AI in mortgages that actually saves time, not hype.On this episode of Mortgage Tech Talks I sit down with Lucas Scheer, co-founder of Purelend. We dig into what AI can do today for brokers, why trust still wins in real estate and lending, and how document collection, usable income, and down payment verification can be automated without losing the human touch. What you’ll learn The real advantage for brokers who use AI vs those stuck in manual review How Purelend structures down payment checks, stated income analysis, and doc organisation for lenders and brokers Where full automation fails and why a copilot model makes more sense Accuracy, hallucinations, and how to combine human review with AI to raise overall quality Practical privacy and workflow considerations when rolling AI into your shop Chapters00:00 AI will not replace you. People using AI will00:26 Set up for the episode00:40 Intro and guest welcome01:01 What Purelend does for brokers and lenders02:24 Lucas’ background, NEO Financial, and the path to Purelend03:10 The 60,000 km motorcycle detour and lessons04:10 Building applied AI before ChatGPT05:13 Pre-2020 AI adoption vs the post-ChatGPT shift06:19 Focusing on outcomes over buzzwords07:33 Media hype, fear, and what actually matters to a brokerage08:28 Useful analogies for explaining AI to clients09:03 Common fears brokers raise10:11 Two brokers, two results. Why leverage wins11:26 Excel analogy and why AI is the new table stakes12:07 Privacy, data, and realistic risk12:46 Will AI do prospecting and client calls13:39 Why trust and emotion keep humans in the loop15:14 Where automation helps and where it breaks16:20 Purelend elevator pitch16:46 Duplicate effort across brokers and lenders17:46 Speed, cost basis, and winning deals18:10 Why this only became feasible recently19:18 Feature set: down payment, usable income, organising docs20:02 Stated income launch and common gotchas21:06 Borrower alerts without adding friction21:39 Full auto vs copilot. Drawing the line24:12 Specific knowledge that AI cannot replace25:38 Borrower portal vision and UX tradeoffs30:44 Accuracy, hallucinations, and safeguards32:27 Probabilistic vs deterministic and hitting 92 to 96 percent35:04 Benchmarking against human accuracy38:50 Supervisors, different error patterns, and combined accuracy40:38 Where to learn more40:55 Close

There’s no magic button for AI in the mortgage industry — and that’s exactly what I talk about in this episode. In this week’s Mortgage Tech Talks, I share my full recap of the National Mortgage Conference — what I saw, what I learned, and why so many brokers are still chasing shortcuts instead of building real systems that last. I also unpack the biggest question I kept hearing: “What’s the one AI tool I should be using?” The truth? There isn’t one. But there are ways to use AI that actually move the needle — and I walk through a few real examples of that in action. You’ll also hear my thoughts on privacy, security, and how tech is making a real comeback in the mortgage space right now. If you’re a mortgage broker who’s tired of surface-level “AI hacks” and wants to understand what’s actually working in our industry — this one’s for you. Timestamps:00:00 – There’s no magic button for AI00:23 – Welcome back to Mortgage Tech Talks00:39 – National Mortgage Conference recap01:04 – Why this topic matters now01:15 – Key takeaways from the event02:24 – PSA: There’s no silver bullet03:09 – The myth of the “Use AI” button05:07 – Why brokers still want the easy answer06:00 – Trust as a broker’s real edge06:34 – How to choose the right AI tools07:09 – The “one tool” question07:27 – Real examples: AI note-takers and OCR09:27 – The danger of “magic button lite” talks10:09 – Why most brokers fall into the same loop11:18 – A call to focus on solving real business problems11:53 – Revisiting privacy and security concerns13:19 – Regulation, risk, and gray areas14:32 – Tech perception vs. regulatory precedent15:10 – Mortgage tech is making a comeback15:28 – Shoutout: Penalty Mentor15:43 – Shoutout: Ownwell15:58 – Shoutout: BrokerBot16:48 – Shoutout: PureLend17:19 – Final thoughts and outro

