Mortgage Tech Talks (Tom Hall)

Data mining might sound eye-roll worthy, but it's easier than you think, and more relevant than ever.

To put it simply, data mining finding hidden opportunities within the information you alredy have. It doesn't mean some fancy software, some of the best data mining can be done in Excel.

Some top mortgage broker examples are: notifying variable clients on a rate changes, scoring top clients, and tracking non-subject property renewals.

To have it work for your business our keys to success are:

1. Good data in equals good results out.
2. Use your past experiences to guide where you look.
3. And once you "strike gold", have the right tools in place to act fast.

Oh, and AI? It's like having super-smart helpers find hidden gems in your data. So, don't be left behind – go hunt those treasures!

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We hear it all the time- brokers want to focus on brokering, not tech. And we get it. Brokering is essential to your business, whereas some tech tools are not.

These brokers end up outsourcing a lot of their tech, which is great in the short run, but creates some long term risk.

So how to decide you're what to outsource? It's useful to follow this framework:

1. Own It!: Keep control of essential tasks that directly impact your success.
2. Be Dangerous: Know enough to handle critical tasks, even if you didn't set them up.
3. Fully Outsource: Delegate tasks that don't need your direct attention, like intricate website coding.

The biggest caveat is to stay updated on tech trends because things change fast. Don't get too comfy with outsourcing, as what used to be hands-off might now need your attention. Staying tech-savvy is key in the ever-evolving world of mortgage brokering!

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Amidst COVID-19, the mortgage industry swiftly shifted online. Now, post-pandemic, a return to in-person interactions is deemed crucial. Video bridges the gap.

Top Examples Used by High-Producing Brokers

1. Introduction: Start with a personalized video showcasing common interests or connections for trust-building.
2. Signing Package Walkthrough: Simplify complex documents, aiding compliance.
3. Current Event Explanation: Address market developments like rate hikes to be a reliable information source.

Why choose video?

1. Builds Trust: Seeing a person's face fosters trust, leading to client receptivity and a positive feedback loop.
2. Strengthens Personal Brand: Sets brokers apart from institutions, establishing a competitive edge.
3. Clarifies Complex Concepts: Visual aids are crucial for explaining intricate mortgage details.

What's the ideal setup?

To begin, use existing equipment so there is $0 of investment needed. Once comfortable, invest in tools like Loom or BombBomb for easy sharing upon progress. Full equipment upgrade only necessary for frequent video production.

Video provides a distinct advantage. Minimal cost means there's no reason not to start now.

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Calendar booking tools streamline the meeting scheduling process by replacing back-and-forth emails with a single link for clients or colleagues to book a time directly in your calendar.

Every Calendar booking tool should be able to integrate with your calendar, and ensure accurate availability. Support for group bookings and integration with video conferencing tools are "nice-to-have" features that can differentiate products.

Calendly:

Market leader with top-notch integrations. High reliability but comes at a higher price.

HubSpot:

Integrates with GSuite and O365 Simple but may have limitations. Free for HubSpot users.

Zoho Bookings:

Zoho's tool with full integration within the Zoho ecosystem. Integrates with GSuite and O365, but reliability may be a concern. Free for Zoho CRM users.

If you're using Zoho or HubSpot use their booking tool. It'll save you money and reliability is generally good within the same ecosystem. In all other cases, Calendly stands out with top-notch integrations, reliability, and efficiency. It's well-worth the higher cost.

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It's only 1 month into 2024, and it's already been a crazy start to the year.

We are seeing a level of optimism and activity that hasn't been around for months. But is this translating to more business as a mortgage broker?

We discuss this in the episode, as well as marketing tips to A) convert leads in this environment and B) how to educate your clients and partners to make sure you're not left in an awkward position.

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Deal Desks are starting to gain serious traction in Canada. A Deal Desk is a central hub where agents send in live deals for underwriting while still hustling on the sales front. It's a win-win for brokerages and agents- optimizing admin work and letting agents do what they do best – connect with clients and brokers. Of course, you gotta have some slick tech to run these Deal Desks smoothly.

In this episode, we dig into these benefits and what to consider (and watch-out for) when implementing a Deal Desk system.

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More and more of our clients are in the process of switching brokerages. And it makes sense! As the market slows down, it creates the perfect opportunity to look around. So what does this mean for tech?

Should You Switch Brokerages for Better Tech?

Frequently the "pitch" for a new brokerage is being "tech-enabled", and allow you to double your productivity.

In practice, we don't see this as completely true. Between all deal submission platforms, it's probably +/-25%. So it can help, but it's not a game-changer.

Every now and then, a platform will release a new feature that gives them a temporary edge- until all the other platforms catch up!

So pick a brokerage based on flexibility so you can take advantage of these new features when they come up.

How Tech Makes Your Switch Easier

While your deal submission platform is tied to the brokerage (technically they provision the software and give agents access), all other tech doesn't have to be!

Make an effort to own all other technology. This can include eSign, CRM, Calendar Booking, Online Meetings, email inbox, website, etc.. By doing so, the switch becomes much easier.

The same concept applies to your data. In the deal submission platform, the data is technically owned by your brokerage. Make sure this data is on an external system (CRM, Excel, etc.) that you own- so you're not held hostage to your own data!

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An "All-in-One System" sounds like a dream come true for brokers. And we get it, on first glance there is so much to like about this concept. However, on a deeper dive, it might not be the best choice for their business. Here's why:

1. Doing Too Much: If a contractor tried to do a full renovation with a single tool, they wouldn't do any of them part really well, right? That's the same with an all-in-one system. It's a jack of all trades, but a master of none.
2. Difficult to Modernize: If a new tool comes out that makes your business more efficient, you'd want to use it, right? With an all-in-one system, adopting these new tools means changing your whole business.
3. No Flexibility: Picture the contractor again. If the "hammer" within the single tool breaks, they're in trouble. With separate tools, they can just swap out what they need and keep going.

To be sure, the US is always a good gut check since they're 2-5 years ahead of us in technology. The reality is that they're more fragmented, not less.

So, instead of going all-in-one, it's could be better to use many specialized tools. To make your "toolkit" successful, make sure each tool integrates AND you have clear instructions for you and your team.

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Want to take full advantage of the holiday break to optimize your mortgage business for 2024?

Check out our top tips of how to best us your time off.

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The surprising answer? Flexibility!

The emphasis on flexibility comes from the rapid evolution of the tech landscape. We don't know where tech is going, and you need to stay in a position to fully take advantage of new innovation.

Flexibility involves both software products and team dynamics. For software, a flexible product seamlessly backs up data and boasts a fully Open API. Flexibility is not just a product attribute but a cultural value, evident in a company's pricing flexibility.

Regarding teams, flexibility isn't about chasing every tech trend but understanding the cost/benefit of transitions. Upfront costs should be balanced with a focus on long-term gains.

In the realm of Canadian Mortgage Tech, a historical monopoly has given way to collaborative players. However, uncertainty lingers, defining the industry's current state.

