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250 to 1.5K🎙 ~2x weekly·226 episodes·Last published 3d ago - Monthly Reach
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500 to 3K🇹🇭100% - Active Followers
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From 11 epsHost
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Recent episodes
Unplugged & Unfiltered: CEO Roundtable 2026
Jun 24, 2026
Unknown duration
7 out 10 Customers Trust their Loan Officer
Jun 17, 2026
Unknown duration
Who's Fighting For You in Washington, DC? Justin Wiseman That's Who.
Jun 10, 2026
Unknown duration
The Tinder of Mortgage Recruiting Is Here, and Recruiting Will Never Be the Same Again
Jun 3, 2026
Unknown duration
Is The Data Lying? Or Are Top Producers Pulling Away?
May 27, 2026
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| Date | Episode | Topics | Guests | Brands | Places | Keywords | Sponsor | Length | |
|---|---|---|---|---|---|---|---|---|---|
| 6/24/26 |  Unplugged & Unfiltered: CEO Roundtable 2026 | What do CEOs say after a town hall meeting ends? Two sitting mortgage CEOs. No script. No talking points. Just the conversation that usually happens after everyone else leaves the room.Fobby Naghmi sits down with Keith Cantor, CEO of First Community Mortgage, and John Overfelt, Owner and Director of Sales at American Security Mortgage, for a roundtable that goes places most podcast conversations don't.Keith says AI is going to cost people their jobs — flat out, no hedge. He's already building AI School programs for all 375 of his employees because he believes leaders who ignore it are failing their shareholders, and leaders who adopt it without preparing their people are failing their teams.John has watched companies fold, get acquired, and disappear overnight. He's watched CEOs post "we're not for sale" two weeks before the sale closed. His take on trust is simple — it's built in every ordinary moment before the crisis, not during it.They disagree on recruiting. Keith develops talent from within and keeps LOs for 7+ years. John buys proven producers and imports intellectual property his team never would have built on its own. Neither one backs down.This is the stuff mortgage leaders think about at 11pm. We just said it out loud.Topics covered in this episode:Personal branding and why blunt beats polished on LinkedInWhat leaders most underestimate about their peopleRecruit a proven producer or develop one from scratch?CEO transparency during mergers, acquisitions, and crisisAI, jobs, and how one CEO is actually preparing his companyThe one thing every loan officer should stop doing tomorrowLaugh, Lend & Eat is hosted by Fobby Naghmi, SVP at AnnieMac Home Mortgage, and co-host Justin Neal of Summit Mortgage Corporation. New episodes every week at laughlendandeat.com | — | ||||||
| 6/17/26 | 7 out 10 Customers Trust their Loan Officer | Seven out of ten buyers don't believe their loan officer is acting in their best interest. That's not a perception problem — it's the biggest barrier standing between you and your pipeline.Kristin Messerli returns to Laugh, Lend & Eat to share six years of consumer research and one powerful truth: decision fatigue is quietly killing pipelines across the industry. She walks us through what 2,000 millennials and Gen Z buyers actually said about why they stop engaging — and what you can do about it starting with your very next appointment.We dig into:The 3 barriers compounding to freeze first-time buyers (and why affordability isn't actually #1)Why most buyers don't believe loan officers will act in their best interest — and what to do with that statThe TRUST framework Kristin built from her social work roots: Tune In, Relate, Unfreeze, Simplify, TrackWhy rapport-building isn't the same as trust-buildingHow to use First Home IQ's free learn portal as a third-party trust bridge to your buyersThe Blockbuster-to-streaming shift happening in mortgage right now — and where your opportunity livesPlus: Kristin attended 33 philosophy lectures in Wales on her "vacation," Justin admits borrowers might have the wrong number when they ghost, Fobby might have oxygenated water in his cup, and the Oklahoma Thunder fans in the room are now devoted Knicks supporters.