In this special 100th episode—and final episode of the year—I’m breaking down the best-performing Mortgage Tech Talks content of 2025 across podcasts, YouTube, Shorts, and Instagram.

Instead of just replaying clips, this episode looks at what actually worked, why it worked, and what it says about where mortgage tech and AI are heading. We dig into the biggest themes from the year: AI as a tool (not a shortcut), platform-specific content performance, tech adoption, and the irreplaceable role of human trust.

If you’re a mortgage broker, fintech professional, or just interested in how technology is reshaping the industry, this episode ties it all together.

Thanks for being part of the journey to 100 episodes.

00:00 – Episode 100 milestone + why this is a “Best Of” recap 02:00 – Top podcast episode of the year: using ChatGPT as a thought partner 05:45 – Best-performing YouTube video & lessons from the Mortgage Conference 09:50 – Why short-form content performed best (Instagram & Reels) 12:15 – AI broker assistants, where they help—and where humans still win

• Token usage has grown 14x in the past year
• Programming went from 11% to 50% of all ChatGPT/Gemini usage in just 6 months
• Anthropic controls 30% of the entire AI market through programming dominance
• Google, OpenAI, and other competitors are playing catch-up

• 0:00 - Opening statement
• 0:28 - Introduction
• 1:38 - The problem: What's driving AI growth?
• 1:55 - How AI companies make money (subscriptions vs. API)
• 2:46 - Understanding tokens and APIs
• 4:19 - Shocking token usage data (500B → 7T)
• 5:29 - Analyzing prompt vs. completion growth
• 7:31 - Which use cases are driving growth?
• 8:32 - Programming reveals itself as the leader
• 11:38 - 50% of AI usage is programming
• 12:10 - Anthropic's surprising market dominance
• 13:35 - Market share breakdown
• 14:18 - The strategic choice for AI CEOs
• 15:00 - Implications for the next 2-3 years
• 16:11 - Bold predictions
• 17:30 - Closing

In this episode of Mortgage Tech Talks, we break down a 4-step scenario that has already played out in other financial industries… and could reshape the mortgage landscape in the next 5–10 years if we’re not careful.

This isn’t fear-mongering. It’s a realistic look at how technology adoption, lender expectations, and regulator pressure could quietly divide the industry into two branches — one that thrives, and one that slowly gets left behind.

You’ll hear:

The two “branches” brokers will fall into as AI becomes standard

Why trust at scale could create a massive performance gap

How lenders and regulators might tighten requirements

What happened in the home & auto insurance industry (and why it matters now)

The one thing brokers can control to prevent the mortgage channel from losing innovation

If you care about the long-term health of this industry — and your place in it — this is a conversation you should hear.

Timestamps

00:00 – Why the future of the broker channel may split into two branches 01:14 – The real risk facing the industry (it’s not job loss) 02:03 – Step 1: The new technology wave begins 03:27 – Step 2: Tech adopters vs. non-adopters 08:48 – Step 3: How lenders & regulators might elevate one branch 13:18 – Step 4: What happens if non-adopters fall behind 17:36 – The insurance industry example — and the warning it gives us 19:00 – The silver lining and how brokers can protect innovation

In this episode of Mortgage Tech Talks, we break down whether brokers should consider switching to alternatives like Google Gemini 3, Grok 4.1, and Claude, all of which are now ranked above ChatGPT in real user preference tests.

We cover what’s changed, why these new models matter, how the AI landscape is shifting, and what this means for your daily workflow as a mortgage professional.

If you want to stay ahead of the curve and get the most out of AI in your business, this episode is worth your time.

00:00 – Why brokers are questioning ChatGPT’s dominance 01:26 – The major AI competitors you should know 03:43 – How new models like Gemini and Grok are performing 08:21 – The shocking ranking: ChatGPT drops to fourth 14:48 – Lessons from past tech giants and what it means for AI today

From the Neighborhood x Fisgard deal, to NSO acquiring CMS, to Alta West merging with Premier — the pattern is undeniable. And if you're a broker choosing lender partners or a lender trying to stay competitive, understanding this shift is critical.

What you’ll learn

• The real advantage for brokers who use AI vs those stuck in manual review

• How Purelend structures down payment checks, stated income analysis, and doc organisation for lenders and brokers

• Where full automation fails and why a copilot model makes more sense

• Accuracy, hallucinations, and how to combine human review with AI to raise overall quality

• Practical privacy and workflow considerations when rolling AI into your shop

Chapters 00:00 AI will not replace you. People using AI will 00:26 Set up for the episode 00:40 Intro and guest welcome 01:01 What Purelend does for brokers and lenders 02:24 Lucas’ background, NEO Financial, and the path to Purelend 03:10 The 60,000 km motorcycle detour and lessons 04:10 Building applied AI before ChatGPT 05:13 Pre-2020 AI adoption vs the post-ChatGPT shift 06:19 Focusing on outcomes over buzzwords 07:33 Media hype, fear, and what actually matters to a brokerage 08:28 Useful analogies for explaining AI to clients 09:03 Common fears brokers raise 10:11 Two brokers, two results. Why leverage wins 11:26 Excel analogy and why AI is the new table stakes 12:07 Privacy, data, and realistic risk 12:46 Will AI do prospecting and client calls 13:39 Why trust and emotion keep humans in the loop 15:14 Where automation helps and where it breaks 16:20 Purelend elevator pitch 16:46 Duplicate effort across brokers and lenders 17:46 Speed, cost basis, and winning deals 18:10 Why this only became feasible recently 19:18 Feature set: down payment, usable income, organising docs 20:02 Stated income launch and common gotchas 21:06 Borrower alerts without adding friction 21:39 Full auto vs copilot. Drawing the line 24:12 Specific knowledge that AI cannot replace 25:38 Borrower portal vision and UX tradeoffs 30:44 Accuracy, hallucinations, and safeguards 32:27 Probabilistic vs deterministic and hitting 92 to 96 percent 35:04 Benchmarking against human accuracy 38:50 Supervisors, different error patterns, and combined accuracy 40:38 Where to learn more 40:55 Close

In this week’s Mortgage Tech Talks, I share my full recap of the National Mortgage Conference — what I saw, what I learned, and why so many brokers are still chasing shortcuts instead of building real systems that last.

