This site is intended for mortgage professionals only.
If you’re a client or borrower, please consult with your mortgage specialist or loan officer.
Loan Officer Tools
Strike Rate Calculator
This calculator estimates the Strike Rate — the note rate at which a rate-and-term refinance on a borrower’s current balance (reset to a new loan term) would achieve a specified monthly savings target.
Playbooks
Jeremy Forcier’s Database Revival ScriptJeremy is a perennial $100M producer, coach, and mentor who has helped
hundreds of loan officers master influence through genuine connection.His superpower? Turning dormant databases into loyal repeat clients — by using
simple, confident, low-pressure language that feels like help, not sales.This playbook distills his 2025 Scriptapalooza session — with commentary and “Phil M.
Jones Enhancements” to make every word more powerful.
Allison Larson’s Realtor Relationship SystemAllison is a rising leader at Guild Mortgage, known for her authenticity, warmth,
and fearless use of social media to book meetings and win realtor trust.Her magic? She makes business conversations feel like real conversations.And she’s proof that you don’t have to sound salesy to grow your referral base — you
just have to sound human.This playbook distills Allison’s Scriptapalooza 2025 talk, including her three high-
performing scripts and Phil M. Jones’ language insights.
Justin Brown’s First-Time Buyer Confidence SystemJustin is a producing branch manager who’s winning in 2025 by playing the long
game. He’s not chasing quick closes — he’s building relationships with first-time
homebuyers who feel overwhelmed by the current market.His approach: Connection first, confidence second, commission third.By using empathy-driven scripts and teaching clients about wealth-building, Justin
shows that caring beats closing every time.This playbook unpacks his full system — plus Phil M. Jones’ precision language
coaching from Scriptapalooza 2025.
Ryan Kefir’s Realtor Conversion & Follow-Up FrameworkRyan is a producing branch manager from Cincinnati who’s thriving in a tight
market by mastering one thing: conversation discipline.Most LOs chase agents, wing coffee meetings, and walk away empty-handed.
Ryan built a repeatable framework that makes every outreach, meeting, and follow-up
intentional — not accidental.This playbook breaks down that framework, including Phil M. Jones’ real-time
coaching notes from Scriptapalooza 2025.
Nicole Rueth’s Go-Giver PlaybookNicole is Colorado’s #1 mortgage professional and one of the most respected
voices in housing education.Her superpower? She doesn’t sell. She serves.While the industry chases rates and deals, Nicole wins through strategy, clarity, and
compassion. She turns fear into financial confidence by helping people make
meaningfully smart decisions about homeownership — even if it doesn’t benefit her
today.This playbook captures her Scriptapalooza 2025 message — with Phil M. Jones’
insight on how to turn Nicole’s “heart-first” approach into repeatable influence.
Deborah Byrd’s Social Media Strategy PlaybookDeborah is one of the mortgage industry’s most influential marketing strategists,
founder of Plug + Play SM, and longtime leader within the Mortgage Coach
community.Her expertise? Humanizing social media for professionals.She teaches LOs to stop chasing “likes” and start building micro-moments of trust that
lead to business.This playbook distills her Scriptapalooza 2025 session into a repeatable strategy for
consistent, authentic, and revenue-producing online presence.
This site is intended for mortgage professionals only.
If you’re a client or borrower, please consult with your mortgage specialist or loan officer.
Mortgage Trust, Inc. • NMLS 3250 • Equal Housing Lender
4386 S Macadam Ave. • Suite 302 • Portland, OR 97239