The trajectory from this uncertainty rests on your influence. Advocating for flexibility from software providers becomes a potent driver for transformative change in the Canadian Mortgage Tech sector.

For those who haven't prioritized flexibility, now is the time. Embracing flexibility positions your enterprise to harness the full potential of forthcoming technological advancements.

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Hey! Remember when video conferencing was a mystery? Now, it's part of daily life. But, seriously, when did you last think about the tool you're using?

1. Quality Matters: Video feeds differ, and it's not just about internet speed. The tool matters for top-notch quality.
2. Joining Should Be a Breeze: A great video is useless if folks can't join. It should be easy—no complicated downloads.
3. Fit into Your Workflow: Your video tool should blend seamlessly with your daily tools. Integration is key.
4. Privacy Check: Some tools may snoop on your video data. Do you care?

Now, for the results:

• Google Meets and Microsoft Teams (B+): Easy entry, especially if you love G-Suite or Office 365. But be careful if you don't want to be in the Google/Microsoft ecosystem forever
• Zoho Meeting (B-): Good video, no downloads, but joining can be a hassle. It's really for users who are deep in the Zoho ecosystem.
• Zoom (A-): The golden child. Best quality, everyone knows it, plays nice with everything. Yeah, you have to download it, but who hasn't?

Winner? In general, we say Zoom, but it does depend on you. Think about the most important factors for you, and then make your decision.

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Technical debt is the proficiency gap between your current technological capabilities and the most tech-advanced mortgage professional in Canada (who we called Sally).

Interest amount in technical debt are the additional time spent on a task compared to Sally. The principle amount signifies the time required to catch up to Sally. And so the interest rate on technical debt is, of course, the interest amount / principle amount.

Prioritizing high-interest technical debts is a strategic move. Rather than adhering solely to minimum payments, tackling significant debts is the most efficient. This approach not only conserves time but also bolsters confidence to tackle the next "debt".

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In this episode, we're joined by our very first guest, Ben Salami! Ben is the Founder and CEO of Bendigi Technologies and the Canadian Mortgage App (CMA). The Canadian Mortgage App is a mobile app that helps home buyers, homeowners, real estate agents, and mortgage brokers easily navigate the complexity of mortgages, and has been downloaded over a million times.

In this episode we cover: → The development and challenges of creating the Canadian Mortgage App and where it's going next.  → Keys to making a successful app including providing value, monetizing and growth, developing app features, market feedback, and advice for anyone wanting to make their own app. → The mental fortitude and vision belief to stay the course, balancing new projects, and the investing in your business mindset needed to grow.

Bendigi Technologies Website: www.bendigi.com

Canadian Mortgage App Website: www.canadianmortgageapp.com

Ben Salami's LinkedIn: @BenSalami

Ben Salami's Instagram: @bendigi

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In this episode, I am back with another "Market Update" solo show, where I go over some of the latest news in mortgage tech in Canada.

In this episode I cover: → The new tool from Mortgage Logic News, an amortization simulator and term calculator, if it's worth the ROI, and if I think it will become mass adopted among Brokers. → The drop in inflation, what this means for rates moving forward, and building back consumer trust with variable rates. → The upcoming National Mortgage Conference in Montreal, how keep from getting overwhelmed with information, and what you should be focused on.

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🚀 As AI takes over more marketing tasks, where does that leave mortgage brokers?

In this episode of Mortgage Tech Talks, Tom Hall breaks down the hidden gaps AI leaves in the market and how mortgage brokers can stand out in an increasingly noisy digital world.

🔍 AI is revolutionizing marketing—big banks and Fortune 500 companies are doubling down on automated content. But there are three key areas where AI falls short, creating a massive opportunity for brokers who know how to leverage their personality, industry expertise, and communication skills effectively.

• The biggest weaknesses of AI-driven marketing and how to exploit them to your advantage
• Why authentic personality is more valuable than ever in a sea of AI-generated content
• How to use context to cut through the noise and build deeper client relationships
• The power of concise communication—why short, natural messaging beats AI-generated fluff
• How to tailor social media, email marketing, and SMS messaging to win in 2025

⏳ 00:00 - Intro: The AI revolution in marketing ⏳ 01:14 - AI’s growing influence in mortgage marketing ⏳ 03:32 - How Fortune 500 companies are using AI for content ⏳ 05:57 - The rise of AI-generated blogs—what it means for brokers ⏳ 07:51 - What AI is good at (and why you should still use it) ⏳ 08:32 - The 3 major weaknesses of AI in marketing ⏳ 09:02 - #1: AI lacks personality—why human connection matters more than ever ⏳ 10:50 - #2: AI struggles with context—how to make your messaging more relevant ⏳ 11:10 - #3: AI-generated content is too long—why concise messaging wins ⏳ 12:06 - How to leverage social media to showcase personality ⏳ 13:04 - Why email marketing with personalization beats AI-generated content ⏳ 14:20 - How text messaging can be your secret weapon ⏳ 16:14 - The importance of short, natural communication ⏳ 17:53 - Final thoughts: How brokers can stay ahead in an AI-dominated world

🔥 If you're a mortgage broker looking to cut through the noise and dominate your market in 2025, this episode is a must-listen.

🎧 Tune in now and start winning in an AI-driven world!

In this episode of Mortgage Tech Talks, we're joined by 20-year mortgage industry veteran Russ Morrison, who shares game-changing insights on how brokers can shift from transactional selling to strategic advising.

🔍 Russ breaks down why brokers must move beyond rate-focused discussions, how to optimize lead conversion ratios, and the power of surrounding yourself with the right people in business. Plus, we dive into how his TMS (Tactical Mortgage Solutions) platform is transforming mortgage strategy conversations.

🔗 Timestamps: 00:00:00 - The five reasons consumers come to brokers 00:00:14 - Selling solutions vs. solving problems 00:00:30 - The importance of having the right people around you 00:01:09 - Introducing Russ Morrison & his mortgage journey 00:01:56 - How Russ has optimized his strategy sessions 00:03:17 - The power of a strong network in the mortgage industry 00:05:47 - Virtual vs. in-person collaboration: What works better? 00:07:57 - How to survive market cycles & inflation challenges 00:10:05 - Facing industry struggles head-on & improving conversion rates 00:12:25 - Why a CRM is crucial for broker success 00:14:00 - Understanding lead-to-funding ratios & where business actually comes from 00:17:11 - Surprising data on conversion rates from different lead sources 00:21:26 - The two biggest factors for improving conversions 00:22:23 - The importance of structured upfront conversations 00:25:09 - The power of process: How to win over the right clients 00:28:56 - Knowing when to say NO to bad-fit clients 00:30:45 - Why brokers must shift from transactional to trust-based advising 00:33:15 - TMS: The tool designed to streamline mortgage strategy conversations 00:38:55 - The future of mortgage advising: Show, don’t tell 00:42:41 - The tech side of mortgage brokering & growing a scalable business

📢 Enjoying the show? Don’t forget to like, subscribe, and drop a comment below with your thoughts! What’s your biggest challenge as a mortgage broker?

