Hey, gang, Carl White here, broadcasting in the studios today here in the secret headquarters

of the mortgage marketing animals.

And you are listening to Loan Officer Freedom number one podcast in the world today.

And all because you knew that someday we would snag russell

fernandez as our guest and that's exactly what we've done so we got with your agent we wrote

the appropriate check to make it happen russell great to see you here buddy how you doing man

doing well do well the honor to be on the show. Yeah. So, you know, you were,

you were kind enough to share. You listened to the show for the last five years. And now,

brother, you have earned your spot to be on here. And Russell, you have indeed earned your

spot. So, so kudos to you, my man. First of all, just a small introduction.

You're listening to the right episode.

If you want to hear Al Russell, I think, would you say in March you closed 15 units and this month they're closing like 12 or something like that?

Right, right.

Good, good solid numbers, man.

Thank you.

Yeah. So, and we're going to just kind of unpack that

and see how do you make it happen so before we get into that give us a little layout of the land like

where where you located at broker banker branch manager loan officer give us a little background

so i'm a mortgage banker i work at a bank over here in

the southeast. I lived in North Augusta, South Carolina. One exit down is another state. It's Augusta,

Georgia, where they play the Masters. So that's where I'm located. And I work at a bank. Yeah.

Nice, nice, nice. Cool. So when you do these, so are you, so at the bank, so these, this, this 12 and 15 units, 15, one month, 12 the next, are these like your loans or is it a team of loan officers that you're kind of a manager of or is that your own personal production this is just me this is all self-generated we don't get any walk-up traffic over

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