🔗 First Home IQ Learn Portal (free): learn.firsthomeiq.com🔗 Ambassador Program: firsthomeiq.com/ambassadorConnect with Kristin Messerli: LinkedIn | Instagram | kristin@firsthomeiq.com📲 Subscribe so you never miss an episode of Laugh, Lend & Eat — the mortgage industry's most entertaining (and actually useful) podcast.TIMESTAMPS00:00 – Cold open / oxygenated water chaos04:30 – Industry news: Energy One + American Pacific merger, Synergy One fallout07:45 – Rates, inflation, and Fobby's bold rate hike prediction10:15 – Guest intro: Kristin Messerli returns (and she's now a Knicks fan)12:30 – First Home IQ: what it is, what it does, why it matters16:50 – The 3 barriers killing first-time buyer pipelines18:00 – Distrust and skepticism: "You're paid to tell me to buy"19:30 – Information overload and decision fatigue21:45 – Financial stress drops IQ by 13 points (Stanford research)25:00 – The T in TRUST: Tune In — ask what keeps them up at night27:00 – The U in TRUST: Unfreeze — give them one small step, see the momentum28:30 – Speaking slower calms the amygdala (Fobby's voice coaching detour)31:00 – Reality #1: 7 in 10 don't believe their LO acts in their best interest33:40 – Justin proves Kristin's point in 18 seconds (live demonstration)35:00 – Institutional distrust at an all-time high: the U.S. distrust index37:30 – Information overload creates avoidance — and what to do instead43:00 – The empathy advantage: feeling seen and heard is the most important thing46:30 – The Blockbuster moment in mortgage: moving from expert to collaborative partner47:00 – The full TRUST framework: Tune In, Relate, Unfreeze, Simplify, Track48:30 – How First Home IQ's learn portal works for your buyers50:00 – Closing laughs, fake squids, Sanford and Son homework | — | ||||||
| 6/10/26 | Who's Fighting For You in Washington, DC? Justin Wiseman That's Who. | Most mortgage professionals have no idea how many critical housing decisions are being made behind closed doors in Washington, D.C.While most of us are focused on rates, inventory, and closing loans, there are people working every day on Capitol Hill to influence the policies that will shape the future of homeownership, housing affordability, and mortgage lending.One of those people is Justin Wiseman.As the Mortgage Bankers Association's leading voice in Washington, Justin is in the room where many of these conversations happen. In this episode of Laugh, Lend & Eat, we discuss:• Why housing affordability has become a national political issue• What Congress is doing about housing supply• The Road to Housing Act and what it could mean for consumers• The regulatory issues mortgage professionals should be watching• How policy decisions made in D.C. ultimately impact borrowers and lenders across AmericaWhether you're a mortgage professional, Realtor, industry executive, or simply someone who cares about the future of housing, this conversation provides an inside look at what's happening in our nation's capital.Who's fighting for you in Washington, D.C.?Justin Wiseman. That's who.🕐 TIMESTAMPS00:00 — Cold open & intro01:30 — Fobby's first-ever formal host intro (seven seasons in)02:40 — Bill Pulte named to oversee national security — what does it mean for FHFA?07:00 — Cross Country / UWM / Two Harbors saga — the vote gets pushed to June 1108:30 — Movement Mortgage loses $100M South Florida team to Radius/Victor Ciardelli11:00 — Justin Wiseman joins the show12:30 — Who is Justin Wiseman? Emory Law, federal clerkship, and finding his home at the MBA15:00 — Housing is finally a political priority — why now?17:30 — The Road to Housing Act: what passed, what didn't, and where it goes next19:30 — Are institutional investors really killing homeownership? The real data21:00 — LO Comp Reform: the MBA's #1 regulatory priority23:00 — The 3 big reforms the MBA is pushing at the CFPB25:00 — Why simply repealing the LO comp rule would actually make things WORSE28:30 — Brokers vs. bankers on comp — where do the lines get drawn?31:30 — Medicaid cuts and what they could mean for senior homeowners33:30 — Will millennials even inherit their parents' homes?34:00 — Trigger Leads (HPPA) — how the MBA got both parties to agree37:30 — The moment Justin thought it wasn't going to happen40:00 — AI in mortgage: the NBA commissions a white paper on licensing41:30 — Can AI be a loan officer? The NMLS question nobody is asking yet42:30 — LOs putting loan estimates into