#MortgageTech #RealEstateFinance #MortgageBroker #FinancialStrategy #BusinessGrowth

In this episode of Mortgage Tech Talks, Tom recaps his recent panel at the Canadian Mortgage Summit in Vancouver and dives into three of the biggest themes shaping the mortgage tech space right now:

1. The massive edge brokers have when adopting new tech like AI

2. The rollout of Velocity 3.0 and why it matters

3. Why B deals, reverse mortgages, and commercial lending are gaining momentum

From real talk about overwhelmed brokers to the long-term promise of seamless AI adoption, this episode explores how the most adaptable brokers are winning — and how you can too.

👇 Timestamps:

00:00 – The unfair tech advantage mortgage brokers have over banks 00:17 – Why you should start with the client journey, not the tool 00:33 – Don’t get overwhelmed: solve one pain point at a time 00:55 – Energetic intro & why today’s update matters 01:14 – Takeaways from the Canadian Mortgage Summit 02:13 – Who was on the tech panel & what they discussed 02:50 – Why AI needs to be reverse-engineered from your client journey 03:37 – Pain points first, tech second: the key to adoption 04:11 – Create memorable client moments (and stories) 05:13 – Why brokers can adopt tools faster than banks 05:47 – 70/30 split: who’s getting ahead, and who’s overwhelmed 06:57 – The real job of tech companies right now 07:13 – Why early adopters win in the short term 07:54 – Just like Gmail: AI adoption will get easier 08:44 – What’s coming with Velocity 3.0 (and why it matters) 09:47 – Improved UI, security, speed & data handling 10:28 – Could this enable smarter AI tools in the future? 11:16 – New lender tech announcement: why it’s bigger than it seems 12:18 – Why B deals are everywhere right now 13:02 – Brokers pivoting to B and commercial deals 14:04 – The rise of reverse mortgages & agile broker strategies 14:46 – Why being nimble is brokers' superpower 15:24 – Final thoughts: opportunity in the chaos

🎧 Whether you're a tech-forward broker or just trying to keep up, this episode will give you fresh insights on where the industry is heading and how to stay ahead of the curve.

👇 Drop your thoughts in the comments and don’t forget to subscribe for more weekly insights from Mortgage Tech Talks.

#mortgagebroker #mortgagetechnology #AI #velocity #mortgagetips #canadianrealestate #mortgageadvice #fintech #MortgageTechTalks

🚨 Rocket Mortgage Canada is out! What does this mean for brokers, lenders, and mortgage tech? 🚨

In episode 65 of Mortgage Tech Talks, we dive into the latest industry updates, including: ✅ The exit of Rocket Mortgage Canada and its impact on the mortgage landscape. ✅ The downward trend of bond yields and how it affects mortgage rates. ✅ The Canadian Mortgage Awards—who made the list and what it says about industry trends.

🔍 Timestamps: 00:00 – Bond yields are dropping—what it means for the market 00:19 – How uncertainty affects mortgage brokers and their clients 00:39 – Why this turbulence could be good news for brokers 00:59 – Rocket Mortgage Canada exits—breaking it down 02:17 – How the news broke and what led to the decision 03:04 – Is this a response to tariffs? 03:41 – The impact on mortgage tech and Finmo 04:18 – Rocket Mortgage’s connection to Lendesk and what’s next 05:20 – What does this mean for competition in Canada? 07:05 – Canada’s lack of mortgage market competition—good or bad? 08:15 – The effect of U.S. policies on Canadian mortgage rates 09:36 – What falling bond yields mean for mortgage rates 10:37 – How brokers can use this uncertainty to help clients 12:57 – The Canadian Mortgage Awards—who made the list? 13:37 – Service Provider of the Year category—who’s missing? 14:02 – Digital innovation in brokerages—what’s changing? 14:43 – New category: Innovator Champion of the Year 15:53 – Who’s really leading innovation in the industry? 16:08 – Is tech taking a backseat to broker and lender-led innovation? 16:25 – Final thoughts—where is the mortgage industry headed?

📢 Like & Subscribe for more insights on mortgage technology and industry trends!

#MortgageNews #RocketMortgage #MortgageTech #CanadaRealEstate #MortgageRates

In this episode, I share 3 specific tech tools I have my eye on for 2025, and why you should also be considering them for your business.

In this episode I cover: → Smart scheduling with AI-powered calendar, Reclaim.ai. → Document scanning tools, if they should be done by third party companies or deal submission platforms, and who should be paying for it, lenders or agents. → The battle of the various home-valuation tools attempting to break into the Canadian market and the challenge of adoption from agents.

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In this episode, Massimo and I discuss how you can go about executing a client-centric webinar, and different ways you can use a webinar in your business.

In this episode we cover: → What to look for in a webinar application. → The differences between webinar applications like Zoom, Zoho Webinar, and other softwares. → The intersection of quality, integration, and cost.

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In this episode, Tom & Massimo discuss the importance of owning your own domain for both your website and email hosting for your business, and how setting it up is much easier than you think.

What was discussed: → How owning your domain can make you appear more professional and give you freedom for your business. → The do's and don't's for choosing a domain name. → And the simple steps to setting up your domain for website and email hosting.

Learn how to set up your domain here: https://ca.godaddy.com/help/domains

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In this episode, we're joined by Chris Grimes. Chris is the Co-Founder & CEO of FundMore.ai, and has worked in the financial industry for 20 years. Gaining experience in wealth management, credit lending, and mortgage origination, he is passionate about advancing the mortgage industry through technology and forward-thinking initiatives. FundMore.ai is an automated underwriting system that uses machine learning to streamline the pre-funding process for loans. The mission? To make home-ownership more accessible.

In this episode we cover: → Chris's journey in the industry and the transition from Broker to building lender software, the evolution of Fundmore.ai, and future features they hope to roll out. → The challenges of the lender tech space, what keeps lender tech so stagnant and how to disrupt it, and societies "analysis paralysis" problem. → The future of mortgage lending, how open banking, the blockchain, & AI could revolutionize the mortgage industry, and the need to address consumer trust and adoption concerns around emerging technologies.

Fundmore.ai Website: www.fundmore.ai

Fundmore.ai Instagram: @fundmore.ai

Fundmore.ai LinkedIn: @Fundmore.ai

Chris Grimes' LinkedIn: @ChrisGrimes

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In this episode, we're joined by Jeff Ingram. Jeff is a Co-Founder & Mortgage Broker at Ingram Mortgage Team from Surrey, BC, and has been in the mortgage industry for 15 years. Jeff is also a Co-Owner of Compare My Offers, the first tool of its kind where Brokers can educate clients on the differences between lenders and products and show them the value of using a Mortgage Broker. He is also a Co-Founder of both Co-Brokr Investments Ltd., and BrokerSquared, a collaborative brokerage that prioritizes the growth and success of its brokers. 