I also unpack the biggest question I kept hearing: “What’s the one AI tool I should be using?” The truth? There isn’t one. But there are ways to use AI that actually move the needle — and I walk through a few real examples of that in action.

You’ll also hear my thoughts on privacy, security, and how tech is making a real comeback in the mortgage space right now.

If you’re a mortgage broker who’s tired of surface-level “AI hacks” and wants to understand what’s actually working in our industry — this one’s for you.

Timestamps: 00:00 – There’s no magic button for AI 00:23 – Welcome back to Mortgage Tech Talks 00:39 – National Mortgage Conference recap 01:04 – Why this topic matters now 01:15 – Key takeaways from the event 02:24 – PSA: There’s no silver bullet 03:09 – The myth of the “Use AI” button 05:07 – Why brokers still want the easy answer 06:00 – Trust as a broker’s real edge 06:34 – How to choose the right AI tools 07:09 – The “one tool” question 07:27 – Real examples: AI note-takers and OCR 09:27 – The danger of “magic button lite” talks 10:09 – Why most brokers fall into the same loop 11:18 – A call to focus on solving real business problems 11:53 – Revisiting privacy and security concerns 13:19 – Regulation, risk, and gray areas 14:32 – Tech perception vs. regulatory precedent 15:10 – Mortgage tech is making a comeback 15:28 – Shoutout: Penalty Mentor 15:43 – Shoutout: Ownwell 15:58 – Shoutout: BrokerBot 16:48 – Shoutout: PureLend 17:19 – Final thoughts and outro

Tom covers three major highlights — from economic forecasts by CIBC’s Benjamin Tal, to Doug Adams’ new book on scaling your brokerage, to his own deep dive into the real state of AI in the mortgage industry.

Whether you’re attending the conference or following from afar, this episode gives you a quick, insightful preview of the ideas shaping the future of mortgages, technology, and business in Canada.

00:00 – If AI is already here, why does my job feel exactly the same? 00:53 – Welcome to Mortgage Tech Talks 01:37 – Overview: What to expect at the National Mortgage Conference 02:14 – Highlight #1: Benjamin Tal, CIBC Chief Economist 03:12 – Canada’s weak economy and rate predictions 04:18 – Inflation insights: Why slowing inflation doesn’t mean lower prices 05:02 – The shift toward rental demand and what it means for brokers 06:15 – The rise of commercial financing and industry implications 07:11 – Highlight #2: Doug Adams’ session on The Business of Brokering 08:06 – How systems and CRMs are shaping modern brokerages 09:08 – Highlight #3: Tom Hall’s keynote — If AI is Already Here, Why Does My Job Feel Exactly the Same? 10:58 – Why most AI presentations miss the point 11:43 – How technological revolutions actually unfold 12:20 – What AI really means for mortgage professionals 12:45 – Closing thoughts and conference invite

👉 Subscribe for weekly conversations on mortgage technology, automation, and the future of the Canadian mortgage industry. 🎙️ Host: Tom Hall 📍 Presented by: BluMortgage

#MortgageTechTalks #MortgageBrokers #AIMortgage #CanadianMortgages #MortgageTechnology #BluMortgage #MortgageConference #RealEstateCanada #Fintech #MortgageAutomation

You’ll also hear about Rob Macalister’s take on “vibe coding” and why AI may soon make developing your own tools as common as using email. If you’ve ever wondered whether AI will replace jobs or actually create more opportunities, this episode gives you a clear look at both the risks and the upside.

Timestamps 00:00 – Why mortgage brokers need to develop new skills 00:40 – Introduction and overview of the McKinsey AI report 01:26 – Who McKinsey is and why their data matters 02:36 – Breaking down the first chart: AI use in financial services 05:11 – What brokers actually do (sales, service, legal, marketing, IT) 07:06 – How to start using AI in day-to-day broker activities 08:38 – Report data: hiring challenges in AI-related roles 11:17 – Why this matters for mortgage brokers (Rob Macalister’s article) 13:52 – How AI unlocks opportunities for brokers to build tech 15:35 – The job loss question: what the survey really shows 18:28 – Which roles and functions will actually grow with AI 20:27 – Where brokers should focus to futureproof their careers 21:17 – Final thoughts and call to action

Listen if you’re a mortgage broker who wants to:

• Understand how AI is reshaping the industry

• Learn which skills will be critical in the next 3 years

• See how to apply big-picture trends directly to your business

👉 Don’t forget to like, comment, and subscribe for more insights on mortgage technology and the future of the industry.

#MortgageBroker #AI #MortgageTech #RealEstate #FutureOfWork

In this episode of Mortgage Tech Talks, we dive into a futuristic—but very real—idea: AI clones. Imagine a digital version of you that clients can interact with online, ask questions, and even hear your voice respond back.

We’ll cover what AI clones are, how they work, and how mortgage brokers and financial advisors can use them today for lead generation, nurturing, and building client trust. This isn’t sci-fi. People in the Canadian financial space are already using this technology.

00:00 – Intro: What’s an AI clone? 00:23 – Why mortgage brokers should care 01:04 – How the idea came about 01:22 – What an AI clone actually is 01:58 – Example: Delphi AI and how it works 03:11 – Real-world example with Balaji (ex-CTO of Coinbase) 04:12 – How suggested questions work for clients 05:11 – Exploring blockchain Q&A with an AI clone 06:20 – Voice cloning: live phone calls with AI 07:22 – Using an AI clone for lead generation 08:29 – Training your AI clone with content 08:48 – Business applications for mortgage brokers 09:57 – AI clones as nurturing tools 11:04 – Privacy, compliance, and risk considerations 12:27 – Who’s already using this in Canada 13:45 – Addressing the “Will AI replace me?” question 15:24 – Where human expertise always wins 16:13 – The legacy and future of AI clones 16:38 – Final thoughts and wrap-up

👉 If you’re a mortgage broker, financial advisor, or just curious about how AI is reshaping client relationships, this episode is packed with insights you can’t ignore.