public ChatGPT and Claude — why that's insane43:30 — Uploading borrower data to a public LLM may waive legal privilege45:00 — Single file credit reporting — the MBA's case for pulling just one bureau47:00 — The AEI research: does the tri-merge actually predict defaults better?49:30 — Lawsuits between lenders and loan officers — Fobby gets personal51:00 — Justin's take: "A lawsuit is a messy and ineffective mechanism for achieving justice"53:00 — Fobby's story: three lawsuits and what he learned the hard way55:00 — Justin's pitch: the MBA should do a contract education series for LOs56:00 — What's next? MBA Annual in Chicago, Jerry Seinfeld, and book your flights NOW🎙️ Laugh, Lend & Eat is one of the mortgage industry's top-rated podcasts, hosted by Fobby Naghmi and co-hosted by Justin Neal of Summit Mortgage Corporation. New episodes drop weekly.🔔 Subscribe so you never miss an episode. | — | ||||||
| 6/3/26 | The Tinder of Mortgage Recruiting Is Here, and Recruiting Will Never Be the Same Again | What if loan officers could explore their options without anyone knowing?Ellen Duncan, Founder & CEO of mLOOP and former CMO of AnnieMac Home Mortgage, joins Fobby on this week's episode of Laugh, Lend & Eat — and the conversation goes places we didn't plan.Ellen built mLOOP after sitting in a Discovery Day and realizing something was deeply broken about how recruiting works in this industry. LOs spending their most valuable resource — time — answering basic questionnaires that should've been covered long before they walked in the room. She left that meeting and told the COO: "This industry needs the NCAA transfer portal."What she built is being called the Tinder of mortgage recruiting. Anonymous profiles. Data-driven matches. LOs stay invisible until they choose to connect.But this episode isn't just about a platform.Ellen lost her husband Paul suddenly four years ago — when she was in her mid-thirties, married ten years, two daughters, thought she knew what the next fifty years looked like. She opens up about how grief cracked her open, why she sees that as a gift, and how losing Paul gave her a different relationship with risk.One of the most honest conversations we've had on this show.🔗 Find mLOOP at mloop.co📲 Follow Ellen: @ellenduncanofficial📲 Follow mLOOP: @mloopHQCHAPTER MARKERS00:00 — Intro & Welcome01:30 — Justin's out, Ellen's in — how this episode started differently03:00 — Ellen's background: Coca-Cola, Southwest, AnnieMac05:00 — Why she put "Mom" in her LinkedIn headline06:30 — What surprised her about mortgage coming from big brands08:30 — The LO marketing problem: they don't know what they don't know11:00 — The flyer factory and what modern marketing actually looks like13:00 — "Life can be beautiful and hard. Both can be true."14:00 — Paul's sudden passing and how it changed everything16:30 — Freedom, travel, and saying yes — Tanzania with her daughters17:30 — Building mLOOP with her daughters watching19:00 — Happy mom, happy baby — why she did it for herself first20:30 — Grief doesn't end. And that's okay.21:00 — Trauma, creativity, and the Leonard Cohen line about cracks and light23:00 — "Would I be doing this if Paul was here?"23:30 — Hello recruiting — what did she see that was broken?24:30 — The AnnieMac Discovery Day that sparked everything25:20 — "This industry needs the NCAA transfer portal"25:30 — Why people call mLOOP the Tinder of mortgage recruiting28:00 — How mLOOP actually works — the LO side30:00 — How mLOOP works — the lender side33:00 — Recruiters need to become agents35:00 — Fobby's experience being recruited and why timing matters38:00 — The human role technology can't replace39:00 — Where to find mLOOP40:00 — Close | — | ||||||
