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Fobby Naghmi

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Laugh, Lend and Eat
Laugh, Lend and EatForeclosure headlines look terrifying—but are they telling the truth?In this breakdown, Fobby Naghmi and Justin Neal cut through the noise and unpack what the numbers actually say. We look at today’s foreclosure activity side-by-side with the peak of the housing crisis, revealing a very different—and far less frightening—story than the headlines suggest.Drawing from decades of front-line mortgage leadership and data trends, Fobby and Justin explain how foreclosure filings, delinquencies, and REO levels compare to historical norms. Their insight makes sense of the market pressure points without the hype, giving real estate pros the clarity they need to guide clients with confidence.I...
2025-11-2402 minLaugh, Lend and Eat
Laugh, Lend and EatRethink Everything You Know About NetworkingIn this high-energy episode, Fobby welcomes back Liz “Get Sh*t Done” Short and Lindsey Meyer to talk about their new collaborative book, Rethink Everything You Know About Networking.Together, they explore how networking has evolved far beyond suits, business cards, and surface-level connections. Liz and Lindsey share how their friendship and professional collaboration led to this project — one that challenges the myths around networking and celebrates real human stories of connection, courage, and community.From LinkedIn relationships to live events, from organizing 20+ contributors to pre-launch marketing buzz, this episode reveals the behind...
2025-10-1438 minLaugh, Lend and Eat
Laugh, Lend and EatThe Future Belongs To The Brave: The New Era of MortgagesIn this episode of Laugh, Lend & Eat, Fobby Naghmi sits down with Jeremy Potter, founder of Next Belt Strategies and one of the most forward-thinking voices in mortgage technology, to talk about courage, innovation, and how to navigate an industry that’s evolving faster than ever.Jeremy and Fobby dive into what it truly means to innovate responsibly — moving fast enough to stay relevant, but smart enough to stay compliant. Together, they explore how mortgage companies can adapt to AI without losing control of the process or the human touch that defines great lending.Adapting to A...
2025-10-0651 minLaugh, Lend and Eat
Laugh, Lend and EatLaughs, Loans, and Recruiting: Justin Neal in His Own WordsWhat happens when a mortgage recruiter with an MBA also happens to be a stand-up comedian? You get lessons in persistence, humor, and resilience that every loan officer, recruiter, and leader can relate to.In this episode, I sit down with Justin Neal, MBA — VP of Recruiting at Summit Mortgage Corp. Justin blends his professional career in mortgage recruiting with a passion for comedy, and the overlap is more powerful (and entertaining) than you might expect. From handling ghosting to navigating rejection, Justin shares why adaptability and likability matter as much in recruiting as th...
2025-08-1834 minLaugh, Lend and Eat
Laugh, Lend and EatYou Can’t Coach Character: Leading HonestlyIn this episode of Laugh, Lend & Eat, Fobby Naghmi is joined by Linda Thomas, SVP of Retail Sales at AnnieMac Home Mortgage, for a real, grounded conversation about what it means to lead with integrity—especially in a business that often confuses performance with leadership.From her early days in title work to building teams in new markets, Linda has led by one core principle: do the right thing, even when it’s not popular. Together, she and Fobby unpack the tough realities of hiring, setting culture, and the limits of coaching. Because as Fobby says in this...
2025-08-0533 minLaugh, Lend and Eat
Laugh, Lend and EatAnnieMac's Appraisal Assurance: Bringing Certainty Back!Fobby Naghmi sits down with Wes Costello, EVP of Sales Operations at AnnieMac, for a high-energy conversation about Appraisal Assurance—a new way to help buyers write stronger offers by eliminating the uncertainty of appraisal contingencies.If you’re in lending or real estate, this episode breaks down exactly how Appraisal Assurance helps qualifying buyers lock in mortgage insurance pricing, even if the property under-appraises. 🏡💥“This is the kind of strategy LOs and agents will wish they had known 3 deals ago.” — Fobby NaghmiHow Appraisal Assurance removes appraisal contingencies from offersWhat happens whe...
2025-07-0140 minLaugh, Lend and Eat
Laugh, Lend and EatReal Talk Mortgage Pros Need for 2025 with Diego SanchezThis isn’t your average mortgage industry chat.In this high-impact episode, Diego Sanchez, President of HousingWire, joins Fobby for a raw, unfiltered conversation on the real forces shaping the mortgage business in 2025. From AI and servicing dominance to the truth about signing bonuses, nothing is off-limits.Whether you’re a loan officer looking for your edge or a leader planning next year’s strategy—this is the conversation you didn’t know you needed.Why servicers are positioned to dominate refis —and what that means for retailHow to actually use AI to fr...
2025-03-3141 minLaugh, Lend and Eat
Laugh, Lend and EatCash2Keys: A New Way to Buy Homes – More Than Just a MortgageIn this episode of Laugh, Lend & Eat, host Fobby Naghmi sits down with Wes Costello of AnnieMac to dive deep into aCash2Keys is a revolutionary homebuy program that's more than just a mortgage.With today's competitive market, homebuyers are facing relentless bidding wars, multiple rejected offers, and uncertainty in securing their dream home. Cash2Keys changes the game by turning buyers into the equivalent of cash buyers—without extra fees, different mortgage rates, or unnecessary hurdles. Wes breaks down how the program eliminates financing contingencies, giving buyers and realtors a powerful tool to win contracts faster....
2025-03-0339 minLaugh, Lend and Eat
Laugh, Lend and EatBreaking the Rules: Chris Miles on the Anti-Financial Advisor Approach to WealthIn this episode of Laugh, Lend, & Eat With Madness, co-hosts Fobby Naghmi and Madison Keenan welcome Chris Miles, founder of Money Ripples and the self-proclaimed Anti-Financial Advisor. Chris, a passive income expert who has been featured in U.S. News & World Report, CNN Money, and Bigger Pockets, is upending the financial advising industry by teaching entrepreneurs and professionals how to create lifelong wealth in a volatile economy. Chris shares his journey from a traditional financial advisor to a champion of financial independence through unconventional methods. He discusses breaking free from the constraints of mainstream financial advice, the...
2025-01-2737 minLaugh, Lend and Eat
Laugh, Lend and Eat2025 Mortgage Market Outlook w/ Kevin PeranioKick off Season 6 of Laugh, Lend and Eat with a powerful and insightful conversation featuring Kevin Peranio, Chief Lending Officer at PRMG. In this special episode, host Fobby Naghmi dives deep into the trends shaping the mortgage industry in 2025, including market predictions, the impact of inflation, and strategies for loan officers to thrive in a challenging environment. Kevin shares his expertise on building harmony between sales and operations, the evolving role of technology in lending, and actionable tips for mortgage professionals to connect with borrowers and close more loans.What You'll Learn in This Episode:...
2025-01-1546 minLaugh, Lend and Eat
Laugh, Lend and EatBranding, Authenticity, and Trusting the Journey w/ Raquel BorrasIn this dynamic episode of Laugh, Lend, & Eat, host Fobby Naghmi sits down with Raquel Borras, External Communication Manager at New American Funding and a seasoned branding expert. Raquel shares her insights on leveraging social media for personal and professional growth, the evolving nature of branding, and the importance of authenticity in fostering meaningful connections. Through her personal journey, she discusses how vulnerability and trust in the process have played a pivotal role in her career and personal development. Key Themes: Authenticity in Branding: Raquel emphasizes that audiences resonate with genuine, relatable content rather than overproduced...
2024-12-1256 minLaugh, Lend and Eat
Laugh, Lend and EatMastering Presence and Change: Tim Braheem on Coaching, Leadership, and Life LessonsIn this episode of Laugh, Lend, & Eat, host Fobby Naghmi welcomes Tim Braheem, Founder, CEO, and Head Coach of the Performance Experts. Tim shares his journey from a part-time loan officer to a transformative coach, emphasizing the importance of presence, adaptability, and self-awareness in both professional and personal life. Through his engaging storytelling and coaching philosophy, Tim provides practical strategies for cultivating trust, navigating change, and achieving meaningful growth. Key Themes: The Power of Presence: Tim discusses how cultivating presence as a skill can transform personal relationships and professional interactions, enabling deeper connections and trust-building. Adapting...