🎧 Listen to Mortgage Tech Talks on YouTube or wherever you get your podcasts.

Instead of giving the usual surface-level answer, I take a contrarian approach and unpack why many of the fears around AI privacy are more about perception than legal reality. From comparing ChatGPT to Gmail, to breaking down Canadian compliance laws, this 15-minute rant is all about challenging the myths that keep brokers from adopting powerful technology.

Whether you agree or disagree, this episode will push your thinking and hopefully unlock new opportunities for how you use tech in your business.

Timestamps 00:00 – Privacy concerns as a crutch for avoiding tech adoption 00:37 – Why this rant started: the Canadian Mortgage Summit panel 02:13 – The big audience question: “Should I be concerned about privacy?” 03:37 – Compliance realities in a regulated industry 05:06 – What I would have answered differently 06:00 – Comparing ChatGPT risk vs Gmail risk 08:03 – Separating legal compliance vs industry comfort 10:08 – Why practical risk feels higher with AI tools 11:27 – Do Canadian laws really require data to stay in Canada? 13:00 – The myth of “data must stay in Canada” explained 14:18 – AI as just another tool: it’s how you use it 15:29 – My closing thoughts: stop using privacy concerns as an excuse

👉 If you found this useful, subscribe to Mortgage Tech Talks for more unfiltered conversations on mortgage technology, compliance, and growth.

If you’re a broker curious about how tech could change your business—or an entrepreneur looking to build something new in this space—you’ll want to tune in.

⏱️ Timestamps

00:00 – The ROI of tech for Canadian brokers 00:33 – Welcome and episode intro 01:19 – Startup #1: Mercado (mortgage investing platform) 03:42 – Industry leaders branching into new ventures 04:25 – Startup #2: Homie (app for homebuyers and brokerages) 06:36 – Features breakdown: buying power, down payment planning, rate alerts, and more 08:41 – Homie as a brokerage lead qualification tool 10:30 – Startup #3: PureLend (document management & compliance automation) 12:33 – Key features: doc organization, fraud detection, borrower portals 14:10 – Broker-focused pricing model and adoption challenges 16:45 – Partnering with deal submission platforms: the growth unlock? 18:58 – Final thoughts: why mortgage tech momentum is exciting right now

👉 If you enjoyed this episode, don’t forget to subscribe and hit the notification bell for more insights on mortgage tech, innovation, and the future of brokering.

How natural was the conversation? What can mortgage brokers actually use this technology for today? And what are the risks and future implications as AI-powered calls become more common?

Tune in to hear the full call, my breakdown, and the opportunities—and challenges—AI phone calls present for the mortgage industry.

Timestamps: 00:00 – Intro: Setting up the AI phone call 01:05 – Why this experiment matters for mortgage brokers 01:25 – Building the AI assistant (tools + setup) 02:48 – How the AI call works (voice & prompt setup) 03:45 – The call script and goals explained 05:29 – Live AI phone call demo 07:16 – Immediate takeaways from the conversation 08:18 – What AI can do well (and what it can’t) 09:21 – The importance of “specific knowledge” in brokering 11:07 – Efficiency gains for brokers using AI assistants 12:03 – Potential downsides: will calls get commoditized? 13:31 – The future of communication (calls, texts, proof of humanity) 17:12 – Blockchain, identity, and trust in calls 18:29 – Social networks as the new trust system 19:37 – Final thoughts + what’s next for brokers

If you’re a mortgage broker, lender, or financial professional looking to understand how AI will impact your business, this episode is for you.

👉 Don’t forget to like, subscribe, and comment below with your thoughts on AI-powered calls. Do you see this as the future—or a problem waiting to happen?

Instead, we explore how brokers are actually using tools like ChatGPT, Fathom, and voice AI dialers, and why the future of AI in the mortgage industry might be less about new standalone apps and more about embedding AI capabilities into existing platforms like Velocity and BluMortgage.

If you’ve ever wondered “What AI tools should I actually be paying attention to as a mortgage broker?”—this is the episode for you.

0:00 – Why AI still needs context (it’s not end-to-end, it’s “middle-to-middle”) 0:17 – How mortgage brokers actually fit into AI workflows 0:33 – Why standalone “Mortgage AI” apps don’t make sense 0:54 – Introduction to today’s episode 1:20 – Looking for AI tools built specifically for mortgage brokers 2:04 – The search: are there broker-only AI tools? 3:00 – Google search results and first impressions 4:07 – Testing ChatGPT for broker-specific AI recommendations 5:22 – Four main categories of AI tools brokers are using 6:01 – ChatGPT as a thought partner, not just a search engine 6:36 – Note-taking AI tools like Fathom, Fireflies, and Otter 7:15 – AI dialers and voice tools (Voiceflow, Blend) 7:52 – OCR/document reading tools for income and docs 8:18 – Why none of these tools are truly “broker-only” 9:00 – Why ChatGPT is good enough to replace niche tools 11:06 – How ChatGPT might eat up other use cases 12:25 – Why AI growth may be slowing down (deceleration vs acceleration) 14:10 – The limits of AI: still needs context and human oversight 15:20 – The future: AI embedded in existing broker tools 16:21 – Final conclusions and takeaways

👉 If you found this discussion valuable, don’t forget to like, subscribe, and drop a comment with your thoughts on AI in the mortgage space. Do you think we’ll see broker-specific AI tools, or will ChatGPT and existing platforms be enough?

Whether you’re a broker, lender, or real estate pro, you’ll walk away with insights on market dynamics, influencer strategy, and the forces shaping Canada’s largest financial players.

Timestamps: 00:00 – Shopify as Canada’s biggest non-quasi government company 01:16 – Why we go deeper than the headlines in industry updates 02:03 – Ron Butler named #1 mortgage & real estate voice in Canada 03:28 – How influencer rankings work (and why they matter) 05:24 – Discovering the top mortgage influencers in Canada 06:20 – The “feast or famine” reality of mortgage social media success 08:07 – Keys to building an influential presence: education & authenticity 09:34 – Leadership move: Bucky Mendieta joins Quest Mortgage 11:13 – The rise and pause of Quest Mortgage’s operations 13:30 – Why Quest’s “pause” might be a strategic reset 14:27 – First National’s $2.9B acquisition by Brookfield & Birch Hill 16:17 – How government policy shifts impact private mortgage lenders 17:06 – Is Canada’s business environment a cartel? 18:52 – Shopify CEO on breaking through Canada’s corporate mold 20:15 – Final thoughts & key takeaways

If you found this valuable, please share it with your colleagues and peers in the industry. It helps us grow the Mortgage Tech Talks community and continue delivering relevant, no-fluff insights.