| 5/27/26 | Is The Data Lying? Or Are Top Producers Pulling Away? | 71.5% of all mortgage volume. Closed by 30% of loan officers.Is the data lying? Or are top producers just pulling away?In this episode of Laugh, Lend & Eat, Fobby debuts a brand new segment — "Can We Stop" — calling out the conference culture posts that need to go away forever. Then things get real. Fobby and Justin break down the data behind the 2019–2025 mortgage market share shift, why the middle 40% is losing ground, and what separates the top 30% from everyone else. Plus two practical AI tips any loan officer can use today.Topics covered:The "Can We Stop" segment — conference culture called outMarket share data: top 10%, middle 40%, bottom 30%Why systems and mindset beat rate every timeInspiration is easy. Implementation is rare.AI tip of the week — two ways to use it right nowNext week's guest: Ellen Duncan, founder of Mloop🕐 TIMESTAMPS00:00 — Intro & the "Can We Stop" segment debuts03:30 — Conference culture callout: energy in the room, full cups, and enlightenment posts07:15 — Inspiration is easy. Implementation is rare.11:00 — Ask Fabi: first car, dream vacation, ringtones19:20 — InGenius data drop: top 30% closed 71.5% of all volume in 202521:00 — The market share shift: top 10% gained 4% from 2019–202525:00 — What separates the top 30% from the middle 40%28:00 — The bottom 30%: survival mode, no trust, short-term focus32:00 — The one word the bottom 30% is missing: TRUST37:00 — Long-term thinkers vs. short-term survivors38:00 — William James: your actions control your mood, not the other way around41:00 — Coaching, accountability, and the Tony Robbins story50:45 — AI widens the gap — or compresses it, if you use it51:20 — AI tip of the week: record yourself and get feedback52:30 — Fobby's AI tip: the 5-question loan estimate tool55:00 — Next week's guest + podcast hits #4 in the rankings🔗 CONNECT WITH USWebsite: www.laughlendandeat.comLinkedIn: https://www.linkedin.com/in/fobby/ | — | ||||||
| 5/20/26 | High Tech, High Touch: Dale Vermillion's Formula for Winning in the 2026 Mortgage Market | In this high-tech mortgage world we live in, we forget how important the human touch is. In true form, Dale reminds us that we need to not only survive 2026 but to move forward with our business.43 years in the mortgage industry. Rates at 17.5% when he started. Still closing 30+ loans a month.Dale Vermillion has seen every market cycle there is — and his message for 2026 loan officers is simple: stop blaming the market and start building the habits that actually move the needle.In this episode of Laugh, Lend & Eat, one of the most respected mortgage coaches and trainers in the country breaks down what separates the top 30% of loan officers — who did 71.5% of all mortgage production in 2025 — from everyone else fighting over the scraps.What we cover:Mortgage mindset and mental toughness for loan officers in a high-rate environmentWhy high-tech without high-touch is killing your mortgage pipelineThe "1 sale a day" formula that gets loan officers to 15 closings a monthMortgage sales tips: the Friday seed call and Monday status call that convert pre-approvals into contractsHow top-producing loan officers prospect realtors and build referral partnershipsMortgage lead generation, follow-up strategies, and pipeline managementTime blocking and productivity for mortgage professionalsWhy the bottom 30% of LOs is treating origination like a gig job — and how to break outMortgage recruiting trends and what the 2026 market really looks likeTimestamps:00:00 - Intro & Welcome00:30 - Industry News with James Clyman (The Mortgage Scoop)01:00 - Rocket Mortgage vs. UWM $100M Lawsuit Breakdown03:00 - Could UWM Have a "Countrywide Moment"?05:30 - UWM Pricing Strategy & Wholesale Market Impact07:00 - Rate Predictions: Will the Fed Hike in 2026?08:45 - Mortgage Tech M&A — What's Coming in the Next 6-9 Months09:45 - Lower.com: Ambitious Play or Overreach?11:10 - Welcome Dale Vermillion | Mortgage Champions13:00 - 43 Years in the Industry: What Dale Has Seen14:00 - If Rate Mattered, I Wouldn't Be Here — Mindset Reset16:00 - Attitudes & Actions: The Two Things That Make All the Difference17:30 - The Data: Top 30% Did 71.5% of All Volume in 202519:25 - The 3 Types of People: Make It Happen, Watch It Happen, What Happened20:00 - How to Shift Your Mindset Starting Tomorrow22:00 - What Top Producers Actually Do Differently23:00 - The System Behind Mortgage Champions' Results24:00 - Why Most LOs Fail: No Process, No Plan25:00 - Stop Talking About How Bad the Market Is26:00 - The Bottom 30%: Hard Truths from Dale28:00 - High Tech vs. High Touch: The Biggest Problem in the Industry29:00 - "If You Want to Convert, You Have to Converse"30:50 - The "1 Sale a Day" Formula: How to Close 15 Loans a Month33:00 - The #1 Miss: No Follow-Up34:00 - Plan Your Follow-Up or It Won't Happen34:40 - The Friday Seed Call & Monday Status Call System36:00 - Why COVID Changed