Have a podcast in 30 days

Without headaches or hassles

When you are working on someone else's schedule, having the freedom to do what you want to do when you want to do it can be challenging.

But you can have freedom and flexibility and it doesn't have to be difficult.

MLO Kristen Morgan was dealing with her daughter's health issues so she needed more flexibility. That's why she was frustrated and quit her job. Now she has a multi-million dollar mortgage firm

Listen now to discover how you can have more freedom, a more flexible schedule, and make more money.

Show highlights include:

  • How wearing red high heels to a client closing builds your million dollar brand (3:04)
  • Why watching the Wizard of Oz lets you market your brand (6:05)
  • How creating a detailed customer experience attracts red-hot prospects for you to close (8:27)
  • Why saying “I love you” to a customer skyrockets your business (10:51)
  • How exploiting your loan partner's weaknesses lets you close more loans (12:15)

Want to get your questions answered live? Head to MLOlive.com and discover how you could become a Millionaire Loan Officer!

Read Full Transcript

Welcome to The Millionaire Loan Officer podcast with your host, Scott Hudspeth sharing tools, tips and strategies so that you can go from a mortgage loan officer to a millionaire loan officer. It's your host, Scott Hudspeth.

Scotty: Hello everybody, this is Scott Hudspeth, with Millionaire Loan Officer powered by Mortgage Marketing Animals and the loan officer breakfast club. And I'm here with somebody very special, just absolutely positively, I don't even know how to say it. Just killing it in the mortgage space in a very short period of time. Kristen Morgan, how are you doing my friend?

Kristen: I am doing wonderful.

Scotty: I know.

Kristen: And thank you for having me on today.

Scotty: Yeah. Thanks for being here. I'm honored. So, I got to have dinner with Kristen. It was so, that's the first time I think we've ever had two seconds together.

Kristen: Yes, seriously.

Scotty: Yeah, it was so cool. So, and I was at the awards banquet and I just like, I kept hearing your name and I'm like, what is going on? Like I know I see these videos of these red high heels and I wanna talk about that.

Kristen: Yeah.

Scotty: So, for everybody listening, tell us a little bit about you and, and how long you've been in the, and couple of the basics. [1:23.4]

Kristen: Yeah, so. Of course, Kristen Morgan, I'm here in Georgia and just was working in a retail banking environment for many, many years. And one day went to lunch and said, Hey, I wonder, like, what would it take for me to do mortgages? And just a little personal thing. I have three daughters and an incredible husband and my oldest daughter has some pretty serious health challenges and I'm having to go back and forth to doctors and stuff. I was kind of looking for some flexibility and I just was like, man, I could go do a couple of loans a month and help contribute to my family and then have all this flexibility. And what started out as like three or four loans a month is now turned into like 20 loans a month and I’m like.

Scotty: [inaudible]

Kristen: So long and so on, so.

Scotty: Wow. Good for you. So, were you at the credit union, is that right? For nine years?

Kristen: Yeah, but when I was at a credit union, I wasn't doing anything to do with mortgages.

Scotty: Okay.

Kristen: Like zero to do. I was just working in the retail part, like doing the, you know, banking part, I was a branch manager. And then left there on a leap of faith and got my license. First six months, I worked, I closed 18 loans and then got recruited to Success the following right after that. And I've been at Success Mortgage ever since and doubling my volume year over year. [2:38.3]

Scotty: I think you tripled it actually. I don't know, like…let’s go back and look, but. So just for everybody listening, Kristen closed just under 50 million.

Kristen: Yeah.

Scotty: Third year, three and a half years.You can't really count for six months, right?

Kristen: Yeah.

Scotty: I mean, I, I,

Kristen: Right, exactly, so.

Scotty: Yeah.

Kristen: Yeah, Three full years. We'll call it that, yeah.

Scotty: Three full years. So, I wish we should have just started the recorder before when we first get down here cause that's where some of the best stuff comes.

Kristen: Yeah.

Scotty: And I just wanna start with saying one of the first things you said to me was I didn't really prospect.

Kristen: Yeah.

