Laugh, Lend and Eat

In this episode of "Laugh, Lend & Eat," hosts Fobby Naghmi and Madison Keenan tackle the pressing issues facing the mortgage industry. From fluctuating interest rates to shrinking inventories, this episode provides an insightful and candid look at the current state of the market.

Join Fobby and Madison as they share their experiences and perspectives, navigating the complexities of the mortgage world with a mix of seriousness and humor.

1. Market Frustration: Madison's frustration with high-interest squeezes margins, affecting rates and low housing inventory echoes throughout the episode. This theme reflects the current challenges facing mortgage professionals and borrowers alike, highlighting the importance of resilience and adaptability.

2. Consumer Behavior: The discussion highlights how rapidly changing interest rates impact borrowers, complicating their decisions and the approval process. This dynamic underscores the need for mortgage professionals to stay agile and ready to address client concerns.

3. Competition and Compensation: Both Fobby and Madison delve into how competition among mortgage lenders is squeezing margins, affecting both client outcomes and loan officers' earnings. This balance between competitive rates and fair compensation is crucial for industry professionals.

4. Market Resilience: Despite current challenges, the hosts emphasize the importance of recalibrating expectations and finding new opportunities. They encourage listeners to stay optimistic and recognize the potential for success in today's market.

5. Lighthearted Moments: The conversation includes lighthearted moments, reflecting on the show's slogan, food, travel, and daily life. This balance between industry insights and personal anecdotes gives the show a unique flavor and offers relatable perspectives for listeners.

• Fobby Naghmi:

  • LinkedIn: https://www.linkedin.com/in/fobby/
  • Twitter: [insert Twitter handle]
  • Podcast: www.LaughLendandEat.com

We hope you enjoy this episode of "Laugh, Lend & Eat," and we look forward to your feedback. Stay tuned for future episodes in which Fobby and Madison continue exploring the ever-changing mortgage industry with their unique blend of insights and humor.

In this episode of Laugh, Lend, and Eat with Madness, hosts Fobby Naghmi and Madison Keenan welcome Julia Nilsen, a certified divorce coach and former attorney, to share her unique journey from the legal field to empowering others through divorce coaching.

Dive into Julia's personal story of navigating a complex divorce and how it propelled her to advocate for financial literacy and legal awareness in marriages.

What You'll Learn:

• The Role of a Divorce Coach: Understand the vital support a coach offers in the maze of legal and financial decisions during a divorce.
• Financial Awareness in Marriage: Insights into why being informed about finances and legal documents is crucial for marital stability and self-sufficiency.
• Dealing with High-Conflict Personalities: Strategies for managing relationships with high-conflict individuals during stressful transitions.
• Empowerment Through Education: Discover the benefits of educational programs like Second Saturday and how they can prepare individuals for the complexities of divorce.
• The Importance of Effective Legal Representation: Learn from Julia’s experiences about the impact of having the right—or wrong—legal support.

Featured Moments:

• [05:12] - Julia's Transition: Julia discusses her shift from practicing law to becoming a divorce coach after her own challenging divorce.
• [18:45] - Financial Autonomy: The critical need for financial knowledge within marriages to prevent potential disadvantages in divorce proceedings.
• [33:30] - High-Conflict Divorces: Julia shares techniques for handling divorces involving partners with high-conflict personalities.
• [49:15] - Community Support: The role of community support programs and how they assist women in understanding their rights and preparing for divorce.
• [1:02:20] - Choosing the Right Lawyer: Advice on selecting an attorney who aligns with your needs and how to change legal representation if necessary effectively.

Connect with Julia: Follow Julia on TikTok (@JuliaLiveWell) and Instagram for more insights and support. Join her on this journey of turning personal challenges into a mission to help others navigate one of life's most difficult transitions.

Episode Summary: In this vibrant episode of Voces Latina, Fobby and Dalila Ramos of Love and Tacos Media discuss the cultural dynamics within the mortgage industry, everything from industry events to the impact of technology on diverse communities.

Key highlights include a lively discussion on the ICE Technology conference, the role of DEI (Diversity, Equity, and Inclusion) in mortgage technology, and the importance of language and cultural representation in mortgage services.

Key Topics Covered:

1. Industry Events: Reflections on recent conferences, including St. Paddy’s Day in Chicago and the ICE Technology conference in Las Vegas.
2. Cultural Representation: The need for greater diversity in tech and mortgage sectors, particularly for Spanish-speaking professionals and women of color.
3. Technology and Diversity: Discussion on how mortgage technology can better serve diverse populations, including the potential for multilingual loan processing systems.
4. Community and Culture: Insights into the cultural nuances that influence the mortgage industry, including the importance of understanding and catering to diverse communities.
5. Legal and Compliance Issues: This section explores compliance challenges in multilingual documentation and the impact of appraisal bias on homeownership.

Memorable Quotes:

• "You don't have to drink, but the green beer is flowing the whole weekend." – Dalila on St. Paddy's Day in Chicago.
• "It's not just about technology; it's about understanding the borrower's cultural background." – Dalila on the importance of diversity in tech.
• "Language is a huge bridge to homeownership." – Fobby on the necessity of inclusive communication.

Recommended Actions:

• For Industry Professionals: Consider attending diverse industry events and incorporating more inclusive practices in your business strategies.
• For Consumers: Seek out lenders and services that understand and respect your cultural needs.

Connect with Us:

• Fobby on LinkedIn: Click Here
• Dalila Ramos at Love and Tacos Media: Visit Love and Tacos Media

Subscribe & Review: Enjoyed this episode? Don't forget to subscribe for more and leave us a review on Spotify to help spread the word about Voces Latina!

#Mortgage Industry, #Cultural Diversity, #Tech #Conferences, #VocesLatina, #Bilingual #Mortgage #DEI, #Homeownership #Challenges

Fobby Naghmi and Madison Keenan delve into a kaleidoscope of topics within the mortgage and real estate industries. With their signature blend of humor and insight, they explore the implications of recent industry developments, personal milestones, and the shifting dynamics of home buying, lending, and selling.

Episode Highlights:

• Celebratory Tones: The episode kicks off with a lighthearted birthday celebration for Madison, weaving in personal anecdotes and the significance of remembering special occasions in a professional setting.

• The Florida Migration: Madison shares her decision to spend her birthday in Florida, reflecting on the state's booming real estate market compared to New Jersey. Her move highlights the broader trend of industry professionals and buyers looking towards states with more inventory and opportunities.

• Licensing and State Expansion: The conversation transitions to the strategic considerations for loan officers contemplating multi-state licensing. Madison advises caution and strategy, emphasizing the importance of building a solid foundation in one's local market before expanding.

• Broker Opens vs. Open Houses: Madison offers insights on the differences between broker opens and open houses. She suggests that broker opens can be through stories of missed birthdays and professional transitions an excellent platform for new loan officers to network with realtors, whereas open houses are more about strengthening existing relationships.

• The Proposed NAR Settlement: The co-hosts discuss the recently proposed settlement by the National Association of Realtors (NAR) and its potential impacts on real estate agents and the broader industry. This segment provides a nuanced take on industry challenges and the evolving responsibilities of agents and loan officers.

• Industry Evolution and Reflection: Reflecting on past challenges, including the 2008 financial crisis, Madison and Fobby ponder the lessons learned and how they apply to today's market. They emphasize the importance of adaptation, resilience, and the constant evolution of the mortgage and real estate landscapes.

• The Human Side of the Industry: Through stories of missed birthdays and professional transitions, the episode humanizes the often numbers-driven world of real estate and mortgages. It sheds light on the personal connections and the emotional rollercoaster that professionals navigate alongside their clients.

Key Takeaways:

• The importance of adaptability and strategic thinking for professionals navigating the ever-changing landscape of the mortgage and real estate industries.
• The role of personal relationships and networking in building a successful career in these sectors.
• The impact of broader economic and industry-specific developments on professionals and their strategies for growth and stability.

Join Fobby and Madison as they unpack these topics and more, offering listeners a blend of professional insights, personal stories, and practical advice for navigating the complexities of today's mortgage and real estate industries.

Dive into the future of the mortgage industry with Dale Larson III, co-founder of Modex, in this enlightening episode of Laugh, Lend, and Eat. Explore how the integration of predictive analytics and AI is not just altering the hiring landscape but is re-imagining it entirely. Dale shares groundbreaking insights into how Modex leverages technology to refine recruitment and retention strategies, ensuring both mortgage companies and professionals navigate their next moves with unparalleled precision.

Key Takeaways:

1. Innovating with Intent: Discover how Modex is leading the charge in transforming mortgage hiring practices through the strategic use of data analytics, allowing for a more informed and efficient recruitment process.

2. The Power of Prediction: Learn about the development of predictive models, including the "propensity to move" score, that are set to revolutionize how mortgage professionals' career moves are anticipated and acted upon.

3. Navigating Ethical Waters: Engage with a crucial discussion on the ethical use of data in recruitment, exploring the delicate balance between leveraging data for business advantage and respecting individual privacy.

4. Future-Focused: Dale shares his vision for the future, emphasizing the role of AI and machine learning in further refining and personalizing hiring strategies within the mortgage industry.

5. Valuing the Human Element: Despite the technological advancements, the episode underscores the irreplaceable importance of human insight and connection in the hiring process, advocating for a harmonious blend of technology and personal touch.

Episode Highlights:

• An introduction to Modex and its mission to revolutionize mortgage hiring through technology.
• An insightful exploration of how predictive analytics and AI are harnessed to forecast mortgage sector job movements.
• A thoughtful dialogue on the ethical considerations inherent in the use of predictive data for hiring.
• Projections on how emerging technologies will continue to influence the mortgage industry's future.
• Reflections on the enduring importance of human relationships and intuition in an increasingly data-driven world.

Closing Thoughts: "Predicting Moves, Making Waves: Hiring Re-Imagined" offers a compelling look at the future of mortgage hiring, where technology and ethics intersect to create more dynamic and efficient recruitment practices. As the industry evolves, this episode serves as a critical conversation starter for professionals seeking to navigate the new landscape with confidence and insight.

In today’s episode, we’re breaking down the complex layers of this topic and exploring its potential impact on real estate agents, mortgage professionals, and consumers. Industry veterans Gabe Gillen, EVP of Family First Funding, and Jeff Lobb, founder of Spark Tank Media, will share their expert insights.