the LO Mindset (And Not for the Better)37:50 - Work Smarter: 50 Hours Max, Maximum Output38:00 - The Phone Is Your Biggest Distraction39:00 - Email Pop-Ups: The 12-Second Focus Killer40:00 - Time Blocking for Mortgage Professionals42:00 - Priority-Based Mindset: Fund Your Life First43:00 - Pain Is the Only Teacher for Some People44:00 - How to Reach Dale Vermillion45:00 - Outro & Where to Find Us"If you want to convert, you have to converse." — Dale Vermillion🎙️ Hosted by Fobby Naghmi, SVP at AnnieMac Home Mortgage, and Justin Neal, MBA of Summit Mortgage Corporation🔔 Subscribe for weekly mortgage industry insights, loan officer training, and leadership content👍 Like and share if this helped you | — | ||||||
| 5/13/26 | Your Thoughts Are Not You, But Your AI Thinks They Are | We've had meditation teachers, psychologists, nutritionists, and a psychic on this show trying to fix what's wrong with mortgage people. None of it worked. So this time we went deeper.In this episode of Laugh, Lend & Eat, Fobby and Justin sit down with a married couple who may be the most interesting pair in any industry — Dr. Saloumeh DeGood, licensed clinical psychologist and President of the Sufi Psychology Association, and Andrew DeGood, co-founder and CEO of Ask Bob AI, the mortgage industry's leading AI knowledge platform.One studies the soul. One builds AI for loan officers. They go home to the same house. The conversation that followed was one of the most unexpected, honest, and genuinely useful episodes we've ever recorded.🔑 WHAT WE COVER:✅ What Sufism actually is — in plain language, for a loan officer in Ohio✅ Why your thoughts are not you — and how that unlocks everything✅ The "As a Man Thinketh" debate — Saloumeh vs. James Allen✅ What AI fundamentally gets wrong about human beings✅ Why trauma and creativity are linked — and what that means for AI✅ The Narcissus problem: why talking to ChatGPT can become an echo chamber✅ Andrew's vision: the LO who needs nothing more than an iPhone to run their business✅ Why the loan officers who communicate always win — and AI just 10Xs that gap✅ Can AI replace a psychologist? Saloumeh's honest answer✅ How to survive the mortgage industry with your soul intact⏱️ TIMESTAMPS:00:00 — Intro & LinkedIn jail (the F-bomb story)03:00 — Spirit Airlines, gas prices & Fobby's RICO charge08:30 — Wedding anniversary reveal — Malibu, Tampa & two ceremonies12:30 — What is Sufism? The plain language breakdown17:00 — The "bag" of gathered experiences — how the brain actually works20:00 — Andrew: how Sufism changed how he runs his business21:30 — The dinner table: AI + Sufism under the same roof24:00 — What AI gets wrong about human beings28:00 — Trauma, creativity, and what AI can never replicate34:00 — The Narcissus moment — ChatGPT, Saloumeh's dog, and echo chambers38:30 — "Your thoughts are not you" vs. As a Man Thinketh43:00 — The brain has one goal: preserve calories44:30 — Guardrails, heroin, and cages — Andrew's AGI thought experiment48:00 — Ask Bob AI: what's next (CRUD, MCP, the text-message LO)51:00 — Will AI replace psychologists? Saloumeh's real answer53:30 — Andrew's vision: the AI version of Saloumeh56:30 — The close: AI is the brain. Sufism is the heart. You need both.📲 CONNECT WITH OUR GUESTS:Dr. Saloumeh DeGood — drdgood.com | @sufipsychologyAndrew DeGood — askbobai.com | Andrew D. Goode on LinkedIn ABOUT LAUGH, LEND & EAT:The mortgage industry podcast that doesn't take itself too seriously — but takes the business seriously. Hosted by Fobby Naghmi, SVP at AnnieMac Home Mortgage, and co-host Justin Neal of Summit Mortgage Corporation. New episodes every week. | — | ||||||
| 5/6/26 | Nobody is Coming to Save You: The Maria Quattrone Story | Nobody is coming to save you. The sooner you accept that, the faster everything changes.Maria Quattrone has been in real estate for over 30 years. 10,000 YouTube subscribers. 