Pavan Agarwal

work yeah right which is consistency uh following up with your clients staying in you know making yourself relevant marketing yourself differentiating yourself right the basics of any business right this is what made you successful and makes all the businesses you own successful because they spend so much time defining who they are and communicating that And that's the key for a loan officer.

work yeah right which is consistency uh following up with your clients staying in you know making yourself relevant marketing yourself differentiating yourself right the basics of any business right this is what made you successful and makes all the businesses you own successful because they spend so much time defining who they are and communicating that And that's the key for a loan officer.

You have to define who you are. You have to communicate that. You have to have continuous, clear communication with your clients. Pick up the phone, answer those emails, read every email, understand it, pay attention, be a professional, right? It's hard work. And it's, you know, 12, 18 hours a day of nonstop work. And that's how you become a top producer.

You have to define who you are. You have to communicate that. You have to have continuous, clear communication with your clients. Pick up the phone, answer those emails, read every email, understand it, pay attention, be a professional, right? It's hard work. And it's, you know, 12, 18 hours a day of nonstop work. And that's how you become a top producer.

And in this market, there's top producers and there's no producers. There's nothing in between, right? And so, you know, just you got to get out of the delusion that there's easy money anywhere. There's no such thing as easy money, right? Once in a while you get lucky, like a bunch of loan officers got lucky in, you know, 2020, 2021. But that, you know,

And in this market, there's top producers and there's no producers. There's nothing in between, right? And so, you know, just you got to get out of the delusion that there's easy money anywhere. There's no such thing as easy money, right? Once in a while you get lucky, like a bunch of loan officers got lucky in, you know, 2020, 2021. But that, you know,

Some people just got in the business that time, just timed it right, got in and made a lot of money and got out. That's like winning the lottery. But in life, most of the money is made by just staying consistent and just keep doing it and keep doing the hard work and then just wait. for the, you know, when it rains, just wait for it to rain and then you catch all you can at that point.

Some people just got in the business that time, just timed it right, got in and made a lot of money and got out. That's like winning the lottery. But in life, most of the money is made by just staying consistent and just keep doing it and keep doing the hard work and then just wait. for the, you know, when it rains, just wait for it to rain and then you catch all you can at that point.

Yeah, that's a great question. So, you know, like I said, the first AI, you know, fully driven AI loan product that we did was in 2018. And in 2018, you know, my concept for what we're doing has always been like since like mid 2000, I saw that the only real future is chat. And because I looked at my kids, my kids don't wanna be on the phone. They don't wanna do anything.

Yeah, that's a great question. So, you know, like I said, the first AI, you know, fully driven AI loan product that we did was in 2018. And in 2018, you know, my concept for what we're doing has always been like since like mid 2000, I saw that the only real future is chat. And because I looked at my kids, my kids don't wanna be on the phone. They don't wanna do anything.

They communicate everything through chat. And I said, whatever the kids are doing,

They communicate everything through chat. And I said, whatever the kids are doing,

that's what's that's the reality that's the reality that's what's going to be right and so my whole my whole vision of this was i want a consumer to go in and talk to my system through chat and get everything done on a chat interface right so i i was always we've been building that out um and and it's complicated to do something as as

that's what's that's the reality that's the reality that's what's going to be right and so my whole my whole vision of this was i want a consumer to go in and talk to my system through chat and get everything done on a chat interface right so i i was always we've been building that out um and and it's complicated to do something as as

as data intensive as a mortgage and and as complex and and and so many things can go wrong in that process to do it entirely by chat is very hard and very complicated so uh and then so we roll this out in 2018 when and then we were laughed at because that was back when um you know facebook's metaverse was going to take over like everyone everyone's like what are you doing chat is is old stuff old technology what are you guys doing investing so much money in chat

as data intensive as a mortgage and and as complex and and and so many things can go wrong in that process to do it entirely by chat is very hard and very complicated so uh and then so we roll this out in 2018 when and then we were laughed at because that was back when um you know facebook's metaverse was going to take over like everyone everyone's like what are you doing chat is is old stuff old technology what are you guys doing investing so much money in chat

when everyone thinks everyone's headed to 3D virtual reality. And I'm like, no, that's not going to, you know, my vision of that's not going to take off because kids don't want to wear goggles around the whole day long. Right. Kids like it quick and fast. So... So while we were doing that, then all of a sudden ChatGPT came out.

when everyone thinks everyone's headed to 3D virtual reality. And I'm like, no, that's not going to, you know, my vision of that's not going to take off because kids don't want to wear goggles around the whole day long. Right. Kids like it quick and fast. So... So while we were doing that, then all of a sudden ChatGPT came out.

And it was like, what, three years ago now, where it hit the scene with 3.0. And it's suddenly now Chat and the whole idea of talking to an AI got into people's consciousness. So I thought it was tremendously helpful. And so let's talk about what makes ChatGPT possible.

And it was like, what, three years ago now, where it hit the scene with 3.0. And it's suddenly now Chat and the whole idea of talking to an AI got into people's consciousness. So I thought it was tremendously helpful. And so let's talk about what makes ChatGPT possible.