Episode Overview:

• Introduction to the proposed NAR settlement and its background.
• Guest introductions: Gabe Gillen and Jeff Lobb.
• The reaction of realtors to the proposed settlement and the spread of misinformation.
• Detailed breakdown of the NAR proposed settlement and its potential consequences.
• The legal and business ramifications for the real estate industry.
• Impact on mortgage professionals and buyer leads.
• Misconceptions about commission structures and transparency.
• The potential for market changes and the role of technology.
• Strategies for real estate professionals to adapt and thrive in a changing landscape.
• Final thoughts from our guests and closing remarks.

Key Takeaways:

1. Understanding the NAR Settlement: The settlement is still a proposal, not yet finalized. It aims to change how commissions are structured and disclosed, sparking widespread debate within the industry.

2. Industry Reactions and Misinformation: There is a significant amount of confusion and misinformation circulating among professionals and consumers, highlighting the need for clear communication and education.

3. Legal and Business Implications: Changes proposed in the settlement could lead to legal challenges and require shifts in how real estate professionals conduct their business, particularly regarding commissions and client relationships.

4. Adaptation and Opportunities: Despite potential challenges, there are opportunities for those willing to adapt to new practices and enhance transparency and service in the real estate process.

5. The Future of Real Estate Transactions: The industry may see shifts in business models, with a potential increase in transparency, consumer choice, and competition.

Special Guest Insights:

• Gabe Gillen: Shares insights from the mortgage perspective, discussing how changes might affect buyer leads, co-marketing, and the landscape for loan officers.
• Jeff Lobb: Offers a seasoned realtor's perspective, focusing on the importance of adapting to market changes, defending against misinformation, and seizing new opportunities in real estate sales.

Conclusion: The proposed NAR settlement has the potential to reshape the real estate industry, presenting both challenges and opportunities. It’s crucial for professionals to stay informed, seek clarity amidst the confusion, and prepare to adapt to new practices. As always, the aim is to enhance value and service for consumers while navigating these industry shifts.

Thank You Note: Special thanks to our guests, Gabe Gillen and Jeff Lobb, for their invaluable insights and to our listeners for tuning in. Stay informed, stay adaptable, and let’s continue to support each other in navigating the ever-evolving landscape of real estate.

Contact Information:

• For more insights and discussions, follow us on www.LaughLendAndEat.com

Remember, change is not necessarily a threat but an opportunity. Until next time, keep laughing, lending, and eating!

Are you a mortgage loan officer looking to navigate the ever-changing market landscape with humor and insight? Dive into this dynamic episode of "Laugh, Lend, and Eat with Madness," where the hosts, Fobby Naghmi and Madison Keenan, blend personal anecdotes, humor, and industry expertise to explore the world of mortgage lending.

This engaging session covers topics vital for mortgage professionals, including trends like the "mob wife" aesthetic, the intricacies of consumer behavior, and the impact of economic indicators like the Consumer Price Index on the mortgage market. The discussion also delves into the importance of honesty and transparency in client relationships, strategies for handling challenging scenarios, and the recent significant changes within the industry, such as the exodus of loan officers.

Listeners will find invaluable advice on adapting to market shifts, understanding consumer spending habits, and maintaining professionalism amidst industry challenges. This episode is a must-listen for those in the mortgage field seeking to enhance their skills and approach to lending with a mix of laughter, learning, and professional insights. Tune in to gain practical tips and thoughtful reflections that will aid in your journey as a mortgage loan officer.

What does the future of marketing look like in the age of artificial intelligence? In this episode of "Laugh, Lend & Eat," host Fobby Naghmi engages in an in-depth conversation with Geoff Livingston, an esteemed marketing strategist, distinguished photographer, and prominent voice in the intersection of AI and marketing.

Together, they traverse various subjects, from AI's obstacles and possibilities in the contemporary marketing landscape to the individual stories and projects that have sculpted their professional journeys and the profound effects of social media and technology on our personal lives and professional environments.

Geoff offers wisdom derived from his extensive experience, illuminating the shift in marketing paradigms as we step further into the domain of artificial intelligence and emphasizing the critical role of genuine human connections amidst our digital era. He also shares his enthusiasm for photography, illustrating how his distinctive vision and technique vividly encapsulate moments and narratives.

Listeners will gain invaluable insights for navigating the complexities of modern marketing and find inspiration to embrace their creative instincts or the sweeping changes introduced by AI. Loaded with humor, perceptive anecdotes, and expert guidance, this episode is an indispensable resource for industry professionals and enthusiasts alike.

Dive into an engaging discussion with Fobby Naghmi and Dalila Ramos on this episode of Laugh, Lend & Eat Voces Latina, which focuses on the unique challenges and opportunities for Spanish-speaking professionals in the mortgage industry.

Key takeaways include:

1. Cultural Integration: The importance of genuine cultural understanding and support within mortgage companies to cater to the Spanish-speaking community effectively.

2. Ethical Recruiting: Insights into the mortgage industry's recruiting practices, emphasizing the need for integrity and caution against the pitfalls of enticing but potentially restrictive sign-on bonuses.

3. Industry Dynamics: Personal anecdotes and experiences shed light on the evolving landscape of the mortgage industry, including litigation and corporate culture challenges.

4. Strategic Advice: Practical advice for Spanish-speaking mortgage professionals on conducting thorough company research, understanding contractual obligations, and aligning with organizations that value their culture and client base.

This episode is a must-listen for those in the mortgage sector seeking to navigate the complexities of culture and change, offering a blend of advice, industry insights, and heartfelt stories. Join us on Laugh, Lend & Eat Voces Latina for a deeper understanding of the mortgage world from a Latin perspective.

Are you intrigued by the dynamics of mortgage rates in today's economy or baffled by a client's decision to handle their own employment verification? Immerse yourself in the latest episode of "Laugh, Lend & Eat with Madness," where hosts Fobby Naghmi and Madison Keenan delve into these compelling subjects with wit and wisdom. This episode is a treasure trove of personal anecdotes, professional challenges, and invaluable industry insights.

The conversation starts with a lively discussion about the contrasting real estate landscapes of North and South Jersey, shedding light on the competitive nature and pricing trends in these areas. As the dialogue unfolds, Madison and Fobby navigate through the complexities of the mortgage industry, touching on interest rate fluctuations, client expectations, and the unpredictable nature of the market.

Listeners are treated to an array of stories ranging from the humorous to the bewildering, such as clients' peculiar behaviors and the trials of dealing with intricate loan scenarios. The hosts also reflect on the impact of economic indicators like the jobs report on mortgage rates, providing listeners with a deeper understanding of the factors at play in their professional lives.

In a candid exchange, Madison shares a particularly memorable client story, highlighting the challenges and oddities that loan officers often face. This leads to a broader conversation about customer service, the importance of clear communication, and the unexpected situations that professionals in the mortgage industry regularly encounter.

Adding to the episode's richness, Madison imparts advice for new loan officers, emphasizing the significance of building relationships over chasing high-value loans. This sage advice encourages industry newcomers to focus on long-term client satisfaction and success. By the end of the episode, listeners will have gained a greater understanding of the mortgage landscape and practical tips and strategies for navigating their professional journeys. So, if you're looking for a mix of entertainment, education, and expert advice, don't miss this episode of "Laugh, Lend & Eat with Madness."

Are you a mortgage loan officer looking for innovative strategies to navigate the fluctuating market and build a strong referral network? Dive into this insightful episode of Laugh, Lend & Eat as host Fobby Naghmi is joined by Beau Cox, Branch Manager at Nations Lending in Delaware. Beau shares his journey from transitioning out of the banking world into a 100% commission-based role, thriving during economic downturns, and leveraging technology and social media to boost his business.

Discover how Beau crafted a successful career by focusing on relationship building, adapting to market trends, and utilizing technology to stay ahead. Whether you're curious about tackling the challenges of today's mortgage landscape or interested in how to create a niche market for yourself, this episode is packed with valuable takeaways.

Join us as Beau discusses the importance of getting out of your comfort zone, the evolution of mortgage lending over the last 17 years, and how to cultivate a referral network that sustains your business through every market condition. Don't miss Beau's insights on the significant role technology plays in lead generation and the innovative mortgage products that can give you a competitive edge.

Tune in to learn from Beau Cox's wealth of experience and get motivated to elevate your mortgage lending game.

In this engaging episode of Laugh, Lend & Eat, host Fobby Naghmi interviews Katie Sweeney, the soon-to-be-former Chairman and CEO of the Association of Independent Mortgage Experts (AIME) and the incoming CEO of the Broker Action Coalition. The conversation explores Katie's journey in the mortgage industry, her observations on homeownership trends, particularly among millennials, and her vision for her new role in advocating for the mortgage community and homeowners.

Key Highlights:

• A Musical Start: The episode kicks off with a playful nod to the Dallas Cowboys' fight song, setting a light-hearted tone and establishing a connection with Katie's personal interests.

• Leadership and Transition: Katie reflects on her tenure at AIME, discussing the evolution of the organization and her transition to the Broker Action Coalition. She emphasizes the importance of leadership turnover for organizational vitality and staying in tune with community needs.

• Challenges in Homeownership: A significant portion of the conversation is dedicated to addressing the barriers to homeownership faced by younger generations. Katie expresses concern over the declining homeownership aspirations among millennials and Gen Z, warning of the potential long-term impacts on the American Dream.

• Advocacy for Change: Katie discusses her commitment to advocacy, highlighting the need for the industry to be more proactive in addressing its flaws and supporting broader access to homeownership. She outlines her strategy for making a meaningful difference through the Broker Action Coalition, focusing on pro-consumer initiatives and policy advocacy.

• The Power of Community: Throughout the episode, Katie and Fobby discuss the importance of community within the mortgage industry. Katie shares her belief in the tenacity of mortgage brokers and her mission to "help people help more people" through her work and advocacy.

• Looking to the Future: Katie shares her vision for the Broker Action Coalition, emphasizing the need for industry-wide cooperation and innovation to address the challenges facing homeownership. She speaks to the importance of advocating not just for the industry but for the end consumers—the homebuyers themselves.

