Hey, everybody. This is Carl White. I am your hostess with the mostus here as you're listening to Loan Officer Freedom. Number one podcast in the world today for loan officers. And my my cohort here is chuckling at the hostess with the mostus who came up with that i i hear

somebody saying that in my head that's what i call my wife i mean you know but i'm not used to a dude

saying that but hey if it works like what are your pronouns these days maybe maybe i mean to

adjust them here that's my pronoun is hostess with the mostest. So I like that. So anyway, so my host, my, my, my, my, my, my, my, my, my, my, my, my, my, my, my, my, my, my, my, my, my, my, my, my, my, my, my friend, long, long, time partner, business partner, Mr. Ralph Watkins himself. Uh, uh, entrepreneur or mortgage extraordinary. How you doing, my man? Well, I was doing great until I got on here, and now it's even better. Yeah, now it's even better. You know, we just haven't, we haven't done this in a minute, and I've been, I've been Joneson, so this is great. It has been a while. You were one of my very first episodes, if I remember right, when we first started this.

If I remember right, we...

A hotel room in Denver, maybe? I don't know.

Well, no, I wasn't going to tell about that time.

But I think we were...

I thought it was in my radio room over there at the house recording.

Who knows?

Well, we've certainly engaged there before.

We have certainly engaged there before, so on podcast episodes.

So all right, let's jump into this.

So what we're going to do, Ralph has run a very, very, very successful mortgage practice.

I'm currently a non-producing branch manager, one of the largest branches in the nation.

Thanks in big part to my dear friend, Ralph Hu, is the one that actually got me in the mortgage

business.

23, four years ago, something like that.

Yeah.

Man, neither one of us had any idea.

I still remember the conversation that night. Do you remember the conversation, by the way? I do. It was over at Tammy's

house. Well, actually, I think at the time you stop by my office. Well, that was, that was, you know,

...