Scotty: Like I've never called a realtor. I don't do the DSP.

Kristen: Hmm…hmm.

Scotty: Yet, so I can't even imagine what will happen to you if you do.

Kristen: Yup.

Scotty: It's gonna be, it's like, holy crap, we’ll have to have you back on but.

Kristen: Yeah.

Scotty: So, tell me about like no prospecting. Like what does that even mean? [3:26.8]

Kristen: It sounds weird or even almost arrogant to actually say that, but it's just true. Like I do, have not prospecting and I wasn't mining my database at all. And so, I would just close a loan and make myself visible and created a brand for myself and then I used that brand. I would tell these incredible stories about people's closing and it just kind of caught fire. And you know, I hate tell I say this and I hate to call it fear of FOMO, but it really is like people. One of the girls on my team, she, she said the very first thing people asked us when we say, Hey, you're closing is like, is Kristen coming? People want me to show up at their closings with my red high heels on with my sign that they think it's a prop, but it's not a prop because they take it home. [4:07.7]

Scotty: Oh my God.

Kristen: I just haven't prospected like I haven't gotten on and started calling realtors and, and like, Hey, let me meet, like try to meet with you. And let's see, like in the past I was going to do it, but it, I would always be so busy that I couldn't. But after the freedom club meeting this past last week, I was in San Antonio with all of y'all and I'm telling you that was the one thing I said, this is what's going to make me double my volume again. I've committed to doing THS. Hammerer I've committed to doing the DSP and we are going to execute, execute, execute.

Scotty: I love it. So, what I'm hearing you say is you just made yourself visible in a really cool way. And, and I gotta be honest. The first thing I noticed about you was your marketing.

Kristen: Yeah.

Scotty: Like it just, it was exceptional.

Kristen: Yeah. Thank you.

Scotty: It was perfectly done. It was tasteful.

Kristen: Yeah.

Scotty: It was just it. I don't know. It just popped, you know, when you're scrolling. Wow, man, that's awesome. And like it just over and over and over and over, and I didn't really know anything about the red high heel boot, so. Is that what it like red high heel, right? [5:10.0]

Kristen: Yeah, the red high heels. And then during the awards ceremony, I wore Ruby red bedazzled boots with my red dress and it was like just that extra thing to push it right over the top. So yeah.

Scotty: You know, it's funny when we were at the San Antonio, you said, yeah, I almost forgot, I had my white boots on, on way to a closing and I had to turn around and go back and get my red boots, like, so like don't ever break them.

Kristen: Nah.

Scotty: Don't ever break that code. Yeah, that's like a bad omen.

Kristen: Yeah, it’s bad omen. That's bad vibes, like, no, I gotta have my red high heels, but I'm going into a closing red high heels gotta be on. And I change 'em every quarter. So that's another thing people don't realize. So, I'll buy a pair of red shoes every quarter and I wear 'em for that quarter. When that quarter is done, I almost like retire those shoes, like I don't wear them again. So, it's kind of a thing and like, I'm gonna have a collection, quite the collection of red high shoes here soon.

Scotty: Is it gonna be like the Kristen Morgan Hall of shoes or?

Kristen: Yeah.

Scotty: I don’t [inaudible]

Kristen: [inaudible] now.

Scotty: So, do people like, is it a thing when you go to a closing, like, Hey, will they take a picture? Make sure the red boots are shown. Is it a, it's a thing, right? [06:13.9]

Kristen: Yes. It is totally a thing. So, so really how it started. I love red. Red is my favorite color, always has been. Literally almost three years ago, it's been almost three years. I went to a closing, just wearing a black dress with my red high heels.

Scotty: Hmm.

Kristen: And I was walking across a sidewalk and this lady rolled down her window and said, I love your red shoes. It reminds me of there's no place like home, like at Wizard of the Oz. And I thought.

Scotty: Oh.

Kristen: Oh.

Scotty: Uff.

Kristen: What an idea? Yeah. And literally a lady driving by in her car. And so, at that moment, then I started using that. There's no place like home. And then I was able to take that, what is a great concept, cause it’s true, there is no place like your home.