Episode Takeaways:

• Leadership in the mortgage industry requires a balance of innovation, advocacy, and a deep understanding of the community's needs.
• The declining trend in homeownership among younger generations poses a significant challenge to the future of the mortgage industry and the concept of the American Dream.
• Advocacy and action are essential to address systemic issues within the industry and to ensure that homeownership remains accessible and achievable for all.
• The Broker Action Coalition represents a pivotal opportunity to drive change and support for consumers in the mortgage process.

Closing Thoughts: Fobby wraps up the episode by thanking Katie for her insights and contributions to the mortgage industry. He reflects on the importance of conversations like these in fostering understanding, innovation, and progress within the industry. As Katie embarks on her new role, the episode leaves listeners with a sense of optimism for the future of homeownership advocacy.

Listen and Subscribe: Don't miss this enlightening conversation with one of the mortgage industry's most influential leaders. Subscribe to Laugh, Lend & Eat on your favorite podcast platform to stay updated on the latest episodes.

In this enlightening episode of "Laugh, Lend & Eat," host Fobby Naghmi invites a panel of Homecomings Mortgage & Equity's managers to dive into the multifaceted journey of a producing branch manager. This discussion not only sheds light on the increased workload and responsibilities that come with the managerial role but also explores the cultural nuances of homeownership and mortgage practices across different regions, including a comparison to cash-based property acquisitions in countries like Pakistan.

Our speakers share personal anecdotes and professional insights from their experiences, ranging from managing builder accounts to the strategic adaptation required in today's technologically driven mortgage landscape. The conversation highlights the critical importance of structuring one's day for efficiency, leveraging technology to enhance team performance, and the innovative integration of video content in marketing strategies to stay ahead in the competitive mortgage industry.

Key points covered in this episode include:

• The significant shift in responsibilities when moving to a branch management position.
• Cultural perspectives on homeownership and how they impact mortgage professionals.
• Practical advice for new producing branch managers, including "Brian's Playbook" on day structuring and team engagement.
• The role of technology in modernizing operations and marketing within the mortgage sector, with a focus on finding tools that align with personal and professional success.
• The challenge and opportunity presented by a 30-day video marketing challenge emphasizing the untapped potential of video content in the industry.

Join Fobby and his guests for a deep dive into the challenges and opportunities that come with leadership roles in the mortgage industry, offering valuable insights for current and aspiring branch managers looking to navigate the complexities of today's market.

In this episode, join Fobby Naghmi as he dives deep with Todd Scrima, founder of Summit Funding and the mind behind Loan Officer University. Todd shares his extensive experience and insights on leadership in the mortgage industry, discussing how he navigates its challenges and shapes the future of lending. This conversation is a must-listen for anyone interested in the intersection of finance, innovation, and leadership, offering valuable perspectives for professionals at all levels.

Join us for an enlightening discussion that sheds light on the paths to success in the dynamic world of mortgages.

Join Fobby and his insights on the importance of having a game plan in the mortgage industry, drawing parallels from NFL strategies to loan officers' approaches. Highlighting lessons from the Kansas City Chiefs and the 49ers' recent games, Fobby emphasizes the critical need for preparedness and strategy in achieving success. Whether you're facing challenges or strategizing for victory, the message is clear: having a game plan is essential. For mortgage professionals lacking direction, Fobby offers guidance to refine strategies and achieve goals. Remember, success in the mortgage field, like in football, requires a solid game plan.

Welcome to the inaugural episode of "Voces Latinas," hosted by Fobby Naghmi and co-host Dalila Ramos. In this vibrant kick-off, we delve into the rich world of Spanish-speaking mortgage professionals. Fobby, a seasoned leader in the mortgage industry, and Dalila, a dynamic force with deep cultural roots, engage in a candid discussion about the significance of bilingualism and cultural diversity in mortgage lending.

This episode explores the nuances of code-switching, the art of adapting language and demeanor in different cultural contexts, a skill invaluable in the diverse landscape of today's mortgage industry. Our hosts share personal anecdotes, reflecting on their experiences of navigating multiple languages and cultures in their personal lives and professional careers.

Listen in as Fobby and Dalila highlight the growing need for Spanish-speaking professionals in the mortgage sector. They discuss how being bilingual opens doors to new opportunities, allowing for a better connection with a broad spectrum of clients and understanding their unique needs. The conversation also touches on the evolution of the role of Spanish-speaking loan officers from the early 2000s to the present day, noting the significant increase in bilingual professionals in origination and operations.

"Voces Latinas" isn't just about language; it's about the stories, challenges, and triumphs of those who bridge cultures daily. This podcast celebrates Hispanic and Latino influence in the mortgage industry and is a testament to the power of diversity. Join us for an enlightening and inspiring journey into the world of Spanish-speaking mortgage professionals. Whether you're in the industry or simply interested in cultural dynamics, this episode offers valuable insights and lively discussions.

Bienvenidos a "Voces Latinas"!

This episode marks the beginning of Season 3 of the podcast "Laugh, Lend & Eat with Madness," hosted by Fobby Naghmi and Madison Keenan. The episode is a lively and engaging conversation that covers a range of topics related to the mortgage industry, personal experiences, and societal trends.

1. Celebrating Milestones and Industry Changes: Fobby opens the episode by celebrating a personal milestone – 30 years in the mortgage business since January 3, 1994. He reflects on the immense changes in the industry over these three decades, noting that almost everything has evolved. Madison and Fobby discuss the longevity and transformation of certain companies and the overall landscape of the mortgage industry.

2. The Current Mortgage Market: The hosts delve into the current state of the mortgage market, discussing refinancing options, interest rates, and the decision-making process for borrowers. They explore the mindset of borrowers contemplating refinancing, especially in the context of fluctuating interest rates and credit card debt. Madison shares insights on the trend of cash-out refinancing and home equity lines of credit.

3. Home Buying vs. Renting: A significant portion of the conversation focuses on the dilemma many face: whether to buy a home or continue renting. The hosts discuss how lifestyle choices, financial priorities, and the cultural shift towards leasing and renting impact this decision. They emphasize the importance of understanding individual priorities and providing a roadmap for potential homeowners, regardless of their current situation.

4. Cultural and Societal Observations: The episode also touches on broader societal and cultural topics, such as the changing priorities of younger generations, the cost and implications of modern weddings, and the impact of these factors on financial decisions like home buying.

5. Advice for Loan Officers: Madison offers strategic advice for loan officers on handling client queries about whether to buy or rent. She suggests comparing current rent with potential mortgage payments and guiding clients through their options, emphasizing the need for a personalized approach based on individual circumstances and future plans.

Three Key Takeaways for Listeners:

1. Industry Evolution and Adaptation: Listeners gain an understanding of how the mortgage industry has evolved over the past 30 years, highlighting the need for professionals in the field to adapt to changing trends and market conditions.

2. Navigating Current Market Challenges: The episode provides insights into the current mortgage market, including refinancing options and the impact of interest rates. It offers a nuanced view of the decision-making process for borrowers in today's economic climate.

3. Personalized Approach in Mortgage Decisions: A key takeaway is the importance of a personalized approach when advising clients on home buying versus renting. The discussion underscores the need to consider individual lifestyles, financial priorities, and long-term goals in these significant decisions.

Discover the secrets to breaking free from societal expectations and embracing the person you were always meant to be with Fobby Naghmi, SVP of Homecomings Mortgage & Equity, a seasoned leader in the mortgage industry, as he shares profound insights in this quick talk.

Unveil the powerful message of uncovering your true self and embracing authenticity.

Join Fobby in this thought-provoking conversation that transcends the conventional narratives of success. Ready for a paradigm shift? Listen to the talk now and embark on a path of personal empowerment. Don't miss out—your authentic journey awaits!

Join Fobby Naghmi, SVP of Homecomings Mortgage & Equity, and mortgage maestro Barry Habib in a deep dive into the ever-evolving mortgage landscape on today's episode! Uncover Barry's expert forecasts for 2024, including real estate trends, interest rate predictions, and the intriguing dynamics of market supply and demand. Barry demystifies the complexities of economic indicators like the jobs report, revealing their true impact on the mortgage sector. Plus, it dives into the transformative role of AI in the industry and the strategic importance of MBS Highway. For loan officers, Barry shares invaluable insights on navigating challenges and seizing opportunities in a competitive market. This episode is a treasure trove of knowledge for anyone looking to understand the mortgage world in 2024, especially in the context of an election year. Don't miss Barry's personal take on housing market investments and the essential skills mortgage professionals need to thrive in this dynamic environment

Dive into an enlightening episode of "Laugh, Lend, and Eat with Madness," where host Fobby Naghmi chats with co-host Madison Keenan of CrossCountry Mortgage and special guest Ginger Bell from EduMarketing Media. This episode takes you on a journey through the challenges and triumphs of content creation, particularly in the ever-evolving world of mortgage and finance.

We kick off with an honest discussion about the current real estate market and its complexities. Madison opens up about her experiences with clients, shedding light on the realities of pre-approvals and market fluctuations.

The conversation then shifts to the core challenge of the episode - overcoming the fear of video content creation. With Ginger Bell's expert insights, Madison confronts her apprehensions about judgment and perfectionism in the digital world. They explore the importance of platforms like YouTube for reaching a wider audience and the power of authentic, educational content.

In a series of motivational exchanges, Madison is encouraged to embrace her fears and lean into her potential as an influencer and educator in the mortgage industry. The episode is not just about the struggles but also about finding comfort zones, whether in a car or a familiar locale, to kickstart the content creation process.

This episode is a must-listen for anyone looking to break through personal barriers and make a meaningful impact in their professional sphere. Join us for an episode filled with laughter, insights, and invaluable advice for navigating the digital landscape in the mortgage industry.

Tune in now and be part of Madison's growth, learning, and empowerment journey.

Join Fobby Naghmi, SVP of Homecomings Mortgage & Equity, as Craig Ungaro, COO of AnnieMac Home Mortgage, joins him. Explore the profound metamorphosis of the industry through the lens of AI and machine learning.

Craig, a luminary in the field, unravels the power of AI to refine and accelerate underwriting processes, ushering in a new era of efficiency and reliability. Learn how machine learning isn't just advancing operations but is a harbinger of endless possibilities and hope.

