Using AI To Clear Underwriting Conditions

Loan Officer Freedom

Carl White

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

5 • 743 Ratings

🗓️ 15 October 2025

⏱️ 12 minutes

🔗️ Recording | iTunes | RSS

🧾️ Download transcript

Summary

Episode 591

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

In this insightful episode, Carl sits down with top-producing loan officer Mike Steplowski from Mount Juliet, Tennessee, to uncover how his team is using AI to clear underwriting conditions faster than ever. Mike shares how his crew leverages a free AI tool called Perplexity to instantly find answers straight from agency guidelines, cutting out the hours of manual searching and reducing interruptions so everyone stays focused on closing loans.

Carl and Mike break down how this simple shift has streamlined communication, boosted productivity, and helped his team close 13 loans in a single month while freeing Mike from being the “easy button” for every question. They also touch on how sticking to the basics of the Daily Success Plan continues to fuel steady, referral-based growth even in a changing market.

This episode is a great reminder that technology doesn’t replace good habits, it amplifies them. When your team knows where to find answers, you stay focused on what really moves the needle: conversations, closings, and client relationships.

If you’d like to connect with Mike, click here to find him on Facebook.

Join Loan Officer Breakfast Club at LoanOfficerBreakfastClub.com where we share ideas like this every weekday morning and even send you the replays if you can’t make it live.

Schedule a one-on-one free coaching call, click here or visit LoanOfficerStrategyCall.com.

Transcript

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0:00.0	Mike Stablowski, man.
0:08.4	How you doing, brother?
0:09.1	I'm well.
0:10.2	So we were just sitting here talking.
0:11.7	You and I check in every couple weeks or so, and you dazzle me with all the greatness that you're doing.
0:18.0	Tell me about where you're located at.
0:19.8	I'm in Mount
0:20.9	Juliet, Tennessee, which is a suburb of Nashville. Yeah, beautiful area. Yep. So we were just
0:26.2	talking, and you just told me about a little software that sounds pretty darn impressive. What was
0:31.9	the name of it again? It's perplexity.a.I. Just a website. It's a, you know, it's comparable to your chat, GPTs, or Claude.
0:41.2	It's just another AI engine, if you will.
0:45.0	And we've been using it our team to,
0:47.8	or my team has been using it to solve loan problems
0:51.5	or get answers to questions instead of coming to me.
0:54.6	Yeah.
0:54.9	And by the way, you were just sharing with,
0:56.8	okay to give your numbers that you just shared with me,
0:59.8	your production numbers?
1:01.1	Sure.
1:01.7	So in October, you're closing 13, which is really good, man.
1:06.4	That's good.
1:06.9	By the way, do you know how many loans the average loan officer closed the month of October?
	...

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