2024-12-1039 minLaugh, Lend and Eat
Laugh, Lend and EatGuidance, Healing, and Connection: Tina Phillips on Psychic Mediumship and Helping OthersEpisode Overview:In this fascinating episode of Laugh, Lend, & Eat, host Fobby Naghmi welcomes Tina Phillips, owner of Phillips Retreat. Tina discusses her work as a psychic medium, holistic healer, and self-care coach, diving into her experiences and the value of her services. The conversation explores themes of spiritual connection, self-awareness, and the transformative power of guidance. Tina shares insights from her journey, her perspective on psychic readings, and how she helps people align with their higher selves. Key Themes: The Role of Psychic Mediumship: Tina explains the difference between a psychic and a medium...
2024-12-0546 minLaugh, Lend and Eat
Laugh, Lend and EatReflections and Resilience: A Thanksgiving Special on Gratitude and Growth"Episode Overview:In this Thanksgiving episode of Laugh, Lend, & Eat With Madness, co-hosts Fobby Naghmi and Madison Keenan reflect on the past year, discussing personal and professional lessons learned, moments of gratitude, and their hopes for the future. With humor and heartfelt insights, they delve into navigating challenges in the mortgage industry, setting boundaries in business relationships, and the importance of adaptability and intention in tough markets. Key Themes: Gratitude Amidst Challenges: Madison reflects on the importance of cherishing health, family, and close relationships while navigating the ups and downs of the...
2024-12-0239 minLaugh, Lend and Eat
Laugh, Lend and EatLeveraging Data for Growth: Jimmy Boone on RETR's Impact on Loan Officers and RealtorsEpisode Overview:In this insightful episode of Laugh, Lend, & Eat, host Fobby Naghmi welcomes Jimmy Boone, Senior Account Executive at RETR, to discuss the transformative role of data in the mortgage and real estate industries. Jimmy explains how RETR, a data-driven intelligence platform, empowers loan officers and real estate professionals to enhance productivity, foster stronger partnerships, and make informed decisions. He also dives into how technology like RETR provides solutions for nurturing relationships and uncovering untapped opportunities, offering a competitive edge in a challenging market. Key Themes: The Power of Accurate Data: Jimmy highlights how R...
2024-11-2039 minLaugh, Lend and Eat
Laugh, Lend and EatRevamping Mortgage Education: Nathan Knottingham on Innovation, Engagement, and CE TransformationEpisode Overview:In this engaging episode of Laugh, Lend, & Eat With Madness, co-hosts Fobby Naghmi and Madison Keenan sit down with Nathan Knottingham, COO of MLO Force, Co-Founder of WestPort Creative, and CSO of Be My Neighbor Mortgage. Nathan shares his journey into the mortgage industry, his passion for education, and the innovative approach MLO Force brings to continuing education (CE) for loan officers. He discusses the importance of keeping training relevant, engaging, and accessible in an industry where learning can often feel tedious. Key Themes: Making CE Engaging: Nathan explains how MLO Force uses...
2024-11-1238 minLaugh, Lend and Eat
Laugh, Lend and EatBridging Worlds: Morgan DeNicola on Cultural Diplomacy, Humanitarian Work, and Finding PurposeEpisode Overview:In this episode of Laugh, Lend, & Eat, host Fobby Naghmi sits down with Morgan DeNicola, Vice Chair of The Humpty Dumpty Institute. Morgan shares her experiences in humanitarian work, from her interactions with world leaders to her hands-on projects across the globe. She discusses the importance of cultural diplomacy, the challenges of humanitarian work, and how service has given her life purpose and perspective. Key Themes: The Power of Cultural Diplomacy: Morgan emphasizes how leaving personal biases behind and engaging openly allows for genuine connections and deeper understanding across different cultures. Impact of...
2024-11-0542 minLaugh, Lend and Eat
Laugh, Lend and EatAuthenticity, Energy, and Inner Growth in Leadership with Scott Griffin and Eleni TheodorakosEpisode Overview:In this Leadership Matters episode of Laugh, Lend, & Eat, host Fobby Naghmi is joined by two dynamic leaders: Scott Griffin, Founder and CEO of Scott Griffin Financial, and Eleni Theodorakos, Owner of NOVA Kids in Motion. The conversation dives deep into the personal journey of leadership, focusing on the importance of authenticity, energy, and inner growth. Both guests discuss how their unique leadership styles have been shaped by personal experiences, emphasizing how a leader’s inner state influences team performance and organizational culture. Key Themes: Authenticity in Leadership: Scott discusses ho...
2024-11-0236 minLaugh, Lend and Eat
Laugh, Lend and EatLeadership, Honesty, and Trust: Building Teams in Tough Markets with Jeff Walton, Alex Kutsishin, and Keith CanterEpisode Overview:In this Leadership Matters episode of Laugh, Lend, & Eat, host Fobby Naghmi dives into leadership dynamics with three notable guests: Jeff Walton, Co-Founder and CEO of InGenius, Alex Kutsishin, Co-Founder and CEO of FUEL !nc, and Keith Canter, CEO of First Community Mortgage. The discussion focuses on the importance of transparency in leadership, fostering trust within teams, and how to navigate tough market conditions. The trio shares their personal experiences with team building, dealing with adversity, and the challenges leaders face in maintaining a culture of accountability and openness. Key Themes: Transparency and...
2024-10-2942 minLaugh, Lend and Eat
Laugh, Lend and EatBecome The Ladder: Tobi Moyle on Empathy, Growth, and Corporate CultureEpisode Overview:In this episode of Laugh, Lend, & Eat, host Fobby Naghmi is joined by Tobi Moyle, Professional Speaker and Leadership Consultant at Life Is A Ladder Inc. Tobi shares her philosophy on leadership, focusing on the importance of empathy, personal growth, and the role of corporate culture in shaping successful organizations. Her experiences as a consultant provide valuable insights into how leaders can foster positive change and meaningful connections within their teams. Key Themes: Empathy as a Leadership Tool: Tobi emphasizes that empathy is a core skill in leadership, allowing leaders to connect on...
2024-10-2245 minLaugh, Lend and Eat
Laugh, Lend and EatLeadership Matters: Brian Covey & Melissa Stashin on Navigating Accountability, Culture, and LeadershipEpisode Overview:In this episode of Laugh, Lend, & Eat, host Fobby Naghmi and co-host Ginger Bell are joined by two seasoned leaders in the mortgage industry: Brian Covey, Executive Vice President of Revolution Mortgage, and Melissa Stashin, President of Pacific Residential Mortgage. The discussion centers around leadership challenges, fostering company culture during volatile times, and the significance of accountability and gratitude in building resilient teams. Both Brian and Melissa offer valuable insights from their careers and share how their leadership journeys have shaped their approaches to managing teams and maintaining a positive organizational culture. Key Themes:
2024-10-1833 minLaugh, Lend and Eat
Laugh, Lend and EatLeadership Matters: Gabriel Gillen, Dalila Ramos, and Laura Brandao on Servant LeadershipEpisode Overview:In this episode of Laugh, Lend, & Eat, host Fobby Naghmi and co-host Ginger Bell sit down with three industry leaders: Gabriel Gillen, President of Family First Funding LLC, Dalila Ramos, Founder of Love & Tacos Media, and Laura Brandao, Founder and CEO of Lighthouse Advisors LLC. The discussion covers the importance of leadership in the face of adversity, building a culture of trust, and the philosophy of servant leadership. Each guest shares personal stories that shaped their leadership journey, providing valuable insights into how leaders can grow through challenges and inspire their teams. Key Themes:
2024-10-1738 minLaugh, Lend and Eat
Laugh, Lend and EatLeadership Matters: Corrina Carter and Mike Mills on Empowering TeamsEpisode Overview:In this special Leadership Matters episode of Laugh, Lend, & Eat, host Fobby Naghmi is joined by co-host Ginger Bell, Founder of Edumarketing and AIMasteryCenter, along with two insightful guests: Corrina Carter, President, Founder, and CEO of CMS Mortgage, and Mike Mills, Area Manager at Geneva Financial LLC and host of The Texas Real Estate & Finance Podcast. The conversation revolves around their leadership journeys, the importance of empowering teams, and embracing both successes and failures as learning opportunities. Each guest shares their unique experiences, from starting a business to navigating complex team dynamics, offering invaluable lessons for...
2024-10-1635 minLaugh, Lend and Eat
Laugh, Lend and EatLeadership Matters: Joe Wilson, Don Hastings, and Irene Duford on the Power of ListeningEpisode Overview:In this episode of Laugh, Lend, & Eat, host Fobby Naghmi and co-host Ginger Bell are joined by three incredible guests: Joe Wilson, Founder & CEO of SocialCoach, Don Hastings, Founder of Senior Solutions Today, and Irene Duford, Founder of Loan Team Training/Living Your Dreams LLC. The panel dives into the importance of leadership, mentorship, and the power of listening. Each guest brings their unique experience to the table, discussing how leadership is a journey filled with challenges, adaptability, and the constant need for personal development. Key Themes: Leadership through Failure...