Listen as we delve into the fusion of sales and operations, taking cues from the dynamic teams at AnnieMac and how this collaboration is pivotal in navigating the intricacies of loan processing in the digital age.

As Craig reflects on his esteemed career and personal philosophy, he imparts a timeless lesson: view every challenge as a hidden opportunity. This episode is a treasure trove of insights for enthusiasts and professionals eager to grasp the future-forward narrative of the mortgage industry.

In this exciting episode of "Laugh, Lend, and Eat," hosts Fobby Naghmi and Madison Keenan delve into the world of mortgages while adding a touch of humor and a sprinkle of office pastry drama.

Tune in as they unpack a novel approach to accountability in the digital age and share innovative strategies to distinguish oneself in the bustling real estate market.

Episode Highlights:

• Zooming into Accountability: Discover the unique idea of silent Zoom calls designed to keep professionals accountable in a world where remote work is the new norm. Will it become the next big trend in sales?
• Tech Troubles: Ever been frustrated with the ever-evolving CRMs or the constant password updates required for professional systems? Fobby and Madison discuss the love-hate relationship many have with technology in the industry.
• Revolutionizing Open Houses: Madison introduces a game-changing follow-up technique that promises to leave a lasting impression on potential clients. Forget traditional methods; it's time for some video magic!
• The Great Pastry Debate: Can a box of pastries sway business decisions? Madison shares her candid take on the age-old practice of bringing treats to the office, especially by mortgage insurance companies. Is it a sweet gesture or a strategy with strings attached?
• Market Musings: The dynamic duo reflects on the ever-changing market landscape, emphasizing the need for adaptability and innovation. With markets ebbing and flowing, how can professionals stay ahead of the curve?

Join Fobby and Madison on a thrilling journey through the world of mortgages and beyond. With a mix of humor, real-life stories, and expert insights, this episode promises to be both informative and entertaining. Whether you're a seasoned industry professional or just looking for a good listen, you won't want to miss this roller-coaster ride of laughter and learning!

Get ready for an exciting episode of "Laugh, Lend and Eat" as Fobby Naghmi, SVP of Homecomings Mortgage & Equity, takes us on a journey to discover the cutting-edge Cash2Keys program.

With Fobby's expertise and insightful commentary, we'll learn why the Cash2Keys program is the way to go when it's time to buy a home, whether it's your first home or your next home.

Joining Fobby are special guests Tom Bickett and Andy Craig, both esteemed members of the AnnieMac Home Mortgage team.

Together, they embark on a journey to demystify the innovative program that's reshaping the home-buying landscape.

🔑 Highlights:

• Innovating Real Estate: Understand the genesis and vision behind the Cash2Keys program and its role in modern real estate.

• Buyer Benefits: Discover how Cash2Keys provides a competitive edge in a market dominated by timely cash offers and the flexibility it offers potential homeowners.

• Behind the Scenes: Tom and Andy shed light on the program's mechanics, sharing insights on its development, challenges, and success stories.

• Host's Take: Fobby, with his vast experience in the mortgage industry, provides a unique perspective, drawing parallels with his role at Homecomings Mortgage & Equity and the broader goals of AnnieMac Home Mortgage.

Whether you're a homebuyer, a real estate enthusiast, or someone intrigued by market innovations, this episode promises a blend of knowledge, experience, and insightful discussions. Tune in to get a firsthand account of the future of home buying!

Discover the secrets to success and fulfillment by joining us for an illuminating conversation on Laugh, Lend, and Eat. Don't miss out on this opportunity to elevate your life as Fobby Naghmi, SVP of Homecomings Mortgage & Equity, is joined by Jay Doran, host of The Culture Matters Podcast and an organizational culture and leadership expert.

Key Highlights:

• The Power of Communication: Discover why clear and honest communication aligns expectations and fosters understanding in any relationship.
• The Role of Culture: Delve into how culture acts as the heartbeat of an organization and why aligning it with brand perception is critical.
• Personal Growth and Learning: Explore the significance of continuous learning and personal development and how books and habits play a pivotal role.
• Lessons from Unlikely Sources: Uncover the unexpected life lessons we can learn from history and the evolution of individuals and organizations.
• The Podcast Guest's Recommendations: Jay shares his insights into language learning, must-read books, and the power of audiobooks for personal growth.

Join us as we explore the profound impact of culture, communication, and personal growth in personal and professional realms. This episode will allow the listener to gain invaluable insights into the factors that shape their journey toward achieving their goals.

In this episode of Laugh, Lend, and Eat with Madness, hosts Fobby Naghmi and Madison Keenan shed light on the intertwined realms of student loans and the housing market. As they meander through the discussions surrounding mortgage refinancing, rate fluctuations, and the impact of student loan repayments, they unveil how these financial elements dance in a delicate yet impactful fandango.

Key Takeaways:

1. Impact of Interest Rates:

   • Understanding the flex and flux of interest rates and how they influence mortgage and student loan repayments.
   • The psychology behind interest rates and how individuals perceive and react to rate variations.

2. Refinancing Rundown:

   • Discussing scenarios where refinancing can be beneficial to consolidate student loans and other debts into a mortgage.
   • Highlighting the importance of evaluating the long-term impact and savings before jumping onto the refinancing bandwagon.

3. Student Loan Repayment Reality:

   • Exploring the impending wave of student loan repayments and how it's a critical factor to consider for potential homebuyers.
   • Understanding the financial discipline required to manage student loans and mortgage payments effectively.

4. Inventory Insight:

   • Analyzing the current housing inventory and how it's evolving compared to the previous year.
   • Discuss strategies for loan officers and homebuyers to adapt to the market conditions and expand their opportunities.

5. Market Adaptation and Expansion:

   • The importance of adapting to market changes and considering expansion into different states to broaden market share and opportunities.
   • Encouraging loan officers to strategize and plan for the ongoing and upcoming market challenges.

6. A Closer Look at Individual Financial Scenarios:

   • Case studies and real-life scenarios discussed to underline the importance of personalized financial planning and advice.
   • The need for a holistic approach in financial decision-making considering all debt obligations, not just the mortgage rates.

7. Predictions and Preparations:

   • Madison's predictions regarding the upcoming challenges and the importance of preparing for the financial hurdles ahead.
   • Look at potential solutions and strategies to navigate the financial maze of mortgages and student loans.

This episode presents a lively discussion filled with humor and insights and serves as a financial compass guiding listeners through the turbulent waters of student loans and the housing market. Whether you're a loan officer, a homebuyer, or someone grappling with student loans, tune in to glean valuable insights from Fobby and Madison's dialogue on "Student Loans and the Housing Hustle."

In this riveting episode of Laugh Lend and Eat, hosts Fobby Naghmi and Madison Keenan sit down with Phil Treadwell, the founder of M1 Academy and the host of Mortgage Marketing Expert. The trio dives deep into the intricacies of the mortgage industry, discussing the importance of mindset, building trust, and the power of an abundance mentality.

1. Mindset Matters: Phil emphasizes that mindset is not just a buzzword but the most crucial element that controls our attitude and actions. It's the starting point for any mortgage professional looking to make a significant impact.

2. Building Trust: The conversation explores the importance of trust in both client and partner relationships. Phil shares two easy ways to build trust: finding common ground and offering value without expecting anything in return.

3. Marketing vs. Sales: Phil distinguishes between marketing, which is about grabbing attention, and sales, which is the conversation that follows. He argues that effective marketing is a balance of trust and attention.

4. Abundance vs. Scarcity Mindset: Fobby brings up the concept of an abundance mindset, where everyone can win, as opposed to a zero-sum game. Phil agrees and discusses how this mindset can be especially empowering in the mortgage industry.

5. Daily Habits and Non-Negotiables: Phil suggests that having daily habits can create a series of small wins that build momentum and confidence, ultimately leading to better performance.

6. Unique Value Offer: Phil talks about the importance of having a unique value proposition to stand out in a crowded market. He mentions that this can change the narrative and help mortgage professionals offer more than just rates to their clients.

7. The Power of Action: Phil wraps up by emphasizing that taking action, even if small, can have a significant impact on your mindset and your business. Doing something is always better than doing nothing.

• Book: "Tribes" by Seth Godin
• M1 Academy by Phil Treadwell
• Mortgage Marketing Expert Podcast

• Phil's guilty pleasure: Chips and Queso
• Fobby's Cannoli Cake mishap in New Jersey
• Madison's insights into consumer behavior and marketing

• LinkedIn
• M1 Academy Website
• Mortgage Marketing Expert Podcast

• Fobby Naghmi: LinkedIn, Twitter
• Madison Keenan: LinkedIn, Twitter

Tune in for an episode filled with actionable insights and candid conversations that will leave you with a fresh perspective on the mortgage industry. Whether you're a seasoned professional or new to the field, this episode has something for everyone.

🎙️ New Episode Alert: Unlocking the Mortgage Mindset with Phil Treadwell 🎙️

Hey everyone! We've got a special treat for you on the latest episode of Laugh Lend and Eat. We sat down with Phil Treadwell, the founder of M1 Academy and host of Mortgage Marketing Expert, to dig deep into the mortgage industry's most pressing topics.

🔑 Key Takeaways:

• The critical role of mindset in your success
• The art of building trust in relationships
• The difference between marketing and sales
• The power of an abundance mindset
• Daily habits that can change your life

Whether you're a seasoned mortgage professional or just starting out, this episode is packed with actionable insights that can help you elevate your game. Don't miss out!

👉 Swipe right to see some of the episode's highlights and click the link in bio to listen now! 🎧

#LaughLendAndEat #MortgageIndustry #MindsetMatters #BuildingTrust #MarketingVsSales #AbundanceMindset #PhilTreadwell #M1Academy #MortgageMarketingExpert #PodcastEpisode #NewEpisodeAlert

@PhilTreadwell @MadisonKeenan @FobbyNaghmi

In this episode, host Madison Keenan of Cross Country Mortgage sits down with industry veteran Stefani Boyd of Professional Mortgage Associates Inc. to discuss the secrets to long-term success in the mortgage business. From the importance of networking and community involvement to leveraging social media, this episode is packed with actionable insights.

• Why networking is crucial in the mortgage industry
• The benefits of having a diverse network, both within and outside the industry

Key Takeaway: Networking is not just for client acquisition; it's a multifaceted tool for personal and professional growth.

