All right. Hello, everybody. You are listening to Loan Officer Freedom number one podcast in the world today for loan officers.

And I'm broadcasting today in the secret headquarters of the Mortgage Marketing Animal slash Freedom Club.

And you are listening to the right episode.

If you want to hear myself and Cindy Ertman talking about,

if I'm a loan officer, what should I do now?

So my very – so I'm convinced that the reason this has been the number one

podcast for loan officers is because everybody knew that the day would come. It would be February

1st, 2021 that Cindy Ertman would actually be on the show. It was all building up to this moment.

Cindy, it's an absolute honor to have you here,

my friend. Oh, it's such an honor to be asked. It's so fun to be with you, Carl. You know how

much I respect you. That's awesome. Well, cool. So, uh, so you're located in the beautiful state of

California. Where are you actually over there? I am in Manhattan Beach, California. I am

definitely a beach girl, so I'm in the right place. Well, it's a beautiful place. I've been out there

a couple times, and it's an awesome place. So Cindy, I know everybody has heard of you, but just in case

somebody's brand new to the industry, why don't you't you tell everybody like, kind of like, uh, who you are a little bit about your background. And then what you and I are going to talk about if, if I'm a, if I'm a loan officer knocking on your door, which is a very good door to knock on, if I'm knocking on your door and saying Cindy what should I do to ramp up this year what what what kind of action items

would I do where ramp up this year?

What kind of action items would I do?

What tree would I knock on?

Before we do that, though, just a little bit, a couple minutes here just on your background.

The nutshell version.

A 32 year background in the mortgage industry and basically just decided very early on in my career

that I was just going to go to find out who the most successful people were in the mortgage

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