Loan Officer Podcast: Build Your 3-Hour Power Block

Loan Officer Freedom

Carl White

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

5 • 743 Ratings

🗓️ 16 June 2025

⏱️ 11 minutes

🔗️ Recording | iTunes | RSS

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Summary

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

In this episode, your host, Carl White, busts the myth that longer hours mean more closings—and shares how focused effort wins every time.

He walks through the 3-hour daily system that top-producing LOs use to double their volume while taking their nights and weekends back.

You’ll hear the real-life story of “Debbie” who traded 12-hour days for focused mornings and now closes more loans than ever.

If you’re ready to stop chasing busy work and start making real money with real balance, this one’s a must-listen.

Transcript

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0:00.0	Why three hours a day can out earn 10 hours a day.
0:12.3	There's a bold promise.
0:14.1	Hey, Carl White here.
0:15.6	Hey, I want to talk to you about today about one of the biggest myths in the mortgage business.
0:20.8	And what's that myth? If I just
0:23.7	work more, I'll close more. Not true. Totally not true. And in fact, some of the highest earning
0:34.1	loan officer I know work less than most, right? But they do one thing differently.
0:39.8	And that's what we're going to unpack here today. So this episode is called why three hours a day
0:45.1	can out-earn 10 hours a day. So you've probably heard of the 80-20 rule, right? I think most of us have,
0:53.1	you know, which is 20% of our efforts drive 80% of our results. But in this business, it's more like
1:00.2	95-5, right? Meaning if you work 10 hours a day, maybe, maybe one hour is actually producing income, right?
1:12.1	That's the truth for most, most loan officers.
1:14.6	Maybe not you, but most.
1:16.9	Right.
1:17.2	So, yeah, if you work, if you work 10 hours a day, maybe, maybe one is actually producing income.
1:24.0	The rest, it's email, admin, chasing paperwork, stuff that feels like work,
1:31.0	but doesn't actually move the needle. And the problem is, most loan officers never take the time to
1:37.5	ask, what is my income producing activity? And a little spoiler alert here, it's having conversations, right? But
1:48.0	specifically, it's having conversations or talking to people who can say yes or refer you to
1:55.7	somebody that can say yes. That's it. It's really just that simple. So what happens when you time block three hours,
2:05.2	right? So imagine this. You work just three hours a day, but those three hours are completely
2:12.1	locked in. And what I mean by that is there's no distractions. There's no email rabbit holes, there is no checking in with a file real quick.
	...

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