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The Brutally Honest Loan Officers: The Unfiltered Mortgage Minds

The Brutally Honest Loan Officers: The Unfiltered Mortgage Minds

By: Stephen Brock and Derick Brown
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 ”The Brutally Honest Loan Officers: The Unfiltered Mortgage Minds” is a refreshingly candid podcast hosted by two seasoned mortgage lenders, Stephen Brock NMLS 1926015 and Derick Brown NMLS 1640146, from The Mortgage Firm. This podcast cuts through the jargon and complexity of the mortgage industry, offering unfiltered insights and straightforward advice. Each episode delves into the often-overlooked aspects of mortgage lending, from navigating market trends to understanding credit scores. Our hosts bring their extensive experience and a touch of humor to demystify the mortgage process for consumers and realtors alike. Whether you’re a first-time homebuyer, a seasoned investor, or a real estate professional seeking to enhance your knowledge, this podcast is your go-to source for honest, actionable mortgage wisdom. Join us as we break down the walls of the lending world, one truth at a time. The Mortgage Firm NMLS 189233 Equal Housing Lender NC License # I-219794 CONSUMERS WISHING TO FILE A COMPLAINT AGAINST A MORTGAGE BANKER OR A LICENSED MORTGAGE BANKER RESIDENTIAL MORTGAGE LOAN ORIGINATOR SHOULD COMPLETE AND SEND A COMPLAINT FORM TO THE TEXAS DEPARTMENT OF SAVINGS AND MORTGAGE LENDING, 2601 NORTH LAMAR, SUITE 201, AUSTIN, TEXAS 78705. COMPLAINT FORMS AND INSTRUCTIONS MAY BE OBTAINED FROM THE DEPARTMENT’S WEBSITE AT WWW.SML.TEXAS.GOV. A TOLL-FREE CONSUMER HOTLINE IS AVAILABLE AT 1-877-276-5550. THE DEPARTMENT MAINTAINS A RECOVERY FUND TO MAKE PAYMENTS OF CERTAIN ACTUAL OUT OF POCKET DAMAGES SUSTAINED BY BORROWERS CAUSED BY ACTS OF LICENSED MORTGAGE BANKER RESIDENTIAL MORTGAGE LOAN ORIGINATORS. A WRITTEN APPLICATION FOR REIMBURSEMENT FROM THE RECOVERY FUND MUST BE FILED WITH AND INVESTIGATED BY THE DEPARTMENT PRIOR TO THE PAYMENT OF A CLAIM. FOR MORE INFORMATION ABOUT THE RECOVERY FUND, PLEASE CONSULT THE DEPARTMENT’S WEBSITE AT WWW.SML.TEXAS.GOV.Copyright 2023 All rights reserved. Economics
Episodes
  • It’s Tax Season — What Should You Actually Do With Your Tax Refund

    It’s Tax Season — What Should You Actually Do With Your Tax Refund
    Jan 26 2026

    Tax season is here — and if you're getting a refund, you're probably wondering what to actually do with it. In this episode of The Brutally Honest Loan Officers Podcast, Stephen and Derick break down how to use your tax refund wisely — whether you're paying off high-interest credit cards, saving for a down payment, or planning to buy a home in 2026. We’ll cover: • Why a big refund isn’t always a good thing • How adjusting your tax withholding can boost your monthly cash flow • Smart ways to use a tax refund for debt reduction or homeownership • The truth about mortgage interest deductions • Why you should never spend money just for a write-off • Tips for W2 earners who want to reduce taxable income like self-employed pros 💡 Whether you’re a first-time buyer, homeowner, or just trying to make smarter financial moves, this episode is packed with real-world mortgage and money advice you won’t get from TikTok.
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    35 mins
  • Real Talk on Real Estate with Alyssa Guillermo

    Real Talk on Real Estate with Alyssa Guillermo
    Jan 20 2026

    In this episode of The Brutally Honest Loan Officers Podcast, Stephen and Derick sit down with Alyssa Guillermo, a real estate agent with over three years of experience, to talk about what real estate really looks like behind the scenes.

    Alyssa shares her journey from the hospitality industry into real estate, the financial and mental challenges of her first year, and why experience matters more than hype in this business. Together, they unpack the myths created by social media and reality TV, and what it actually takes to build a sustainable, relationship-driven real estate career.
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    1 hr and 10 mins
  • Big Headlines, Big Ideas — Are These Affordability Fixes Actually Fixing Anything?

    Big Headlines, Big Ideas — Are These Affordability Fixes Actually Fixing Anything?
    Jan 13 2026

    Are these “solutions” actually solving anything? In this episode of The Brutally Honest Loan Officers Podcast, Stephen and Derick break down the biggest headlines in housing and finance — and give their unfiltered take on what these changes mean for real buyers and homeowners.

    ▶️ We cover: • The $200 billion MBS buy from Fannie & Freddie • 50-year and portable mortgage proposals • Banning institutional investors from buying homes • The proposed 10% cap on credit card interest rates • Jerome Powell’s DOJ investigation …and the real trade-offs behind each one.

    No spin. No sales pitch. Just honest insights on what actually matters.
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    30 mins
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