2,800+ videos. A book of business that rings before she picks up the phone. And it all started with a 10-year-old girl, two bus tokens, and a two-mile run through Philadelphia.In this episode of Laugh, Lend & Eat, Maria sits down with Fobby Naghmi and co-host Justin Neal for one of the most honest conversations we've ever had on this show — about victim mentality, ownership, personal brand, paying your dues, and what it actually takes to build something that lasts.If you're in mortgage, real estate, or any commission-based business, this one will hit home. TIMESTAMPS00:00 — Intro & selfie culture with Justin02:46 — Federal Reserve holds rates & what it actually means for your mortgage05:00 — Why the Fed cutting rates doesn't affect your mortgage rate07:00 — Meet Maria Quattrone14:00 — Personal brand, content creation & the compound effect19:00 — Building trust from a distance through social media24:00 — Victim mentality — what it is and how to spot it in yourself25:00 — Everybody gets a trophy. The kids were keeping score anyway.26:28 — The bus token story — where Maria's fight mentality was born29:47 — "The only reason you didn't do it is because you chose not to"31:00 — Our business is about choice management32:50 — The bathroom panic attack and the bad career decision36:00 — How Maria built her book of business from scratch43:36 — Paying your dues — the beeper, the payphone, Sunday dinner46:00 — Expires, cancels and repositioning — Maria's secret weapon55:44 — Maria's speaking journey and Level Up Atlanta57:19 — How to connect with Maria Q🔑 IN THIS EPISODE✅ Why victim mentality is killing your production✅ The difference between a goal and a commitment✅ How Maria built a 30-year book of business through coaching and consistency✅ What paying your dues actually looks like — before smartphones existed✅ Why personal brand is the long game nobody wants to play✅ The compound effect of showing up every single day📲 CONNECT WITH MARIAMaria Quattrone — callmq.comLinkedIn, Facebook & Instagram: @QuattronePhone: 215-607-3535🎙️ ABOUT LAUGH, LEND & EATLaugh, Lend & Eat is the mortgage industry podcast that doesn't take itself too seriously — but takes the business seriously. Hosted by Fobby Naghmi, SVP at AnnieMac Home Mortgage, and co-host Justin Neal of Summit Mortgage Corporation. New episodes every week.#MortgagePodcast #RealEstate #MariaQuattrone #LaughLendAndEat #PersonalBrand | — | ||||||
| 4/29/26 | Meet the Recruiters '26✨ | mortgage recruitingloan officers+4 | Andi ArroyoNoah Zimmerman+1 | CONVERTZ-Talent | — | mortgage professionalsrecruiting+4 | — | 50m 31s | |
| 4/22/26 | What Loan Officers Are Getting Wrong Right Now (And It’s Costing Them Deals) | Christine Beckwith✨ | loan officersbusiness strategy+2 | Christine Beckwith | Laugh, Lend & Eat | — | ratesborrowers+2 | — | 55m 06s | |
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| 4/8/26 | What CMOs Won't Say in Front of Their CEO✨ | mortgage marketingleadership+3 | Bri LeesLauren Dobie | Movement MortgageNexa+8 | — | CMOloan officer+3 | — | 55m 37s | |
| 4/1/26 | 70% of your cost problem isn’t the market… it’s you.✨ | mortgage industrybusiness efficiency+3 | Melissa Langdale | PraxisLaugh, Lend & Eat | — | mortgage processtechnology in lending+2 | — | 54m 10s | |
| 3/17/26 | Recruit the Loan Officer | Mortgage Recruiting Game Show✨ | mortgage recruitingloan officer+4 | — | Recruit the Loan OfficerLaugh, Lend & Eat | — | recruitmentcompensation+3 | — | 49m 11s | |
| 3/10/26 | The Mortgage Industry Doesn’t Have a Product Problem. It Has a Trust Problem.✨ | mortgage industrytrust+4 | Kristin Messerli | FirstHome IQKristin+1 | Washington | trust gapfinancial information+2 | — | 49m 12s | |
| 3/4/26 | Ask Fobby Anything: Recruiting, Leadership & Mortgage Truths✨ | recruitingleadership+3 | Gabe GillenWes Costello+1 | Ask Fobby AnythingLaugh, Lend & Eat | — | leadership mistakesrecruiting strategy+2 | — | 39m 27s | |
| 2/16/26 | What the Kitchen Taught Chef JJ About People, Pressure, and Leadership✨ | leadershipemotional intelligence+2 | JJ Johnson | James Beard Award | — | James Beard Awardhigh-pressure teams+2 | — | 43m 56s | |
| 2/2/26 | The Real Reason Deals Are Stalling in This Market✨ | real estatehome-sale contingency+3 | Nick Friedman | Buy Before You SellHomeLight+1 | — | HomeLightcash buyers+2 | — | 41m 26s | |
| 1/28/26 | The Fed, Politics, and a 10% Credit Card Cap — This Could Wreck Your Mortgage Pipeline✨ | mortgage marketcredit card interest rate cap+3 | — | Fedthe Federal Reserve+1 | — | mortgage rate volatilitypolitical pressure+3 | — | 48m 00s | |
| 1/14/26 | Why Most Mortgage Leaders Will Struggle in 2026✨ | mortgage leadershipretention+3 | — | Laugh, Lend & EatFear | — | leadershipmanagement+3 | — | 50m 03s | |