In this episode we cover: → Jeff's experience being a beta user for multiple tech tools, balancing the Broker and client experience with tech, and trusting client feedback on what he adapts permanently to his business. → The huge competitive advantage the Broker channel has over the banks when it comes to tech feedback loops and speed of implementation, how this has led to the growth of their company Compare My Offer, and the next steps for the business. → His in-person co-brokering space Co-Brokr, which has been a huge advantage to his team and fostered collaboration among Brokers from multiple brokerages, and the importance of having the right partners for all his teams and business ventures.

Ingram Mortgage Team Website: www.ingrammortgageteam.com

Ingram Mortgage Team Instagram: @ingram.mortgage.team

Ingram Mortgage Team Facebook: @Ingram.Mortgage.Team

Compare My Offers Website: www.comparemyoffers.ca

BrokerSquared Website: www.brokersquared.ca

BrokerSquared Instagram: @broker.squared

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In this episode, we're joined by Shawn-Marc Melo. Shawn-Marc is the Founder & Principal Broker at Lendwire Inc. from Ontario, a leader in Canada's new FinTech initiative in the mortgage space. Lendwire combines multiple branches of a brokerage, a lender, and they are also moving into the tech space. This model allows them to use capital from the brokerage and lending branches to fund their tech, as it's becoming increasingly difficult to get funding.

In this episode we cover: → How the Lendwire branches function together, why he felt it was necessary to have multiple branches, and why this is a unique model in Canada. → Predictions for the next decade and taking advantage of tech trends, differentiating from the competition, and what's gone into the Lendwire App. → His mindset about tech and why execution is the key to success.

Lendwire Website: www.lendwire.com

Lendwire Instagram: @lendwire

Lendwire LinkedIn: @lendwire

Shawn-Marc Melo's Email: shawn@lendwire.com

Shawn-Marc Melo's LinkedIn: @smarcmelo

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In this episode of Mortgage Tech Talks, we break down one of the most common questions mortgage brokers have: Should you be using workflow automation tools like Zapier, Make (Integromat), or N8n in your business?

Here’s the thing—automation tools can save time and boost efficiency, but most brokers either avoid them entirely or hire someone to build complex systems they can’t maintain. That’s a problem.

Tom dives into:

• What these tools really do
• Pros and cons of the top platforms
• Real-world examples from the mortgage industry
• A checklist to know if automation is right for you

⏱ Timestamps 00:00 – Why most brokers struggle with automation 01:09 – What are workflow automation tools? 02:32 – Real-world example: Calendly + Zapier + Twilio 05:44 – Automation for CRM integration (Mortgage use case) 06:42 – Should you do it yourself or hire someone? 07:13 – Zapier: Pros, cons, and pricing 10:06 – Challenger tools: N8n and Make 13:00 – Visual walkthrough of Make (Integromat) 14:13 – Summary of the three tools compared 14:35 – Do YOU actually need automation? 16:19 – The checklist: Is it worth it for YOUR business?

🔧 Whether you’re a tech-savvy broker or just getting started, this episode helps you decide if it’s time to roll up your sleeves—or save your money.

Got questions? Drop them in the comments!

#mortgagetech #workflowautomation #mortgagebroker #zapier #crmtips #mortgagemarketing #automationtools #mortgagebusiness

In this episode, I am back with another "Market Update" solo show, where I go over some of the latest news in mortgage tech in Canada.

In this episode I cover: → How AML is shaking up the tech used by brokerages and agents alike. → Tech themes from recent mortgage conferences including AI, deepfakes & fraud, and password management. → Scarlett doubling down on client experience.

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In this episode, I am back with another "Market Update" solo show, where I go over some of the latest news in mortgage tech in Canada.

In this episode I cover: → The Rocket Mortgage & BRX partnership and what it could mean for Brokers. → Nesto's acquisition of CMLS, which includes Intellifi, and what this could mean for Nesto Mortgage Cloud. → The Axess Law & Velocity partnership and what this could mean for mortgage regulation with solicitors.

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In this episode, we're joined by Wendy Meier. Wendy is a Mortgage Agent at The Mortgage Centre Sky Financial and a National Sales Executive at NETTRAKK from Edmonton, Alberta. Taking inspiration from products in the US, Wendy combined her background as a Strategic Sales Executive selling tech and 15 years of experience in mortgages to create NETTRAKK, an automated lead generation marketing platform for Mortgage Agents, Realtors, and their clients. NETTRAKK is the only post-closing client portal, maximizing the potential of your client database.

In this episode we cover: → Wendy's journey in mortgages and founding NETTRAKK, how NETTRAKK stands out among competitors, and how NETTRAKK also benefits Realtors. → The challenges for Brokers in implementing new tech, juggling priorities and knowing what is "mission critical", and how to know when you've found the right partner or team. → The asset of first hand industry knowledge, keeping on track with a 30,000ft view of your project, and tech trends Brokers should be watching for.

NETTRAKK Website: www.nettrakk.ca

NETTRAKK Facebook: @nettrakk

Wendy Meier's Website: www.wendymeier.ca

Wendy Meier's LinkedIn: @WendyMeier

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In this episode, we're joined by Scott Larter. Scott is the VP of Business Development at OPTA Information Intelligence, and is also the VP of Data Solution Sales at FCT (First Canadian Title) from the Greater Toronto Area in Ontario. OPTA and FCT entered a partnership in 2020 to focus on building data products for the mortgage industry, amassing a database of 18 million residential and 7 million commercial properties across Canada. In 2024, Scott became the Co-Founder and CEO of BrokerBot, a lead conversion and customer engagement solution with monthly real estate market values sent directly to a customer's email, putting a spotlight on the Broker.

In this episode we cover: → Scott's background, his history in sales, and the difference in selling tangible things like Blackberries for Rogers, and intangible ideas and services like data for OPTA and BrokerBot. → How BrokerBot came to exist and found it's client niche, what makes it different from it's competitors, and how it helps find opportunities in your book of business. → Leveraging insurance data for the mortgage industry, why data is an important element in building that trust, and current market dynamics.

BrokerBot Website: www.thebrokerbot.ca

BrokerBot LinkedIn: @BrokerBot

BrokerBot Instagram: @brokerbot_canada

Scott Larter's Email: scott@thebrokerbot.ca

Scott Larter's LinkedIn: @ScottLarter

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In this episode, I am back with another "Market Update" solo show, where I go over some of the latest news in mortgage tech in Canada.

In this episode I cover: → The upcoming "renewal cliff" in the Canadian mortgage market, where over 50% of mortgages will be up for renewal in the next two years, presenting both challenges and opportunities for mortgage professionals. → The $500 billion investment initiative called Stargate, led by companies like OpenAI, NVIDIA, and Oracle, aimed at developing advanced artificial intelligence (AI) and achieving Artificial General Intelligence (AGI), and what you can do to be ready for this tech. → The potential impact of a 25% tariff from the US and Canada's retaliation, which could force the Bank of Canada to raise the overnight rate by 300 basis points, or 3%.