#MortgageIndustry #CanadianRealEstate #MortgageBroker #RealEstateCanada #IndustryUpdate

You’ll see a live demo where Agent Mode goes beyond just answering questions — it literally opens a virtual desktop, clicks through RBC’s affordability calculator, uses Ratehub, researches home prices, and even starts booking appointments with mortgage brokers and real estate agents… all on its own.

We’ll break down:

• What Agent Mode actually is

• How it works (live example)

• The opportunities and risks for mortgage brokers

• Why human trust will always be irreplaceable

• How to position yourself so AI chooses you in the future

Whether you’re tech-curious or already deep in AI tools, this is a must-watch to see where the industry is headed.

Timestamps: 00:00 – Live demo: ChatGPT Agent Mode opening a virtual desktop 00:17 – Navigating RBC’s affordability calculator 00:33 – Using Ratehub to compare mortgage options 00:49 – Episode intro & what to expect 01:08 – Explaining Agent Mode & “AI agents” 01:26 – Simulating a first-time homebuyer scenario 02:14 – How Agent Mode bridges research and action 03:03 – Example mortgage financing prompt setup 03:20 – Asking AI to find homes & book appointments 04:02 – How to enable Agent Mode in ChatGPT 05:13 – Inputting financial details for a real example 05:55 – Watching Agent Mode research in real time 07:12 – Why this tech has the industry buzzing 08:11 – Potential for AI-to-AI interaction 08:51 – AI booking appointments with mortgage brokers & agents 09:18 – Official ChatGPT breakdown of Agent Mode features 10:17 – Future use cases & possibilities 10:52 – AI filling out contact forms automatically 12:12 – Affordability results & neighborhood suggestions 13:04 – AI presenting real appointment slots from broker websites 14:06 – Why human trust still matters in mortgage decisions 15:38 – How client acquisition will change in the AI era 17:21 – Final thoughts on adapting to AI-driven search

We revisit past stories, assess how they’ve played out, and challenge some of the industry’s assumptions around whether building great tech is really enough to win in today’s market.

📌 Key Themes Covered:

• Is "great tech" enough for brokerages?

• M3’s broker-first claims – marketing or mission?

• Pineapple’s stock surge – real growth or financial maneuvering?

• Pine’s Properly tool vs. HouseSigma – feature-by-feature breakdown

• Strategic bets: should platforms serve brokers, broker-owners, or borrowers?

⏱ Timestamps 00:00 – The problem with relying only on great technology 00:43 – Welcome to this week’s industry update 01:20 – Why every story today is a follow-up with new data 01:56 – M3 Tech's broker-first narrative under the microscope 04:30 – Who are tech companies really building for? Brokers, borrowers, or broker-owners? 06:06 – Is M3 Tech’s adoption data telling the full story? 07:20 – Pineapple Financial surges 180%… but why? 09:32 – The real reason behind Pineapple’s stock rebound 10:43 – Great tech, weak results? A deeper look at Pineapple One 12:06 – DLC vs. Pineapple: Same market, different outcomes 13:19 – Did Pineapple build backwards? 14:36 – Why tech can’t be the foundation of a brokerage 15:03 – Pine’s borrower-first strategy and $1B in managed mortgages 16:24 – Pine’s path in a collapsing digital mortgage space 17:07 – Pine vs. HouseSigma: Which real estate tool is stronger? 20:24 – Why Pine chose to focus on fewer features 21:01 – Lessons in product design and platform adoption 22:07 – Final thoughts – what this all means going forward

📣 If you’re in mortgage tech, you need to watch this. Don’t forget to like, comment, and subscribe so you never miss an update.

#mortgagetech #brokeragegrowth #canadianmortgage #fintechnews #mortgagebroker

We break down:

• Why being a visionary isn’t enough anymore

• The difference between a VA and a true integrator

• What brokers actually need to scale

• How to adopt tech (without getting lost in the noise)

• Why FOMO is hurting entrepreneurs more than helping

Whether you're a solo mortgage broker or leading a growing team, this episode will help you understand when it’s time to stop doing everything yourself — and how to bring on the right kind of help to grow without burnout.

👇 Skip to the parts that matter most:

Timestamps:

00:00 – Why Visionaries Need Integrators 01:00 – Meet Tyler Cameron of wrksourcing 02:00 – Tyler’s Entrepreneurial Journey 04:00 – From Ad Agencies to Startups 06:00 – Growing Up in a Family Business 09:00 – What wrksourcing Really Does 12:00 – Why “Virtual Assistant” Isn’t the Right Term 15:00 – The Real Problem Founders Need Solved 17:00 – What Makes a Great Entrepreneurial Client 20:00 – Visionaries vs. Executors: EOS Explained 23:00 – Why Process Comes First, Then People 26:00 – Choosing the Right Tech Stack 29:00 – Shiny Object Syndrome in Business 30:00 – Clarity Beats More Tools 33:00 – What AI Changed & Didn’t Change 36:00 – Staying Curious Without Overwhelm 38:00 – Networking, Masterminds & Real Connections 40:00 – How to Connect with Tyler and wrksourcing

📌 Like this episode? Subscribe, leave a review, and share it with a fellow entrepreneur or mortgage professional. Word of mouth is everything.

📞 Connect with Tyler: Website: https://www.wrksourcing.com

In this solo episode of Mortgage Tech Talks, Tom Hall gets tactical on how mortgage brokers can use the slower summer months to reset, refocus, and retool. From confidently taking time off to building systems, cleaning up your business backend, and diving deep into AI (instead of chasing every new tool), this is the episode you didn’t know you needed.

