The Brutally Honest Loan Officers: The Unfiltered Mortgage Minds

By: Stephen Brock and Derick Brown
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  • Summary

  • ”The Brutally Honest Loan Officers: The Unfiltered Mortgage Minds” is a refreshingly candid podcast hosted by two seasoned mortgage lenders, Stephen Brock NMLS 1926015 and Derick Brown NMLS 1640146, from The Mortgage Firm. This podcast cuts through the jargon and complexity of the mortgage industry, offering unfiltered insights and straightforward advice. Each episode delves into the often-overlooked aspects of mortgage lending, from navigating market trends to understanding credit scores. Our hosts bring their extensive experience and a touch of humor to demystify the mortgage process for consumers and realtors alike. Whether you’re a first-time homebuyer, a seasoned investor, or a real estate professional seeking to enhance your knowledge, this podcast is your go-to source for honest, actionable mortgage wisdom. Join us as we break down the walls of the lending world, one truth at a time. The Mortgage Firm NMLS 189233 Equal Housing Lender NC License # I-219794 CONSUMERS WISHING TO FILE A COMPLAINT AGAINST A MORTGAGE BANKER OR A LICENSED MORTGAGE BANKER RESIDENTIAL MORTGAGE LOAN ORIGINATOR SHOULD COMPLETE AND SEND A COMPLAINT FORM TO THE TEXAS DEPARTMENT OF SAVINGS AND MORTGAGE LENDING, 2601 NORTH LAMAR, SUITE 201, AUSTIN, TEXAS 78705. COMPLAINT FORMS AND INSTRUCTIONS MAY BE OBTAINED FROM THE DEPARTMENT’S WEBSITE AT WWW.SML.TEXAS.GOV. A TOLL-FREE CONSUMER HOTLINE IS AVAILABLE AT 1-877-276-5550. THE DEPARTMENT MAINTAINS A RECOVERY FUND TO MAKE PAYMENTS OF CERTAIN ACTUAL OUT OF POCKET DAMAGES SUSTAINED BY BORROWERS CAUSED BY ACTS OF LICENSED MORTGAGE BANKER RESIDENTIAL MORTGAGE LOAN ORIGINATORS. A WRITTEN APPLICATION FOR REIMBURSEMENT FROM THE RECOVERY FUND MUST BE FILED WITH AND INVESTIGATED BY THE DEPARTMENT PRIOR TO THE PAYMENT OF A CLAIM. FOR MORE INFORMATION ABOUT THE RECOVERY FUND, PLEASE CONSULT THE DEPARTMENT’S WEBSITE AT WWW.SML.TEXAS.GOV.
    Copyright 2023 All rights reserved.
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Economics
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Episodes
  • January Recap & Spring 2025 Forecast: What’s Next for Buyers, Sellers, and Rates?

    January Recap & Spring 2025 Forecast: What’s Next for Buyers, Sellers, and Rates?
    Jan 30 2025

    As January 2025 winds down, Derick and Stephen take a deep dive into the key trends shaping the housing and mortgage markets. In this episode of The Brutally Honest Loan Officers, they explore:

    • Why mortgage rates are staying near 7% and how that impacts buyers
    • The ongoing home shortage of 4.5 million properties and its effect on prices
    • Slowing home price appreciation in 2025—what buyers and sellers should know
    • Changes in buyer demographics: The rise of multigenerational homes and all-cash purchases
    • New tech in real estate: How AI, blockchain, and borrower portals are streamlining the process
    • What’s next for spring 2025: Regional price trends, rate expectations, and the affordability outlook

    Tune in for brutally honest advice to help you navigate this evolving market with confidence!
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    29 mins
  • What The Title? With Jillian Montague of Core Title

    What The Title? With Jillian Montague of Core Title
    Jan 21 2025

    n this episode of "The Brutally Honest Loan Officers: The Unfiltered Mortgage Minds," hosts Derick and Stephen sit down with his "sister from another mister," Jillian Montague, Director of Business Development at CoreTitle. With over a decade of experience in the title industry, Jillian brings a wealth of knowledge and a personal touch to the conversation. They'll delve into the intricacies of title insurance, share stories from the field, and discuss how CoreTitle's commitment to competence and hospitality sets them apart in the industry. Don't miss this engaging and informative chat with one of the leading professionals in the title business.
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    1 hr
  • Meet Guardian Angel Inspections: Raising the Standard in Home Inspections!

    Meet Guardian Angel Inspections: Raising the Standard in Home Inspections!
    Jan 13 2025

    In this heartfelt episode of The Brutally Honest Loan Officers, Derick and Stephen sit down with Ricky and Jessica Smith, the inspiring founders of Guardian Angel Inspections. From a family tragedy to creating a business that serves and protects families, the Smiths share their incredible journey. They discuss the importance of home inspections, the hidden risks they uncover, and why their personal story fuels their passion for keeping homeowners safe. It’s an episode full of resilience, family values, and practical tips for homebuyers and sellers alike.
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    40 mins

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