In this episode of Mortgage Tech Talks, Tom Hall shares a special pre-conference breakdown of the Canadian National Mortgage Conference — including what to expect, which sessions to prioritize, and his own upcoming keynote, “If AI is Already Here, Why Does My Job Feel Exactly the Same?” Tom covers three major highlights — from economic forecasts by CIBC’s Benjamin Tal, to Doug Adams’ new book on scaling your brokerage, to his own deep dive into the real state of AI in the mortgage industry. Whether you’re attending the conference or following from afar, this episode gives you a quick, insightful preview of the ideas shaping the future of mortgages, technology, and business in Canada. ⏱️ Timestamps 00:00 – If AI is already here, why does my job feel exactly the same?00:53 – Welcome to Mortgage Tech Talks01:37 – Overview: What to expect at the National Mortgage Conference02:14 – Highlight #1: Benjamin Tal, CIBC Chief Economist03:12 – Canada’s weak economy and rate predictions04:18 – Inflation insights: Why slowing inflation doesn’t mean lower prices05:02 – The shift toward rental demand and what it means for brokers06:15 – The rise of commercial financing and industry implications07:11 – Highlight #2: Doug Adams’ session on The Business of Brokering08:06 – How systems and CRMs are shaping modern brokerages09:08 – Highlight #3: Tom Hall’s keynote — If AI is Already Here, Why Does My Job Feel Exactly the Same?10:58 – Why most AI presentations miss the point11:43 – How technological revolutions actually unfold12:20 – What AI really means for mortgage professionals12:45 – Closing thoughts and conference invite 👉 Subscribe for weekly conversations on mortgage technology, automation, and the future of the Canadian mortgage industry.🎙️ Host: Tom Hall📍 Presented by: BluMortgage #MortgageTechTalks #MortgageBrokers #AIMortgage #CanadianMortgages #MortgageTechnology #BluMortgage #MortgageConference #RealEstateCanada #Fintech #MortgageAutomation

In this episode, we break down a McKinsey report on how global organizations are adopting AI—and what it means for mortgage brokers right now. From marketing and sales to compliance and service operations, we explore where AI is already transforming financial services and how you can leverage it to futureproof your business. You’ll also hear about Rob Macalister’s take on “vibe coding” and why AI may soon make developing your own tools as common as using email. If you’ve ever wondered whether AI will replace jobs or actually create more opportunities, this episode gives you a clear look at both the risks and the upside. Timestamps00:00 – Why mortgage brokers need to develop new skills00:40 – Introduction and overview of the McKinsey AI report01:26 – Who McKinsey is and why their data matters02:36 – Breaking down the first chart: AI use in financial services05:11 – What brokers actually do (sales, service, legal, marketing, IT)07:06 – How to start using AI in day-to-day broker activities08:38 – Report data: hiring challenges in AI-related roles11:17 – Why this matters for mortgage brokers (Rob Macalister’s article)13:52 – How AI unlocks opportunities for brokers to build tech15:35 – The job loss question: what the survey really shows18:28 – Which roles and functions will actually grow with AI20:27 – Where brokers should focus to futureproof their careers21:17 – Final thoughts and call to action Listen if you’re a mortgage broker who wants to: Understand how AI is reshaping the industry Learn which skills will be critical in the next 3 years See how to apply big-picture trends directly to your business 👉 Don’t forget to like, comment, and subscribe for more insights on mortgage technology and the future of the industry. #MortgageBroker #AI #MortgageTech #RealEstate #FutureOfWork

AI Clones for Mortgage Brokers? How This Tech Could Change the Industry In this episode of Mortgage Tech Talks, we dive into a futuristic—but very real—idea: AI clones. Imagine a digital version of you that clients can interact with online, ask questions, and even hear your voice respond back. We’ll cover what AI clones are, how they work, and how mortgage brokers and financial advisors can use them today for lead generation, nurturing, and building client trust. This isn’t sci-fi. People in the Canadian financial space are already using this technology. ⏱ Timestamps 00:00 – Intro: What’s an AI clone?00:23 – Why mortgage brokers should care01:04 – How the idea came about01:22 – What an AI clone actually is01:58 – Example: Delphi AI and how it works03:11 – Real-world example with Balaji (ex-CTO of Coinbase)04:12 – How suggested questions work for clients05:11 – Exploring blockchain Q&A with an AI clone06:20 – Voice cloning: live phone calls with AI07:22 – Using an AI clone for lead generation08:29 – Training your AI clone with content08:48 – Business applications for mortgage brokers09:57 – AI clones as nurturing tools11:04 – Privacy, compliance, and risk considerations12:27 – Who’s already using this in Canada13:45 – Addressing the “Will AI replace me?” question15:24 – Where human expertise always wins16:13 – The legacy and future of AI clones16:38 – Final thoughts and wrap-up 👉 If you’re a mortgage broker, financial advisor, or just curious about how AI is reshaping client relationships, this episode is packed with insights you can’t ignore. 🎧 Listen to Mortgage Tech Talks on YouTube or wherever you get your podcasts.