Scotty: Right.

Kristen: Use my marketing and sat and go, man, this is my space. Like this is where I thrive. Like I really do feel like when people are going into home ownership, like how important it is. And I know how important it's to provide shelter in a place for you to call your own. And there's no place like that. So, we just coupled I got to take my favorite thing, which is red and I wear heels everywhere I go, and then take a really great idea and then make it my own. [07:22.1]

Scotty: Unbelievable. Like the Wizard of Oz, the lady said that.

Kristen: Hmm, yeah.

Scotty: And it just, and it actually fit your business.

Kristen: It did.

Scotty: That's the crazier part. She could have said [inaudible], but she said that.

Kristen: She had no idea. Yeah. She had zero idea where I was going.

Scotty: Oh my god!

Kristen: I was just walking across the street, so.

Scotty: So, it sounds like you create an experience, you know, like when people come to you and they do alone with you and they go to the it's an experience.

Kristen: Yes.

Scotty: How did that come about? Did it just happen or past sales experience? Like somebody said, Hey man, you had an experience. What was it?

Kristen: So, I would like to consider myself to be extremely creative. I am so thankful. I have to give a big shout out to Jessica Hooks, which is my, she started as my client relation client experience manager. And now she is like my business development manager. She's been working on this marketing, like she even converted my red shoes that you see now from an image that I had originally, which we should put up the original one I have to what she made, it's totally different. So, it really, all the credit goes to Jessica, how she has recreated my brand in the last two year and a half, because I started out with this basic pair of red shoes, how she's and I got fancy pair, so. [08:27.8]

Scotty: Right.

Kristen: I will tell you really, when I started in this business, I've had some incredible mentors, like my mentors were amazing. They really taught me how to get the business done, like how to be a good loan officer. But then I started having ideas about like, well, I'd like to do this and send a picture here and do this. And sometimes that's not a part of other people's business models, but it is unique to me. So, for instance, borrower comes in, get an application. One of the very first things they get is an image with me and my entire team that says meet our team. Breaks down our faces, our names, our titles. Then when they, as they go through different stages of working with us, they get an image and those red high heels are there. And then the very thing, last thing they get is an image that says clear to close, it's a picture of me with red high heels on and it says there's, nothing's more fabulous of hair, red, high heel than and a clear to close.

Scotty: Wow. [09:19.3]

Kristen: And I can't ever say that. I dunno why I can't get it out. Well, I can read it, but people wait for that.

Scotty: Wow, wow.

Kristen: So, we posted and we've tagged them in it. And like, people are waiting for that image. It's like the thing that lets to know they've met that finish line.

Scotty: Wow.

Kristen: And so, we just send it out, so send it out. And I actually had some time, one time a lady go, I didn't get that. You didn't send me that image because she saw us tagging other people in it.

Scotty: Oh no.

Kristen: And I was like, I'm so sorry, we didn't send it to you.

Scotty: Oh

Kristen: So, yeah, but I think it's things like that, like using that and saying, I want to, you know, people identify with images, you know?

Scotty: Yeah. Hmm…hmm.

Kristen: And so sending so those things creating that experience and letting them know like, Hey, we're here every step of the way we're alert and we're in tune. But the thing that really sets it apart is I feel like everybody has a story. Like I don't care where you come from, who you are, what color you are, everybody has a story. And when you're in the process of buying a house, there is a victory that's coming at the end of that, right? There's like a, a winning, a winning stance. And I love getting to know people extracting that story and then talking about it. You could go back for the last three years and see me posting about people. A man in a 60 who bought us first home, a woman who was in a coma who a, a single woman who could not get anybody to help her. [10:39.6]

Scotty: Wow.

Kristen: At all, people wouldn't take her seriously, closed a loan in less than 30 days. I mean, just story after story, after story. And I love that and I love sharing people's stories. I love sharing the stories.

Scotty: Amazing, amazing. And it shows like I have to be honest, you have that's the third time I said that today and I don't even know why I'm saying that. Like I'm honest all the time.

