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The Loan Officer Podcast

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29/12/2025

Grown-up conversations require grown-up content.

No fluff. No filler. No BS. Just lessons that level you up.

TLOP's Originator Coaching is where the industry goes to grow, sharpen their edge, and actually learn something worth applying. If you’re done with the noise and ready for knowledge that means business, you’re in the right place.

Growth looks different when it’s built on truth.
Welcome to the pros’ table.

Real lessons. Real leaders. Real results.

Lets connect YOU with industry leaders, this is where experience speaks.
https://tloponline.com/mlo-coaching-programs/

26/12/2025

📈 Mortgage Forecast 2026: Rates staying stubborn around ~6–6.25% and home prices flattening. More inventory = more buyers next year.

🔍 This insight comes straight from the Mortgage Bankers Association, the #1 voice in our industry.

Want real updates and expert insights delivered straight to your inbox?

👉 Sign up for our newsletter and stay in the loop! 📨
https://tloponline.com/news/

25/12/2025

✨ Merry Christmas from all of us at The Loan Officer Podcast! ✨

May your season be merry, bright, and filled with gratitude, growth, and purpose.

To every loan officer grinding daily, educating your audience, changing lives, and raising the bar in this industry, we see you, we celebrate you, and we’re cheering you on.

This time of year reminds us that the brightest moments are built by the people who lead with heart, show up with intention, and never stop learning.

Here’s to closing the year strong, serving others boldly, and stepping into 2026 even brighter. 🌟

🎄 Stay inspired. Stay grateful. Stay unstoppable.

23/12/2025

DSCR loans are booming, even Dustin uses them for his rentals. 🏘️📈

But with popularity comes risk worth discussing.
Unlike standard appraisals, DSCR is valued on rental rates, not comparable sales.

So if home values correct, those loan-to-values might not be as solid as they look. ⚠️

Not doom. Just smart lending questions. 💡
Does this concern you too? Comment below.

Want more mortgage insight from 20+ years in the game?
Tune into TLOP with Dustin Owen. 🎙️
https://tloponline.com/tlop-podcast/

22/12/2025

🎧 Your business deserves better insights.

That’s why on The Loan Officer Podcast, host Dustin Owen, with 20+ years in the mortgage world breaks down the strategies that separate the pros from the amateurs.
TLOP - MLO Coaching, Resources, and Tips

From mastering sales and scaling production… to navigating market shifts and closing more deals, this show brings you advice you can use today.
theloanofficerpodcast.podbean.com

What you’ll get:
🔹 Actionable takeaways
🔹 Real conversations with industry leaders
🔹 Market & trend analysis
🔹 Tactical business growth tips

🎙️ Listen now, real results start here.
https://tloponline.com/tlop-podcast/

19/12/2025

Wealthy renters are changing the rules… 🏡💡

According to the Wall Street Journal, some renters are now being allowed to customize their homes, from finishes to design choices.

So let’s talk about it👇
👉 As a renter, would you invest in customizing a home you don’t own?
👉 As a property owner, would you allow it, and who should pay?

Housing trends are evolving, and this one raises BIG questions about ownership, value, and lifestyle.

Drop your thoughts in the comments 👇💬

Subscribe to our newsletter for industry news and so much more!
https://tloponline.com/news/

18/12/2025

🧠 Ever wonder why mortgage rates can look different from one lender to the next, even on the same day?

At the end of the day, the product is similar… but the business behind it isn’t. 🏢💻👥
From operating costs and staffing to technology, capacity, and demand, every lender adjusts their margins differently.

📈 When demand spikes, margins widen.
📉 When capacity opens up, margins tighten.

This is the side of lending most people never see, but understanding it makes you a smarter originator. 💡
That’s the TLOP difference. 🚀

Don’t forget to subscribe and catch all new episodes as they drop! ⬇️
https://tloponline.com/tlop-podcast/

17/12/2025

They don’t teach this sh*t in school, because REAL business is learned in the trenches. 🙌🏼

If you want practical, no-fluff advice that actually moves the needle, it comes from people who are doing it every day. With Dustin, you’re only a few steps away from aligning with one of the strongest networks and most trusted minds in the mortgage industry.

The TLOP Originator Coaching Community is where serious mortgage professionals go to sharpen their skills, build smarter businesses, and stay ahead of the curve, through live coaching, proven strategies, real-world scripts, and tools that deliver results without breaking the bank.

Learn what matters. Connect with the best. Build what lasts. 🚀
https://tloponline.com/mlo-coaching-programs/

16/12/2025

📉 The data is finally catching up, and the story is getting interesting.

After delays from the government shutdown, new labor market reports are out:
• Unemployment has climbed to 4.6%, the highest since COVID
• October saw 100,000+ jobs lost
• November rebounded with ~60,000 jobs added
• Stocks barely moved
• Bonds (and mortgage rates) are essentially flat

So what does that actually mean?
👉 Rising unemployment historically puts downward pressure on mortgage rates, but the market isn’t reacting the way many expected.

Now WE want to hear from YOU:
Are you seeing cracks in the economy… or does everything still feel strong where you live?

What are your buyers, clients, friends, and family saying?

This is exactly why staying informed matters.
📬 Our newsletter breaks down the headlines, and what actually impacts housing, rates, and real people.

If you want clarity instead of noise, make sure you’re subscribed.
https://tloponline.com/

15/12/2025

Your 2026 starts NOW. Not next year. Not “when things slow down.” NOW!

If you’re done guessing, reacting, and hoping next year is better, and ready to step into 2026 with a clear strategy and measurable goals... this is for you.

🔥 FREE Live Business Planning Workshop for MLOs
Hosted by Dustin Owen.
📍 Zoom
📅 December 18th | 12 PM ET

In this interactive session, you’ll map out what actually moves the needle:
• The metrics that drive income (and what to stop chasing)
• Your true loan target, and how to reverse-engineer it
• The most effective sources for consistent, quality business
• Daily, weekly, and monthly actions that compound results
• A personalized 2026 game plan you can execute immediately

This isn’t theory. It’s a working plan built for real-world production.

👇
Save your seat, registration is FREE.
Build your strategy now so 2026 doesn’t build itself for you. 💥
https://tloponline.com/events/2026-mlo-business-planning-w-do/

14/12/2025

Fourth year in a row of completing an Ironman 70.3. This one was a little extra special as this Summer is was not looking like I’d be able to compete.

Ironman 70.3 Florida is in the books. At 6:14 I am happy with that time. Not a PR but a time I can live with…

Shout out to my wife, son, aunt and uncle who came out to support.

11/12/2025

Groundhog Day? More like Fed Day. Another rate cut… and mortgage rates barely blink. 🏡

If you’re waiting for the Fed to ‘fix’ affordability, you’ll be waiting years.

2026 is shaping up to be a strong year for buyers — not because rates drop, but because prices stabilize, inventory grows, and incomes rise.

If you’re ready by 2026, don’t wait for a miracle. Make the move.

Sign up for our NEWSLETTER and stay plugged into all the latest industry news.
https://tloponline.com/

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Welcome to The Loan Officer Podcast!

This podcast is designed to educate, motivate, entertain and inspire anyone seeking financial freedom. This is everything you should have learned in high school but were not taught. Whether you own a home, want to own a home or finance homes for a living, this show is for you.