If you’re feeling the pressure to “keep up” with AI or wondering how to finally take a guilt-free vacation, listen up.

👇 FULL EPISODE TIMESTAMPS BELOW:

⏱️ TIMESTAMPS 00:00 – Why "going deep, not wide" with AI matters 00:36 – Tom kicks off the solo summer episode 01:13 – How to use summer intentionally as a mortgage broker 02:03 – The first thing: Take time off (and actually take it off) 04:00 – The power of a confident handoff when you're away 05:06 – Why process comes before tech 06:20 – Build your workflow BEFORE choosing tools or hiring 07:13 – Real tech automation examples to save time 08:39 – Task: Clean up your business (3 easy wins) 10:04 – Why brokers must own their own domains and emails 11:19 – Organizing client lists and files for long-term efficiency 12:15 – Build one habit that sticks (and it’s NOT using AI) 13:09 – The importance of self-contained habits 14:19 – Let’s talk AI: go deep, not wide 15:00 – Why most new AI tools might not be worth your time 16:50 – The difference between using Google and using ChatGPT 18:16 – Two deep resources to better understand how AI really works 20:06 – Final thoughts: reduce anxiety by understanding the unknown 21:19 – Recap: 3 things to do this summer as a mortgage broker

Most people are still using AI the way they used Google — and that’s a huge mistake. I’ll show you how to get way better results by treating ChatGPT like a business partner, not just a search engine.

You’ll learn:

• How to generate new business in a tough market using AI

• The single most effective way to write ChatGPT prompts

• How to use different GPT models depending on your goals

• 5 time-saving ways to automate your workflow as a mortgage broker

• And how ChatGPT can help you structure complex deals like a pro

If you’re in the mortgage industry and want to save time, close more deals, and finally get value out of these tools — this episode is for you.

📍 Timestamps:

00:00 – Intro: Why this is the most tactical episode yet 00:20 – Prompt 1: How to get new business fast using ChatGPT 02:00 – What makes a great AI prompt (tone, constraints, specificity) 06:00 – ChatGPT’s 6 strategies for mortgage brokers in a tough market 08:40 – Prompt 2: How to plan for long-term success using the GPT-4 "thinking model" 10:15 – What model you should actually be using in ChatGPT (and why it matters) 12:00 – Prompt 3: AI prompts to save hours in your mortgage workflow 14:00 – Deal structure brainstorm: ChatGPT as your second brain 16:00 – Why the same prompt can get you completely different (but valuable) results 17:00 – Final takeaways from the long-term planning prompt 18:00 – Niches to explore: Renewals, debt consolidation, equity release 19:00 – Recommended tools + skills to level up as a broker 21:00 – BONUS Prompt: Let ChatGPT help you structure a deal in real time 21:45 – Final recap + why the time to start using AI is right now

If this gave you some ideas, let me know in the comments — or just try one of the prompts I shared and see what happens.

Let’s stop talking about AI in theory… and actually start using it to grow our businesses.

– Tom

#MortgageBroker #MortgageTech #ChatGPT #AIforBusiness #GPT4 #MortgageMarketing #RealEstateTech

Rich shares:

• His origin story launching Nexxa, the first web-based CRM for brokers

• The mindset and grind that helped scale to 7,000+ users

• How DLCG and Velocity are future-proofing the mortgage industry

• Why emotional intelligence is just as important as AI

• And how consumer expectations are forcing innovation faster than ever

Whether you're a broker, lender, tech founder, or industry leader—this episode will challenge how you think about change, innovation, and what it really takes to stay relevant.

📍 Timestamps 00:00 – The future belongs to brokers who text 00:20 – The power of DLCG’s network and tech adoption 01:00 – Meet today’s guest: Rich Spence 02:00 – The untold origin story of Nexxa CRM 05:00 – How they scaled to 7,000 mortgage brokers 08:30 – Building software by hand—then hitting the phones 10:00 – What brokers can learn from DLCG's growth 14:00 – The evolution of Velocity and its rapid release cycle 18:00 – Why persistence and iteration drive tech success 21:00 – AI, cold calls, and the irreplaceable human touch 25:00 – How brokers need to adapt to Gen Z and tech trends 29:00 – What your clients expect (and how DLCG is building it) 34:00 – Why the right partnerships matter in 2025 and beyond

🔗 Connect with Rich Spence Instagram: @richspence3

LinkedIn: @richspence3

✅ If you enjoyed this episode, subscribe for more insights from top minds in mortgage and financial tech. 💬 Leave a comment sharing your favourite insight or takeaway.

#MortgageTech #DLCG #RichSpence #VelocityCRM #MortgageBroker #AIInMortgages #BrokerInnovation #CRM #MortgageIndustry #TechForBrokers

Karen shares her journey from running a successful fitness business to becoming a leader in the mortgage world, drawing powerful lessons about relationship-building, creating accountability structures, and optimizing your business for long-term growth.

If you’re a broker looking to strengthen your client relationships, scale your business, and implement more effective systems — this conversation is packed with practical insights.

👉 Follow Karen on Instagram: https://www.instagram.com/brokercomplete/

Timestamps:

00:00 – Why trust is the most valuable currency in today’s mortgage industry 01:11 – Welcome and intro: Who is Karen Wilson? 02:45 – Karen’s background in the fitness industry and transferable skills 05:19 – Rebranding from fitness to finance: The learning curve 08:06 – How accountability groups helped Karen scale her mortgage business 09:13 – Building an accountability call that delivers real industry value 11:30 – The "give, give, give, ask" principle for long-term relationship-building 14:36 – Why trust-building matters more than rates or speed 15:29 – Leveraging tech to scale personal connections 16:40 – Types of social media content that actually build trust 19:14 – Human, imperfect content vs polished posts 20:14 – Coaching agents to recognise when to seek help and training 22:00 – Mapping your client process from lead gen to post-close 25:28 – Customising your mortgage process to match your strengths 27:44 – Process first — then pick the right tech or team 29:18 – The wrong way to implement new tools — and how to avoid it 32:14 – Why free services often have low follow-through — and how accountability changes that 34:12 – Building a brokerage culture of high standards and high expectations 35:18 – The value of surrounding yourself with high achievers 37:05 – Recognising opportunities and relationships that move your business forward 39:22 – How to connect with Karen and learn more about Broker Complete and DLC Elite Team

I’m walking you through how I’d think about: → Building a simple, addictive product → Structuring a freemium model → Leveraging referrals over paid ads → Using AI (the right way) → And why simplicity always wins

Whether you’re in mortgage tech or any kind of SaaS, this episode will give you a fresh framework to think about how to build and scale your next product.

