The 360 Experience

Starting a mortgage career is hard enough. Starting in your late 40s—with no industry background—and still becoming a $100M producer by year three?

That’s the story of Larry Gonzales, and it’s one every loan officer who wants to grow their mortgage business should hear. This episode breaks down the mindset, networking strategies, and niche loan products that helped Larry win in one of the most competitive real estate markets in the country.

Larry isn’t doing it with magic leads or gimmicks. He’s doing it with old-school fundamentals and ruthless consistency...

If you feel like you’re working twice as hard for half the results, it’s not the market holding you back. It’s the inner work you haven’t done yet.

In this solo episode of The 360 Experience podcast, Tim Braheem takes you deep into the real engine behind every originator’s success: the 60,000–90,000 thoughts they think each day, and the emotions and energy those thoughts create.

So many loan officers struggle with call reluctance, fear of rejection, perfectionism, people-pleasing, and burnout. Tim explains why these patterns have nothing to do with scripts or skill, and e...

Ever have one of those weeks where you swear you’re going to make the calls, follow your plan, and finally break through that production plateau—only to end Friday frustrated, staring at an empty tracker? 

Every loan officer has battled inconsistency, self-doubt, and that little voice saying, “I’ll start fresh next week.” So, how do you replace motivation with measurable consistency and finally stick to your plan?

In this episode of The 360 Experience, Tim Braheem sits down with Cody Hardridge, a Marine-turned-top-producing originator and now a respected coach who scaled to 400 families a year by mas...

Ever feel like you’re grinding all day but not really gaining traction?

That was Scott Taylor just 18 months ago — brand new to the mortgage business at 64 years old, sitting in an office being told to “pound the phones.”

Instead of quitting, Scott built a thriving, multi-state business using nothing but relationships, education, and heart. In this episode, Tim Braheem sits down with Scott to uncover the exact playbook he used to go from zero to a packed pipeline in one of the toughest markets in decades.

Scott’s story is proof that when you l...

One loan, done right, should lead to three, five, even ten more over time. If your clients aren’t coming back and sending friends, you’re doing it wrong. This episode will show you how to turn each deal into a lifetime of income.

Tim Braheem sits down with industry legend and President of Benchmark Mortgage, Jim McMahan, who has spent nearly four decades in the mortgage trenches building one of the most respected origination businesses in the country. 

Jim is the guy who taught Tim the art of scripting, objection handling, and creating clients for l...

In this episode of The 360 Experience Podcast, Tim Braheem takes mortgage loan officers into one of the most important conversations of our time: artificial intelligence and its role in transforming the mortgage business.

Joining Tim are Mary Hurd and Sebastian “Seb” Assaf, founders of Haavn AI in London. With decades of experience at Google, Microsoft, YouTube, and Meta, Mary and Seb bring rare insight into what’s possible with AI and how mortgage professionals can apply it today. They dive deep into the tools, prompts, and frameworks that originators can implement immediately to gain an edge and stay o...

You know the feeling: your pipeline is light, Realtors aren’t answering, and your clients are all locked into 3% mortgages. You start asking yourself, “Where are the deals? How do I even stand out anymore?”

That’s exactly why Tim Braheem and The 360 Experience podcast brought on Jeremy Forcier, a 20-year mortgage veteran who consistently ranked as a National Top Producer with more than $150 million in personal annual production. Jeremy’s been through every cycle this business can throw at you, and his region is thriving - generating over $1 billion in yearly volume.

This conversation is a maste...

Ever chased a lead, called twice, and written them off when they didn’t respond? We’ve seen it happen again and again with loan officers who are frustrated in this market. We all want instant gratification, but most of our consistent, profitable business will come from the long game.

The problem? If you don’t have the discipline, follow-up systems, and mindset to stay in the hunt for months, you’re handing deals to your competitors.

That’s why we had to bring on Dave Panozzo—a decorated U.S. Army veteran, $100M+ real estate produ...

Too many originators are burning out chasing every deal, living at the mercy of their phones, and praying the market gives them another break. But what if the secret to growing your business wasn’t more phone calls and Realtor lunches—but some better preparation?

In this special episode of The 360 Experience, loan originator Michael Belfor opens up about a critical mistake that cost him a wave of refinance business—and how he used that lesson to lock 17 refinances in a single month just a few months later.

Midway through, the conversation shifts into a live...

Ever feel like you’re doing five jobs for one commission check?