2024-10-1535 minLaugh, Lend and Eat
Laugh, Lend and EatLeadership Matters: Marshall Sparkman & Michelle Velez on Collaborative Leadership Episode Overview:In this special Leadership Matters episode of Laugh, Lend, & Eat, host Fobby Naghmi and co-host Ginger Bell are joined by three insightful guests: Ginger Bell, Founder of Edumarketing and AIMasteryCenter, Marshall Sparkman, Mortgage Sales Supervisor at U.S. Bank, and Michelle Velez, Certified Mortgage Consultant at Mortgage Dynamics. Together, they discuss the importance of leadership in both the mortgage industry and personal life, sharing their own experiences of leading teams, overcoming fear, and adapting to change. Key Themes: Collaborative Leadership: Michelle emphasizes the importance of motivating volunteers and creating a collaborative...
2024-10-0836 minLaugh, Lend and Eat
Laugh, Lend and EatFed Rate Cuts, Refinancing Strategies, and Navigating Market ConfusionIn this lively episode of Laugh, Lend, & Eat, hosts Fobby Naghmi and Madison Keenan discuss the current mortgage market, the complexities of refinancing, and how to best guide clients through today's volatile interest rate environment. With humor and insight, the duo break down the Federal Reserve’s recent rate cuts, misconceptions around mortgage rates, and the importance of educating clients in an industry filled with noise and misinformation. Key Themes: Interest Rate Confusion: Madison and Fobby clarify the misunderstanding clients often have about the Federal Reserve’s role in mortgage rates and why imme...
2024-10-0135 minLaugh, Lend and Eat
Laugh, Lend and EatSocial Media Strategies for Success: Insights from Michelle Mendes of Arch Mortgage InsuranceIn this episode of Laugh, Lend, and Eat, recorded live at NAMMBA Connect ‘24 in Orlando, FL, Fobby and Joe chat with Michelle Mendes, Account Executive for Arch Mortgage Insurance. Michelle, who was born in Venezuela and migrated to America as a child, shares her expertise in using social media to grow and engage with audiences. Known for her active presence on Instagram and other platforms, Michelle explains how mortgage professionals can leverage social media to build strong relationships, foster communities, and ultimately, drive business. She also discusses the differences between platforms like Instagram and Facebook and how loan officers ca...
2024-09-1016 minLaugh, Lend and Eat
Laugh, Lend and EatGenerations of Expertise: Lindsey Meyer on Her Family's Mortgage LegacyIn this episode of Laugh, Lend, and Eat, recorded live at NAMMBA Connect ‘24 in Orlando, FL, Fobby and Joe sit down with Lindsey Myers, Chief Growth Officer for Concourse Land Transfer, LLC. Lindsey shares her unique perspective as a fourth-generation professional in the real estate and mortgage industry. With a rich family legacy spanning decades, Lindsey offers valuable insights into her journey, her role in the modern mortgage world, and the lessons she’s learned growing up in an industry that’s always been a part of her life. Key Topics: Lindsey’s experience as a fourth-g...
2024-09-1016 minLaugh, Lend and Eat
Laugh, Lend and EatFrom Inspiration to Action: Key Takeaways from NAMMBA Connect 2024In this powerful episode of LL&E Voces, Latina, Fobby Naghmi, and Dalila Ramos reflect on the energy and inspiration they experienced at NAMMBA Connect 2024. This year’s event wasn’t just a gathering but a call to action. Fobby and Dalila discuss how the ideas and connections formed at NAMMBA are driving tangible change in the mortgage industry, especially for minority professionals. From the importance of diversity and inclusion to practical tips on leveraging video marketing, this episode is packed with insights on how to take inspiration and turn it into real action. 💬 Key Quotes: 💡 Fobby...
2024-09-0535 minLaugh, Lend and Eat
Laugh, Lend and EatNAMMBA Connect 2024: Recruiting Strategies for Mortgage ManagersIn this episode, recorded live from NAMMBA Connect 2024 in Orlando, FL, we explore effective recruiting strategies for mortgage company managers focused on hiring loan officers. Moderated by Heidi Iverson from MMI—a company specializing in providing data on loan officers and mortgage companies—the panel features Fobby Naghmi, Gene Frazier, and Carolina Vergara. The discussion emphasizes balancing relationship-building with data-driven decisions, the importance of onboarding, and the strategic use of compensation. Key Takeaways: Targeted Outreach: Merging personal connections with data helps identify and attract top loan officers. Onboarding Excellence: A robust onboarding process ensures the successful inte...
2024-08-311h 00Laugh, Lend and Eat
Laugh, Lend and EatSurviving the Madness of a Tough MarketIn this episode of Laugh, Lend & Eat Madness, Fobby Naghmi, and Madison Keenan delve into the challenges and realities of being a loan officer during one of the toughest periods in the mortgage industry. They share personal confessions, discuss how to navigate the market's difficulties, and explore the mental resilience needed to survive and succeed in these challenging times. The episode is filled with candid conversations about the industry's highs and lows, offering valuable insights for both new and seasoned loan officers. Key Takeaways: The Confessional Approach: Fobby and Madison kick off the episode by...
2024-08-1431 minLaugh, Lend and Eat
Laugh, Lend and EatSmall Changes, Big Impact: The Key to Sustainable SuccessLearn how minor adjustments in daily routines can significantly improve various aspects of life, such as health, productivity, and relationships. Fobby Naghmi welcomes Farhad Chowdhury, the founder of ViaNova. They dive into the intricacies of habit formation and its profound impact on personal and professional growth. Farhad shares insights from his work on behavior change and habit development. ViaNova is a pioneering AI company developing technologies to foster positive health habits in healthcare, education, and philanthropy. Key Takeaways: The Power of Small Changes: Farhad emphasizes the importance of starting small when...
2024-08-0646 minLaugh, Lend and Eat
Laugh, Lend and EatWinning Strategies for Loan OfficersQuestion: What key strategies does Tony Thompson recommend for loan officers to thrive in the current market? In this episode of Laugh, Lend, and Eat, Tony Thompson, founder of NAMMBA, and Dalila Ramos join Fobby Naghmi for a discussion to provide valuable insights and strategies for loan officers aiming to succeed in today's challenging market. Their combined expertise offers practical advice and actionable tips that can help loan officers enhance their business practices and achieve their goals. Key Takeaways: Adapting to Market Changes: Tony and Dalila discuss the current market conditions and...
2024-07-2338 minLaugh, Lend and Eat
Laugh, Lend and EatInnovative Marketing StrategiesIn this engaging episode of "Laugh, Lend, and Eat," Fobby Naghmi welcomes Michael Hammond, the mastermind behind Next Level Advisors and the host of the FinTech Hunting podcast, along with Dalila Ramos. The conversation dives into the unique challenges and experiences faced in the mortgage and fintech industries while also exploring personal anecdotes and professional insights. Introduction and Warm-Up The episode kicks off with a casual and humorous tone, discussing daily struggles and setting a relaxed atmosphere for listeners. Fobby expresses admiration for Michael’s ability to conduct exceptional podcast intros, highlighting his friendly and appreciative ma...
2024-07-1644 minLaugh, Lend and Eat
Laugh, Lend and EatLeadership Matters: Navigating ChallengesThis milestone 100th episode of Laugh, Lend& Eat kicks off a new series focused on the nuances and importance of leadership across various industries. Host Fobby Naghmi is joined by industry leaders Christine Beckwith, Joe Panebianco and Ginger Bell will share their leadership journeys, challenges, and insights. Key Segments and Takeaways: Segment 1: Leadership Journeys Joe Panebianco emphasizes hard work and mentorship. Ginger Bell shares an early experience solving team challenges. Christine Beckwith discusses being recognized for assertiveness and creating leaders. Segment 2: Overcoming Challenges Ginger Bell highlights leading by example during crises. Joe...
2024-07-0950 minLaugh, Lend and Eat
Laugh, Lend and EatReal Realtors of New Jersey '24Ever wonder what it's like trying to be a realtor in New Jersey? In 2024? With a limited housing inventory? In this lively episode, the Laugh, Lend, and Eat podcast kicks off the third season of its popular series, "Real Realtors of New Jersey." Hosts Madison Keenan and Fobby Naghmi engage in a humorous and insightful discussion, reflecting on the real estate market of New Jersey. They are joined by real estate agents GIna Scodella and Kristina Hajjassan. With a mix of personal anecdotes, professional challenges, and market insights, this episode sets the stage for an exciting new...