| 12/9/25 | What Gen Z Wants from Us: A Conversation with Raquel Boras | For the final episode of Season 6, we close out an incredible year with someone who has always brought her own rhythm, truth, and energy to the show—Raquel Boras. No longer in the mortgage industry yet more impactful than ever, Raquel steps in with a message that directly challenges how we connect, communicate, and lead.This episode centers around one powerful question:What does Gen Z really want from us?From her upcoming documentary "I Hear You Gen Z" to her experiences traveling across 13 states in an RV, Raquel shares a raw and revealing look into what young people are thinking, feeling, and expecting from the adults in their lives—and why so many professionals are missing the mark.It’s the perfect way to end a season focused on adaptation, authenticity, and leadership.Standout MomentsA Gen Z teen telling Raquel: “Stop posting brain rot. We want real advice.”The emotional weight of watching early cuts of her documentary.Stories from her cross-country RV journey filming nearly 30 young adults.The reminder that authenticity is the actual brandHumor around honey diets, RV life, and who still does Gen X dance moves.About Raquel BorasRaquel is a storyteller, mentor, and filmmaker helping bridge the gap between generations. Her documentary I Hear You Gen Z explores what young people truly think—and what they want from the adults around them. Formerly in the mortgage space, she now leads with creativity, heart, and a commitment to authentic voices.Final ReflectionIf this season has taught us anything, it’s that leadership isn’t about knowing all the answers—it’s about connecting with the people who need us most. And as Raquel reminds us, Gen Z isn’t waiting for us to entertain them. They’re waiting for us to lead them.Season 6 ends with clarity, conviction, and a challenge:Be the adult they can trust. Be the voice they want to hear.See you in Season 7. | — | ||||||
| 11/23/25 | Foreclosure headlines look terrifying—but are they telling the truth? | In this breakdown, Fobby Naghmi and Justin Neal cut through the noise and unpack what the numbers actually say. We look at today’s foreclosure activity side-by-side with the peak of the housing crisis, revealing a very different—and far less frightening—story than the headlines suggest.Drawing from decades of front-line mortgage leadership and data trends, Fobby and Justin explain how foreclosure filings, delinquencies, and REO levels compare to historical norms. Their insight makes sense of the market pressure points without the hype, giving real estate pros the clarity they need to guide clients with confidence.If you want to understand the real trajectory of the housing market—not just the viral headlines—dive into the full conversation. You’ll walk away with perspective, data, and a grounded view you can use in your business today. | — | ||||||
| 11/18/25 | Kristin Messerli: How to Fix Losing Gen Z Homebuyers (Before It’s Too Late) | In this episode of Laugh, Lend & Eat, Fobby brings on one of the most respected voices in housing research, Kristin Messerli, to tackle a problem the mortgage industry can’t afford to ignore:👉 Loan officers are losing Gen Z homebuyers — fast.👉 And most LOs don’t even realize it’s happening.Gen Z is the most educated, tech-native, socially connected generation in history — yet they’re also the most overwhelmed, distrustful, and financially anxious buyers the housing market has ever seen.Kristin breaks down exactly why Gen Z is walking away from traditional lenders, where they’re getting their information instead, and the specific strategies LOs must adopt right now to win these buyers back before it’s too late.This episode is a blueprint for any mortgage professional who wants to stay relevant in 2025 and beyond.Top Takeaways for Mortgage Pros: Gen Z homebuyers trust individuals, not institutions. The days of automatic credibility are over.Education only works when paired with emotional validation.If buyers feel overwhelmed, they shut down. LOs must simplify, not complicate.AI is now part of the homebuying journey. The smartest LOs integrate it.Consistency outperforms charisma. Showing up regularly matters more than being perfect.You can absolutely win Gen Z — but only if you adapt.About Our Guest — Kristin MesserliKristin Messerli is a nationally recognized researcher and speaker specializing in consumer psychology, generational trends, and financial behavior.She is the author of the NextGen Homebuyer Report, founder of FirstHome IQ, and a leading voice on the emotional and behavioral realities shaping today’s homebuyers. | — | ||||||