In this episode of Mortgage Tech Talks, I dive into one of the most common questions I hear at conferences and panels: “Should mortgage brokers be worried about client privacy when using AI tools like ChatGPT?” Instead of giving the usual surface-level answer, I take a contrarian approach and unpack why many of the fears around AI privacy are more about perception than legal reality. From comparing ChatGPT to Gmail, to breaking down Canadian compliance laws, this 15-minute rant is all about challenging the myths that keep brokers from adopting powerful technology. Whether you agree or disagree, this episode will push your thinking and hopefully unlock new opportunities for how you use tech in your business. Timestamps00:00 – Privacy concerns as a crutch for avoiding tech adoption00:37 – Why this rant started: the Canadian Mortgage Summit panel02:13 – The big audience question: “Should I be concerned about privacy?”03:37 – Compliance realities in a regulated industry05:06 – What I would have answered differently06:00 – Comparing ChatGPT risk vs Gmail risk08:03 – Separating legal compliance vs industry comfort10:08 – Why practical risk feels higher with AI tools11:27 – Do Canadian laws really require data to stay in Canada?13:00 – The myth of “data must stay in Canada” explained14:18 – AI as just another tool: it’s how you use it15:29 – My closing thoughts: stop using privacy concerns as an excuse 👉 If you found this useful, subscribe to Mortgage Tech Talks for more unfiltered conversations on mortgage technology, compliance, and growth.

In this episode of Mortgage Tech Talks, we dive into three brand-new mortgage technology startups that recently hit the Canadian market. Each of these companies is tackling a different problem in the broker and consumer journey—from digital mortgage investing, to qualifying first-time homebuyers, to automating document management. If you’re a broker curious about how tech could change your business—or an entrepreneur looking to build something new in this space—you’ll want to tune in. ⏱️ Timestamps 00:00 – The ROI of tech for Canadian brokers00:33 – Welcome and episode intro01:19 – Startup #1: Mercado (mortgage investing platform)03:42 – Industry leaders branching into new ventures04:25 – Startup #2: Homie (app for homebuyers and brokerages)06:36 – Features breakdown: buying power, down payment planning, rate alerts, and more08:41 – Homie as a brokerage lead qualification tool10:30 – Startup #3: PureLend (document management & compliance automation)12:33 – Key features: doc organization, fraud detection, borrower portals14:10 – Broker-focused pricing model and adoption challenges16:45 – Partnering with deal submission platforms: the growth unlock?18:58 – Final thoughts: why mortgage tech momentum is exciting right now 👉 If you enjoyed this episode, don’t forget to subscribe and hit the notification bell for more insights on mortgage tech, innovation, and the future of brokering.

In this episode of Mortgage Tech Talks, we put AI to the test in a live phone call simulation. We set up an AI assistant to act as a mortgage broker’s team member, following up with a client, and then break down the results. How natural was the conversation? What can mortgage brokers actually use this technology for today? And what are the risks and future implications as AI-powered calls become more common? Tune in to hear the full call, my breakdown, and the opportunities—and challenges—AI phone calls present for the mortgage industry. Timestamps:00:00 – Intro: Setting up the AI phone call01:05 – Why this experiment matters for mortgage brokers01:25 – Building the AI assistant (tools + setup)02:48 – How the AI call works (voice & prompt setup)03:45 – The call script and goals explained05:29 – Live AI phone call demo07:16 – Immediate takeaways from the conversation08:18 – What AI can do well (and what it can’t)09:21 – The importance of “specific knowledge” in brokering11:07 – Efficiency gains for brokers using AI assistants12:03 – Potential downsides: will calls get commoditized?13:31 – The future of communication (calls, texts, proof of humanity)17:12 – Blockchain, identity, and trust in calls18:29 – Social networks as the new trust system19:37 – Final thoughts + what’s next for brokers If you’re a mortgage broker, lender, or financial professional looking to understand how AI will impact your business, this episode is for you. 👉 Don’t forget to like, subscribe, and comment below with your thoughts on AI-powered calls. Do you see this as the future—or a problem waiting to happen?