You're prospecting, pre-approving, structuring loans, answering emails at 10pm, and somehow still trying to grow your business… and you’re wondering why it feels impossible to scale. That’s the exact struggle that Andrei Paduraru and his team at JVM Lending set out to solve — and solved brilliantly.

In this episode of The 360 Experience, Tim Braheem gets into it all with Andrei, a 31-year-old senior leader at JVM Lending who helped engineer one of the most innovative business models in the mortgage industry today. No...

Have you ever looked at your calendar, realized you had no loans coming in, and felt a wave of fear wash over you? You’re not alone. Every great originator has faced that moment—the question is, do you freeze… or do you get out there and build the relationships that feed your business for years to come?

In this episode of The 360 Experience, Tim sits down with Caryn Grafton—one of the top 1% of originators in the country, with over 5,500 loans funded and decades of experience building unstoppable momentum through Realtor and builder relationships. Caryn shares the exac...

You know the feeling: rates are up, leads are down, and every day feels like a grind. You’re doing the work—but you’re tired, overwhelmed, and wondering: why does it feel like I’m pushing a boulder uphill?

Tim Braheem sees it all the time with the originators he coaches. The truth? The real battle isn’t with rates or inventory... it’s the one happening between your ears.

In this episode of The 360 Experience, Tim draws on his 25+ years of experience as a mortgage coach, originator, and business owner to unpack the inner game t...

Has this ever happened to you? You’re working with a client who’s been rate shopping you to death, and you’re exhausted from trying to “win” every deal. You’re feeling depleted, questioning your value, and you wonder if this is what being a loan officer is all about. 

Every mortgage originator has been there—and that’s why this episode of The 360 Experience is going to change the way you perform and serve your clients, partners, and most importantly YOURSELF.

Casey Granston is a mortgage leader who’s flipped the script on the traditional way...

You know the feeling. It’s 5:30 p.m. You’ve been “busy” all day—responding to emails, chasing down conditions, answering texts from clients and agents—and yet somehow, none of the important stuff got done. 

No new leads called. No referral partner follow-ups. No progress on that marketing plan you swore you’d prioritize this week.

You’re not alone—and you’re not broken. This is what happens when fear runs our calendars instead of strategy. When we let our days get hijacked by tasks that don’t move the needle.

In this episode of The...

Imagine this: You have a solid lead, you’ve invested hours into educating your client, and you’ve worked your tail off to get them pre-approved. But just when you think you’re closing the deal, they turn around and start shopping rates. Sound familiar?

If this feels like the story of your life right now, you’re not alone. In today’s market, originators are facing huge challenges—uncertain buyers, rate shoppers, and crushingly low volume. But there are opportunities in every market, and Caleb LeGrand is joining us to show you how to find them.

In this...

What if you were leaving up to 25% of potential deals on the table just because you don't have the right loan products in your arsenal?

And what if you could close more deals without chasing rates or competing on price?

In this episode of The 360 Experience podcast, Tim Braheem sits down with Scott Rerucha, a seasoned expert who’s seen it all in the mortgage space. Scott runs Legacy Group Capital, one of the few platforms offering private lending alongside traditional mortgage options. This is the secret weapon many top originators are using to break th...

Every loan you fund is either making you unforgettable—or forgettable.

If you’re closing deals but not creating repeat business, not getting consistent referrals, and not building raving fans out of your clients and partners… your loan process is broken. And you’re leaving hundreds of thousands (if not millions) on the table.

In this episode of The 360 Experience Podcast, Tim Braheem is flying solo to break down the exact system that helped him go from funding 3 loans a month to over 500 a year. His Perfect Loan Process is a 73-step machine designed to create a...

Most loan originators today are making this one critical mistake: they’re ignoring their most valuable asset—their past clients. If you’re spending all your time chasing new leads, fighting for Realtors’ attention, or hoping the next rate drop will save your business… you’re playing the game wrong.

In this episode of The 360 Experience, Tim Braheem sits  down with Jay Dacey, a 25-year mortgage industry veteran who’s built a well-oiled loan machine—144 closings in 2024, without depending on a single “whale” referral partner. He shares everything he’s learned that’s allowed him to crack the code on sustainable b...

Most mortgage originators today have no idea how the market actually works. If you want to stand out as a confident mortgage advisor, you need to know WHAT is happening in the market, WHY it’s happening, and HOW to use that knowledge to win more deals. 

That’s exactly what we’re diving into in this episode with Dan Habib, market expert with MBS Highway and son of mortgage legend Barry Habib.

Dan’s been deep in the trenches, studying the financial markets, tracking economic trends, and working with top producers who never worry about rat...