Kristen: You have to be honest.

Scotty: I'm brutal, honest all the time. I'm brutally honest all the time.

Kristen: I know, yeah.

Scotty: But it's your face, your brand red high heels. Is it you that talks to the customer or is there somebody, cause you're doing a lot of business? So is it you the face and actually the person on the phone or is there, and.

Kristen: Yes.

Scotty: And I know you say that and it's gonna freak everybody.

Kristen: Yes.

Scotty: Like okay.

Kristen: It is.

Scotty: It's just a billboard, but that's it.

Kristen: Yes.

Scotty: It's as far as it goes. [11:21.7]

Kristen: Yeah. And not to say that it won't ever, my team helps a lot. Like, so there are times that people get to my loan partner before they talk to me, but they are going to talk to me at some point.

Scotty: Okay. Okay.

Kristen: At some point they're gonna talk to me and I'm gonna know about their kids, their family, you know, I probably like when people have babies, I get invited to all like, someone's like, how do you get invited all these baby showers and weddings. And it's like, because I actually care about these people, right?

Scotty: Yeah.

Kristen: Like I genuinely care.

Scotty: Yeah.

Kristen: But yes, I do talk to my clients.

Scotty: Okay.

Kristen: And I know sometimes in the freedom club, they're like, oh, you let somebody, but that is my money-making activity.

Scotty: Hmm…hmm.

Kristen: Is creating a bond with someone and then saying, Hey, I love you. Let my team take care of you.

Scotty: Hmm.

Kristen: I'll see you at the finish line now.

Scotty: Hmm.

Kristen: And then I get to show up and be in those moments with them. And that's what counts for me, you know? So yeah. I do a lot of, I do talk on the phone quite a bit.

Scotty: Okay. All right. So, you're still on the front lines. Good for you.

Kristen: Hmm-Hmm.

Scotty: Okay. Cool. Well, like, I mean, this is a tough for you because like, what would you tell somebody that's stuck at that five loans a month, maybe 10 loans a month. Cause I don't even know if you had like a, just this number, this number, this number is over and over and over again. And you just eventually went or you just, it was a gradual. [12:28.9]

Kristen: It was gradual.

Scotty: It was gradual, okay.

Kristen: No, it was gradual.

Scotty: Okay.

Kristen: Yeah. Total gradual. And the thing is, is that it looks so different by everybody because everybody has to find a way to create balance. Like I know loan officers who are closing this much volume with one loan partner and one processor. But for me, that is not how I've been able to successfully do my business. I've created a tribe around me, wherever we had a weakness, I would find a strength and that would plug that person into that strength.

Scotty: Right.

Kristen: And it's just the way that we've done it. And it's worked like, if I have to say one thing for anybody, like you're stuck at five loans, right. Figure out one, is it adding someone where can you create balance? I truly genuinely got my first loan partner that was dedicated only to me. And then wherever we had a weakness, we would figure out those strengths.

Scotty: Hmm…hmm.

Kristen: When we have a weakness, find somebody else who can do that. Same thing. Every time I layer on a person, you can almost guarantee that's because I saw that there was a weak point and I wanted to be able to do all the things I wanted to do within my business. So, I make it happen that way. [13:28.7]

Scotty: Wow. Who would you say if you had to do it over again, knowing what you do now, who would be your first hire?

Kristen: Yeah, I would've hired my own loan partner a lot sooner.

Scotty: Okay.

Kristen: Because I did this sharing loan partners with other loan officers for a while. And then it was just one day, it was like, Hey, I've just kind of reached a place where I don't need to share. I would've done that a lot sooner because once I got somebody on my team, Shelby with my very first loan partner I had by myself, she's now my team leader.

Scotty: Hmm.

Kristen: And runs my entire team. And when I got her, we both had the same heart, same kind of thing and she was looking for a loan officer who actually cared about their people that worked with them and the people that they were helping. And we got on the same page and it just clicked. And it was like, we had this vision and then we've just successfully been able to add the right people. Now we've had people we've added and it didn't work and we were okay with that. We don't love people any less, we just surround ourselves with the right tribe and then we just go. [14:25.1]

Scotty: Amazing. And the, the marketing and director intrigues me because that's the one thing I think people, if you're good in sales, right.