2024-06-2553 minLaugh, Lend and Eat
Laugh, Lend and EatFrom Brokers to Bankers: Beyond the MythsIn this episode of Laugh, Lend, and Eat, host Fobby Naghmi is joined by Jeff Kane and Jason Smathers to debunk some mortgage industry myths about brokers are better. Dive deep with us as we uncover the truths behind these common misconceptions and provide valuable insights for borrowers, loan officers, and anyone curious about the two different worlds of mortgages. Key Topics Discussed: Myth: Brokers Always Get the Best Rates Reality: Brokers don't always secure the best rates. We discussed the actual rates that some brokers offer and explained why the "broker advantage" might...
2024-05-2135 minLaugh, Lend and Eat
Laugh, Lend and EatMadness in the Market: Rates, Competition, and Finding OpportunitiesIn this episode of "Laugh, Lend & Eat," hosts Fobby Naghmi and Madison Keenan tackle the pressing issues facing the mortgage industry. From fluctuating interest rates to shrinking inventories, this episode provides an insightful and candid look at the current state of the market. Join Fobby and Madison as they share their experiences and perspectives, navigating the complexities of the mortgage world with a mix of seriousness and humor. Market Frustration: Madison's frustration with high-interest squeezes margins, affecting rates and low housing inventory echoes throughout the episode. This theme reflects the current challenges facing mortgage professionals...
2024-04-3036 minLaugh, Lend and Eat
Laugh, Lend and EatFrom Courtroom to Coaching: Julia Nilsen's Guide to Surviving DivorceIn this episode of Laugh, Lend, and Eat with Madness, hosts Fobby Naghmi and Madison Keenan welcome Julia Nilsen, a certified divorce coach and former attorney, to share her unique journey from the legal field to empowering others through divorce coaching. Dive into Julia's personal story of navigating a complex divorce and how it propelled her to advocate for financial literacy and legal awareness in marriages. What You'll Learn: The Role of a Divorce Coach: Understand the vital support a coach offers in the maze of legal and financial decisions during a divorce. Financial...
2024-04-2340 minLaugh, Lend and Eat
Laugh, Lend and EatLicenses, Lawsuits, and Life Lessons: Are We at a Turning Point in Mortgage and Real Estate?Is the Mortgage and Real Estate Industry Facing a New Era of Challenges and Opportunities? Fobby Naghmi and Madison Keenan delve into a kaleidoscope of topics within the mortgage and real estate industries. With their signature blend of humor and insight, they explore the implications of recent industry developments, personal milestones, and the shifting dynamics of home buying, lending, and selling. Episode Highlights: Celebratory Tones: The episode kicks off with a lighthearted birthday celebration for Madison, weaving in personal anecdotes and the significance of remembering special occasions in a professional setting. ...
2024-04-0335 minLaugh, Lend and Eat
Laugh, Lend and EatLaughter, Loans, and Late PaymentsAre you a mortgage loan officer looking to navigate the ever-changing market landscape with humor and insight? Dive into this dynamic episode of "Laugh, Lend, and Eat with Madness," where the hosts, Fobby Naghmi and Madison Keenan, blend personal anecdotes, humor, and industry expertise to explore the world of mortgage lending. This engaging session covers topics vital for mortgage professionals, including trends like the "mob wife" aesthetic, the intricacies of consumer behavior, and the impact of economic indicators like the Consumer Price Index on the mortgage market. The discussion also delves into the importance of honesty and...
2024-03-2338 minLaugh, Lend and Eat
Laugh, Lend and EatThe New Frontier of Marketing According to GeoffWhat does the future of marketing look like in the age of artificial intelligence? In this episode of "Laugh, Lend & Eat," host Fobby Naghmi engages in an in-depth conversation with Geoff Livingston, an esteemed marketing strategist, distinguished photographer, and prominent voice in the intersection of AI and marketing. Together, they traverse various subjects, from AI's obstacles and possibilities in the contemporary marketing landscape to the individual stories and projects that have sculpted their professional journeys and the profound effects of social media and technology on our personal lives and professional environments. Geoff offers wisdom derived...
2024-03-1240 minLaugh, Lend and Eat
Laugh, Lend and EatSign-Ons and Bonuses: The Truth Behind Mortgage Recruitment StrategiesDive into an engaging discussion with Fobby Naghmi and Dalila Ramos on this episode of Laugh, Lend & Eat Voces Latina, which focuses on the unique challenges and opportunities for Spanish-speaking professionals in the mortgage industry. Key takeaways include: Cultural Integration: The importance of genuine cultural understanding and support within mortgage companies to cater to the Spanish-speaking community effectively. Ethical Recruiting: Insights into the mortgage industry's recruiting practices, emphasizing the need for integrity and caution against the pitfalls of enticing but potentially restrictive sign-on bonuses. Industry Dynamics: Personal anecdotes...
2024-03-1233 minLaugh, Lend and Eat
Laugh, Lend and EatNavigating New Norms in Mortgage LendingAre you intrigued by the dynamics of mortgage rates in today's economy or baffled by a client's decision to handle their own employment verification? Immerse yourself in the latest episode of "Laugh, Lend & Eat with Madness," where hosts Fobby Naghmi and Madison Keenan delve into these compelling subjects with wit and wisdom. This episode is a treasure trove of personal anecdotes, professional challenges, and invaluable industry insights. The conversation starts with a lively discussion about the contrasting real estate landscapes of North and South Jersey, shedding light on the competitive nature and pricing trends in these areas...
2024-03-0530 minLaugh, Lend and Eat
Laugh, Lend and EatBeau Cox's Approach to Mortgage MasteryAre you a mortgage loan officer looking for innovative strategies to navigate the fluctuating market and build a strong referral network? Dive into this insightful episode of Laugh, Lend & Eat as host Fobby Naghmi is joined by Beau Cox, Branch Manager at Nations Lending in Delaware. Beau shares his journey from transitioning out of the banking world into a 100% commission-based role, thriving during economic downturns, and leveraging technology and social media to boost his business. Discover how Beau crafted a successful career by focusing on relationship building, adapting to market trends, and utilizing technology to stay ahead...
2024-02-2225 minLaugh, Lend and Eat
Laugh, Lend and EatCreating Innovative Solutions for Industry ObstaclesIn this engaging episode of Laugh, Lend & Eat, host Fobby Naghmi interviews Katie Sweeney, the soon-to-be-former Chairman and CEO of the Association of Independent Mortgage Experts (AIME) and the incoming CEO of the Broker Action Coalition. The conversation explores Katie's journey in the mortgage industry, her observations on homeownership trends, particularly among millennials, and her vision for her new role in advocating for the mortgage community and homeowners. Key Highlights: A Musical Start: The episode kicks off with a playful nod to the Dallas Cowboys' fight song, setting a light-hearted tone and establishing a connection...
2024-02-2041 minLaugh, Lend and Eat
Laugh, Lend and EatBlueprint For Branch Managers: Strategies for GrowthIn this enlightening episode of "Laugh, Lend & Eat," host Fobby Naghmi invites a panel of Homecomings Mortgage & Equity's managers to dive into the multifaceted journey of a producing branch manager. This discussion not only sheds light on the increased workload and responsibilities that come with the managerial role but also explores the cultural nuances of homeownership and mortgage practices across different regions, including a comparison to cash-based property acquisitions in countries like Pakistan. Our speakers share personal anecdotes and professional insights from their experiences, ranging from managing builder accounts to the strategic adaptation required in today's technologically...
2024-02-1543 minLaugh, Lend and Eat
Laugh, Lend and EatLeadership Lessons with Todd Scrima of Summit FundingIn this episode, join Fobby Naghmi as he dives deep with Todd Scrima, founder of Summit Funding and the mind behind Loan Officer University. Todd shares his extensive experience and insights on leadership in the mortgage industry, discussing how he navigates its challenges and shapes the future of lending. This conversation is a must-listen for anyone interested in the intersection of finance, innovation, and leadership, offering valuable perspectives for professionals at all levels. Join us for an enlightening discussion that sheds light on the paths to success in the dynamic world of mortgages.