👉 Are you tired of chasing agents who don’t call you back? Wondering how top producers build loyal partnerships that deliver consistent referrals—and why you’re stuck with one-off deals?

In this episode of The 360 Experience Podcast, Tim Braheem sits down with Ashley McKenzie-Sharpe, a mortgage industry powerhouse who closed over $150 million in production last year. Ashley reveals her journey from being a terrified rookie afraid of commission to becoming a relationship-building expert with referral partners who trust her implicitly.

Ashley’s story will inspire you to rethink how you approach relationships, market your value, and...

The NAR lawsuit has changed the game for agents and loan officers alike, and the dust is far from settled. But here’s the truth: those who adapt now will dominate tomorrow.

In this episode of The 360 Experience Podcast, Tim Braheem sits down with industry veteran Scott Einbinder, a real estate strategist who’s seen it all—three business sales, decades of experience, and a front-row seat to the biggest shifts in real estate. Together, they unpack the massive changes happening right now and share how loan officers and agents can not only survive but thrive.

What...

Feeling stuck, burnt out, or like your success is slipping away in this market?

Here’s the hard truth: If you’re resisting change, clinging to old strategies, or waiting for the market to fix itself—you’re already behind.

In this episode of The 360 Experience Podcast, Tim Braheem sits down with Ryan Grant, President of NEO Home Loan and a mortgage leader who’s mastered the art of leading teams, adapting to market shifts, and building a business that thrives—no matter the conditions.

Ryan shares the raw, unfiltered truth about what’s holding loan...

Building Unbreakable Partnerships: How John Wade Used His Referral Network to Close $85M in 2024

In this episode of The 360 Experience Podcast, Tim Braheem sits down with John Wade, a top-producing loan officer with over 20 years of experience, to break down the strategies that separate the average originators from the true market leaders.

Most loan officers are focused on chasing deals—but the ones who gain market share are building partnerships that last. If you’ve ever lost a deal to someone who “knows how to make things happen” or felt like you’re just another option for...

Tim Braheem Interviews Rose Marie David

The mortgage industry is tougher than ever, and most loan officers are struggling just to keep up. But survival isn’t enough—it’s time to take control and build something lasting.

In this episode of The 360 Experience Podcast, Tim Braheem sits down with industry powerhouse Rose Marie David, a leader who’s done it all—from top-producing originator to overseeing massive sales teams. Together, they tackle the problems that most loan officers don’t even realize are holding them back. 

Here’s what you’ll gain from this episode...

Tim Braheem Interviews Manu Ginobili

Do you ever feel like you’re pushing so hard for success that you forget to enjoy the journey?

In this episode of The 360 Experience Podcast, Tim Braheem sits down with NBA legend Manu Ginobili to unpack lessons that go far beyond the court.

Manu’s story is filled with relatable struggles and breakthroughs that originators face every day. This isn’t just a conversation about basketball—it’s a masterclass in achieving balance, building resilience, and finding fulfillment in every area of life.

What you'll gain from...

Feeling stuck, exhausted, or like you’re fighting to survive in this market? 

It’s not a secret that most originators are barely holding on right now. But here’s the brutal truth: if you’re not leveling up in EVERY aspect of your life, you’re getting left behind.

In this episode of The 360 Experience Podcast, Tim Braheem goes deep with Matt Bassitt, a top producer who had to rebuild his life and business after a personal crisis. They dive into what really moves the needle—not just for closing more deals but for building some...

In this episode of the 360 Experience Podcast, Tim Braheem takes center stage as both host and guest to dive deep into a crucial and timely topic: managing your database to capitalize on the current refinance boom. 

Tim shares his proven strategies for becoming a debt manager, guiding clients through the refinance process with precision and speed—because, as he explains, you make a living on purchases, but you retire on refinances.

If you're looking to build stronger client relationships and lock in more loans, this episode will equip you with the tools you need to thr...

Tim Braheem Interviews Craig Strent

Craig Strent is the head of faculty for The Loan Atlas. He is an extremely gifted teacher and leader in the mortgage space. Craig is the former CEO & Co-founder of Apex Home Loans, a former Inc 5000 company one of Washingtonian’s 50 Great Places to Work in Greater Washington.

You Will Learn About:

Tim Braheem Interviews Barry Habib

In this episode Tim sits down with his long time friend, Barry Habib. During this conversation, Barry shares openly with Tim what his experience has been going through aggressive chemotherapy treatments while managing to continue working and looking for the joy in every day. In addition to sharing the details of his treatment, Barry brings his over 25 years of intensive experience to this episode where he and Tim discuss some current market trends relative to the past few years to give YOU insight on what you can be doing right now in...