• Stefani's experience with Meals on Wheels
• How volunteering can serve dual purposes: community service and professional networking

Key Takeaway: Authentic and consistent involvement in community service can be a win-win for personal satisfaction and business growth.

• Stefani's approach to social media
• How platforms like Facebook and Instagram can be more than just a 'like' generator

Key Takeaway: Use social media as a tool to engage with your community and stay top of mind, not just to collect likes and follows.

• The value of small, thoughtful actions in maintaining professional relationships
• Examples of simple yet effective gestures

Key Takeaway: Small, sincere gestures can make a big difference in how you're perceived and remembered.

• Meals on Wheels
• Networking Tips for Mortgage Professionals
• Effective Social Media Strategies for Mortgage Lenders

• Stefani Boyd: https://www.stefaniboyd.com/

• Madison Keenan: LinkedIn

• Homecomings Mortgage & Equity

Key Topics Covered1. The Power of Networking2. Volunteering as a Networking Tool3. Social Media: The Modern-Day Connector4. The Impact of Small GesturesAdditional ResourcesConnect with Our GuestConnect with the HostEpisode Sponsor

Join Fobby Naghmi, SVP of Homecomings Mortgage, and Madison Keenan of CrossCountry Mortgage in a riveting discussion between father-daughter duo Joe and Maddie.

We get a behind-the-scenes look at how industry veterans and fresh talents view the landscape of sales, mortgage, and networking. It turns out the age-old saying "Father Knows Best" holds a significant value when you dive into the world of sales and relationship building. But don't let the generational gap fool you; the pair has more in common than you think.

Both Joe and Maddie employ humor as a powerful tool in their respective professions. Maddie uses wit and charm on TikTok to break down the complexities of mortgages and home-buying, turning what could be a stress-inducing topic into something relatable. Joe, on the other hand, reminisces about the days he would employ humor to diffuse high-stakes conversations about loan rates, taking the edge off a topic that tends to be tension-filled.

Joe's 50-plus years of experience shine when talking about the power of referral networks. He shares an incredible story about moving vodka from the United States to Moscow, an opportunity that came from a simple phone call from a friend in England. Maddie, too, has begun to see the networking potential, albeit digitally. Her TikTok videos act as a lead funnel, drawing viewers into her 'tribe' and eventually converting them into clients.

While Joe remains a staunch advocate for traditional networking, he acknowledges the digital shift. He talks about solving a shipping issue by going straight to the top via LinkedIn, showcasing that tenacity knows no bounds. Maddie, a digital native, corroborates this view, emphasizing the importance of leveraging online platforms to reach wider audiences.

No one is immune to blunders, and both Joe and Maddie share their 'cringe-worthy' experiences in sales pitches and marketing. For Joe, the cringe came from a bizarre pitch he received that included a box of $100 in one-dollar bills. Maddie's pet peeve is the saying, "Marry the home, date the rate," a term she feels misguides borrowers. Learning from such instances only adds to their growing expertise.

While Joe might have decades of experience under his belt, Maddie's fresh perspectives and digital savvy make her a force to be reckoned with. This loving father-daughter rivalry manifests as a mutual respect for each other’s craft, providing a wholesome picture of how traditional and modern approaches can coexist and enrich the industry.

The dialogue between Joe and Maddie highlights that while the tools of the trade may change, the essence of relationship-building, tenacity, and humor remains timeless. And in this case, father truly does know best—but he's got a lot to learn from his daughter, too.

Fobby Naghmi, SVP of Homecomings Mortgage & Equity, hosts the first Leadership Roundtable with Corrina Carter of CMS Mortgage, Keith Canter of First Community Mortgage, and Gabe Gillen of Family First Funding, a division of AnnieMac Home Mortgage.

Introduction

In the vibrant world of mortgage and real estate, changes are constant. Industry leaders nationwide gathered on the popular podcast "Laugh, Lend & Eat" to discuss current trends, predictions, and insights into mortgage lending, home buying, and real estate investments. Here's a combined review of the four engaging segments:

• Mortgage Rates: Current mortgage rates and their implications for lenders and borrowers.
• Refinancing Opportunities: Opportunities in refinancing homes, leveraging low-interest rates.
• Residential Mortgages: Examining trends in residential mortgages, from home equity lines of credit (HELOC) to first-time buyers.

• Sales Strategies: Expert insights into effective sales strategies for the mortgage industry.
• Real Estate Marketing: Effective marketing techniques for real estate agents.
• Building Relationships: Creating solid relationships with clients and business partners.

• Cross-Cultural Team Building: Managing diverse teams within the mortgage and real estate industry.
• Referral Networks: Building and leveraging referral networks for business growth.
• Coaching Salespeople: Tips for finding and coaching salespeople to achieve their potential.

• 2024 Housing Market Predictions: Panelists' predictions for interest rates, refinancing, home equity, and more.
• Bidding Wars and Affordability: Concerns about bidding wars and housing affordability issues.
• Adapting to Market Changes: Emphasis on the necessity for innovation and adaptability in the mortgage and real estate industry.

Summary

"Laugh, Lend & Eat" offers a rich insight into the multifaceted world of mortgage lending and real estate. From understanding current mortgage rates to looking ahead at 2024 predictions, this podcast encapsulates the dynamism and complexities of the industry. Key themes that resonate throughout these discussions are adapting, innovating, and staying ahead of the curve.

These segments offer valuable takeaways for mortgage lenders, real estate agents, homebuyers, or anyone interested in the pulse of the housing market. As we navigate the remainder of 2023 and look to the future, staying informed and adaptable will be paramount for success in mortgage and real estate.

The Mortgage Landscape - Understanding Today's MarketSales and Marketing - Building Success in Real EstateCross-Cultural Teams and Referral NetworksPredictions for 2024 - Looking Ahead

Hosted by ⁠Fobby⁠of Homecomings Mortgage & Equity, the 2023 edition of the annual Meet the Recruiters episode on Laugh, Lend, and Eat the Podcast brings together an exciting panel that encapsulates the world of mortgage recruitment. This episode features a candid conversation with Dalilah Ramos from Love and Taco Media, Steve Tremayne of Team Mortgage Recruiters (TMR), and Michael Laka from Options ABC. Together, they share insights, laughter and reveal the dynamics of the mortgage industry in these turbulent times.

Panel Insights:

1. The Language of Networking - Dalilah Ramos: The self-proclaimed taco-lover, Dalilah, brings a refreshing angle to networking, providing a connection between different job locations and professionals seeking new opportunities.

2. Innovation in Recruitment - Steve Tremayne: Being new to social media, Steve Tremaine of TMR expresses how digital platforms have reenergized past relationships and enabled him to stay on top of his sphere of influence.

3. Surviving the Turbulence - Mike Laka: The current climate has seen about 50,000 licensed loan originators pushed out. Mike Laka's strategic approach to this volatility emphasizes intentionality in conversations and constructive use of time.

The Social Media Edge:

The conversation highlights how social media has amplified recruitment efforts and allowed recruiters to foster connections and engage with existing and new candidates. Steve's candid revelation about his recent appearance in social media algorithms sheds light on how digital platforms can enhance visibility in the mortgage industry.

Reflection on the Past Year:

The past 12 months have been turbulent, filled with changes that resemble a never-stopping merry-go-round. Mike compares the current state to the refi boom from two and a half years ago, signifying a level of craziness that demands a strategic approach.

Conclusion:

Meet the Recruiters episode has set the stage for a thrilling exploration of the mortgage industry's modern recruitment strategies, challenges, and success stories. With Fobby's engaging hosting style and a panel of industry experts, listeners can expect a blend of humor, insights, and valuable lessons from this six-part series. The anticipation builds for the next installment, promising more wisdom and laughter from the world of mortgage recruitment.

Fobby Naghmi of Homecomings Mortgage & Equity hosts a LIVE episode with real estate coach Jeff Lobb of Sparktank Media. They dive into how mortgage loan officers are doing the same things expecting different results. INSANITY!

As a mortgage professional or a real estate broker, you understand the importance of building strong relationships with realtors and attracting new business opportunities. In this blog, we delve into the power of creating value and how it can transform your business, enhance your reputation, and drive growth.

• Understanding the Importance of Value:

  • Value goes beyond just closing deals; it's about being the solution provider that realtors can rely on.
  • Embrace a customer-centric approach, and let your value proposition resonate with realtors personally and professionally.

• Crafting a Compelling Value Proposition:

  • Offer a unique blend of services that go beyond traditional mortgage solutions.
  • Highlight your expertise in residential mortgages, loan servicing, and mortgage lending.
  • Emphasize how you specialize in addressing realtors' top concerns, such as finding listings, solving problems, and enhancing their marketing efforts.

• Building Genuine Relationships:

  • Be more than just a service provider; be a mentor and a partner.
  • Invest time in coaching and supporting realtors to achieve their goals.
  • Go beyond the transactional approach and engage in meaningful interactions that foster trust and loyalty.

• Leveraging the Power of Partnerships:

  • Collaboration is a key component of creating value.
  • Partner with realtors to leverage their expertise in real estate while you focus on your mortgage specialty.
  • Demonstrate your commitment to helping realtors succeed, and they'll become more than just business contacts—they'll become long-term partners.

• Unveiling Unique Products and Services:

  • Stand out from the competition by introducing innovative products and services.
  • Offer exclusive solutions like cash-to-keys programs, no-contingency contracts, or buy-now-sell-later options.
  • Capture realtors' attention and demonstrate your commitment to providing unmatched value.

• Adapting to Market Changes:

  • Real estate is constantly evolving, and so should your value proposition.
  • Stay ahead of market trends and proactively adapt your services to meet the changing needs of realtors.
  • Be forward-thinking and flexible, positioning yourself as a reliable resource in any market condition.

• Empowering Your Realtors:

  • At the core of creating value is empowering realtors to thrive.
  • Offer them access to valuable resources, training, and education.
  • Support them in enhancing their skills and knowledge, and they will appreciate your commitment to their success.

In a highly competitive real estate landscape, creating value is not just an option; it's a necessity. By understanding the needs of realtors and providing tailored solutions, you can build lasting relationships and achieve long-term success. Creating value means transforming realtors' experiences, empowering them to reach their full potential, and propelling your business to new heights. Embrace the journey of value creation and witness the remarkable impact it can have on your mortgage business in the real estate world.