👇 Full timestamps below — enjoy the episode and leave a comment if you’d take a different approach!

Timestamps: 00:00 — Why AI should not be forced into your product 01:00 — If I launched a new mortgage tech company today 02:10 — The 3 key lessons from building BluMortgage 04:00 — What should your product actually offer? 06:00 — How to make your product simple and addictive 09:00 — Why onboarding should feel as seamless as Facebook or TikTok 11:00 — How to improve your product without feature bloat 12:30 — Why simplicity is harder than complexity 14:00 — How I’d market the product (freemium + referrals) 15:45 — How to drive viral referrals inside your app 16:50 — Why trade shows and in-person events still matter 17:45 — The right way to use AI inside your company 19:20 — Final thoughts + a challenge for you

👍 If you enjoyed this episode, hit Subscribe for more weekly insights from the world of mortgage tech and SaaS.

#MortgageTech #SaaSBusiness #FinTech #BluMortgage #AIInBusiness

We cover:

• Why top lenders are cutting ties with major tech platforms

• Real examples of platform incentives (like free trips) and their long-term strategy

• A powerful update from Ben Salami (Canadian Mortgage App) and why his coding approach is a game-changer

• The potential of AI tools like ChatGPT to empower non-coders to build game-changing tools

If you're a mortgage professional, lender, tech builder, or just love staying ahead of the curve in this space—this one’s for you.

👇 Timestamps 00:00 – Can ChatGPT turn mortgage pros into coders? 00:44 – Welcome to the episode + key themes 04:25 – Platform economics: Why lenders are switching highways 05:34 – Exclusive partnerships: Not new, but more aggressive 06:12 – Could this fracture the marketplace model? 07:27 – Will brokers be forced into multiple portals? 08:04 – Industry-wide implications: are platforms losing value? 08:37 – M3 VIP trip strategy breakdown 09:26 – Platform incentives: the “free dry cleaning” analogy 10:47 – Boss, Uber, and network effects 12:01 – More users = more leverage with lenders 13:04 – Ben Salami’s new CMA feature release 13:58 – Scenario planning tools for mortgage brokers 14:40 – Comparing fixed vs. variable + lender options 15:34 – Why Ben's speed in building is his superpower 16:46 – Iteration cycles: 1 week vs 10 minutes 17:25 – How AI might democratize fast iterations 18:26 – Final thoughts + call to share

🔔 Don’t forget to like, comment, and subscribe for more weekly insights on mortgage tech, tools, and trends.

#mortgagetechnology #mortgagebroker #canadianmortgage #mortgageplatforms

In this episode of Mortgage Tech Talks, Tom breaks down a powerful video from Ron Butler that’s making waves across the mortgage industry. From ownership of your domain and CRM to warning signs your brokerage might be in financial trouble, this episode is a wake-up call for brokers in Canada.

Timestamps:

00:00 – Why every broker must own their domain, inbox, and CRM 01:21 – Welcome to Mortgage Tech Talks 01:42 – Ron Butler’s video breakdown: What happens if your brokerage collapses? 03:08 – The danger of relying on your brokerage for commission payments 05:23 – Signs your brokerage might be in financial trouble 06:07 – How to protect your business before it’s too late 06:43 – The tech barriers that keep brokers stuck 07:01 – 3 things your brokerage might control that you need to own 08:00 – Step-by-step: how to get your tech stack independent 10:02 – Mortgage payment surge projections 11:53 – Why inflation rising again could be a disaster 13:21 – Who are mortgage tech platforms really built for? 14:03 – The 4 audiences mortgage tech must serve 15:23 – The trade-offs platforms make to keep lenders happy 15:42 – Shoutout to Scarlett Jo Factory: Canadian Mortgage Award wins 16:19 – BluMortgage wins at the Mortgage Awards of Excellence 17:02 – What this award means for the BluMortgage team 17:39 – Final thoughts and viewer call-to-action 28:34 – BONUS: Recap of the tech ownership framework for brokers

Whether you’re a new broker or a seasoned pro, this episode gives you practical advice to bulletproof your business—and insights on how the industry is evolving in real time.

#mortgagebroker #mortgagetech #canadianmortgages #realestatecanada #mortgageadvice

Let me know if you'd like a shorter version for Spotify or LinkedIn as well.

You’ll learn how tools like Fathom, Fireflies, and Otter are transforming how brokers run client meetings, track follow-ups, and stay compliant — all while saving time and improving client service. Tom breaks down the exact features that make these tools game-changers, how to integrate them with your CRM for max efficiency, and which platform fits your workflow best.

If you're a mortgage broker, financial advisor, or service-based professional running multiple meetings per week — this tech is a no-brainer.

🔧 Want to automate your notes, track commitments, and improve compliance? Start here.

📍 TIMESTAMPS

00:00 – Why handwritten notes still matter — and how AI note-takers complement them 01:11 – What are AI meeting bots and how do they work? 02:00 – How AI agents join your Zoom, Google Meet, or Teams calls 03:20 – Full transcript + meeting summary explained 04:45 – Custom summaries using frameworks like BANT 06:45 – Creating post-call checklists from AI takeaways 08:10 – How AI bots assist with training and coaching new team members 09:30 – Turning meeting snippets into internal learning playlists 11:00 – Using AI transcripts inside your CRM for deeper client tracking 12:10 – Unlocking call analytics and sales insights 13:10 – Automating tasks from AI takeaways directly into your workflow 14:00 – Compliance benefits of full transcripts 15:14 – Tool breakdown: Fathom vs. Fireflies vs. Otter 17:00 – When to use each tool (Zoom meetings, mobile recordings, integrations) 19:11 – Final thoughts + why these tools may become essential in your tech stack

✅ Keywords: mortgage broker technology, AI note taker, Fathom vs Otter vs Fireflies, best note-taking app for mortgage brokers, CRM integration, meeting productivity tools, compliance tools for brokers, AI meeting summaries, automate meeting notes

🔔 Like what you heard? Subscribe to Mortgage Tech Talks and share this episode with one colleague who needs to hear it. Your referrals help us grow—one listener at a time.

