Expanding Your Territory Without Moving ZIP Codes

Loan Officer Freedom

Carl White

Mortgagemarketinganimals, Business, Loanofficer, Getmoreloans, Freedom, Mortgage, Loanofficercoaching, Carlwhite, Education, How To

5 • 743 Ratings

🗓️ 22 September 2025

⏱️ 38 minutes

🔗️ Recording | iTunes | RSS

🧾️ Download transcript

Summary

Episode 584

Welcome to Loan Officer Freedom, the #1 podcast in the country for loan officers, hosted by Carl White.

In this episode, Carl sits down with veteran loan officer Kurt Nielsen to show how you can expand your territory without packing a moving box, using smart delegation, a local presence partner, and consistent communication to serve clients across time zones.

Kurt shares how he lives in Puerto Rico while originating primarily in Hawaii, why answering the phone in real time still beats voicemail every day, and how weekly database touches and realtor value plays like marketing their listings keep him top of mind.

You will hear the simple three-highlighter exercise that forced Kurt to delegate everything outside his money-making, skill-matching, enjoy-doing lane, plus the “write small checks to cash big checks” mindset for hiring a daily success plan caller and setting up an office across from top agents.

Carl and Kurt talk about when an occasional in-person visit helps, when a Zoom coffee works better, and why today’s buyers and agents care more about speed, clarity, and execution than your zip code.

If you want a clear roadmap to build a multi-market footprint like this, grab your seat at the live 2-day event in Clearwater Beach this October by visiting MastermindRetreats.com.

Transcript

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0:00.0	So if you're wondering, can I originate in other areas that I live in?
0:11.8	If you've ever wondered that, this is the episode for you.
0:14.4	So I'm talking a longtime good guy, Mr. Kurt Nielsen.
0:19.4	How you doing, brother?
0:20.5	I'm doing great, Carl. It's been a while.
0:23.6	I've known you for a very long time. And you're the reason my life changed if you really want to
0:30.0	want to know the truth. Well, I appreciate the kind word, but let me tell you something on the
0:34.5	upfront. I don't know if that's kind or not. It sure changed my life. Assuming that you're not in prison today, I'm going to take it as an improvement.
0:43.2	But let me tell you something, brother.
0:44.6	A lot of people hear the message, a handful act on it.
0:47.6	So I give you all the credit.
0:49.6	Anyway, so where are you transmitting at from today?
0:53.1	I'm in eastern Puerto Rico in a place called Pomas Del Mar, Puerto Rico.
0:58.2	All right, and that's where you live?
0:59.9	That's where I live.
1:01.1	All right.
1:02.0	And I see a, so some people are watching this on the, are listening to this on the podcast.
1:08.2	Some are watching it on YouTube.
1:10.0	For those that are watching it on YouTube, we notice there's a little background behind you with the picture of Hawaii.
1:19.1	So you live in Puerto Rico, but some of the loans you fund are in Hawaii?
1:26.5	Virtually all of my businesses in Hawaii, yeah.
1:29.8	I live there for 25 years, and then in 2016, I think, I went to a Freedom Club meeting with you in San Juan, Puerto Rico.
	...

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