Fobby Naghmi and Madison Keenan are joined by Cory Parker and Nicole McGonagle in a captivating conversation that highlights the importance of exercise, nutrition, and finding balance in the lives of mortgage professionals.

In today's fast-paced world, where work, fitness, and overall well-being can be challenging to balance, mortgage professionals often find themselves immersed in a demanding work environment that takes a toll on their physical and mental health. There is a way to achieve harmony and prioritize self-care even in this environment.

During the discussion, participants reveal how exercise plays a vital role in their lives. Sharing their experiences and insights, they delve into the transformative power of physical activity. Cory and Nicole emphasize the significance of a structured workout routine, consistency, pushing limits, and gradually increasing weights to achieve their fitness goals. This dedication to exercise resonates deeply within the mortgage industry, where discipline and perseverance are paramount for success.

Beyond physical fitness, the gym has profound effects on mental well-being and productivity in the workplace. Participants describe how exercise energizes and sharpens their focus, enabling them to tackle the workday with renewed vigor. A morning workout sets a positive tone, boosting mood, reducing stress, and enhancing cognitive function. By prioritizing exercise, mortgage professionals can optimize productivity and approach their work from a position of strength and clarity.

Nutrition: Fueling the Body and Mind: In the mortgage industry's demanding schedules, proper nutrition often takes a back seat. However, the conversation highlights the significant impact of nutrition on overall health and performance. Good nutrition complements exercise, providing the necessary fuel for thriving bodies. Whether through mindful eating or maintaining a balanced diet, incorporating healthy food choices into daily routines is essential for sustained energy levels, mental clarity, and overall vitality.

The Power of Yoga and Mindfulness: The discussion also sheds light on the incredible benefits of yoga and mindfulness practices. Madison eloquently describes how yoga enhances flexibility, and strength, and cultivates mindfulness, enabling a deep connection with our bodies and finding balance in life. Yoga serves as a powerful tool for mortgage professionals to release stress, cultivate self-awareness, and foster a calm and focused mind amidst the daily challenges of the industry.

Cardio and Cardiovascular Health: Cardiovascular exercise, including running, sprinting, or elliptical training, emerges as an integral part of overall fitness. Participants share their approaches, such as interval training, to make cardio engaging and less monotonous. Maintaining cardiovascular health is crucial for mortgage professionals who spend long hours sitting, ensuring optimal fitness levels to excel in their careers.

Striking a Balance: As the conversation progresses, it becomes evident that finding balance is the key to success and well-being. Exercise and self-care routines are not just about physical appearances; they directly impact work and personal lives. Participants acknowledge the emotional and mental challenges that arise when they are unable to work out, highlighting the importance of rest days and self-compassion. Striving for balance, whether through yoga, gym workouts, or other forms of exercise, empowers mortgage professionals to perform at their best while caring for their bodies and minds.

For mortgage professionals, exercise, nutrition, and mindfulness are vital components of a healthy and fulfilling lifestyle. Integrating these elements into daily routines enhances work performance, stress management, and overall well-being. Taking care of our bodies and minds is not a luxury but a necessity for sustained success and happiness in the dynamic world of mortgage professionals.

In the latest episode of "Laugh, Lend, Eat with Madness," Madison Keenan and Fobby Naghmi have a conversation that takes an introspective turn as they explore the profound impact of technology on society and the resulting fear it can evoke.

Shifting gears, they delve into the mortgage industry, offering insights from Madison's perspective as a loan officer. Join us as we dive into the dynamic landscape of friendships and clients, where effective communication, genuine connections, and professional expertise intersect.

1. Blurring the Lines: Friends and Clients As Madison reflects on her journey, she shares experiences where clients have transitioned into cherished friendships. Acknowledging the rarity of such occurrences, she highlights the mutual support and trust that blossoms when clients become true advocates. Conversely, she contemplates the challenges that arise when friends become clients, navigating the delicate balance between personal connections and maintaining professional integrity.

2. A Day in the Life of a Mortgage Loan Officer Madison provides a glimpse into her role as a mortgage loan officer, showcasing the myriad responsibilities she handles on a daily basis. From interacting with clients and discussing financial goals to navigating market conditions and interest rate fluctuations, her expertise shines through. With a touch of humor, she candidly shares anecdotes about closing deals, juggling calls, and the thrill of helping clients secure their dream homes.

3. Growth and Reflection: The Power of Podcasting As the hosts intertwine personal anecdotes with professional insights, they reflect on the growth of their podcast. From its humble beginnings to becoming a platform for realtors, loan officers, and homeowners alike, the duo marvels at the diverse perspectives and experiences shared. With each episode, they continue to provide valuable information, fostering a community of engaged listeners.

4. Embracing Technology's Evolution Madison's musings on technology's rapid evolution highlight its undeniable impact on the mortgage industry. From the days of cash registers and Commodore 64 computers to the era of advanced communication and data technology, Madison and Madness ponder the future. Their excitement and trepidation intertwine, acknowledging the transformative power of technology while cautioning against losing touch with reality.

In this captivating episode of "Laugh, Lend, Eat with Madness," Madison and Fobby provide profound insights into the delicate dance between friends and clients in the mortgage industry. With their engaging banter, personal anecdotes, and professional expertise, they shed light on the nuanced relationships loan officers cultivate. By embracing effective communication, trust, and genuine connections, Madison exemplifies the ideal blend of friendship and professionalism. As the podcast continues to grow, their perspectives on technology, growth, and client relationships will undoubtedly inspire both industry professionals and aspiring homeowners alike.

Join Fobby Naghmi & Madison Keenan to discuss how to be your true self on social media. Their guest this time is author, podcast host, and keynote speaker Coach Kyle Draper. This episode explores the dynamic world of social media. From embracing authenticity and personal growth to addressing the challenges of offense and intentional engagement, this summary encapsulates the key discussions and insights shared throughout the series.

Summary: Throughout the series, Coach Kyle Draper emphasizes the importance of being true to oneself in the digital realm. The hosts encourage listeners to show up authentically, fostering genuine connections with their online communities.

As the conversation continues, the focus shifts to personal development. Coach Kyle Draper shares his transformative journey, highlighting how social media can catalyze self-discovery and growth. The hosts delve into the power of self-reflection and self-awareness, urging listeners to utilize social media as a platform for personal growth and self-expression.

Addressing the challenges of getting offended on social media, the hosts explore the psychological impact of offense and advocate for personal responsibility. They emphasize the importance of questioning rather than judging others, finding a balance between personal and professional personas, and fostering intentional engagement.

The hosts discuss resilience and intentional content creation. They highlight the power of authenticity, address comparison tendencies, and emphasize the importance of embracing successes and setbacks in social media presence. Individuals can navigate the online world with resilience and intentionality by reflecting, growing, and creating meaningful connections.

Conclusion: Mastering social media requires embracing authenticity, overcoming offense, and nurturing personal growth. In this engaging podcast series, Coach Kyle Draper and the hosts empower listeners to navigate the online world with resilience, intentionality, and self-awareness. By being true to oneself, embracing personal growth opportunities, and approaching social media with an open mind, individuals can cultivate a meaningful digital presence and positively impact their online communities.

In this inaugural episode of "Laugh, Lend and Eat: Soy Latino," Vince Caicedo and Fobby Naghmi set the stage for a vibrant and informative podcast dedicated to serving the Spanish-speaking mortgage professional community.

They share their passion for the Spanish language, discuss the challenges of the real estate market, and introduce innovative programs such as "Buy Now, Sell Later."

With Homecomings Mortgage's bilingual team and commitment to inclusive and diverse representation, this podcast promises to be an invaluable resource for Spanish-speaking listeners seeking to grow their careers in the mortgage industry.

Episode Highlights:

1. Spanish Language and Culture:

   • Vince and Fobby express their enthusiasm for the Spanish language and its significance in the mortgage professional community.
   • They highlight the importance of diversity and inclusivity in representing all voices within their "Laugh, Lend, and Eat" community.
   • The hosts discuss their own experiences with Spanish-speaking radio shows and the positive response from listeners.

2. Real Estate Market Challenges:

   • Vince discusses the real estate market in Jacksonville, Florida, highlighting its growth and influx of families relocating to the area.
   • The hosts address the common concern among homeowners about selling their homes and not finding suitable replacements due to low inventory.
   • They emphasize the significance of the Hispanic market in Florida, with one in four families being Hispanic and an increasing number of first-time Hispanic homebuyers.

3. Introducing the "Buy Now, Sell Later" Program:

   • Fobby introduces a unique program called "Buy Now, Sell Later," offered by Homecomings Mortgage.
   • This program allows homeowners to purchase a new home and gives them 180 days to sell their previous home, offering flexibility and peace of mind.
   • The hosts express their excitement about this program and its potential benefits for homeowners in today's competitive market.

4. The Secret Sauce of Homecomings Mortgage:

   • Vince explains the secret sauce behind Homecomings Mortgage's success, highlighting their efficient process and comprehensive support.
   • The hosts emphasize the advantages of a bilingual team that assists Spanish-speaking borrowers, from origination to processing and closing.
   • They discuss the team's ability to cater to the needs of Hispanic homebuyers and provide them with a seamless and comfortable experience.

Stay tuned for more engaging discussions, exciting guests, and a celebration of Latin flavor on future episodes of "Laugh, Lend and Eat: Soy Latino."

Introduction: Welcome to another edition of "Laugh, Lend, and Eat" with the one and only Madison Keenan and Fobby Naghmi of Homecomings Mortgage &Equity. In this episode, Madison reflects on her experiences in the mortgage industry, discusses the challenges she faces, and acknowledges her growth and achievements over the past few years. Join us as we delve into the intricacies of time management, maintaining client relationships, and finding gratitude amidst the ups and downs of the industry.

Finding Balance in the Chaos: Madison kicks off the conversation by acknowledging the hectic nature of her work and the challenges it brings. She highlights the constant phone calls, varying levels of business, and the struggle to balance personal and professional commitments. Despite these challenges, Madison recognizes that she is doing well, especially considering the industry's current state. She expresses gratitude for her accomplishments and the opportunities that have come her way.