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In this episode, I embark on my first solo show with a new format titled "Market Update", where I go over some of the latest news in mortgage tech in Canada.

In this episode I cover: → The new Anti-Money Laundering (AML) regulations from FINTRAC that will come into effect in Canada on October 11th of this year. → The Pine & Wealthsimple partnership. → The DLC & Neo Financial partnership.

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In this episode, we're joined by Stephen Green. Stephen is the Owner of Stephen Green Mortgages and the Leader of The Financial Collective from Kitchener, Ontario, who spent 25 years at the bank before become a Broker in January of 2023. Stephen has also hosted "The Green Effect" podcast since 2018, and is a power user of BluMortgage, integrating tech as much as possible in his process.

In this episode we cover: → Why he left the bank and the advantages that have come with being a Broker. → How he has integrated BluMortgage, his tech stack, and his mindset when it comes to implementing tech into his business. → AI and what it can and can't do (yet), and advice to those starting out in the industry.

Stephen Green's Website: www.lendmemoney.ca

Stephen Green's LinkedIn: @SGMortgageAdvice

Stephen Green's Instagram: @sgmortgageadvice

Stephen Green's YouTube: @sgmortgageadvice

Listen to "The Green Effect" here.

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In this episode, I am back with another "Market Update" solo show, where I go over some of the latest news in mortgage tech in Canada.

In this episode I cover: → Centum's Mortgage Monitor, home auto-valuation models or AVMs, and the difference between Canada and the US when it comes to AVMs. → How networks are playing in technology in how they're using it, and the increase in value-add services to Agents that are agnostic to deal submission platforms. → A new update in Finmo, what it says about their possibly changing methodology, and the all-in-one tool vs. best in class.

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In this episode, Tom & Massimo discuss how deal submission platforms make their money and how this affects Mortgage Brokers and their businesses.

What was discussed: → The history of submission platforms and their economic model. → The growing of exclusive partnerships with lenders and brokerages/networks. → What they will do to keep Brokers using their platforms.

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In this episode, we're joined by Dean Lawton. Dean is a Partner at A Better Way Mortgage Group within the DLCG Network from Vancouver, BC, and has been in the industry since 2013. A Better Way Mortgages is one of the largest brokerages in Western Canada, producing over $3 billion in mortgage volume annually, and is also the only brokerage in Canada giving brokers the choice of aligning with 2 of Canada's largest networks: Dominion Lending Centres or Mortgage Architects. Dean is also a Partner at Thrive Mortgage Co., which specializes in business-owner relationships and investment portfolios.

In this episode we cover: → Dean's journey in the mortgage industry, the change in mindset in going from Broker to Partner, and how to support individual agents at an agnostic brokerage. → If mortgage conferences are worth the ROI, implementing process changes in your business, and the human touch in building client relationships. → AI & becoming advanced with mortgage tech, the Canada/US tech divide, and the increase in industry regulations & AML.

ABW Mortgages Website: www.joinabw.ca

ABW Mortgages Instagram: @abetterwaymortgages

ABW Mortgages LinkedIn: @ABetterWayMortgages

Dean Lawton's Instagram: @thedeanlawton

Dean Lawton's LinkedIn: @DeanLawton

The Mortgage Broker Podcast: @MortgageBrokerPodcastNetwork

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In this episode, we're joined by Canadian mortgage titan Ryan Wiley. Ryan is a Co-Owner of Strategy Hub from Kelowna, BC, and a Co-Founder of The VIP Club. Ryan spent 15 years being a Mortgage Broker, and refined his business to do tens of millions of dollars in volume while working only 12 hours a week. Ryan is also the host of "The Mortgage Game" podcast, and for the past 2 years has been a coach who's goal is to help Mortgage Brokers grow their business and live their best life.

In this episode we cover: → How Ryan built his mortgage business, linking online webinars with value adds for referral partners, and why Ryan transitioned from being a Mortgage Broker,  → Building SAAS, software as a service, companies, and partnering with Jason Henneberry for The VIP Club and Strategy Hub. → The difference between the mortgage tech markets in Canada and the US, the importance of data, and how Ryan was able to take so many professional risks over his career.

Strategy Hub Website: www.get.mystrategyhub.ca

The VIP Club Website: www.thevipclub.io

Ryan Wiley's Website: www.iamryanwiley.com

Ryan Wiley's Instagram: @iamryanwiley

Ryan Wiley's LinkedIn: @RyanWiley

The Mortgage Game Podcast: https://wavve.link/mortgagegame

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In this episode, we're joined by Christian Amurao. Christian is the Founder and Executive Director of the Open Doors Mortgage Team from Surrey, BC, and has been in the mortgage industry for over 15 years. Christian is also a Co-Founder of the brokerage BrokerSquared, a collaborative brokerage that prioritizes the growth and success of its brokers.

In this episode we cover: → Using systems and processes to successfully grow a team. → Working on and not in your business and integrating new systems. → And the pros and cons of all-in-one vs specialized programs.

Open Doors Mortgage Team Website: www.odmt.ca

Open Doors Mortgage Team Instagram: @opendoorsmortgage

Open Doors Mortgage Team YouTube: @Opendoorsmortgage

BrokerSquared Website: www.brokersquared.ca

BrokerSquared Instagram: @broker.squared

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In this episode, Massimo and I discuss where he's been the past few weeks, what led to his shift in focus, and what's next for him and Cloven CRM.

In this episode we cover: → The benefits of a single focus, when you've hit the point to stop splitting your focus, and how you can narrow your focus. → What to think about in personal vs company branding, what works better, and how it can benefit you. → Massimo shifting his focus to solely be on the Cloven CRM for Financial Advisors, and the importance of having good team members.

Cloven CRM Website: www.cloven.ca

Massimo Ianniruberto's LinkedIn: @MassimoIanniruberto

Massimo Ianniruberto's Instagram: @masslovescrm

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In this episode, we're joined by Dan MacDonald. Dan is the Co-Founder and CEO of Ownwell from Vancouver, BC, who formerly worked his way up at Lendesk through product management to be the CPO. Ownwell drives repeat and referral business for Canadian mortgage pros by helping their clients build wealth through homeownership. Using data, Ownwell sends highly relevant personalized content to your clients every month which allows you to increase engagement and stay top of mind.

In this episode we cover: → Dan's background and what led him to develop Ownwell, what Ownwell is, and the problem's that Ownwell solves. → The importance of having the right data, making sure you add context to that data, and putting products in the correct frame for clients to accept them. → Integrating Ownwell with CRMs, the Canada & US differences with mortgage tech, and how Canada can become more competitive with the US.

Ownwell Website: www.ownwell.ca

Dan MacDonald's LinkedIn: @DanMacDonald

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In this episode, I deep dive into my top 3 email templates that have the highest open rates, between 70-90%, what they look like, and how you can use them.