Kristen: Hmm…Hmm.

Scotty: You're typically not good at the paper work.

Kristen: Yes.

Scotty: Your Good in sales you're typically not good marketing.

Kristen: Yes.

Scotty: How did you find this marketing person? Was she a friend? Like how did you find this marketing person that's so talented?

Kristen: Confession time.

Scotty: Ohh… Oh.

Kristen: So, half of my team were clients of mine and I watched their behavior during the process.

Scotty: Wow.

Kristen: And then recruited them. So, Jessica was somebody I met when she was pregnant with her first child years ago. He's almost four, so almost four years ago and we just connected at a party. And then a few years later, when her and her husband were looking, sell their home and buy a new home, she knew what I did, reached out to me. And I watched her during that process. And while I watched her being so attentive and, and paying attention, but then she became like one of my biggest cheerleaders and she was always like, this lady's so awesome blah, blah, blah.

Scotty: Hmm.

Kristen: Going on. And then I said, Hey, why don't you come over here really quick and let me talk to you. And now she's gone from, you know, sending out like our Tuesday and Thursday updates to now, she runs my entire marketing.

Scotty: Wow. [15:38.1]

Kristen: She does all of my social media. She does all of the like relationship she's getting ready to start. She's the one putting together, all my stuff with Thor’s hammer.

Scotty: Wow.

Kristen: She is amazing Dana, Senthin. She's my loan partner turned processor and.

Scotty: Okay.

Kristen: Dana, Senthin. We worked together at the credit union and then when we did a loan for her and her husband, it was like, you know what, it reminded me how awesome she was, so, I recruited her, you know, so like it's just watching people's behaviors and knowing that they fit into that model. And I it's almost like, I know, you know what I mean?

Scotty: Yeah.

Kristen: And so, I, like, I will tell y'all farm your clients.

Scotty: Hmm.

Kristen: Like your clients love you that understand your culture, or we're really grateful for what you've done. They might be big assets to you.

Scotty: Hell yeah.

Kristen: Cause my team, they’re pretty big assets. [16:20.2]

Scotty: That's unbelievable. Yeah, I love that. Yeah. When someone's excited and they, and she just obviously has a mindset for it cause it's, it's impeccable.

Kristen: Hmm…hmm.

Scotty: mean, it's unbelievable, so nice find by the way.

Kristen: Yes. [inaudible]

Scotty: Hang out the load.

Kristen: That's so let me tell you, we kind of, we tease Jessica sometimes because she's like the ride or die girl. And like she gets super offended if we close a loan for a realtor and they do not mention us. She's like, how dare they not mention us? And that's, you know, like.

Scotty: Wow.

Kristen: She is, she is that committed? Like in her mind, she's like, I cannot believe they did not mention us, but that's okay, we're gonna market ourselves anyway. You know, so we kind of tease her cause I'm like, it's okay. We don't have to always have the credit, you know.

Scotty: That's awesome. That's awesome. So, you wanted to mention the, you heard something yesterday on the.

Kristen: Oh yeah.

Scotty: On the breakfast club, but like what was that about? [17:06.8]

Kristen: So, I jumped on actually, there was a lady Eileen that I met at freedom club.

Scotty: Oh yeah.

Kristen: And she said, Hey, do you do the loan officers breakfast? I said, now she's like, if I, if I can say anything to you, jump on and start trying to do that. So yesterday I got on and listened. And you said something that literally struck such a huge chord with me. Like I mentioned before, my oldest daughter has some very serious health issues. She's just got a rare liver disease.

Scotty: Hmm.

Kristen: And you yesterday were talking about somebody, Tammy, I believe asked you one time.

Scotty: Yeah.

Kristen: You know, if somebody was trying hurt your family, what would you do?

Scotty: Hmm-Hmm.

