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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
  • Reacting to Your Spiciest Comments – Brutally Honest Style

    Reacting to Your Spiciest Comments – Brutally Honest Style
    Dec 8 2025

    We read the comments… and we’ve got thoughts.

    In this episode of The Brutally Honest Loan Officers Podcast, Derick and Stephen respond to some of your hottest takes, misconceptions, and truth bombs — straight from the comments section of their videos.

    They break down:

    • Whether banks are really cheaper than mortgage companies

    • A killer real-life equity story that proves why homeownership works

    • The brutal truth about over-renovating your home

    • And why Grant Cardone’s “never buy real estate” advice is complete garbage (especially since he buys ALL the real estate himself)

    From misinformation to mic drops, we’re breaking it all down — and keeping it brutally honest.
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    28 mins
  • Why You Can’t Take Your Mortgage With You (But Other Countries Can)

    Why You Can’t Take Your Mortgage With You (But Other Countries Can)
    Dec 2 2025

    Could portable mortgages be the answer to our locked-up housing market? In this episode of The Brutally Honest Loan Officers Podcast, Derick and Stephen dive into the idea of portable mortgages — loans you can take with you when you move — and why they’re used in other countries but not in the U.S.

    They break down:

    • What portable mortgages actually are (and how they work)

    • The potential benefits: mobility, affordability, inventory relief

    • The big challenges: secondary market resistance, investor rules, and lender risk

    • What would really need to change for this to happen in the U.S.

    If you’ve ever asked, “Why can’t I keep my 3% mortgage when I move?” — this episode explains it all. It’s a smart, eye-opening look at how our mortgage system actually works… and what it would take to evolve it.
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    23 mins
  • Gratitude > Grind: Why Thankfulness Wins in Life and Business

    Gratitude > Grind: Why Thankfulness Wins in Life and Business
    Nov 25 2025

    In this heartfelt episode, they talk about: ✅ The personal moments that keep them grounded ✅ What it means to lead with gratitude in a stressful industry ✅ Why family, friends, and community always come first ✅ The clients, partners, and listeners who make it all worth it ✅ How gratitude reframes even the toughest seasons in life
    Show More Show Less
    24 mins
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