Tim Braheem Interviews Justice Roberts

In this episode, Tim interviews Justice Roberts. Justice is a Founder and Mortgage Advisor at Renown Mortgage. He entered the mortgage industry in 2012 as a loan officer assistant and began originating full-time in 2015. Over the years, he has steadily grown his loan production, reaching $103 million in 2021 and on pace for $60 million in 2024. Justice specializes in residential mortgages for self-employed individuals, especially those with higher net worth and complex financial situations. His core values are service and communication. Justice strives to solve problems and educate his clients on the best possible solutions for...

Tim Braheem Interviews Shant Banosian

Shant Banosian is Guaranteed Rate's #1 Loan Officer 9 years running, and the #1 Loan Officer nationwide 6 years running, with over 35,000 closed units and $10 billion in funded loans throughout his 20 year career. He has consistently been recognized for his high level of production, superior customer service and expert industry knowledge. He has been featured on Mortgage Professional America's Mortgage Global 100 list for 2020, 2021, and 2022 and is licensed in all 50 states.

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Tim Braheem Interviews Robert Coomer

With over 25 years of experience, Robert Coomer has become a prominent and influential figure in the mortgage industry. His passion for delivering a stress-free and high-quality mortgage experience has been the driving force behind his successful career.

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Tim Braheem Interviews Sam Rosenblatt

With over 28 years in the Mortgage Business, Sam Rosenblatt brings a wealth of practical experience and knowledge to this conversation with Tim. Sam is a master of implementing systems and processes to expedite his workflow. He has been recognized by Scotsman Guide as one of the Top 200 Originators in America having closed over 6,000 units at over $2 Billion in production.

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Tim Braheem Interviews Tom Blattau

Thomas Blattau brings a wealth of knowledge to the real estate and mortgage industry. With over 15 years of experience in mortgages, 10 years in real estate, and 15 years in inventing in real estate ventures. Insights of every side of the transaction has helped shape him into an expert in the industry. His latest venture is a Regional Vice President with Leader 1 financial.

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Tim Braheem Interviews Steve Dorfman

Tim sits down with Steve Dorfman. Steve was the Chief Experience Officer for Apex Home Loans and is now the head of community for The Loan Atlas. With a long history of working in customer service, Steve brings an incredible attention to detail to all aspects of the customer journey. While with Apex, Steve led the charge in elevating their Net Promoter Score (NPS) to a sustained high of 96. In addition, he was instrumental in implementing internal changes which earned Apex the designation of “Best Place to Work” in Washingtonian Magazine, The Wash...

Tim Braheem Interviews Josh Mettle

Tim sits down with friend and colleague Josh Mettle, to discuss how originators can best position themselves to partner with Realtors in light of the pending NAR buyer agent commission ruling. Josh is a hugely successful mortgage originator with 1.2 billion dollars in loans funded in his career.

You Will Learn:

Tim Braheem Interviews Holly Walther

Holly Walther has been in the mortgage business for 25 years. In 2021 she funded over 500 units and 170 million in personal production. What's more impressive is that in 2023 she funded over 70 million in production. She has grown her business by developing substantial relationships with Real Estate agents and by managing her energy through cultivating balance in her personal and professional life. In this episode, she and our host Tim Braheem uncover what you need to be doing right now in light of the NAR ruling to achieve success and growth as an originator.

Tim Braheem Interviews Dr. Steven Tenenbaum

Dr. Steven Tenenbaum is a western medical general practitioner who runs a concierge medical practice. He is a graduate of Penn State University. He brings over 20 years experience in health and wellness as well as an integrative approach to medicine that includes homeopathy and nutrition. He is also our host Tim Braheem's doctor and has been for nearly two decades.

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Tim Braheem Interviews Danny Horanyi

Danny Horanyi brings over 20 years of mortgage experience and wisdom to this conversation with Tim. His innovative approach to his role as an originator and as a high level executive within the mortgage industry provide the listener with much to ponder and valuable insights in todays changing mortgage landscape.

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Tim Braheem Interviews Allen Tayman

Allen Tayman is an originator based in Columbia, Maryland. He has been helping customers fulfill their dream of homeownership since 1992. In 2021, he transitioned to being an in-house lender with Prosperity Home Mortgage. As a result, he has access to an impressive database of nearly 300 realtors and has incredible insights on what agents need following the NAR ruling.

You Will Learn: