When the market gets tough, most originators feel pressure. But Barry Habib knows what it means to face something far bigger than a tough market — and still show up with strength, clarity, and optimism.

In this episode of The 360 Experience podcast, Barry joins Tim to talk about the mindset that carried him through his recent cancer battle…and how those same principles apply to the way we operate as mortgage professionals today. They also dive into his outlook for rates, inflation, and why he believes 2026 could be a very prosperous year for prepared originators.

Top Takeaways for Loan Officers:

1️⃣ How Barry stayed mentally strong through the darkest moments of his cancer battle — and how that same inner strength applies to your business and your production

2️⃣ Why some loan officers really struggled in 2025 while others quietly built one of the best years of their careers

3️⃣ Barry’s outlook for 2026 — rates, refis, MI opportunities, and the return of movement in the housing market

This episode is a reminder that our work as loan officers isn’t just about production or pipelines, but about how we show up when things get difficult…for our clients, our families, and ourselves.

ABOUT TIM BRAHEEM

With more than 25 years of experience as a highly successful mortgage professional, industry leader, educator, and life coach, Tim Braheem is committed to engaging with people on a deep level and helping them uncover the barriers they have placed in the way of having the level of success they deserve in both their business and personal lives.

FOLLOW

Instagram ► https://www.instagram.com/tbraheem/

LinkedIn ► https://www.linkedin.com/in/timbraheem

THE LOAN ATLAS

JOIN ► https://go.theloanatlas.com/membership

FOLLOW

Instagram ► https://www.instagram.com/theloanatlas/

YOUTUBE ► https://www.youtube.com/@LoanAtlas

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Starting a mortgage career is hard enough. Starting in your late 40s—with no industry background—and still becoming a $100M producer by year three?

That’s the story of Larry Gonzales, and it’s one every loan officer who wants to grow their mortgage business should hear. This episode breaks down the mindset, networking strategies, and niche loan products that helped Larry win in one of the most competitive real estate markets in the country.

Larry isn’t doing it with magic leads or gimmicks. He’s doing it with old-school fundamentals and ruthless consistency updated for the modern market. You’ll hear how he went from “brand new LO nobody knew” to the VA and Non-QM go-to on Oahu, the “digital mayor” of his market, and a relentlessly disciplined operator who’s built a life and business that actually feel good to live in.

Top Takeaways for Loan Officers:

1️⃣ How Larry hired support early, stopped processing his own loans, and focused his time on what actually moves the needle: shaking hands, kissing babies, status calls to listing agents, and being seen in the community—online and offline.

2️⃣ The exact rhythm for weekly content: market updates, MBS Highway data, local Board of Realtors stats, and short educational reels. Plus, how to hire a VA team that repurposes one 15–20 minute video into a week’s worth of social content and newsletter touchpoints.

3️⃣ The 4:00 AM routine, journaling, gratitude, and planning rituals that keep top producers sharp, and how Larry expanded from VA specialist into Non-QM, DSCR, bank statement, and foreign national loans—plus how he uses stories and lunch & learns so Realtors and CPAs actually know what he can solve.

Books Mentioned in This Episode

Becoming Supernatural: How Common People are Doing the Uncommon – Dr. Joe Dispenza

Ninja Selling – Larry Kendall

Givers Gain: The BNI Story – Dr. Ivan Misner

ABOUT TIM BRAHEEM

With more than 25 years of experience as a highly successful mortgage professional, industry leader, educator, and life coach, Tim Braheem is committed to engaging with people on a deep level and helping them uncover the barriers they have placed in the way of having the level of success they deserve in both their business and personal lives.

FOLLOW

Instagram ► https://www.instagram.com/tbraheem/

LinkedIn ► https://www.linkedin.com/in/timbraheem

THE LOAN ATLAS

JOIN ► https://go.theloanatlas.com/membership

FOLLOW

Instagram ► https://www.instagram.com/theloanatlas/

YOUTUBE ► https://www.youtube.com/@LoanAtlas

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If you feel like you’re working twice as hard for half the results, it’s not the market holding you back. It’s the inner work you haven’t done yet.

In this solo episode of The 360 Experience podcast, Tim Braheem takes you deep into the real engine behind every originator’s success: the 60,000–90,000 thoughts they think each day, and the emotions and energy those thoughts create.

So many loan officers struggle with call reluctance, fear of rejection, perfectionism, people-pleasing, and burnout. Tim explains why these patterns have nothing to do with scripts or skill, and everything to do with old belief systems running silently in the background.

This is the inner game behind the outer results.

Top Takeaways for Loan Officers:

1️⃣ Why 80–90% of your thoughts today are the same ones you had yesterday, and how those loops directly influence production, relationships, and mindset.

2️⃣ How survival patterns formed early in life (perfectionism, people-pleasing, avoiding conflict) become hidden blockers in business, and how to rewire them.

3️⃣ A practical framework for creating space between stimulus and response so you stop reacting, start responding, and lead from a calm, grounded, high-energy state.

Links to purchase the books Tim Mentioned:

The Big Leap by Gay Hendricks

Man's Search for Meaning by Viktor Frankl

ABOUT TIM BRAHEEM

With more than 25 years of experience as a highly successful mortgage professional, industry leader, educator, and life coach, Tim Braheem is committed to engaging with people on a deep level and helping them uncover the barriers they have placed in the way of having the level of success they deserve in both their business and personal lives.

FOLLOW

Instagram ► https://www.instagram.com/tbraheem/

LinkedIn ► https://www.linkedin.com/in/timbraheem

THE LOAN ATLAS

JOIN ► https://go.theloanatlas.com/membership

FOLLOW

Instagram ► https://www.instagram.com/theloanatlas/

YOUTUBE ► https://www.youtube.com/@LoanAtlas

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