Kristen: And I was listening to that and I thought to myself, I have these big goals this year. And if I'm not doing what I'm supposed to be doing, I'm hurting my family. I'm hurting the chance of being able to provide the best care for her. And I literally like burst into tears.

Scotty: Hmm. [17:52.7]

Kristen: Cause it just hit home for me.

Scotty: Yeah.

Kristen: And even though I know it's not like a physical hurting my family, it's an overall not creating the environment that I need for my children to be healthy and happy. And that just pushed me that much more.

Scotty: Hmm.

Kristen: Like my, why is them. Like, I don't do anything other than for the benefit of them. But that one thing, knowing how serious my daughter's health condition is, the people matter, everybody matters, but that is gonna be the one thing that drives me to make a phone call. When I sit there and think about what do we need in order for her to get a new liver when the time comes, like, what are, when I think of those things, that's gonna drive me to make a phone call

Scotty: Hmm.

Kristen: To make a connection and make sure I have strong and good relationships.

Scotty: Yeah. Well, I'm glad. I mean, I'm sorry to hear that your daughter is going through that.

Kristen: Yeah. Yeah.

Scotty: So, but I'm glad that I was maybe able to change that down the road.

Kristen: Fire them, yeah. Yes

Scotty: Just get fired up. So that's cool.

Kristen: You fired me up for sure yesterday with that. This is true. And we wanna do well all you know, and you do. We want, we all do this for our family, so. [18:49.8]

Scotty: Yeah. I know your family drives you and that's your why, but like, I think there's like, what is it in you? Like you have something. You get up every morning. Like you, like, you're just, you're so positive. Like I'll just be honest, my wife she's like, she is magnetic.

Kristen: I love that.

Scotty: She's like what? Like other people were Kelly, Kelly was there.

Kristen: Love this [inaudible]

Scotty: You have this glow, you know, you have this like, Hey, stick around me, hang around me. Let's talk. So, I know it's your demeanor and your core, but like where do you think that comes from?

Kristen: I think it comes from me always being able to see the best in people and knowing that people have a lot of potential on that this life has a lot of things to offer and that some of those people don't take the opportunity or the chance to actually thrive in a space of health and wellness and abundance. And I love to encourage people.

Scotty: Hmm.

Kristen: I love to look at someone and go, you can do this or tell somebody you don't need validation for this. Just do it. Or I'm an encourager by nature. Like I love encouraging people. I think that along with my heart, for knowing that people sometimes don't give themselves enough credit, including myself and they need someone to be an anchor. And I just like being an anchor. I like being able for, to know that when one of my friends is going through something and they need to call me or when same thing in the home buying process. When people are going through that and they need an anchor and they need someone, they know they can trust. And that someone who will guide them and say, Hey, I'm not just telling you this to close a deal. I'm telling you this is because it's right. We call it better and stronger families. Like I will help someone grow in a way so that when they do close on a loan, they're a better and stronger family. And so like, we work with people to get themselves in the place to do things, you know. [20:34.4]

Scotty: I love it. I love it. Yeah. I could talk to you all day, by the way. So obviously not every day is perfect, right.

Kristen: No.

Scotty: And I've never asked this question before, so bear with me. On your not so good days or something bad happens with the loan or family, whatever.

Kristen: Hmm…hmm.

Scotty: Like let's just talk business.

Kristen: Yeah.

Scotty: Cause I think a lot of people I wanna kind of bring this up on the breakfast club. What do you do to get back in the game? Get refocused. Cause like, I think a lot of people wake up in the morning, they get an email like, oh my God. And then they just spread over it all day.

Kristen: Hmm…hmm.

Scotty: And it ruins their day and lack of production. Do you have any special thing you do to get back in the zone, back in the game?

Kristen: Yep. I have two things. This is gonna be funny. Y'all are gonna die about this. So, I have two things. One I will take time away, like if I can fill myself getting way outta sync, I'll take like five to 10 minutes to go sit very quietly, like in a meditative state just to just kind of recenter myself. There's that I will also go get in the shower.

Scotty: Okay. [21:30.8]

Kristen: Sounds so weird.

Scotty: Okay.

