts and content. 🔥❤‍🔥🔥

This episode is GOLD!

My man! Congrats and excited to have you on board!

That hat is Fire 🔥. Where can I get one?

I have a question on this. I will ask in the Live. 🙏🏾Ty as always🔥🔥

Excellent analysis!!!

I spat out my coffee @20:19. “What are Lawry’s?” LMAO…Cuz if you know, you Know!!! Shouts to you Dustin!!!!

This was such a great episode, even after a year in the mortgage industry I learned so much here. Thank you

“Switch jobs every 3 months for the bump in engagement.” 😂 Love you, JC!

John with the real no bs questions. lol. "no one cares" no we do. we want to know. lol

That’s awesome!

What is the cost for the counselor that I gather the customer is required to pay for, including the closing costs, are they rolled into the mortgage, and what is your recommendation? Also if you pick a mortgage person can they do a bait and switch when it comes to servicing the loan to a subordinate?

And your short has 2 likes and iam the first comment seems to be working very well for you

LesssssGO!!!

"its changin to lower" haha

Congrats fellow CMB!

Congratulations! All the best to Dustin, JC, and the TLOP family.

so Lower has a mortgage broker channel?

Shout out to THE BUCKEYE STATE!!!

Fresh out of Credit Kristie’s live🔥🔥🙏🏾. Go ahead -Tell my story ! 2020 this is exactly how I resigned! (Who’s an entire official TLopper? 🤭🙌🏿)

Congrats on the move, Dustin! So glad we get to work together! #LFG

Great Episode

interested

When I replaced the incessant desire to be HAPPY with the desire to be USEFUL is when things completely changed for me. Being useful and of service to my wife, my family, my clients, and my community. That's the true definition of happiness to me.