In this episode of Mortgage Tech Talks, we set out to uncover AI tools built specifically for mortgage brokers. But what started as a simple research mission turned into a much bigger realization: there aren’t really standalone AI tools just for brokers—and maybe that’s the point. Instead, we explore how brokers are actually using tools like ChatGPT, Fathom, and voice AI dialers, and why the future of AI in the mortgage industry might be less about new standalone apps and more about embedding AI capabilities into existing platforms like Velocity and BluMortgage. If you’ve ever wondered “What AI tools should I actually be paying attention to as a mortgage broker?”—this is the episode for you. ⏱️ Timestamps 0:00 – Why AI still needs context (it’s not end-to-end, it’s “middle-to-middle”)0:17 – How mortgage brokers actually fit into AI workflows0:33 – Why standalone “Mortgage AI” apps don’t make sense0:54 – Introduction to today’s episode1:20 – Looking for AI tools built specifically for mortgage brokers2:04 – The search: are there broker-only AI tools?3:00 – Google search results and first impressions4:07 – Testing ChatGPT for broker-specific AI recommendations5:22 – Four main categories of AI tools brokers are using6:01 – ChatGPT as a thought partner, not just a search engine6:36 – Note-taking AI tools like Fathom, Fireflies, and Otter7:15 – AI dialers and voice tools (Voiceflow, Blend)7:52 – OCR/document reading tools for income and docs8:18 – Why none of these tools are truly “broker-only”9:00 – Why ChatGPT is good enough to replace niche tools11:06 – How ChatGPT might eat up other use cases12:25 – Why AI growth may be slowing down (deceleration vs acceleration)14:10 – The limits of AI: still needs context and human oversight15:20 – The future: AI embedded in existing broker tools16:21 – Final conclusions and takeaways 👉 If you found this discussion valuable, don’t forget to like, subscribe, and drop a comment with your thoughts on AI in the mortgage space. Do you think we’ll see broker-specific AI tools, or will ChatGPT and existing platforms be enough?

In this episode of Mortgage Tech Talks, we dive deep into the latest developments shaping Canada’s mortgage, real estate, and business landscape. From how top influencers are dominating both social media and deal volume, to surprising leadership moves at Quest Mortgage, to Brookfield’s $2.9B acquisition of First National — we go beyond the headlines to explore what these changes really mean for mortgage professionals. Whether you’re a broker, lender, or real estate pro, you’ll walk away with insights on market dynamics, influencer strategy, and the forces shaping Canada’s largest financial players. Timestamps:00:00 – Shopify as Canada’s biggest non-quasi government company01:16 – Why we go deeper than the headlines in industry updates02:03 – Ron Butler named #1 mortgage & real estate voice in Canada03:28 – How influencer rankings work (and why they matter)05:24 – Discovering the top mortgage influencers in Canada06:20 – The “feast or famine” reality of mortgage social media success08:07 – Keys to building an influential presence: education & authenticity09:34 – Leadership move: Bucky Mendieta joins Quest Mortgage11:13 – The rise and pause of Quest Mortgage’s operations13:30 – Why Quest’s “pause” might be a strategic reset14:27 – First National’s $2.9B acquisition by Brookfield & Birch Hill16:17 – How government policy shifts impact private mortgage lenders17:06 – Is Canada’s business environment a cartel?18:52 – Shopify CEO on breaking through Canada’s corporate mold20:15 – Final thoughts & key takeaways If you found this valuable, please share it with your colleagues and peers in the industry. It helps us grow the Mortgage Tech Talks community and continue delivering relevant, no-fluff insights. #MortgageIndustry #CanadianRealEstate #MortgageBroker #RealEstateCanada #IndustryUpdate