Kristen: I know that sounds so weird, but it's to honest to God's truth. So, if I'm having a bad day and things are not like, even if I've showered twice, twice in one day.

Scotty: Back i.

Kristen: I will go get back in the shower because there's something about the water, I don't know what it is. I know that sounds so dumb.

Scotty: I love it.

Kristen: I will go get in the shower and it's like, when you're in the shower, you can't answer your phone. You can't look at emails and I'll turn on like some Cardi B.

Scotty: Hmm.

Kristen: Or some music or something.

Scotty: Love it, love Cardi.

Kristen: Whatever it is, get in the shower and just like dance and listen to music and kind of reset myself because it's just kinda like refreshing and then.

Scotty: Love it.

Kristen: And I get out. So, my girls know like my husband knows you need to go get in the bath. I was like, OK. Or go get in the shower, cause you're being crazy. So yeah. That's how I do it. Everybody try it, let me know how it works.

Scotty: So amazing. So amazing Kristen, unbelievable. Congratulations from the bottom of my heart. It's so nice to meet you so nice to spend time with you. You're awesome.

Kristen: Yeah, you too.

Scotty: I'm so excited to follow your journey. Your pictures mean so much more cause the more I get to know you and now I know what your clients feel. Cause now the pictures have meaning.

Kristen: Yeah.

Scotty: You know, and there's just more to it. So, what's next. You wanna double again? I heard you say that at the beginning. [22:37.5]

Kristen: Yeah.

Scotty: Double again?

Kristen: We're going for a straight hundred million, going straight for it and we're committed to it. We had a team meeting yesterday. We have another one to get a lot more things implemented next week, but I’ve told them, I said, listen, we're not gonna let anything standing our way, we're going. And if you're not going with me, you're in the way. So let, figure out what you wanna do and let's get going.

Scotty: That sounds like Jordan. Get on my level or get outta my way.

Kristen: Yeah, exactly.

Scotty: What he said, yeah. So, he’s, my favorite. Kristen thank you so much my friend again.

Kristen: No, thank you.

Scotty: Congratulations, I hope you're gonna be in Puerto Rico.

Kristen: Yes, I am.

Scotty: All right, all right. My wife will be very excited about that

Kristen: So yes, we’re very excited about that.

Scotty: Good stuff.

Kristen: Awesome.

Scotty: All right guys. Kristen, yeah. Follow Kristen Morgan. Find her on Facebook. Follow her all over the place. Her marketing's unbelievable.

Kristen: Yes, Jessica.

Scotty: I wouldn't say copy it unless you're a woman.

Kristen: Yeah.

Scotty: Yeah, so if you're a guy, you're gonna have to pass and figure out your own thing.

Kristen: Yeah.

Scotty: But if you're a woman, maybe just.

Kristen: Hey, and I'm a creative brain, if you want some ideas, like I'm telling you this thing here has all the ideas. If you come to me and say, Hey, I was thinking about this, I will validate you and I'll go, Hey, and you can even do this. I'm pretty creative.

Scotty: Oh yeah.

Kristen: So, ask me, I don't mind helping people come up with their own branding ideas and all their marketing.

Scotty: Love it. I'd love to have you as a guest on the breakfast club, if you ever wanna jump on and maybe like

Kristen: Yes.

Scotty: So maybe we'll do next Wednesday morning.

Kristen: Yep. I can do that.

Scotty: Awesome. All right. All right.

Kristen: Awesome.

Scotty: I'll announce it, that'd be so cool. Thank you so much.

Kristen: Thank you, Scotty. You have a wonderful day.

Scotty: You too my friend. All right, guys thank you for listening to Millionaire Loan Officer powered by Mortgage Marketing Animals and the Loan Officer Breakfast Club. Until next time stay safe and we'll see you on the web. Take care, everybody. [24:14.8]

I'm a Millionaire Loan Officer.

Thank you for tuning into the Millionaire Loan Officer podcast with your host Scott Hudspeth, don't forget to visit MLOlive.com to have your questions answered. See you next time. [24:34.6]

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