In this episode I cover: → Templates for a referral source. → Templates for meetings/in-person events. → Templates for new leads.

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In this episode, Tom & Massimo discuss the strategy of email marketing to a Mortgage Broker's database, and different types of tools that you can use for this concept.

What was discussed: → The points of friction which deter Brokers from using this strategy. → The importance of email deliverability. → And the pros and cons of 4 different types of tools Mortgage Brokers can use.

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In this episode, Tom & Massimo discuss the rise in use of document portals and online applications by Mortgage Brokers in the last 5 years, and how they can enhance efficiency, security, and client experience.

What was discussed: → What document portals and online applications are and their best features and practices. → They enter the debate of if they should require logins for clients to access. → And touch on platform integrations and power dynamics in the Canadian mortgage industry.

Check if your email has been hacked here: www.haveibeenpwned.com

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In this episode, Massimo and I discuss building your own proprietary software, either on the brokerage, team, or individual level, and if it's something you should consider or if it's a shiny object.

In this episode we cover: → Why brokerages build their own software products and if they're successful. → Successful known software that started out build by individual teams. → And the investment needed of both time, money, and skill that is required to do this.

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In this episode, we're joined by Jason Henneberry. Jason is an entrepreneurial junkie from Duncan, BC, with a passion for helping real estate and mortgage pros attract and convert more clients. He’s the creator and co-founder of several widely implemented tech and finance solutions including LenderSpotlight, The VIP Club, Strategy Hub, Fundible, and BrokerHQ, while also being the co-founder and COO of Tango Financial, which funds $4.5 billion annually in mortgages. His newest tech venture is Nrture, an all-in-one database marketing service to nurture your client list.

In this episode we cover: → How to transition from being a solo Broker to other projects, how to find and keep talented people, and your most valuable asset. → How LenderSpotlight was developed, marketed, and why it was given away for free, the difficulties of launching a product, and why you need to figure out who your customer is. → The end of tech euphoria in the real estate industry, and how Jason is building tools and services to address new industry gaps with Strategy Hub and The VIP Club, and the launch of the new database marketing service, Nrture.

Strategy Hub Website: www.strategyhub.ca

VIP Club Website: www.thevipclub.io

Nrture Website: www.nrture.io

Tango Website: www.tangofinancial.ca

Jason Henneberry's LinkedIn: @JasonHenneberry

Jason Henneberry's Instagram: @jasonhenneberry

Jason Henneberry's Facebook: @JasonHenneberry

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In this episode, we're joined by Dong Lee. Dong is the CEO of Axiom Innovations Inc. from Mississauga, Ontario, who has over 25 years of experience in the mortgage lending and brokering industry. His career extends from bank management with TD, being a BDM with Scotiabank & CMHC, VP of Mortgage Architechs, COO of DLC, and even the 26th Chair of the Board of MPC, leading to a wealth of experience and expertise in sales & operations.

Axiom Innovations supplies business automation and software solutions for various industries, including the Scarlett Network for mortgage lenders and professionals. With Scarlett, you can eliminate the need for costly monthly subscriptions to multiple systems and consolidate all your mortgage tools into one and that lets you manage your business from start to finish.

In this episode we cover: → How Dong created his industry reputation, if there's anything he would've done differently in his career, and transitioning from DLC to Axiom Innovations. → The importance of partnership in entrepreneurship, playing to your strengths and hiring skillsets for complementary partnerships, the value of in-office collaboration, and finding win-win solutions with competitors. → The secret sauce of building business momentum, why everyone should be making informed decisions, and where AI should be used in your business.

Axiom Innovations Website: www.axiominnovations.com

Axiom Innovations LinkedIn: @AxiomInnovationsInc

Dong Lee's Email: dong.lee@axiominnovations.com

Dong Lee's LinkedIn: @DongLee

Dong Lee's Facebook: @DongLee

Scarlett Network Website: www.scarlettnetwork.com

Scarlett Network LinkedIn: @ScarlettNetwork

Scarlett Network Instagram: @scarlettnetwork

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In this episode, Tom & Massimo explain the differences between automation and AI, artificial intelligence, and why it's important to understand the nuances to make the most of them in your business.

What was discussed: → What automation and AI are and how they work. → Generative AI and when it makes sense to use it. → And what could be the future for automation and AI.

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In this episode, we're joined by Kyle Green. Kyle is the Owner of both DLC Origin Mortgages and The Green Mortgage Team from Vancouver, BC, and has been a Top 25 Broker in Canada since 2017 (volume funded), and a Top 10 Broker in DLC. Kyle is also the Founder of Greenwealth Capital, which helps people grow their real estate portfolio, and his newest venture is developing an underwriting software, Mortgage Atlas, that would revolutionize mortgages as we know it.

In this episode we cover: → What led to the creation of a new underwriting software, Mortgage Atlas, how current underwriting does not serve the client's best interest, and how this can be a game changer for Mortgage Brokers and Agents. → Why he chose to focus on real estate investing as his niche, how niching can lead you to success, and how you can use niche tools to add value for your clients and referral partners. → How he found the best system for scaling his business, and why mistakes happen from systems, not people.

Mortgage Atlas Website: www.mortgageatlas.ca

Kyle Green's Mortgage Atlas Email: kyle@mortgageatlas.ca

Origin Mortgage Website: www.originmortgages.ca

Kyle Green's Origin Mortgage Email: kyle@originmortgages.ca

Greenwealth Capital Website: www.greenwealthcapital.ca

Kyle Green's LinkedIn: @KyleGreen

Kyle Green's Instagram: @kylegreen_14

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In this episode, I try to forecast 3 big trends that we will see in Canadian mortgage tech in 2025, and what that says about the state of the industry and where it's headed.

In this episode I cover: → How the pendulum has swung with how people think of software in the mortgage industry and is moving towards consolidation. → Brokers & Agents shifting to different types of lending and how software could follow them. → AI: Where it's been since 2023, trends that are forming, and where there are opportunities with it moving forward.

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Why do so many mortgage brokers struggle with tech adoption, while others thrive? In this episode of Mortgage Tech Talks, I sit down with

We discuss: ✅ The biggest barriers brokers face when adopting CRM and automation (00:00:59) ✅ How delegation (or "support") can transform a broker’s business (00:03:20) ✅ Why many brokers resist switching platforms—even when they know they should (00:23:32) ✅ The power of referrals in building a thriving mortgage business (00:06:38) ✅ The unexpected return on investment from sending physical mail (00:16:35) ✅ How brokers can simplify tech adoption without getting overwhelmed (00:27:31)

📌 Follow Sara Hynes & Western Brokers Services: 🌐 Website: westernbrokerservices.ca 📱 Instagram: @westernbrokerservices

🎧 Subscribe for more episodes of Mortgage Tech Talks!