In this episode of Mortgage Tech Talks, we explore one of the most exciting new AI advancements — ChatGPT’s Agent Mode — and why it’s a potential game-changer for mortgage brokers, real estate professionals, and anyone in the housing industry. You’ll see a live demo where Agent Mode goes beyond just answering questions — it literally opens a virtual desktop, clicks through RBC’s affordability calculator, uses Ratehub, researches home prices, and even starts booking appointments with mortgage brokers and real estate agents… all on its own. We’ll break down: What Agent Mode actually is How it works (live example) The opportunities and risks for mortgage brokers Why human trust will always be irreplaceable How to position yourself so AI chooses you in the future Whether you’re tech-curious or already deep in AI tools, this is a must-watch to see where the industry is headed. Timestamps:00:00 – Live demo: ChatGPT Agent Mode opening a virtual desktop00:17 – Navigating RBC’s affordability calculator00:33 – Using Ratehub to compare mortgage options00:49 – Episode intro & what to expect01:08 – Explaining Agent Mode & “AI agents”01:26 – Simulating a first-time homebuyer scenario02:14 – How Agent Mode bridges research and action03:03 – Example mortgage financing prompt setup03:20 – Asking AI to find homes & book appointments04:02 – How to enable Agent Mode in ChatGPT05:13 – Inputting financial details for a real example05:55 – Watching Agent Mode research in real time07:12 – Why this tech has the industry buzzing08:11 – Potential for AI-to-AI interaction08:51 – AI booking appointments with mortgage brokers & agents09:18 – Official ChatGPT breakdown of Agent Mode features10:17 – Future use cases & possibilities10:52 – AI filling out contact forms automatically12:12 – Affordability results & neighborhood suggestions13:04 – AI presenting real appointment slots from broker websites14:06 – Why human trust still matters in mortgage decisions15:38 – How client acquisition will change in the AI era17:21 – Final thoughts on adapting to AI-driven search

MORTGAGE TECH INDUSTRY UPDATE – Summer's Not So Slow After All 🚨In this episode of Mortgage Tech Talks, we’re diving into the latest movements shaking up the Canadian mortgage technology space. From Pineapple Financial’s dramatic stock rebound to M3 Tech’s broker-first narrative and Pine’s continued success with a borrower-first approach — this one is full of insights and analysis you don’t want to miss. We revisit past stories, assess how they’ve played out, and challenge some of the industry’s assumptions around whether building great tech is really enough to win in today’s market. 📌 Key Themes Covered: Is "great tech" enough for brokerages? M3’s broker-first claims – marketing or mission? Pineapple’s stock surge – real growth or financial maneuvering? Pine’s Properly tool vs. HouseSigma – feature-by-feature breakdown Strategic bets: should platforms serve brokers, broker-owners, or borrowers? ⏱ Timestamps00:00 – The problem with relying only on great technology00:43 – Welcome to this week’s industry update01:20 – Why every story today is a follow-up with new data01:56 – M3 Tech's broker-first narrative under the microscope04:30 – Who are tech companies really building for? Brokers, borrowers, or broker-owners?06:06 – Is M3 Tech’s adoption data telling the full story?07:20 – Pineapple Financial surges 180%… but why?09:32 – The real reason behind Pineapple’s stock rebound10:43 – Great tech, weak results? A deeper look at Pineapple One12:06 – DLC vs. Pineapple: Same market, different outcomes13:19 – Did Pineapple build backwards?14:36 – Why tech can’t be the foundation of a brokerage15:03 – Pine’s borrower-first strategy and $1B in managed mortgages16:24 – Pine’s path in a collapsing digital mortgage space17:07 – Pine vs. HouseSigma: Which real estate tool is stronger?20:24 – Why Pine chose to focus on fewer features21:01 – Lessons in product design and platform adoption22:07 – Final thoughts – what this all means going forward 📣 If you’re in mortgage tech, you need to watch this.Don’t forget to like, comment, and subscribe so you never miss an update. #mortgagetech #brokeragegrowth #canadianmortgage #fintechnews #mortgagebroker