Building Relationships with Realtors: As a mortgage professional, Madison understands the importance of building solid relationships with real estate agents. She emphasizes the significance of quality time spent with realtors rather than focusing solely on quantity. Madison admits to her struggle with time management and reflects on her journey to find the right Balance. She acknowledges that controlling the conversation during meetings and allocating sufficient time for other important tasks are essential skills to master.

Navigating Personal and Professional Growth: Madison's growth in the mortgage industry has been significant since her early days. She reflects on her progress and her milestones, such as doubling or even tripling her production. Madison attributes her success to perseverance, following her intuition, and maintaining strong client relationships. She shares her experience of going through difficult periods and becoming stronger on the other side.

Dealing with Loss and Continuing Forward: Madison commemorates her father's two-year anniversary during this episode. She discusses her father's impact on her life and career, remembering him as a great listener. Madison shares a personal story about her first closing after her father's passing and the understanding and support she received from her client during that challenging time. She reflects on how her father's memory inspires her to keep going, even during challenging moments.

The Mortgage Industry: A Unique Journey: The hosts recognize that the mortgage industry is a unique and challenging field. They compare it to the mob, saying it doesn't choose you; you choose it. They acknowledge that the financial rewards in this industry are significant, making it a lucrative career choice. Despite the moments of doubt and thoughts of leaving, the hosts highlight the financial stability and potential for growth that the mortgage industry offers.

Conclusion: Madison's journey in the mortgage industry has been filled with highs and lows, personal and professional growth, and the ability to navigate challenges. She expresses gratitude for the opportunities she has received and acknowledges that, despite the difficulties, she is doing well. The hosts recognize the industry's financial rewards and impact on their lives. Ultimately, Madison's story is a testament to the resilience and determination required to succeed in the mortgage industry.

Join Fobby Naghmi, Madison Keenan, and the Real Realtors of New Jersey, Gina Scodella and Kristina Hajhassan, as they dive into the gripping world of real estate stories, and the Real Realtors open up as they recount their most challenging experiences in today's unpredictable market. Prepare to be immersed in tales of intense competition, soaring prices, and bidding wars that have become the new normal in the industry. These agents have seen everything from properties originally designed as summer rentals now commanding outrageous prices to frustrated buyers and sellers caught in the frenzy. Communication breakdowns take center stage as agents share jaw-dropping stories of customers wanting more than they can afford, outdated technology, and unexpected document issues that threaten to derail deals. Discover how these agents rise above the chaos, finding creative solutions and keeping transactions on track. Get an insider's look into the demanding world of real estate as agents juggle multiple contracts and navigate the demands of their clients. Hear firsthand accounts of the mental and emotional toll the job can take, balanced by the satisfaction of successfully closing deals. Join us for this eye-opening episode, where we explore the resilience and dedication of real estate agents facing challenges head-on. Discover the secrets behind their ability to survive and thrive in an ever-changing market. Don't miss out on this thrilling journey through real estate horror stories that will leave you inspired and informed. Hit that play button now!

Welcome to another captivating episode of the Laugh, Lend & Eat podcast! In today's show, we embark on a remarkable journey with our special guest, Joe Panebianco, CEO of AnnieMac Home Loans. Join our host, Fobby Naghmi, as he explores the fascinating world of housing market trends, personal growth through stoicism, and the power of giving back to the community. Get ready to be inspired and motivated as we uncover the key takeaways from Joe's transformative story.

Fobby sets the stage by addressing the prevalent housing crunch and the shortage of available inventory in the market. He highlights the urgency to find solutions and shares insights from The New York Times editorial that shed light on the limited number of listings nationwide. A seasoned expert, Joe Panebianco, explains how the rapid absorption of mortgage originations has led to a scarcity of refinancing opportunities and available homes for sale. He emphasizes the need to motivate sellers by assuring them of low-interest rates and reduced financial burdens, thus reinvigorating the housing market.

Fobby takes a moment to acknowledge Joe's expertise and shares how his previous talk on writing one's own obituary impacted him. Joe reflects on the differences between the 2008 and current housing crises, highlighting the challenges of limited inventory and affordability concerns. He emphasizes the importance of maintaining a positive mindset and viewing these challenges as opportunities rather than insurmountable obstacles. The conversation highlights the need for continuous improvement and personal growth in navigating the housing market.

In a departure from the usual discussions, Fobby delves into the topic of government involvement in addressing the shortage of new homes. He emphasizes the need for incentives and improved infrastructure to encourage the creation of housing options. Joe acknowledges the significance of government intervention but sheds light on the challenges posed by local zoning committees. He stresses the importance of finding ways to facilitate the construction of affordable starter homes, addressing the demand for smaller, more affordable properties.

The conversation takes a fascinating turn as Fobby explores Joe's personal growth journey. Joe reveals how his exploration of stoicism through reading ignited a transformative change in his life. He emphasizes the importance of timing and personal investment in the growth process. Joe encourages listeners to explore diverse topics and find their own sources of inspiration, resonating with their own experiences. He shares valuable insights into self-reflection, goal setting, and finding balance in various aspects of life.

Philanthropy and Giving Back: The final segment focuses on Joe's dedication to giving back to the community. He reveals his organization's philanthropic endeavor centered around supporting military veterans and their well-being. Joe expresses his admiration for the US military and shares how his organization sponsors dogs trained to provide support and companionship to veterans, particularly those with PTSD. The conversation highlights the transformative power of philanthropy and the impact individuals and organizations can make by aligning their efforts with causes that resonate deeply with their values and passions.

As we conclude this enlightening episode, we reflect on Joe Panebianco's incredible transformation journey. From navigating the challenges of the housing market to embracing stoic philosophy and making a difference through philanthropy, Joe's story is a testament to the power of mindset shifts, personal growth, and giving back. We encourage you to embrace the lessons learned and consider how to apply them to your life. Remember, your journey of transformation starts with a willingness to explore, grow, and make

In this episode of Laugh, Lend & Eat, our host Fobby Naghmi is joined by the founder of Mortgage Marketing Animals, Carl White. Carl shares his unconventional but highly effective strategies for success in the mortgage industry. Through his straightforward and no-nonsense approach, Carl emphasizes the importance of building relationships, leveraging realtor referrals, and focusing on proven methods rather than chasing social media trends. Let's delve into the key takeaways from this insightful conversation.

1. Redefining Failure and Embracing Testing: Carl believes that redefining how we perceive failure is crucial. By considering unsuccessful attempts as learning experiences rather than failures, loan officers can eliminate the fear of failure and become more open to testing new strategies. Carl, a meticulous tester himself, highlights the importance of studying and testing various approaches to identify what works best.

2. Embrace the Power of Offers and Rejections: Carl's formula for success is simple: offers minus rejections equals money. He emphasizes that loan officers must make more offers to increase income, which naturally leads to more rejections. Rather than trying to avoid rejections, focus on increasing the number of offers made. Loan officers can achieve greater success by reframing rejections as a natural part of the process.

3. The Art of Simplification: Carl encourages loan officers to avoid overcomplicating processes. While being intelligent is valuable, overthinking and making things more complex can hinder success. Carl believes in being brilliant at the basics and removing distractions. Loan officers can maximize their efficiency and productivity by streamlining workflows and focusing on what works.

4. Realtor Referrals and Past Database Marketing: According to the Mortgage Bankers Association, realtor referrals are the top source for loan officers, accounting for 35% of loans. Carl emphasizes the importance of building strong relationships with real estate agents and leveraging their referrals. Additionally, he highlights the effectiveness of marketing to past clients and their friends and family. By nurturing these relationships, loan officers can generate a significant portion of their business.

5. The Surprising Role of Social Media: Contrary to popular belief, the influence of social media in the mortgage industry is relatively low. The Mortgage Bankers Association's data revealed that only 3% of loans originated through social media, while online search accounted for 11%. Carl encourages loan officers to prioritize realtor referrals and past database marketing, which have proven to be more effective in generating business.

Conclusion: Carl's unorthodox but highly effective strategies offer valuable insights for loan officers aiming to thrive in the mortgage industry. Loan officers can achieve remarkable success by redefining failure, embracing testing, focusing on relationship-building, and leveraging realtor referrals. While social media and online search have their place, Carl emphasizes the importance of prioritizing proven methods and avoiding the distractions of trendy marketing approaches. By implementing these principles, loan officers can elevate their performance and build a thriving business.

Join Fobby Naghmi as he learns from Madison Keenan an eye-opening statistic about women and credit card debt. Women tend to have higher credit card debt than men, and it's a problem that needs to be addressed. Madison was shocked to learn that women couldn't even open a credit card until 1974, highlighting the systemic undereducation of women in finances. But don't despair! The hosts offer a glimmer of hope with some excellent resources to empower women.

As mortgage industry professionals, Fobby and Madness have a wealth of experience and knowledge to share, and they don't disappoint in this episode. They start by discussing loan-level price adjustments (LLPAs), which have been a source of confusion for many people. The hosts explain that LPAs are not new and are designed to mitigate risk. They also explore how credit scores and down payments can affect LLPAs, but note that it's a case-by-case situation. They also share their predictions for the future of LLPAs and suggest that the introduction of LLPAs for DTI ratios by Fannie Mae will help to balance everything out. Additionally, they briefly touch upon the potential benefits of increasing the credit spectrum to allow more homeowners to buy homes.

Moving on, Fobby and Madness turn their attention to the current state of the housing market. With a low number of available housing listings and a high number of licensed real estate agents, the demand for homes is at an all-time high. The hosts explore the implications of this trend, discussing the challenges prospective buyers face and how the industry adapts to meet their needs.

The conversation then takes a personal turn as Madison shares a recent experience with a client who failed to disclose important information, leading to complications in the loan process. They use this example to highlight the importance of transparency in mortgage and real estate transactions and to encourage listeners to be forthcoming with all relevant information.

And finally, Fobby and Madness give listeners a taste of what's to come by previewing their upcoming guests, including Linda Percoco, the owner of Max Title Agency, who has 25 years of experience in owning her own title company.

With humor, insight, and practical advice, Laugh, Lend and Eat with Madness is an engaging and entertaining episode of ⁠Laugh, Lend, and Eat⁠ with Madness. They are exploring a wide range of topics in their signature lighthearted and informal style. Before delving into the fascinating world of mortgages and real estate, the hosts take a meandering journey through various subjects, including personal videos, technical issues, and favorite music.