2024-02-0637 minLaugh, Lend and Eat
Laugh, Lend and EatVoces Latinas - Bridging Cultures in Mortgage LendingWelcome to the inaugural episode of "Voces Latinas," hosted by Fobby Naghmi and co-host Dalila Ramos. In this vibrant kick-off, we delve into the rich world of Spanish-speaking mortgage professionals. Fobby, a seasoned leader in the mortgage industry, and Dalila, a dynamic force with deep cultural roots, engage in a candid discussion about the significance of bilingualism and cultural diversity in mortgage lending. This episode explores the nuances of code-switching, the art of adapting language and demeanor in different cultural contexts, a skill invaluable in the diverse landscape of today's mortgage industry. Our hosts share personal anecdotes...
2024-02-0132 minLaugh, Lend and Eat
Laugh, Lend and EatFrom Rates to Realities: A Candid Conversation on Modern HomeownershipThis episode marks the beginning of Season 3 of the podcast "Laugh, Lend & Eat with Madness," hosted by Fobby Naghmi and Madison Keenan. The episode is a lively and engaging conversation that covers a range of topics related to the mortgage industry, personal experiences, and societal trends. Celebrating Milestones and Industry Changes: Fobby opens the episode by celebrating a personal milestone – 30 years in the mortgage business since January 3, 1994. He reflects on the immense changes in the industry over these three decades, noting that almost everything has evolved. Madison and Fobby discuss the longevity and transformation of certain companies an...
2024-01-2432 minLaugh, Lend and Eat
Laugh, Lend and EatChange is easy. Unlearning is hard. Discover the secrets to breaking free from societal expectations and embracing the person you were always meant to be with Fobby Naghmi, SVP of Homecomings Mortgage & Equity, a seasoned leader in the mortgage industry, as he shares profound insights in this quick talk. Unveil the powerful message of uncovering your true self and embracing authenticity. Join Fobby in this thought-provoking conversation that transcends the conventional narratives of success. Ready for a paradigm shift? Listen to the talk now and embark on a path of personal empowerment. Don't miss out—your authentic journey awaits!
2024-01-2101 minLaugh, Lend and Eat
Laugh, Lend and EatBarry Habib: Mortgage Market 2024 Join Fobby Naghmi, SVP of Homecomings Mortgage & Equity, and mortgage maestro Barry Habib in a deep dive into the ever-evolving mortgage landscape on today's episode! Uncover Barry's expert forecasts for 2024, including real estate trends, interest rate predictions, and the intriguing dynamics of market supply and demand. Barry demystifies the complexities of economic indicators like the jobs report, revealing their true impact on the mortgage sector. Plus, it dives into the transformative role of AI in the industry and the strategic importance of MBS Highway. For loan officers, Barry shares invaluable insights on navigating challenges and seizing opportunities in a...
2024-01-1041 minLaugh, Lend and Eat
Laugh, Lend and EatThe Power of Resilience: Thriving in Adversity with Stephen Moye In this insightful episode of the "Laugh, Lend and Eat" podcast, part of the HOTSHOTS series, host Fobby Naghmi engages in a deep conversation with Stephen Moye, a distinguished loan officer from New American Funding in San Diego, CA, and a multiple-time honoree on the "Scotsman Guide Top Loan Originator" list. Key Discussion Points: Stephen Moye's Career Journey: Celebrating nearly 27 years in the mortgage industry. His evolution from working in a grocery store to becoming a top loan officer. Market Challenges and Strategies: Addressing the current market conditions, including...
2023-12-2621 minLaugh, Lend and Eat
Laugh, Lend and EatOvercoming Fears and Unleashing Potential in the Mortgage IndustryDive into an enlightening episode of "Laugh, Lend, and Eat with Madness," where host Fobby Naghmi chats with co-host Madison Keenan of CrossCountry Mortgage and special guest Ginger Bell from EduMarketing Media. This episode takes you on a journey through the challenges and triumphs of content creation, particularly in the ever-evolving world of mortgage and finance. We kick off with an honest discussion about the current real estate market and its complexities. Madison opens up about her experiences with clients, shedding light on the realities of pre-approvals and market fluctuations. The conversation then shifts to...
2023-12-1840 minLaugh, Lend and Eat
Laugh, Lend and EatFrom Lending to Leading: The True Power of Social MediaJoin us for an insightful episode of "Laugh, Lend & Eat with Fobby Naghmi" as our guest Raquel Borras, helps us explore the world of social media and its impact on the mortgage industry. Raquel, a renowned social media manager for New American Funding, shares her unique journey and how she has shaped the industry's online presence. Raquel's personal mission to empower youth through her "Raq the Boat" initiative is truly inspiring. Don't miss out on this fun and lively discussion that will leave you with a fresh perspective on the power of social media.
2023-12-0648 minLaugh, Lend and Eat
Laugh, Lend and EatOpportunities in Challenge: AI, Teamwork, and the Path to ExcellenceJoin Fobby Naghmi, SVP of Homecomings Mortgage & Equity, as Craig Ungaro, COO of AnnieMac Home Mortgage, joins him. Explore the profound metamorphosis of the industry through the lens of AI and machine learning. Craig, a luminary in the field, unravels the power of AI to refine and accelerate underwriting processes, ushering in a new era of efficiency and reliability. Learn how machine learning isn't just advancing operations but is a harbinger of endless possibilities and hope. Listen as we delve into the fusion of sales and operations, taking cues from the dynamic teams at AnnieMac...
2023-11-0832 minLaugh, Lend and Eat
Laugh, Lend and EatDonuts, Deals, & Digital Calls w/ Madison KeenanIn this exciting episode of "Laugh, Lend, and Eat," hosts Fobby Naghmi and Madison Keenan delve into the world of mortgages while adding a touch of humor and a sprinkle of office pastry drama. Tune in as they unpack a novel approach to accountability in the digital age and share innovative strategies to distinguish oneself in the bustling real estate market. Episode Highlights: Zooming into Accountability: Discover the unique idea of silent Zoom calls designed to keep professionals accountable in a world where remote work is the new norm. Will it become the next...
2023-11-0136 minLaugh, Lend and Eat
Laugh, Lend and EatThe Power of Cash: AnnieMac's Home Buying SolutionGet ready for an exciting episode of "Laugh, Lend and Eat" as Fobby Naghmi, SVP of Homecomings Mortgage & Equity, takes us on a journey to discover the cutting-edge Cash2Keys program. With Fobby's expertise and insightful commentary, we'll learn why the Cash2Keys program is the way to go when it's time to buy a home, whether it's your first home or your next home. Joining Fobby are special guests Tom Bickett and Andy Craig, both esteemed members of the AnnieMac Home Mortgage team. Together, they embark on a journey...
2023-10-2534 minLaugh, Lend and Eat
Laugh, Lend and EatJay Doran: Leading with CultureDiscover the secrets to success and fulfillment by joining us for an illuminating conversation on Laugh, Lend, and Eat. Don't miss out on this opportunity to elevate your life as Fobby Naghmi, SVP of Homecomings Mortgage & Equity, is joined by Jay Doran, host of The Culture Matters Podcast and an organizational culture and leadership expert. Key Highlights: The Power of Communication: Discover why clear and honest communication aligns expectations and fosters understanding in any relationship. The Role of Culture: Delve into how culture acts as the heartbeat of an organization and why aligning...
2023-10-181h 17Laugh, Lend and Eat
Laugh, Lend and EatStudent Loans and the Housing Hustle: Navigating Financial WatersIn this episode of Laugh, Lend, and Eat with Madness, hosts Fobby Naghmi and Madison Keenan shed light on the intertwined realms of student loans and the housing market. As they meander through the discussions surrounding mortgage refinancing, rate fluctuations, and the impact of student loan repayments, they unveil how these financial elements dance in a delicate yet impactful fandango. Key Takeaways: Impact of Interest Rates: Understanding the flex and flux of interest rates and how they influence mortgage and student loan repayments. The psychology behind interest rates and how individuals perceive and react...
2023-10-0331 minLaugh, Lend and Eat
Laugh, Lend and EatUnlocking the Mortgage Mindset Insights with Phil Treadwell"Unlocking the Mortgage Mindset: Insights from Phil Treadwell" Episode Overview: In this riveting episode of Laugh Lend and Eat, hosts Fobby Naghmi and Madison Keenan sit down with Phil Treadwell, the founder of M1 Academy and the host of Mortgage Marketing Expert. The trio dives deep into the intricacies of the mortgage industry, discussing the importance of mindset, building trust, and the power of an abundance mentality. Mindset Matters: Phil emphasizes that mindset is not just a buzzword but the most crucial element that controls our attitude and actions. It's...