In this episode of Mortgage Tech Talks, I sit down with Tyler Cameron, Founder & CEO of wrksourcing, to talk about the real path from chaos to clarity in entrepreneurship. We break down: Why being a visionary isn’t enough anymore The difference between a VA and a true integrator What brokers actually need to scale How to adopt tech (without getting lost in the noise) Why FOMO is hurting entrepreneurs more than helping Whether you're a solo mortgage broker or leading a growing team, this episode will help you understand when it’s time to stop doing everything yourself — and how to bring on the right kind of help to grow without burnout. 👇 Skip to the parts that matter most: Timestamps: 00:00 – Why Visionaries Need Integrators01:00 – Meet Tyler Cameron of wrksourcing02:00 – Tyler’s Entrepreneurial Journey04:00 – From Ad Agencies to Startups06:00 – Growing Up in a Family Business09:00 – What wrksourcing Really Does12:00 – Why “Virtual Assistant” Isn’t the Right Term15:00 – The Real Problem Founders Need Solved17:00 – What Makes a Great Entrepreneurial Client20:00 – Visionaries vs. Executors: EOS Explained23:00 – Why Process Comes First, Then People26:00 – Choosing the Right Tech Stack29:00 – Shiny Object Syndrome in Business30:00 – Clarity Beats More Tools33:00 – What AI Changed & Didn’t Change36:00 – Staying Curious Without Overwhelm38:00 – Networking, Masterminds & Real Connections40:00 – How to Connect with Tyler and wrksourcing 📌 Like this episode?Subscribe, leave a review, and share it with a fellow entrepreneur or mortgage professional. Word of mouth is everything. 📞 Connect with Tyler:Website: https://www.wrksourcing.com

How Mortgage Brokers Should Use Summer to Get Ahead (And Avoid AI Overwhelm) In this solo episode of Mortgage Tech Talks, Tom Hall gets tactical on how mortgage brokers can use the slower summer months to reset, refocus, and retool. From confidently taking time off to building systems, cleaning up your business backend, and diving deep into AI (instead of chasing every new tool), this is the episode you didn’t know you needed. If you’re feeling the pressure to “keep up” with AI or wondering how to finally take a guilt-free vacation, listen up. 👇 FULL EPISODE TIMESTAMPS BELOW: ⏱️ TIMESTAMPS00:00 – Why "going deep, not wide" with AI matters00:36 – Tom kicks off the solo summer episode01:13 – How to use summer intentionally as a mortgage broker02:03 – The first thing: Take time off (and actually take it off)04:00 – The power of a confident handoff when you're away05:06 – Why process comes before tech06:20 – Build your workflow BEFORE choosing tools or hiring07:13 – Real tech automation examples to save time08:39 – Task: Clean up your business (3 easy wins)10:04 – Why brokers must own their own domains and emails11:19 – Organizing client lists and files for long-term efficiency12:15 – Build one habit that sticks (and it’s NOT using AI)13:09 – The importance of self-contained habits14:19 – Let’s talk AI: go deep, not wide15:00 – Why most new AI tools might not be worth your time16:50 – The difference between using Google and using ChatGPT18:16 – Two deep resources to better understand how AI really works20:06 – Final thoughts: reduce anxiety by understanding the unknown21:19 – Recap: 3 things to do this summer as a mortgage broker  

In this episode of Mortgage Tech Talks, I’m not just talking about AI... I’m showing you exactly how to use it. I walk you through three powerful ChatGPT prompts (plus a bonus fourth) that you can copy and paste today to actually grow your mortgage business. Most people are still using AI the way they used Google — and that’s a huge mistake.I’ll show you how to get way better results by treating ChatGPT like a business partner, not just a search engine. You’ll learn: How to generate new business in a tough market using AI The single most effective way to write ChatGPT prompts How to use different GPT models depending on your goals 5 time-saving ways to automate your workflow as a mortgage broker And how ChatGPT can help you structure complex deals like a pro If you’re in the mortgage industry and want to save time, close more deals, and finally get value out of these tools — this episode is for you. 📍 Timestamps: 00:00 – Intro: Why this is the most tactical episode yet00:20 – Prompt 1: How to get new business fast using ChatGPT02:00 – What makes a great AI prompt (tone, constraints, specificity)06:00 – ChatGPT’s 6 strategies for mortgage brokers in a tough market08:40 – Prompt 2: How to plan for long-term success using the GPT-4 "thinking model"10:15 – What model you should actually be using in ChatGPT (and why it matters)12:00 – Prompt 3: AI prompts to save hours in your mortgage workflow14:00 – Deal structure brainstorm: ChatGPT as your second brain16:00 – Why the same prompt can get you completely different (but valuable) results17:00 – Final takeaways from the long-term planning prompt18:00 – Niches to explore: Renewals, debt consolidation, equity release19:00 – Recommended tools + skills to level up as a broker21:00 – BONUS Prompt: Let ChatGPT help you structure a deal in real time21:45 – Final recap + why the time to start using AI is right now If this gave you some ideas, let me know in the comments — or just try one of the prompts I shared and see what happens. Let’s stop talking about AI in theory… and actually start using it to grow our businesses. – Tom #MortgageBroker #MortgageTech #ChatGPT #AIforBusiness #GPT4 #MortgageMarketing #RealEstateTech