| 11/12/25 | From 30 Steps to 3 Clicks: The Groves IQ Revolution | Mortgage innovator Aleyna Groves joins Fobby Naghmi to share how she’s reshaping operations through Groves IQ—a platform turning 30 steps into 3 clicks. From her early real estate lessons to building scalable systems and smarter AI integrations, Aleyna reveals what adaptability, leadership, and manifestation truly mean in today’s mortgage world.00:00 – Opening Monologue & Season 6 Finale Intro02:30 – Meet Aleyna Groves: From Broker to Builder06:10 – How Groves IQ Was Born & the Problem It Solves10:45 – Breaking the Hire–Fire Cycle with Smart Tech15:20 – Integrations with LendingPad and UWM19:00 – Where AI Belongs (and Where It Doesn’t)23:15 – Mindset, Manifestation & Leadership Lessons28:00 – What’s Next for Groves IQ and Final Thoughts“What you think, what you feel, what you say — you can make it happen. You’re your own creator, and you’re the only one who sets your own limits.” — Aleyna Groves🌐 grovesiq.com💼 LinkedIn – Aleyna Groves | — | ||||||
| 10/27/25 | Rethinking the Mortgage Industry with Matthew Gallant | What does the future of mortgage lending really look like?In this episode, Matthew Gallant of the Mortgage Bankers Association (MBA) joins Fobby Naghmi for a wide-ranging conversation that’s equal parts insightful and entertaining.They dig into:Why the broker vs. banker debate is evolvingWhat the MBA actually does behind the scenesThe real story behind trigger leads and industry advocacyWhy networking isn’t chasing — it’s teachingHow personal branding and education can help you grow your gravityWhy smarter hiring (not just more hiring) is what IMBs need in 2025 and beyondYou’ll also hear about Matthew’s experience co-authoring the Amazon best-seller Rethink Everything You Know About Networking — and what it really takes to create meaningful industry connections.From brisket to breakout sessions, and cigars to strategy, this episode blends laughs with leadership lessons you won’t want to miss.📚 Resources Mentioned:Rethink Everything You Know About Networking – Available on AmazonMortgage Bankers Association (MBA) – mba.org | — | ||||||
| 10/21/25 | Ask Fobby Anything: 2025 | This episode of Laugh, Lend, and Eat is a wild ride of insights, banter, and blindfolded truth-telling as I dive headfirst into the "Ask Fobby Anything" hot seat. No topic is off-limits and no question goes unanswered (well... almost none). With guest host and returning favorite Justin Neal joining us from Minnesota, we chop it up about leadership myths, flip phones, the evolution of AI in the mortgage industry, and even sticky situations involving jars of honey.Whether you're in the mortgage game or just curious about the blend of comedy, candor, and career wisdom, this one has it all. Plus, you’ll hear the story behind my mall business card hustle in the '80s and the surprising guest that left a lasting impression on me. Buckle up—this is not your typical Q&A episode.⏱️ Episode Highlights[1:32] – Kicking things off with awkward intros and a new co-host audition[4:40] – Debunking the biggest myth in mortgage leadership[10:58] – The ‘87 business card story and the evolution of building relationships[17:50] – Why LinkedIn is my daily ritual for nurturing connections[22:15] – My strategy for cutting through the noise on social media[29:36] – Would I trade in my iPhone for a flip phone? Spoiler: not a chance[36:20] – Who surprised me most as a guest on the podcast and why[42:00] – Rapid-fire: Coffee or tea, beach or mountains, QR codes or biz cards?[47:45] – AI in mortgage by 2030: What the future (likely) holds[55:30] – Can a man survive solely on honey? Justin may be finding out…🔗 Links & ResourcesLearn more about Laugh, Lend, and Eat: www.laughlendandeat.com 💬 Enjoyed This Episode?If you got a laugh, a lesson, or a little inspiration out of today’s episode, don’t forget to rate, follow, and leave a review. Share it with someone who needs a break from the boring and a dose of real talk. | — | ||||||
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