Laugh, Lend and Eat

Tacos, Trade Shows & Truth Bombs

Dalila Ramos goes to more mortgage conferences than anyone we know: over 20 this year. So we asked her what really happens at them, and she brought the truth bombs. Befo

The Loan Officers Who Survive This Market Will Own the Next One

The mortgage market isn't getting any easier. Rates are high, affordability is a challenge, buyers are hesitant, and some experienced loan officers are deciding it's time

What’s Inside Your P&L? | Mortgage P&L Breakdown — Part 1

Most loan officers know how to read a rate sheet. Far fewer know how to read a P&L. In this episode of Laugh, Lend & Eat, Fobby Naghmi and Justin Neal sit down with Gabe

2026: First Year as a Loan Officer — Getting Comfortable with the Uncomfortable

What does it really feel like to start over in mortgage when you have zero industry experience? In this episode of Laugh, Lend & Eat, Fobby Naghmi and Justin Neal sit do

Top 10 Mortgage Fraud Red Flags for 2026

Fobby and Justin open with Labor Day mortgage-market news — rates at a 12-13 month high, a surprising bump in purchase applications, UWM's FHA/VA share gain, Rocket's bro

Behind the Curtain with the Mortgage Nerd

Denise Donoghue closed 724 families in her best year — solo. Less than 2% of it came from social media. Donoghue, known across the industry as "The Mortgage Nerd," joins

Tacos, Trends & Trust w/ Dalila Ramos

Fobby and Justin kick off the second half of Season 7 after a six-week break, joined by returning guest Delilah Ramos — a self-employed mortgage industry connector, brand

Can AI Replace the Mortgage Loan Officer?

Artificial intelligence is changing the mortgage industry faster than anyone expected. Homebuyers are arriving with better questions, more information, and AI-generated a

Construction Perm, Builder Relationships & Ricky Peacock

He walked away from a company that was generating $80m in annual revenue...he had built it from scratch. The reason why will change how you think about your career. Rick

Unplugged & Unfiltered: CEO Roundtable 2026

What do CEOs say after a town hall meeting ends? Two sitting mortgage CEOs. No script. No talking points. Just the conversation that usually happens after everyone else

7 out 10 Customers Trust their Loan Officer

Seven out of ten buyers don't believe their loan officer is acting in their best interest. That's not a perception problem — it's the biggest barrier standing between you

Who's Fighting For You in Washington, DC? Justin Wiseman That's Who.

Most mortgage professionals have no idea how many critical housing decisions are being made behind closed doors in Washington, D.C.While most of us are focused on rates,

The Tinder of Mortgage Recruiting Is Here, and Recruiting Will Never Be the Same Again

What if loan officers could explore their options without anyone knowing? Ellen Duncan, Founder & CEO of mLOOP and former CMO of AnnieMac Home Mortgage, joins Fobby on t

Is The Data Lying? Or Are Top Producers Pulling Away?

71.5% of all mortgage volume. Closed by 30% of loan officers. Is the data lying? Or are top producers just pulling away? In this episode of Laugh, Lend & Eat, Fobby deb

High Tech, High Touch: Dale Vermillion's Formula for Winning in the 2026 Mortgage Market

In this high-tech mortgage world we live in, we forget how important the human touch is. In true form, Dale reminds us that we need to not only survive 2026 but to move f

Your Thoughts Are Not You, But Your AI Thinks They Are

We've had meditation teachers, psychologists, nutritionists, and a psychic on this show trying to fix what's wrong with mortgage people. None of it worked. So this time w

Meet the Recruiters '26

Most mortgage professionals don't know they could be forced to move with zero warning.Every year, we bring in the best recruiters in the mortgage industry for one unfilte

What Loan Officers Are Getting Wrong Right Now (And It’s Costing Them Deals) | Christine Beckwith

If you think rates are the reason your business is slow… you’re already losing.This episode pulls no punches.In this conversation with Christine Beckwith, we break down t

What CMOs Won't Say in Front of Their CEO

Is mortgage marketing actually broken — or is the real problem leadership? Fobby sits down with two of the sharpest fractional CMOs in the mortgage space, Bri Lees and L

70% of your cost problem isn’t the market… it’s you.

While you're blaming the market… others are quietly winning. So what do they see that you don’t? In this episode of Laugh, Lend & Eat, I sit down with Melissa Langdale,