In this episode of Mortgage Tech Talks, host Tom Hall sits down with Rich Spence, President of Mortgage Centre Canada (part of the DLCG network), for a powerful deep dive into the past, present, and future of mortgage tech. Rich shares: His origin story launching Nexxa, the first web-based CRM for brokers The mindset and grind that helped scale to 7,000+ users How DLCG and Velocity are future-proofing the mortgage industry Why emotional intelligence is just as important as AI And how consumer expectations are forcing innovation faster than ever Whether you're a broker, lender, tech founder, or industry leader—this episode will challenge how you think about change, innovation, and what it really takes to stay relevant. 📍 Timestamps00:00 – The future belongs to brokers who text00:20 – The power of DLCG’s network and tech adoption01:00 – Meet today’s guest: Rich Spence02:00 – The untold origin story of Nexxa CRM05:00 – How they scaled to 7,000 mortgage brokers08:30 – Building software by hand—then hitting the phones10:00 – What brokers can learn from DLCG's growth14:00 – The evolution of Velocity and its rapid release cycle18:00 – Why persistence and iteration drive tech success21:00 – AI, cold calls, and the irreplaceable human touch25:00 – How brokers need to adapt to Gen Z and tech trends29:00 – What your clients expect (and how DLCG is building it)34:00 – Why the right partnerships matter in 2025 and beyond 🔗 Connect with Rich SpenceInstagram: @richspence3 LinkedIn: @richspence3 ✅ If you enjoyed this episode, subscribe for more insights from top minds in mortgage and financial tech.💬 Leave a comment sharing your favourite insight or takeaway. #MortgageTech #DLCG #RichSpence #VelocityCRM #MortgageBroker #AIInMortgages #BrokerInnovation #CRM #MortgageIndustry #TechForBrokers

In this episode of Mortgage Tech Talks, Tom sits down with Karen Wilson — founder of Broker Complete and VP of Training & Operations at DLC Elite Team — to unpack what truly drives success in today’s mortgage industry: trust, accountability, community, and process efficiency. Karen shares her journey from running a successful fitness business to becoming a leader in the mortgage world, drawing powerful lessons about relationship-building, creating accountability structures, and optimizing your business for long-term growth. If you’re a broker looking to strengthen your client relationships, scale your business, and implement more effective systems — this conversation is packed with practical insights. 👉 Follow Karen on Instagram: https://www.instagram.com/brokercomplete/ Timestamps: 00:00 – Why trust is the most valuable currency in today’s mortgage industry01:11 – Welcome and intro: Who is Karen Wilson?02:45 – Karen’s background in the fitness industry and transferable skills05:19 – Rebranding from fitness to finance: The learning curve08:06 – How accountability groups helped Karen scale her mortgage business09:13 – Building an accountability call that delivers real industry value11:30 – The "give, give, give, ask" principle for long-term relationship-building14:36 – Why trust-building matters more than rates or speed15:29 – Leveraging tech to scale personal connections16:40 – Types of social media content that actually build trust19:14 – Human, imperfect content vs polished posts20:14 – Coaching agents to recognise when to seek help and training22:00 – Mapping your client process from lead gen to post-close25:28 – Customising your mortgage process to match your strengths27:44 – Process first — then pick the right tech or team29:18 – The wrong way to implement new tools — and how to avoid it32:14 – Why free services often have low follow-through — and how accountability changes that34:12 – Building a brokerage culture of high standards and high expectations35:18 – The value of surrounding yourself with high achievers37:05 – Recognising opportunities and relationships that move your business forward39:22 – How to connect with Karen and learn more about Broker Complete and DLC Elite Team