In this episode of Mortgage Tech Talks, Tom sits down with Lawrence Schwartz—Co-Founder of Mortgage Automator and now back in the lending game with Golden Bell Capital.

They dive into:

• Why trade shows are massively undervalued

• The behind-the-scenes story of how Mortgage Automator was built (and sold)

• Balancing lending with tech startup life

• How great partners made all the difference

• Why Lawrence walked away from "early retirement" to get back into lending

Whether you’re a broker, lender, or aspiring fintech founder, this episode is packed with wisdom, real talk, and some hard-earned lessons from one of the industry’s best.

Connect with Lawrence: https://www.linkedin.com/in/lawrence-schwartz-13611529/ 

🎙 Hosted by Tom Hall | Powered by BluMortgage

#mortgagebrokers #mortgagetechnology #realestateinvesting #fintech #entrepreneurship #MortgageAutomator

00:00 – Why Trade Shows Are Basically Free 01:11 – Meet Lawrence Schwartz: Co-Founder of Mortgage Automator 02:37 – What Mortgage Automator Was Built For 04:11 – Funny Sales Funnel Story (Oops!) 06:58 – No Perfect Software Exists (Here’s Why That’s Okay) 07:17 – The “Secret Sauce” Behind Mortgage Automator’s Success 08:46 – Real-Time Product Feedback from Lenders 10:08 – Learning from Client Rejections 11:18 – Growing Trade Show Presence Over Time 13:16 – Why You Always Go to Trade Shows 15:28 – Early Signs That Mortgage Automator Was Taking Off 16:35 – Building a Sales Team That Could Sell Without You 18:47 – Balancing Lending and Tech in the Early Days 20:48 – COVID and the Pivot to Full-Time Software 22:07 – The Power of the Right Business Partners 25:06 – Returning to Lending After the Exit 27:08 – Realizations After “Retirement” 29:02 – Why Lawrence Didn’t Spend a Dime After Selling 31:14 – The Lending Philosophy at Golden Bell Capital 33:23 – What Types of Deals Golden Bell Does 36:40 – Why Simplicity & Speed Still Win 38:36 – The Reason They Only Lend in the GTA 39:53 – Final Thoughts: Send Us One Good Deal 40:28 – Where to Find Lawrence

In this episode, we're joined by Canadian mortgage expert Doug Adlam. Doug is one of the Founders of Finmo from Guelph, Ontario, a fintech company which disrupted the Canadian mortgage industry in 2017, and was bought by Lendesk in 2020. An entrepreneur and public speaker, Doug started as a Mortgage Agent in 2008 at Champion Mortgage, and growing by 40x, it eventually lead to a merger with Axiom Mortgage Solutions which was re-branded nationally to Indi Mortgage - The Independent Mortgage Company in 2024.

In this episode we cover: → The research he does when looking at new tech, understanding contracts with brokerages and networks, and designing your business with an exit strategy. → What led to the founding of Finmo, how they stayed true to their company values, and why it was important to disrupt the Canadian mortgage tech industry. → The next tech disruption in mortgages, open banking, and the link between tech start-ups and regulations.

Indi Mortgage Website: www.indimortgageontario.ca

Doug Adlam's LinkedIn: @DougAdlam

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In this episode, we're joined by Nathan Yeung. Nathan is the Vice President, CMO Services at Find Your Audience Marketing Partner from Vancouver, BC, a fractional marketing team for B2B SaaS businesses. Nathan leads teams of marketing managers, graphic designers, media buyers, coordinators, and freelancers to develop and implement marketing strategies for organizations across various industries. With experiences in finance, management consulting, and marketing, he's designed a marketing service that solves businesses most common marketing problems.

In this episode we cover: → Nathan's career and Find Your Audience, how to know when to switch priorities in your business, and the intersection of skill, success, and fulfilment in finding your path. → How he's using generative AI and how you should be thinking of it, how to distinguish which tech tools are useful for your business, and the Broker advantage with tech. → What Brokers should look to do with their marketing, focusing/niching down and targeted marketing, and the importance of building trust.

Find Your Audience Website: www.findyouraudience.online

Find Your Audience LinkedIn: @FindYourAudience

Nathan Yeung's LinkedIn: @NathanYeung

Nathan Yeung's Instagram: @fya.marketingbytes

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In this episode, we're joined by Geoff Willis. Geoff is the President & CEO at Newton Connectivity Systems from Vancouver, BC, who's been in the mortgage business for 35 years, with the past 10 focused on Fintech. Newton Connectivity Systems delivers flexible and innovative mortgage technology solutions to some of Canada’s most successful lenders and Mortgage Brokers, including popular products like Velocity, Discovery, and Link.

In this episode we cover: → Geoff's journey from Broker to fintech platforms, how necessity driving change, the notion of independence in the mortgage industry, and playing to your strengths. → The next big thing in mortgage tech, it's optimization, and how it will become industry standard in the next few years. → Velocity's "TSN Turning Point" in 2020, how it became an all-in-one tool, if it's a stand-alone tech company or DLC service provider, and drawing a line with your product options.

Newton's Website: www.newton.ca

Newton's Instagram: @velocity.newton

Newton's LinkedIn: @NewtonConnectivitySystems

Geoff Willis's LinkedIn: @GeoffWillis

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In this episode, we're joined by Reuven Gorsht. Reuven is CEO of Deeded from Toronto, Ontario, who's an entrepreneur with a passion for solving big, challenging problems. Deeded is a technology platform that provides a virtual real estate and mortgage closing experience, who's mission it is to make real estate transactions frictionless, affordable, and transparent. 

In this episode we cover: → The AI powered Mortgage Broker, comparing AI to the .com boom of the '90s, and the future of AI. → The cost of a closed mind, no 'red pill' solutions, and opportunities for innovation in the mortgage industry. → Focusing on solving customer problems, the tech advantage individual Brokers have over the banks, and the difference between working with individuals vs big companies.

Deeded Website: www.deeded.ca

Deeded Instagram: @deeded.ca

Reuven Gorsht's Email: reuven@deeded.ca

Reuven Gorsht's LinkedIn: @ReuvenGorsht

Reuven Gorsht's TikTok: @reuvengorsht

Reuven Gorsht's Instagram: @rgorsht

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In this episode, I am back with another "Market Update" solo show, where I go over some of the latest news in mortgage tech in Canada.

In this episode I cover: → Geoff Willis' article about the possible effects of the new Anti-Money Laundering (AML) requirements on tech, and it's impact on Agent independence. → The new mortgage rules from CMHC that will affect first time home buyers and new builds, and how you need to be prepared for continuing regulation changes to find deals. → The hiring of Jerry Lo as CIO, Chief Information Officer, at M3 Tech, signalling an increased focus on tech investment.

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In this episode, Massimo and I discuss how you can optimize your website based on the type of business you run, and how they're very important for your business and credibility.