#mortgagebroker #aitechnology #productivitytools #fintech #mortgagetech

You’ll learn how lenders fund the systems you use, how that affects your brokerage’s software decisions, and what the future might look like in an AI-driven world.

Whether you're a broker, lender, or tech enthusiast—this is the episode that connects all the dots.

0:00 – Smaller brokerages building their own tech “pipes” 0:48 – Welcome + Why this hidden dynamic explains everything 1:36 – The “free” software myth: Who’s really paying? 2:58 – Let’s talk numbers: $95M–$155M annually 4:07 – Breaking down the $315B broker channel 5:20 – How much Velocity earns from lender fees 6:09 – The per-broker revenue reality 7:52 – What platforms are making off your volume 8:36 – How Filogix built the original network and fee model 10:11 – “The house with pipes” analogy explained 12:09 – How Velocity and Finmo gained traction 13:10 – Did Filogix enable their competition? 14:03 – The honey pot is leaking—market share is shifting 15:02 – Why big networks are launching their own platforms 16:24 – New revenue streams and tighter software control 17:40 – Why platforms are stacking on free tools (CRM, payroll, AML) 19:24 – What happens if lenders stop paying the fees? 20:20 – The rise of AI agents and platform-free futures 21:36 – Why brokers need to own their process 22:26 – The risk of misaligned incentives 23:09 – Wrap-up: why this matters more than ever

#mortgagetech #mortgagebroker #fintech #mortgageindustry #mortgageautomation

He also breaks down the latest in mortgage tech innovation, including a deep review of Pineapple Plus, the all-in-one platform making waves in the broker space. Plus, he covers big leadership moves in the mortgage industry and what they could mean for tech adoption across brokerages.

Whether you're a mortgage broker, industry insider, or just want to stay ahead of what's next in real estate, this episode is packed with insight.

📌 Timestamps:

00:00 – Will government-built homes become a new asset class? 01:09 – Intro & today’s episode overview 02:08 – Pineapple Plus platform: first impressions 04:05 – Key features: CRM, client applications, centralized underwriting 05:19 – Google Drive integration + seamless doc management 05:56 – The paradox of “all-in-one” mortgage systems 07:48 – Simplicity vs. complexity in mortgage software 08:07 – Industry update: Chris Turcotte moves from Centum to TMA 09:18 – Why better tech is influencing brokerage leadership 10:20 – The rise of Velocity and brokerage-led tech tools 11:04 – “Championship teams” vs. “family” in company culture 12:12 – New leadership at Centum: Adrian Schulz steps up 13:14 – Mortgage Monitor: tech tools that analyze your book 14:34 – Will Adrian's promotion help or slow tech innovation at Centum? 14:53 – Political lens: Liberal housing plan & market impact 16:13 – Why 500,000 government-built homes might shift the asset landscape 17:52 – How a new asset class could protect home equity + create opportunity 18:25 – Final thoughts: what it all means for mortgage professionals 19:16 – Closing remarks + comments welcome

💡 Like this episode? Subscribe and comment your thoughts on government-built housing or all-in-one tech platforms for brokers. Your feedback helps shape future discussions!

#mortgagebroker #realestatecanada #mortgagetech #canadianhousing #mortgagepodcast #realestateinvesting #brokerlife

Carter shares how Finmo went from idea to industry leader by focusing on user experience, simplicity, and doing fewer things better.

They cover: – The myth of the all-in-one system – Why open platforms win long term – What AI tools brokers are already using – How competition fuels innovation in Canadian mortgage tech – And how Carter’s past in marketing shaped Finmo’s product vision

If you’ve ever asked “why can’t my tech just work?”, this episode is for you.

TIMESTAMPS: 00:00 – “Just because you have the features… doesn’t mean you have the features.” 01:16 – Carter’s origin story: from Facebook ads to Finmo 04:21 – The shocking state of mortgage tech in 2017 06:56 – How early feedback loops built Finmo fast 09:57 – Why trying to solve everything at once kills momentum 11:52 – The role of rest, flow state, and personal performance 14:14 – Using competitiveness as a mindset advantage 17:00 – “We’re not finding our foothold—we’re building a mountain.” 19:36 – The myth of the all-in-one platform 23:36 – Why UX feature checklists in 2025 mortgage tech 27:37 – What brokers really want and why execution wins

Connet with Carter Zimmerman https://www.linkedin.com/in/carter-zimmerman-7753495b/ 

🎧 Tune in to our podcast for on-the-go learning stay ahead in the game! https://wavve.link/mortgagetechtalks

📱Connect with Tom on Instagram https://www.instagram.com/mortgage_tech_tom/

📱Connect with Tom on LinkedIn https://www.linkedin.com/in/tomhall8/

📱Connect with Massimo on Instagram https://www.linkedin.com/in/massimoianniruberto/

Make sure to 🔔 SUBSCRIBE, 👍 LIKE, and 💬 COMMENT below to let us know what you think!

Joe shares his entrepreneurial journey, how he risked it all to build one of Canada’s most innovative mortgage tech platforms, and why machine learning—not just ChatGPT—is the real future of AI in our industry.

From product innovation and automation to the evolving role of leadership in scaling tech companies, this is a must-watch for anyone serious about the future of mortgage and financial services.

🔔 Don’t forget to subscribe for more insights on mortgage tech and industry innovation.