In this episode of Mortgage Tech Talks, I’m pulling back the curtain on everything I’ve learned building BluMortgage—and what I’d do differently if I were starting from scratch today. I’m walking you through how I’d think about:→ Building a simple, addictive product→ Structuring a freemium model→ Leveraging referrals over paid ads→ Using AI (the right way)→ And why simplicity always wins Whether you’re in mortgage tech or any kind of SaaS, this episode will give you a fresh framework to think about how to build and scale your next product. 👇 Full timestamps below — enjoy the episode and leave a comment if you’d take a different approach! Timestamps:00:00 — Why AI should not be forced into your product01:00 — If I launched a new mortgage tech company today02:10 — The 3 key lessons from building BluMortgage04:00 — What should your product actually offer?06:00 — How to make your product simple and addictive09:00 — Why onboarding should feel as seamless as Facebook or TikTok11:00 — How to improve your product without feature bloat12:30 — Why simplicity is harder than complexity14:00 — How I’d market the product (freemium + referrals)15:45 — How to drive viral referrals inside your app16:50 — Why trade shows and in-person events still matter17:45 — The right way to use AI inside your company19:20 — Final thoughts + a challenge for you 👍 If you enjoyed this episode, hit Subscribe for more weekly insights from the world of mortgage tech and SaaS. #MortgageTech #SaaSBusiness #FinTech #BluMortgage #AIInBusiness

In this episode of Mortgage Tech Talks, Tom breaks down the biggest shifts happening in Canada's mortgage technology landscape — from major lender-platform disconnections to what AI could mean for the future of mortgage app development. We cover: Why top lenders are cutting ties with major tech platforms Real examples of platform incentives (like free trips) and their long-term strategy A powerful update from Ben Salami (Canadian Mortgage App) and why his coding approach is a game-changer The potential of AI tools like ChatGPT to empower non-coders to build game-changing tools If you're a mortgage professional, lender, tech builder, or just love staying ahead of the curve in this space—this one’s for you. 👇 Timestamps00:00 – Can ChatGPT turn mortgage pros into coders?00:44 – Welcome to the episode + key themes04:25 – Platform economics: Why lenders are switching highways05:34 – Exclusive partnerships: Not new, but more aggressive06:12 – Could this fracture the marketplace model?07:27 – Will brokers be forced into multiple portals?08:04 – Industry-wide implications: are platforms losing value?08:37 – M3 VIP trip strategy breakdown09:26 – Platform incentives: the “free dry cleaning” analogy10:47 – Boss, Uber, and network effects12:01 – More users = more leverage with lenders13:04 – Ben Salami’s new CMA feature release13:58 – Scenario planning tools for mortgage brokers14:40 – Comparing fixed vs. variable + lender options15:34 – Why Ben's speed in building is his superpower16:46 – Iteration cycles: 1 week vs 10 minutes17:25 – How AI might democratize fast iterations18:26 – Final thoughts + call to share 🔔 Don’t forget to like, comment, and subscribe for more weekly insights on mortgage tech, tools, and trends. #mortgagetechnology #mortgagebroker #canadianmortgage #mortgageplatforms

If your brokerage went under tomorrow—would your business survive? In this episode of Mortgage Tech Talks, Tom breaks down a powerful video from Ron Butler that’s making waves across the mortgage industry. From ownership of your domain and CRM to warning signs your brokerage might be in financial trouble, this episode is a wake-up call for brokers in Canada. Timestamps: 00:00 – Why every broker must own their domain, inbox, and CRM01:21 – Welcome to Mortgage Tech Talks01:42 – Ron Butler’s video breakdown: What happens if your brokerage collapses?03:08 – The danger of relying on your brokerage for commission payments05:23 – Signs your brokerage might be in financial trouble06:07 – How to protect your business before it’s too late06:43 – The tech barriers that keep brokers stuck07:01 – 3 things your brokerage might control that you need to own08:00 – Step-by-step: how to get your tech stack independent10:02 – Mortgage payment surge projections11:53 – Why inflation rising again could be a disaster13:21 – Who are mortgage tech platforms really built for?14:03 – The 4 audiences mortgage tech must serve15:23 – The trade-offs platforms make to keep lenders happy15:42 – Shoutout to Scarlett Jo Factory: Canadian Mortgage Award wins16:19 – BluMortgage wins at the Mortgage Awards of Excellence17:02 – What this award means for the BluMortgage team17:39 – Final thoughts and viewer call-to-action28:34 – BONUS: Recap of the tech ownership framework for brokers Whether you’re a new broker or a seasoned pro, this episode gives you practical advice to bulletproof your business—and insights on how the industry is evolving in real time. #mortgagebroker #mortgagetech #canadianmortgages #realestatecanada #mortgageadvice Let me know if you'd like a shorter version for Spotify or LinkedIn as well.