In this episode we cover: → Websites provided to Brokers from their brokerage, rate shop website optimization, and referral based website optimization. → The cost of building a custom site, the importance of the domain, and making sure it's mobile friendly. → Ad words for Google Ads, putting interest rates and awards on your site, and what to consider if you have a chat function.

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In this episode, I do a deep dive on the different electronic signature platforms, and what my recommendation is if someone is looking to use this tool.

In this episode I cover: → Comparing and contrasting the top e-signing platforms. → How deal submission platforms are integrated and who they're integrated with. → What you need to consider when deciding on a platform to use.

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In this episode, I am back with another "Market Update" solo show, where I go over some of the latest news in mortgage tech in Canada.

In this episode I cover: → Being a part of a technology & AI panel at the recent Canadian Mortgage Summit (CMS), and how the shine of AI is coming off.   → BluRoot being on the recent Globe & Mail list of the top growing companies in Canada, and what those in the mortgage space on that list have in common. → More shake up at the executive level of top mortgage tech companies in Canada, this time at Lendesk, what I think think this means, and new stress test rules.

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In this episode, Massimo and I discuss internet phones and why you should consider using one for your business.

In this episode we cover: → How internet phones work, what to look for in an internet phone, and if you should be using one. → The importance of integration with CRM systems, call quality, and ease of use. → Pricing models of various companies, reviews of RingCentral, GoToConnect, Croo, and Zoho Voice, and the auto-dialer app Phone Burner.

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In this episode, I deep dive into 3 different deal submission platforms, Scarlett, Finmo, and Velocity, and how they stack up against each other in regards to tools for the new AML (anti-money laundering) regulations.

In this episode I cover: → What platforms are being featured and why. → 3 criteria of assessment for each platform - risk assessment, know your client, and PEP, politically exposed persons. → What more regulations mean for the industry in the long run.

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In this episode, Massimo and I discuss how browser extensions can impact your web browser experience, their practical benefits, and how they could become more essential moving forward.

In this episode we cover: → Popular browser extensions we use that could benefit Brokers including screen shots and phone diallers. → How a password managing extension can greatly enhance your security. → Will there ever be a must-have browser extension that you couldn't work without.

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In this episode, we're joined by Bekim Merdita. Bekim is the EVP and a Founding Team Member of Rocket Mortgage Canada from Windsor, Ontario, which originally launched as Edison Financial in 2020. Edison Financial rebranded to Rocket Mortgage Canada on August 8, 2022, doing business under the brand Rocket Mortgage™️ throughout the country. In 2023, Rocket Mortgage Canada also became a mortgage lender and created Rocket Pro Canada, a team dedicated to helping broker partners submit deals to the Rocket Mortgage Canada lending channel.

In this episode we cover: → Bekim's journey within Rocket Mortgage in both the US and Canada, his goal of going from a 4 to 400 person team, and the mindset needed to 100x your business. → What he's learned launching a mortgage lender and Rocket Pro, the importance of speed in mortgage approvals, and attempting to eliminate the emotional rollercoaster of home buying with client certainty. → Why Canada is behind the US in mortgage tech, why lenders aren't as flexible as brokers in their tech stack, and what's being done to address the gaps of the inefficient manual mortgage process.

Rocket Mortgage Canada Website: www.rocketmortgage.ca

Rocket Pro Canada Website: www.rocketpro.ca

Bekim Merdita's LinkedIn: @BekimMerdita

Bekim Merdita's Instagram: @bekim_merdita

Lending Thoughts Podcast: @lendingthoughts

Lending Thoughts YouTube: @LendingThoughtsPod

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In this episode, we're joined by Craig Vetter. Craig is the Owner of Vetter Consulting from Delta, BC, which has been helping Mortgage Brokers build better businesses with 1-on-1 coaching since 2014. In 2023, Craig's clients funded over $650 million, while also improving their client service, systems, and processes.

In this episode we cover: → Balancing tech with the human touch, having a service mindset, and "eating the frog" to get through difficult tasks. → Improving systems and processes through tech, and the compound effect of standardizing and optimizing. → Using data to make more money by tracking efficiency, protect your time, and to have business moving conversations.

Vetter Consulting Website: www.vetterconsulting.ca

Craig Vetter's Email: craig@vetterconsulting.ca

Craig Vetter's LinkedIn: @CraigVetter

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In this episode, I share how mortgage brokers can transform their social media presence with a powerful three-pillar strategy, breaking down the intimidating world of social media marketing into manageable, actionable steps.

In this episode I cover: → Production: Over-coming camera shyness, how to come up with content, and outsourcing content creation. → Distribution: How to consistently and effectively post to different platforms and leveraging tools. → Conversion: How to find your audience, leveraging niche content, and utilizing stories and DMs.

***

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In this episode, Massimo and I discuss quick wins you can implement into your business to be able to take a proper vacation and not have to be attached to your phone.

In this episode we cover: → Setting expectations for referral partners, clients, and co-workers for while you are away.  → Email inbox management and the bigger push from brokerages to make deal dests. → Tricks for iPhones, keeping your bottleneck from halting your business, and having your pipeline stay full while on vacation.

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In this episode, we're joined by Maryah Diulia. Maryah is a Sales and Marketing Lead at BluMortgage from Toronto, Ontario, who's done a little bit of everything at BluMortgage in her 2.5 years at the company.

In this episode we cover: → The new trend of social media sites as search engines and the benefits of narrowing down to a niche. → Improving your organic reach with Instagram's collaboration feature, and what to post for reels versus stories. → The newest feature being pushed on all social platforms, going "live", and tips to get started.

Maryah Diulia's Linkedin: @MaryahDiulia

Maryah Diulia's Instagram: @maryahfromblu/@maryahdiulia

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In this episode, I am back with another "Market Update" solo show, where I go over some of the latest news in mortgage tech in Canada.

In this episode I cover: → MCAP & RMG Mortgage being direct document transfer in Velocity and why more companies are doing this. → Finmo adding more integrations and what you can try out today. → How challenging market conditions can create new innovations, which is highlighted with OwnWell and BrokerBot creating new ways to engage with clients.

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In this episode, we're joined by Adrian Schulz. Adrian is the EVP of Centum Financial Group from Winnipeg, Manitoba, and is also the President of Imperial Properties Corp. Adrian has nearly 20 years of real estate industry experience with a focus on property management, finance and technology. He is an Associate of the Canadian Condominium Institute and serves as a Director with MREA Services. He is also a member of the International Real Estate Federation (FIABCI) and the Institute of Corporate Directors.

In this episode we cover: → Adrian's journey into the mortgage industry and how he's worked up the ranks, where he's going in the future with tech, and what he thinks of AI. → Solving big problems with inexpensive tools, the process vs the system and the million dollar machine, and giving clients a holistic financial approach. → How Mortgage Monitor is different than other free tech tools, where Mortgage Monitor fits in a tech stack, and cutting through the noise of too many tools and what borrowers actually want.

CENTUM Financial Group Website: www.joincentum.ca

Adrian Schulz's LinkedIn: @AdrianSchulz

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