⏱️ Timestamps

00:00 – AI won’t replace you—but people who use AI will 00:38 – Intro to Mortgage Tech Talks & guest Joe Fakhri 01:00 – How Joe started Axiom & the origin of Scarlett 05:00 – Leaving a secure job to build Scarlett: the leap 10:00 – Living off savings for 4 years to build something great 12:00 – Building a "machine" of people and tech 14:00 – Why innovation needs to reduce friction—not add it 18:00 – The difference between machine learning & generative AI 21:00 – How Scarlett Genius uses data to recommend lenders 25:00 – Transitioning out of the CEO role: Joe’s leadership evolution 32:00 – Why trust and humility are crucial in fast-growing companies 34:00 – Joe’s take on the Internet revolution—and how AI compares 37:00 – The difference between machine learning vs ChatGPT-style AI 41:00 – What the next 24 months of real AI adoption will look like 46:00 – Final thoughts: picking trusted partners in a noisy AI market

💡 Want to connect with Joe?

https://www.instagram.com/scarlettnetwork/ 

https://www.linkedin.com/company/scarlettnetwork/ 

https://www.facebook.com/ScarlettNetwork 

From the shocking downsizing of U.S. mortgage brokers, to how Canadian mortgage tech companies are adjusting their strategies, to a deep dive into the latest partnership news between Pinch Financial and DLC — this episode is packed with insights that every mortgage professional, lender, and tech entrepreneur needs to hear.

Whether you're a mortgage broker, lender, or just someone following the evolving mortgage tech space, you're going to walk away with valuable takeaways about where the market is heading.

Timestamps:

00:00 - U.S. Mortgage Broker Numbers Crash: 395,000 → 93,000 00:18 - Comparing U.S. vs. Canadian Mortgage Broker Markets 00:52 - Why U.S. Brokers Are Being Wiped Out (No Renewal Cycles) 01:26 - Welcome to Mortgage Tech Talks (Living Room Edition) 01:44 - Quick Overview of Today's Topics 02:06 - How Canadian Tech Companies Are Positioning Themselves 02:23 - The Pinch Financial Curiosity Story 02:27 - Story #1: Jeff Willis' Proudly Canadian Post 03:06 - Debating Canadian vs. U.S. Mortgage Tech Platforms 04:09 - Economic Libertarian View on Tariffs in Mortgage Tech 05:07 - Why "Made in Canada" Matters More in 2025 06:08 - How U.S. Funding Impacts Canadian Mortgage Startups 07:29 - Silver Linings and the Need for Canadian Funding Growth 08:05 - Story #2: Even Deeper Dive into U.S. Loan Officer Numbers 09:31 - The True Reason Behind the U.S. Mortgage Collapse 10:59 - No Refinancing, No Moving, No Business 11:39 - How Brokers Are Surviving Today (New Builds, 2nd Mortgages) 12:11 - The New Evolution: From "Rate Shopper" to "Trusted Advisor" 13:12 - Story #3: Pinch Financial Partners with DLC 13:54 - The Importance of Realtor.ca Integration for Pinch 14:30 - Is Pinch Really a "Game-Changer"? A Closer Look 15:07 - Unpacking the M3 Tech and Pinch Relationship 16:13 - Why M3 Might Be Refocusing on Core Competencies 17:15 - Are Brokers and Tech Companies Both Scaling Back? 17:30 - Final Thoughts + How the Mortgage Tech Landscape is Changing

Subscribe to Mortgage Tech Talks for more weekly deep dives into mortgage industry trends, market updates, and how technology is shaping the future of Canadian lending.

👉 Comment below: What trend do you think will have the biggest impact in the next 12 months?

#MortgageBrokers #MortgageTech #CanadianRealEstate #LendingTrends #MortgageIndustry

We talk about:

• Why residential brokers struggle to break into commercial

• The tech void in the multifamily space (and how David is solving it)

• What makes commercial underwriting so much more complex

• His decision to spin off a standalone multifamily tech platform launching June 1st

• How he’s democratizing commercial real estate for new investors and brokers alike

This episode is a must-watch if you’re: ✅ A residential broker curious about the commercial space ✅ Frustrated by the inefficiencies of spreadsheets and emails ✅ Interested in the future of AI + automation in mortgage workflows ✅ Looking to scale your investor business with better tools

⏱️ Timestamps:

00:00 – Why multifamily listings aren’t investor-friendly 00:20 – Building tools that simplify commercial analysis 00:47 – Giving access to tools most brokers don’t have 01:12 – Intro: Meet David Maé Rand, ex-residential broker turned tech founder 02:07 – The origin story: from 2-minute convo to this podcast 02:43 – Why David left residential for multifamily 04:24 – Phasing out residential and leaning into investor clients 06:21 – Why switching to commercial is scary for brokers 07:17 – What makes some brokers fail when switching 08:59 – Why commercial lending has so much paperwork 09:34 – How David's team built processes from scratch 10:09 – There was literally no tech in commercial 11:18 – How they organize massive amounts of documents 12:13 – Why residential tech has boomed—but not commercial 13:20 – Why most developers can’t build good mortgage tech 14:32 – Building tech internally that actually works 16:25 – When David realized he needed a dedicated tech stack 17:50 – The hidden value of structured data 19:17 – Why existing CRMs don’t support corporations as borrowers 20:20 – The complexity of org charts and ownership 21:24 – Why solving hard problems = massive opportunity 22:07 – Where AI fits into all this 23:31 – Using AI to build org charts, automate file handling 25:20 – The future: AI doing all the grunt work for brokers 26:55 – Why David isn’t competing with generic AI tools 27:19 – Launching a dedicated multifamily tech company (June 1!) 28:16 – How this tech can change the entire Canadian multifamily market 30:12 – Will this ever expand beyond multifamily? 31:24 – Why tech gives David’s brokerage a massive edge 32:23 – His vision: a portal for agents and investors to model cash flow 33:43 – Making commercial less intimidating 35:08 – Tech as a bridge for new brokers entering the space 36:23 – Why servicing sophisticated borrowers requires next-level systems 37:07 – How brokers can actually provide value to investors 39:19 – Want to try the portal? How to get early access

🔥 Enjoyed this episode? Like, comment, and subscribe for more conversations at the intersection of mortgage, tech, and real estate investing.

#mortgagetech #multifamilyrealestate #commercialmortgage #canadianmortgage #mortgagebroker #fintech #realestatetech #aiinmortgage #mortgageautomation #mortgagetalkshow

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

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

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 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

🔍 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 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!

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

***

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

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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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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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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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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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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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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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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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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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