2023-09-3038 minLaugh, Lend and Eat
Laugh, Lend and EatFather Knows Best – Lessons in Sales, Humor, and Tik-TokJoin Fobby Naghmi, SVP of Homecomings Mortgage, and Madison Keenan of CrossCountry Mortgage in a riveting discussion between father-daughter duo Joe and Maddie. We get a behind-the-scenes look at how industry veterans and fresh talents view the landscape of sales, mortgage, and networking. It turns out the age-old saying "Father Knows Best" holds a significant value when you dive into the world of sales and relationship building. But don't let the generational gap fool you; the pair has more in common than you think. Both Joe and Maddie employ humor as a powerful tool in...
2023-09-0535 minLaugh, Lend and Eat
Laugh, Lend and EatLeadership Roundtable 2023: Navigating the Mortgage LandscapeFobby Naghmi, SVP of Homecomings Mortgage & Equity, hosts the first Leadership Roundtable with Corrina Carter of CMS Mortgage, Keith Canter of First Community Mortgage, and Gabe Gillen of Family First Funding, a division of AnnieMac Home Mortgage. Introduction In the vibrant world of mortgage and real estate, changes are constant. Industry leaders nationwide gathered on the popular podcast "Laugh, Lend & Eat" to discuss current trends, predictions, and insights into mortgage lending, home buying, and real estate investments. Here's a combined review of the four engaging segments: Mortgage Rates: Current mortgage rates...
2023-08-2346 minLaugh, Lend and Eat
Laugh, Lend and EatThe Power Of Creating Value: How To Thrive In Any MarketFobby Naghmi of Homecomings Mortgage & Equity hosts a LIVE episode with real estate coach Jeff Lobb of Sparktank Media. They dive into how mortgage loan officers are doing the same things expecting different results. INSANITY! As a mortgage professional or a real estate broker, you understand the importance of building strong relationships with realtors and attracting new business opportunities. In this blog, we delve into the power of creating value and how it can transform your business, enhance your reputation, and drive growth. Understanding the Importance of Value: Value goes beyond...
2023-08-0353 minLaugh, Lend and Eat
Laugh, Lend and EatFueling Success: Exercise and Nutrition in the Mortgage IndustryFobby Naghmi and Madison Keenan are joined by Cory Parker and Nicole McGonagle in a captivating conversation that highlights the importance of exercise, nutrition, and finding balance in the lives of mortgage professionals. In today's fast-paced world, where work, fitness, and overall well-being can be challenging to balance, mortgage professionals often find themselves immersed in a demanding work environment that takes a toll on their physical and mental health. There is a way to achieve harmony and prioritize self-care even in this environment. During the discussion, participants reveal how exercise plays a vital role in...
2023-07-2640 minLaugh, Lend and Eat
Laugh, Lend and EatNurturing Client-Friend Relationships: Insights from a Mortgage Loan OfficerIn the latest episode of "Laugh, Lend, Eat with Madness," Madison Keenan and Fobby Naghmi have a conversation that takes an introspective turn as they explore the profound impact of technology on society and the resulting fear it can evoke. Shifting gears, they delve into the mortgage industry, offering insights from Madison's perspective as a loan officer. Join us as we dive into the dynamic landscape of friendships and clients, where effective communication, genuine connections, and professional expertise intersect. Blurring the Lines: Friends and Clients As Madison reflects on her journey, she shares experiences where...
2023-07-1936 minLaugh, Lend and Eat
Laugh, Lend and EatEmbracing Your True Self on Social MediaJoin Fobby Naghmi & Madison Keenan to discuss how to be your true self on social media. Their guest this time is author, podcast host, and keynote speaker Coach Kyle Draper. This episode explores the dynamic world of social media. From embracing authenticity and personal growth to addressing the challenges of offense and intentional engagement, this summary encapsulates the key discussions and insights shared throughout the series. Summary: Throughout the series, Coach Kyle Draper emphasizes the importance of being true to oneself in the digital realm. The hosts encourage listeners to show up authentically, fostering genuine connections with t...
2023-07-1148 minLaugh, Lend and Eat
Laugh, Lend and EatThe Secret Sauce For The Current Housing Market: The Buy Now, Sell Later ProgramIn this inaugural episode of "Laugh, Lend and Eat: Soy Latino," Vince Caicedo and Fobby Naghmi set the stage for a vibrant and informative podcast dedicated to serving the Spanish-speaking mortgage professional community. They share their passion for the Spanish language, discuss the challenges of the real estate market, and introduce innovative programs such as "Buy Now, Sell Later." With Homecomings Mortgage's bilingual team and commitment to inclusive and diverse representation, this podcast promises to be an invaluable resource for Spanish-speaking listeners seeking to grow their careers in the mortgage industry.
2023-07-0520 minLaugh, Lend and Eat
Laugh, Lend and EatFrom Madness to Success: A Mortgage JourneyIntroduction: Welcome to another edition of "Laugh, Lend, and Eat" with the one and only Madison Keenan and Fobby Naghmi of Homecomings Mortgage &Equity. In this episode, Madison reflects on her experiences in the mortgage industry, discusses the challenges she faces, and acknowledges her growth and achievements over the past few years. Join us as we delve into the intricacies of time management, maintaining client relationships, and finding gratitude amidst the ups and downs of the industry. Finding Balance in the Chaos: Madison kicks off the conversation by acknowledging the hectic nature of her w...
2023-06-2137 minLaugh, Lend and Eat
Laugh, Lend and EatThe Real Realtors of New Jersey 2023 Join Fobby Naghmi, Madison Keenan, and the Real Realtors of New Jersey, Gina Scodella and Kristina Hajhassan, as they dive into the gripping world of real estate stories, and the Real Realtors open up as they recount their most challenging experiences in today's unpredictable market. Prepare to be immersed in tales of intense competition, soaring prices, and bidding wars that have become the new normal in the industry. These agents have seen everything from properties originally designed as summer rentals now commanding outrageous prices to frustrated buyers and sellers caught in the frenzy. Communication breakdowns take center stage as...
2023-06-0744 minLaugh, Lend and Eat
Laugh, Lend and EatFrom Housing Trends to Personal Growth w/ Joe PanebiancoWelcome to another captivating episode of the Laugh, Lend & Eat podcast! In today's show, we embark on a remarkable journey with our special guest, Joe Panebianco, CEO of AnnieMac Home Loans. Join our host, Fobby Naghmi, as he explores the fascinating world of housing market trends, personal growth through stoicism, and the power of giving back to the community. Get ready to be inspired and motivated as we uncover the key takeaways from Joe's transformative story. Fobby sets the stage by addressing the prevalent housing crunch and the shortage of available inventory in the market. He highlights...
2023-05-3141 minLaugh, Lend and Eat
Laugh, Lend and EatUnconventional Wisdom: Carl White's Perspective on SuccessIn this episode of Laugh, Lend & Eat, our host Fobby Naghmi is joined by the founder of Mortgage Marketing Animals, Carl White. Carl shares his unconventional but highly effective strategies for success in the mortgage industry. Through his straightforward and no-nonsense approach, Carl emphasizes the importance of building relationships, leveraging realtor referrals, and focusing on proven methods rather than chasing social media trends. Let's delve into the key takeaways from this insightful conversation. Redefining Failure and Embracing Testing: Carl believes that redefining how we perceive failure is crucial. By considering unsuccessful attempts as learning...
2023-05-2449 minLaugh, Lend and Eat
Laugh, Lend and EatLLPAs, Women's Finances, and Real EstateJoin Fobby Naghmi as he learns from Madison Keenan an eye-opening statistic about women and credit card debt. Women tend to have higher credit card debt than men, and it's a problem that needs to be addressed. Madison was shocked to learn that women couldn't even open a credit card until 1974, highlighting the systemic undereducation of women in finances. But don't despair! The hosts offer a glimmer of hope with some excellent resources to empower women. As mortgage industry professionals, Fobby and Madness have a wealth of experience and knowledge to share, and they don't disappoint in...
2023-05-0437 minLaugh, Lend and Eat
Laugh, Lend and EatRewriting the Job Search Rulebook: Tips for Making Bold Career MovesWhat is the risk of staying in your current job? Is it courage or faith that pushes us to leap into the unknown? In today's rapidly changing job market, career decisions can be daunting. Get ready to make informed career decisions with hosts Fobby Naghmi and Michael David Chapman on the latest episode of "Beyond the Numbers." Here are the highlights of this engaging and informative episode: Risk Versus Reward One of the biggest challenges people face when considering a job change is weighing the potential risks versus the rewards...