If you're a mortgage loan officer who wants to excel in your career or someone who is interested in the mortgage industry, coaching, or personal growth, this episode is for you! In this episode, we're joined by three experts in the mortgage industry: Shawn Weeks, Kim Clancy, and Byron Thomas. These professionals discuss the importance of coaching with Fobby of 20/20 Vision for Success as the way for them to grow and succeed. Mortgage loan officers are responsible for helping people navigate the complex process of buying or refinancing a home. To excel in this role, it's essential to have a thorough understanding of the industry and to be able to communicate effectively with clients. However, even the most experienced loan officers may face challenges such as burnout, self-doubt, or a lack of direction. This is where a professional coach comes in. A coach can help loan officers identify their strengths and weaknesses, set goals, and develop a plan for achieving those goals. Coaches can also provide valuable feedback and support, helping loan officers stay motivated and focused even during difficult times. During the podcast, the guests discuss their own experiences with coaching and offer insights into finding the right coach, preparing for coaching sessions, and understanding the coaching timeline. They also highlight the importance of pushing comfort zones and being open to learning new things. Byron emphasizes the impact his military training has had on his mortgage career. Keywords: mortgage industry, coaching, personal growth, professional development, loan officer, finding the right coach, coaching timeline, military background.

What is the risk of staying in your current job? Is it courage or faith that pushes us to leap into the unknown? In today's rapidly changing job market, career decisions can be daunting. Get ready to make informed career decisions with hosts Fobby Naghmi and Michael David Chapman on the latest episode of "Beyond the Numbers."

Here are the highlights of this engaging and informative episode:

Risk Versus Reward

One of the biggest challenges people face when considering a job change is weighing the potential risks versus the rewards. The hosts explore the risks of changing jobs, including uncertainty and reputational risk, and how these can outweigh the rewards. They provide real-world examples of people who have taken big risks in their careers and share valuable insights into making informed decisions.

Emotional Awareness and Accountability

When it comes to making important career decisions, emotional awareness and accountability are key. The hosts emphasize the importance of having unbiased people in one's life who can help weigh the risks and make the best decisions. They discuss the role of fear and how it can hold people back from acting. They suggest that acknowledging one's fears, moving forward with faith, and trusting that things will work out is an important step toward making informed decisions.

The Importance of Courage

The hosts touch upon the concept of courage and how it can be a deciding factor in making big career moves. They describe courage not as the absence of fear but as the willingness to act despite fear. They encourage listeners to embrace their fears and take calculated risks, reminding them that success often requires stepping outside their comfort zone.

"No Company Is Perfect"

The conversation then shifts to "no company is perfect," which some candidates may use to decline a job offer. While it may be true that no company is perfect, the hosts caution against using this statement as a cover for unrealized fear or as a way to generalize and broad brush a company. They advise candidates on evaluating risks and rewards when considering job offers, suggesting that a company's values and culture should be considered.

Truth versus "My Truth"

Finally, the hosts propose the topic of the difference between truth and "my truth" and how this can impact one's perceptions and decisions. They suggest that how people perceive and interpret the world is influenced by their experiences and beliefs, which can sometimes lead to misunderstandings or misinterpretations. They invite their listeners to share their thoughts and experiences on this topic, encouraging them to think critically about their own perceptions and beliefs.

Overall, "Beyond the Numbers" hosts offer valuable insights and perspectives on risk, courage, and decision-making in the context of career and life choices. Their use of personal anecdotes and emphasis on emotional awareness and accountability make for an engaging and thought-provoking podcast episode. Tune in and gain valuable insights for your career journey.

Join Fobby Naghmi as he interviews Darin Dawson, the President and Co-Founder of BombBomb, the groundbreaking video messaging platform. In this engaging conversation, Darin shares how he and his co-founder Conor McClusky started BombBomb in 2006, revolutionizing how businesses connect with their potential customers.

Darin describes how BombBomb enables personalized video messages to be sent to potential clients without interrupting them with intrusive calls and emails. With BombBomb, businesses can send engaging video messages that build trust and relationships with their clients while maintaining the human element often lost in digital communication.

The company's name came from a URL Connor had attempted to purchase, "bomb.com," which someone already owned. However, the name "BombBomb" stuck, and the company's fun and unique personality were born. Darin shares how the ease of use and speed of BombBomb ensures that videos never get lost, making it an efficient and reliable communication tool.

But it's not just about convenience and efficiency. Darin emphasizes the need for human connection in a world dominated by digital pollution. In particular, he highlights the importance of humanizing experiences, especially in industries like mortgages, where trust is essential. While technology can make things easier, the human touch builds relationships and trust.

The conversation takes a fascinating turn as the host expresses concerns about the trend of using AI to trick people into thinking they are interacting with real humans. However, Darin believes that authenticity and the human element are crucial in business, and using AI to mislead customers is not the way forward. He shares his experience using a travel agent when planning a trip to Italy, emphasizing the value of personalized human interaction.

So, whether you're a business owner looking to connect with your clients or simply someone who values authentic human connections, this conversation with Darin Dawson is not to be missed!

Highlights: 

• BombBomb is a video messaging platform that allows businesses to send personalized messages to potential customers without interrupting them with calls and emails.
• The company was founded in 2006 by Darin Dawson and Conor McClusky, who were the first to send a video through email, and the response was overwhelming.
• BombBomb got its name from a URL that Connor had tried to purchase, "bomb.com," which was already taken.
• The company's personality is centered around being fun and unique, with a focus on ease of use and speed.
• The need for human connection in a world dominated by digital pollution is crucial, and BombBomb enables businesses to maintain the human element in digital communication.
• The importance of humanizing experiences, especially in industries like mortgages where trust is essential, is highlighted.
• While technology can make things easier, it's the human touch that builds relationships and trust.
• The use of AI to trick people into thinking they are interacting with real humans is not the way forward, and authenticity and the human element are crucial in business.
• Personalized human interaction, as experienced through a travel agent when planning a trip to Italy, is still highly valued.

In this episode of Laugh, Lend & Eat, host Fobby Naghmi and guest Jeff Lobb, founder, and CEO of Sparktank Media, share an inspiring conversation that will leave listeners motivated and optimistic about their goals and dreams.

The episode covers various topics relevant to anyone who wants to succeed in any industry, particularly in the real estate industry. Lobb shares his insights on the importance of transparency and how he helps real estate agents navigate market shifts and overcome anxiety and stress.

One of the key takeaways from the episode is the importance of execution and accountability in achieving success. The guest shares his experience coaching and motivating people to execute ideas and how only a small percentage of people follow through. However, the conversation is far from discouraging, as the guest and host discuss the role of accountability in motivating people and the psychology behind it.

The episode contains personal anecdotes and inspiring stories of triumph over adversity. Lobb talks about how fear motivates him to keep pushing himself and achieving his goals, even after setbacks. He shares his personal motivator: fear of experiencing his worst moments again. This vulnerability and openness make the episode relatable and inspiring.

The conversation also covers the importance of connecting with people and working hard, particularly in the current market. Lobb discusses the 5% club, which refers to the small percentage of people who execute ideas and excel, while the majority do not. The guest and host talk about the importance of accountability and how motivating people to achieve their plans can be challenging. Still, they also offer practical tips and insights for listeners to put into action.

The episode is not just about personal motivation and accountability, however. Lobb also discusses his approach to providing value to real estate agents and brokerages by helping them with sales strategies, social media tactics, and differentiating themselves in their marketing to beat their competition. He emphasizes the importance of executing these strategies and helping agents with their three pain points of generating listings, leads, and sales.

Overall, this episode is a must-listen for anyone who wants to succeed in business and in life; filled with practical tips, personal stories, and inspiring insights.

Topics covered: Importance of transparency in the real estate industry

-Navigating market shifts and overcoming anxiety and stress
- Execution and accountability are key to achieving success
- Coaching and motivating people
- A small percentage of people follow through
- Psychology of accountability
- Personal anecdotes and inspiring stories of triumph over adversity
- Fear as a motivator
- Connecting with people and working hard
- The 5% club
- Importance of accountability in motivating people
- Providing value to real estate agents and brokerages
- Sales strategies, social media tactics, and differentiation in marketing
-Three pain points of generating listings, leads, and sales

Key takeaways: Execution and accountability are crucial to achieving success
- Fear can be a powerful motivator
- Only a small percentage of people actually follow through on their ideas
- Personal stories and anecdotes can be inspiring and relatable
- Connecting with people and working hard are essential for success
- Real estate agents and brokerages can benefit from sales strategies, social media tactics, and differentiation in marketing
- The three pain points of generating listings, leads, and sales can be overcome with the right strategies and approach

Fobby Naghmi and Madison Keenan celebrate the first anniversary of Madison joining the Laugh, Lend & Eat team.

Madison shares some tips on how she helps her borrowers increase their credit scores, including:

• Keeping credit card balances low and paying them off in full each month
• Disputing any errors on their credit reports
• Keeping old credit accounts open to maintain a longer credit history
• Limiting the number of credit applications and inquiries they make
• Making all payments on time, including rent and utilities.

They discuss manicures and how they can reflect a Jersey girl's week. As Madness shares her nails, it has been a rough week for Madness.

They also talk about a recent trip Fobby took to Jacksonville, where he saw a customer service rep with very long fake nails. He wondered about the challenges of typing with long nails.

The hosts then reminisce about past episodes and guests, including Kyle Draper, Johnny D, and Steve Scanlon, the "lizard brain guy."

Fobby asks Madison the top three things she's learned from being a podcast host.

First, Madison emphasizes the importance of stepping outside one's comfort zone, which has helped her showcase different aspects of her personality and business.

Secondly, she mentions the importance of time management, which became critical as she had to allocate time for podcasting and other business aspects.

Lastly, she talks about the importance of saying no, which helped her prioritize and focus on what was truly important. Madison also reflects on how podcasting has provided her with a safe space to reflect and learn, and she plans to use these experiences to guide her future endeavors.

Relevant Links Website: www.housingwire.com. LinkedIn: Clayton Collins.  

Follow the podcast: www.laughlendandeat.com Host: Fobby Naghmi.