2023-03-2831 minLaugh, Lend and Eat
Laugh, Lend and EatHumanizing Digital Communication with Darin Dawson of BombBombJoin Fobby Naghmi as he interviews Darin Dawson, the President and Co-Founder of BombBomb, the groundbreaking video messaging platform. In this engaging conversation, Darin shares how he and his co-founder Conor McClusky started BombBomb in 2006, revolutionizing how businesses connect with their potential customers. Darin describes how BombBomb enables personalized video messages to be sent to potential clients without interrupting them with intrusive calls and emails. With BombBomb, businesses can send engaging video messages that build trust and relationships with their clients while maintaining the human element often lost in digital communication. The company's name came...
2023-03-2142 minLaugh, Lend and Eat
Laugh, Lend and EatThe Power of Execution: Sales Strategies and Social Media Insights w/ Jeff LobbIn this episode of Laugh, Lend & Eat, host Fobby Naghmi and guest Jeff Lobb, founder, and CEO of Sparktank Media, share an inspiring conversation that will leave listeners motivated and optimistic about their goals and dreams. The episode covers various topics relevant to anyone who wants to succeed in any industry, particularly in the real estate industry. Lobb shares his insights on the importance of transparency and how he helps real estate agents navigate market shifts and overcome anxiety and stress. One of the key takeaways from the episode is the importance of execution and...
2023-03-1535 minLaugh, Lend and Eat
Laugh, Lend and EatMadness' Tips For Boosting Your Credit ScoreFobby Naghmi and Madison Keenan celebrate the first anniversary of Madison joining the Laugh, Lend & Eat team. Madison shares some tips on how she helps her borrowers increase their credit scores, including: Keeping credit card balances low and paying them off in full each month Disputing any errors on their credit reports Keeping old credit accounts open to maintain a longer credit history Limiting the number of credit applications and inquiries they make Making all payments on time, including rent and utilities. They discuss manicures and how they can reflect a Jersey girl's week. As...
2023-03-0836 minLaugh, Lend and Eat
Laugh, Lend and EatAt The Intersection of Media and Mortgages w/ Clayton CollinsEpisode Summary In today’s episode, we’re joined by Clayton Collins, Founder and CEO of HW Media. We get into the state of the current housing market, the purpose of lawsuits in the industry, HW media’s digital-first newsroom, and use ChatGPT.  Our guest, Clayton Collins, is the CEO of HW Media. He leads HW Media’s corporate strategy and content roadmap while building a world-class team of business media professionals. He is also a managing partner of Riomar Capital, an entrepreneurial investment firm that acquired HousingWire in 2016.  Before finding Riomar Capital, Collins worked in the mer...
2023-02-2843 minLaugh, Lend and Eat
Laugh, Lend and EatThe Hiring Process is Broken!Welcome to an exciting episode of our podcast, where we are joined by the incredible Michael David Chapman, Co-Founder of LeadIn Social. Get ready to buckle up and join us as we dive into intriguing topics! Have you ever heard the phrase "under-promise, over-deliver"? We explore the intentions behind this strategy and whether it's considered false advertising. And let's remember the negative effects of false pride when it comes to underpromising. Are you someone who struggles with the hiring process? Fear not; we have valuable insights on interview etiquette, bad hires, and verified information. You'll...
2023-02-2238 minLaugh, Lend and Eat
Laugh, Lend and EatMadness' Blueprint for Attracting RealtorsIn today’s episode of LLE with Madness, we get into the new year’s rates, realtors competing with Zillow’s partners, offering social media courses for realtors, the importance of adding extra value to your services, and Madison goes on a rant about crazy borrowers.  Topics Discussed  • [04:11] The Federal Reserve did not raise the rate.  • [06:40] Madison’s realtor partners.  • [09:30] Competing with Zillow partners.  • [10:54] Social media courses for realtors.  • [17:43] What can realtors do?  • [21:25] Madison’s crazy borrower rant.  • [29:56] Signing off episode 10.  ...
2023-02-0731 minLaugh, Lend and Eat
Laugh, Lend and EatUnexpectedly Unemployed: The Reality of DownsizingLots of us are in toxic relationships with the mortgage industry. We’re loyal beyond reason to our jobs, yet we can be laid off without notice. At the same time, they’re laying people off; companies are making 7 and 8-figure acquisitions and onboarding 100s of new people. This episode is about breaking your pact of unreciprocated loyalty with your company and finding ways to use your skills to transfer out of the mortgage industry. We explore how to downsize ethically and what to do after being downsized through the real layoff stories of 3 professionals in the mort...
2023-01-3145 minLaugh, Lend and Eat
Laugh, Lend and EatNo Company is PerfectDo we have perfect companies? Companies that people are happy to work for every day of the year. Probably, we have some. There is a common narrative where people say, “I love working with X company, but you know no company is perfect.”  The big question is, are people okay with working for companies they believe are not even working toward perfection? Is just settling there the only option they have? According to Fobby Naghmi, Divisional President of Homecomings Mortgage & Equity, the last thing he would want to hear any of the people he wo...
2023-01-1836 minLaugh, Lend and Eat
Laugh, Lend and EatBrand Strategy 2023On this episode of Laugh, Lend & Eat, your host Fobby Naghmi has a very special guest, Dalila Ramos, the creator of the very popular "Taco Tuesday." Today we'll be discussing the importance of having a brand strategy. First, let's start by explaining what a brand strategy is. A brand strategy is a long-term plan to develop a successful brand to achieve specific goals. It includes the brand's mission, values, and positioning in the market. Now, let's get into the top reasons why a brand strategy is essential. A brand strategy helps to...
2023-01-0537 minLaugh, Lend and Eat
Laugh, Lend and EatMadness' 2022 Wrap Up EditionEpisode Summary  In today’s episode of LLE with Madness, we get into how this show all got started, calling in instead of out, our experiences with grief, Madison’s greatest year in business, and our recap of Madness 2022.  Topics Discussed  • [04:00] How this all started.  • [08:06] Madison’s biased and unbiased favorite episodes.  • [10:02] Keeping the momentum in 2022.  • [12:30] Becoming unlimited.  • [15:05] Calling in.  • [16:55] Dealing with grief.  • [20:05] Blending passion with purpose.  • [24:24] Recap of 2022.  • [27:28] Wrapping up.  Key Takeaways  • “Life is happeni...
2022-12-2828 minLaugh, Lend and Eat
Laugh, Lend and EatHow to deal with grief in the professional worldIn today’s episode, we’re joined by Michael David Chapman, Co-Founder of LeadIn Social. We get into Grief and trauma, the truth about the ego, juggling business with Grief, and acknowledging the full spectrum of Grief. Topics Discussed · [03:08] Grief and trauma. · [08:30] Unbending the ego. · [12:49] Juggling business with Grief. · [21:48] The full spectrum of Grief. Key Takeaways · “Your ego is not the problem. It’s your unbent ego.” · “[Grief is] not just a loss, but a recognized loss.” · “You can’t solve a problem you don’t know...
2022-12-2031 minLaugh, Lend and Eat
Laugh, Lend and EatMadness' Thanksgiving 2022 EpisodeIt’s Thanksgiving with the Laugh, Lend and Eat show. Fobby Naghmi of Family First Funding wants to show his gratitude to Madison Keenan of Annie Mac Mortgage and producer John Perry. But somehow misses that point in the beginning. The good news is that all can feel gratitude and friendship by the show’s end! Topics Discussed · [01:25] Does anyone listen to the radio? · [02:53] Madness is the oldest of 5 siblings. · [06:30] Inflation has peaked · [09:47] Give thanks at the dinner table · [11:07] Madness’ first Thanksgiving without her grandmother · [13:44] Funeral Pota...
2022-11-2227 minLaugh, Lend and Eat
Laugh, Lend and EatBuilding Relationships, Not Selling A ProductIn today’s episode of LLE with Madness, we get into the Federal Reserve’s plan to combat inflation, the conspiracy around the Federal Reserve, 2-1 buydowns in today’s market, why properties should be treated as investments, and we announce Podapalooza. Topics Discussed · [01:10] The Federal Reserve is at it again. · [03:57] The Federal Reserve conspiracy. · [05:54] What to tell a loan officer. · [08:28] 2-1 buydowns today. · [12:08] Flex on the Gram. · [15:08] Treating a property as an investment. · [20:19] How’s Madness doing in this market? · [23:21] Why do realtors...
2022-11-0932 minLaugh, Lend and Eat
Laugh, Lend and EatThe Real Realtors of New Jersey: Take 2Episode Summary In today’s episode, we’re joined by Darcy Reynolds, Team Growth Manager at Streamlined Properties On-Market, Gina Scodella, Real Estate Agent at Keller Williams Shore Properties, and Kristina Hajhassan, Realtor at Remax. We get into the recent rate increases, educating buyers, guidelines and overlays, inventory, seller expectations, cash buyers, and heading into the “new normal” market. Topics Discussed · [02:16] Borrowers no longer qualify due to the rate increase. · [09:03] Pre-approved buyers. · [11:34] Educating buyers. · [12:56] Overlays. · [14:40] Staying in your lane. · [19:14] Inventory. · [20:44] The seller’s expect...
2022-10-2548 minLaugh, Lend and Eat
Laugh, Lend and EatLaughter Is The Best MedicineEpisode Summary In today’s episode, Fobby Naghmi and Madison Keenan are joined by Johnny Di Domenico, an American actor, comedian, and writer best known for his award-winning impersonation of Donald Trump, Austin Powers, Jay Leno, and many more! The conversation goes through Johnny’s upbringing outside of Philadelphia to his coming to NYC and tackling new challenges. Madison engages with Johnny by asking questions that connect the mortgage industry to that of life as a comedic actor. Key Takeaways Fobby claims he is like a “Velcro Fob”; every lawsuit sticks to him St...
2022-10-1836 minLaugh, Lend and Eat
Laugh, Lend and EatMeet The UnderwritersEpisode Summary In today’s episode, Fobby Naghmi is joined by Clayton Jones, VP of Credit Risk-Mortgage at First Option Mortgage,  Mark Thomas, EVP at Truly Mortgage, a division of Amerifirst Financial Inc, and Phil Brousseau, SVP of TPO Underwriting at EPM. We get into the future of the mortgage industry using social media, the human aspect of underwriting, maintaining diligence, and some of the craziest files received throughout their careers. Key Takeaways · “Sometimes a quick ‘no’ is the best response.” · “Breaking a habit requires energy, so we all resist because we don’t want t...
2022-10-0442 minLaugh, Lend and Eat
Laugh, Lend and EatThe Federal Reserve Does It Again!Madison "Madness" Keenan of AnnieMac Mortgage shares her concerns about the current mortgage market with Fobby Naghmi of First Option Mortgage. While the increasing rates don't scare her, her concerns are more about the consumers and that they are not changing their spending habits.  Madison's advice to potential homebuyers is:  1) Don't buy a new  car 2) Don't open new lines of credit 3) Keep your credit card balance to 50% of the maximum limit This advice spurs a quick debate between the two. Fobby questions if Madison may be asking too much of...
2022-09-2730 minLaugh, Lend and Eat
Laugh, Lend and EatWhat You Need To Know About Renovation LoansFobby Naghmi, host of Laugh, Lend and Eat, talks with Vince Nepolitan, National Renovation Sales Manager for EPM Wholesale.  The two first met in 2018 when the same mortgage lender employed them.  Fobby made a point of saying the "other lender that shall not be named."  This was meant to tell Vince not to mention that company's name for whatever reason! Why Belief Matters The conversation moved to Vince's current company, EPM Wholesale, and the fact that Vince believes in EPM and is reciprocated back to Vince.   Having a belief in your work life is a...
2022-09-2432 minLaugh, Lend and Eat
Laugh, Lend and EatMadness Need a Technology DetoxWelcome to another episode of Laugh, Lend, and Eat, MADNESS, our host, Fobby Naghmi, National Sales Manager for First Option Mortgage, and co-host, Madison "Madness" Keenan, loan officer for AnnieMac Home Loans. The discussion revolves around loan officers going to borrower's closings, and Madness surprises Fobby by telling him she is not a fan of technology. Madness likes to Jaywalk We start the episode by finding out that Madness can't help herself and breaks the state's law by consistently jaywalking around town. While this is amusing, Fobby recalls a past loan officer that received a...
2022-09-0627 minLaugh, Lend and Eat
Laugh, Lend and EatMortgages & MindfulnessIn this episode, Fobby Naghmi,  the Nat'l Sales Manager for First Option Mortgage, and Madison Keenan, loan officer for AnnieMac Mortgage, discuss how being mindful daily gives them more energy and clarity throughout the day. Mortgages and Mindfulness  KEY NUGGETS:  [01:47] Teaching mindfulness in prison at 19  [05:37] Mind Mortgage and how it was born  [08:37] Mindfulness as a buzzword in our culture  [11:21] Going from yoga to mortgages  [14:10] How to stay grounded when rates go up and business slows down  [16:54] Mindfulness Vs. work-life balance  [22:55] Finding meaning i...
2022-08-2746 minLaugh, Lend and Eat
Laugh, Lend and EatMadness Goes To The 20/20 Vision Summit 2022Fobby Naghmi, National Sales Manager for First Option Mortgage is joined by his co-host Madison "Madness" Keenan of AnnieMac Home Mortgage. Madness goes to Tampa, FL to be part of the 20/20 Vision Summit.  Being at this summit for the 2nd year in a row, Madness was better prepared for the experience and was able to expand her network, like meeting Fobby for the first time in person!  Selfies were taken, but Fobby and Madness both felt they could have done a better job with taking pictures....maybe next year! Madness walks us through her airport ex...
2022-07-1241 minLaugh, Lend and Eat
Laugh, Lend and EatProducing Managers & The 3-Legged StoolKEY NUGGETS: [02:21] Why First Option is a sales-oriented and not an ops-orientated company [08:30] Challenges that producing managers face and how to create your wins [11:27] How to put your team's priority above your priority as a producing manager [14:12] How to find balance and calm in stressful situations [18:33] Why mishandling a deal due to lack of communication is costly [20:54] How to balance the three-legged stool for producing managers [27:50] The importance of getting someone or something to be the third leg [34:37] The importance of asking for...
2022-07-0542 minLaugh, Lend and Eat
Laugh, Lend and EatFederal Reserve Raises The Rate Leaving Buyers ConfusedFobby Naghmi, National Sales Manager for First Option Mortgage is joined by his co-host Madison "Madness" Keenan of AnnieMac Home Mortgage. In order to fight inflation, the Federal Reserve raised key interest rates by 0.75%.   While this may have some positive effect on the economy, Madison is discovering that her pre-qualified borrowers are more confused than they were when they were overbidding on houses!   Their hesitation is based on fear of what if the price of the homes decreases after the closing?? The good news for Madison is that Fobby's 28 years of experience allows for...
2022-06-2730 minLaugh, Lend and Eat
Laugh, Lend and EatLLE Biographies: It Doesn't Matter Where Your Story Starts_Part 1 of 2Fobby Naghmi, National Sales Manager for First Option Mortgage, is joined by his friend Christine Beckwith, Founder and CEO of 20/20 Vision For Success Coaching.  In their first interview in 2019, Christine told Fobby, "It doesn't matter where your story starts," and those words have since inspired him.  We find that Christine came from humble beginnings, being the middle child of three sisters.  Their parents were married at a young age, and while it may have seemed they lacked in so many material niceties to the outside world, it was not so.   The parents raised their three girls...
2022-06-1434 minLaugh, Lend and Eat
Laugh, Lend and EatThe Real Realtors of New JerseyEpisode Summary In today’s episode, we’re joined by Darcy Reynolds, Team Growth Manager at Streamlined Properties On-Market, Gina Scodella, Real Estate Agent at Keller Williams Shore Properties, and Kristina Hajhassan, Remax Realtor and Real Estate Investor. We get into social media marketing, Madison forgets her slogan, we remember our craziest clients, and we worry about the price of gas. Topics Discussed • [02:42] The use of social media in real estate. • [11:03] Using different social media styles. • [16:07] The slowdown in the market. • [22:27] How realtors come up with uplifting adjectives.
2022-06-0749 minLaugh, Lend and Eat
Laugh, Lend and EatHousing market is still hot with higher interest rates!!In this episode, Madison Keenan of AnnieMac Home Mortgage discusses the challenges she is still facing in light of higher mortgage interest rates and multiple bids on existing homes on the market.   Overbidding has been an issue over the past few years, and while the mortgage interest rates were low, it was ok.  But when higher rates make it harder for potential homebuyers to qualify for a loan program, overbidding just further compounds the qualification process.  Fobby Naghmi does his best to share his 28 years of experience with his co-host.   - Finding realtors that...
2022-05-2627 min