On-Demand Masterclass for Loan Officers
Close More Loans With Niche Products and Referral Partners
The volume is hiding in the products your competition won’t market and the referral partners they never call. Three consistent top producers walk through the exact plays, partners, and scripts they use to win deals other loan officers can’t — without competing on rate.
4 instructors
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Start with Where the Volume Is Hiding
What You'll Learn
Most originators are stuck fighting over the same 30-year fixed, and the only lever they know how to pull is price. This course shows you the two places top producers go instead: the niche products almost no one markets, and the referral partners almost no one works. Every play is concrete, tested, and ready to use on your next call.
By the end, you'll be able to:
- Source and close construction-to-perm loans against conservative local banks
- Build a non-QM pipeline from a standing start and know exactly where it fits your market
- Market non-QM by naming the solution — bank statement, 1099, asset depletion — instead of the jargon that buckets you with everyone else
- Turn every non-QM closing into a lasting CPA referral relationship
- Own low-competition niches — renovation, ADU, rental, manufactured homes — and pull repeat loans from a single client
- Re-engage quiet real estate agents with a proven, word-for-word outreach script
- Win multiple-offer situations with TBD approvals, non-contingent structuring, and cash-offer tools
- Land financial advisors as referral partners using the page-five rating play
- Speak an advisor’s language, offer a service that makes you part of their team, and position yourself as protection rather than a threat
- Shut down rate shoppers by “turning the screen around” and become their easy button
- Earn a client’s commitment without cornering anyone, even on today’s longer timelines
Skills you'll gain
- Construction-to-Perm
- Non-QM Pipeline
- CPA Referrals
- Renovation & ADU
- Agent Re-Engagement
- Winning Multiples
- Financial Advisor Partnerships
- Closing Rate Shoppers
Details to know
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See how top producers at the country’s leading lenders are building their business
Course Breakdown
Eight chapters, each one a self-contained play you can put to work on your next call.
1 Where the Volume Is Hiding
Why the commodity market is a trap, and where top producers go instead. The “block and tackle” philosophy behind winning without shiny objects, and the two places real volume hides: underworked products and underworked referral partners. This frames everything that follows.
2 Construction-to-Perm
Where these loans actually come from, how to win the inbound consumer-direct call, and the walk-them-through-it service process that beats conservative local banks on deals they won’t touch. Plus the draw-and-takeout pitfalls to watch for.
3 Non-QM: From Niche to Core Product
Why non-QM is now a major share of the market rather than a fringe play. Bringing it in-house for control, understanding liquidity and widening guidelines, handling exception-based deals like condos and unusual employment — and the warning signs a seasoned originator should watch for.
4 Marketing Non-QM: Name It and Feed It
Why the term “non-QM” works against you, and how to name the actual solution instead. The “entrepreneur loan” and “cash-flow loan” framing that opens doors with CPAs and planners, and the post-close trigger call that turns one deal into a referral pipeline.
5 The Low-Competition Niches
Renovation, ADU, rental, and manufactured homes — the niches your market ignores because most lenders find them annoying. “Two licks at the lollipop,” structuring multiple loans out of one transaction, second mortgages for equity-rich homeowners, and the affordability programs that get you onto preferred lender lists.
6 Re-Engaging Real Estate Agents
The word-for-word text that gets quiet agents to say yes to coffee. Winning in multiples with TBD approvals and non-contingent structuring, and the proactive listing-agent call that uses your own transaction history to make your buyer’s offer the one that gets accepted.
7 Landing Financial Advisors
The page-five rating question that surfaces a client’s advisors, and the exact call that repairs a lukewarm relationship and lands the advisor. Speaking their language (AUM), the free debt-monitoring service that makes you part of their team, the down-payment-versus-invest conversation, and the insulation pitch that makes you protection rather than a threat.
8 Closing in a Market Full of Shoppers
“Turning the screen around” to demystify pricing and stop rate shoppers cold. Using lock alerts so a client doesn’t shop themselves into a worse rate, becoming their easy button, and the commitment ask that earns a yes without cornering anyone.
What's included
Everything from the session, yours to keep
One payment. No subscription, and nothing to cancel.
Yours today for $29.99
Your Instructors
Not analysts. Every producer on this call is actively originating in the market they are describing.
Tim Braheem
Founder
The Loan Atlas
Founded The Loan Atlas after decades in the business — originating at the highest level, then coaching thousands of loan officers. He hosts the session and pulls the specifics out of all three producers.
Caleb LeGrand
Branch Manager
CL Team at Apex Home Loans
A construction and portfolio-lending specialist who built a steady non-QM pipeline from a standing start, and who wins builder and consumer-direct deals against every local bank in his market.
Jay Dacey
President
Jay Dacey Mortgage Team
Drives the majority of his business from his existing database, using a simple agent-outreach system that anyone can copy.
Josh Burruss
EVP & Chief Lending Officer
Intercoastal Mortgage
A product and referral-partner strategist who turned two financial-advisor relationships into a stream of closed loans in one of the most competitive metros in the country.
What these plays produced
Results the producers brought to the session
15
closed loans from just two financial-advisor relationships
0 → 2–4
non-QM units a month, from a producer who didn’t do them two years earlier
$80,000+
in revenue on a single niche deal, more than once
Majority
of one producer’s annual production, sourced from his existing database
“The market is dynamic. You’re probably going to have to pivot your approach every 60 to 90 days. The underlying fundamentals don’t change, but how you go about them does.”
Why originators choose The Loan Atlas
Feedback from Loan Atlas members on the faculty and the wider platform this course comes from.
Edgardo Balentine
NEO Home Loans
“The Loan Atlas makes it so I never have to guess. Anything you could need in your business, you’ll find there — whether it’s a better presentation, a great script, or a mastermind class telling you exactly what you need to do.”
Maxwell Lloyd
Trust Mortgage
“The Loan Atlas has been invaluable for targeting financial advisors and expanding my referral base beyond Realtors. The tools and strategies made it simple to build meaningful partnerships and create new opportunities.”
Bryce Olsen
SelectRate Mortgage
“The depth of knowledge from the faculty is incredible. If you have an area you want to focus on, there’s a high probability someone on the faculty is a world-class expert in it.”
Jenifer Hawkins
Lower Mortgage
“I’ve been using the Business Planning Tool for over a year. It’s the best goal-setting and goal-achieving system I’ve ever used — professionally and personally.”
Or get everything
This masterclass is included free with membership
Membership includes every masterclass replay, seven live coaching calls a month, 200+ training modules, and the full faculty — not just this one session.
Frequently asked questions
Do I have to be a Loan Atlas member?
No. This is a standalone course, open to anyone. Nothing else to join.
I’m at a bank / I’m a broker — is this relevant to me?
Both. The three producers work different models, and the Q&A digs into how these plays adapt whether you have a portfolio to lean on or you’re placing loans through investors.
Will this be out of date in six months?
No. These are fundamentals, not a take on this week’s rate. The products and referral strategies work across market cycles, which is why top producers keep returning to them.
How do I get access?
The recording and the Play Sheet are available the moment you check out. Watch on any device and keep them for good.
Is this a subscription?
No. It is a single $29.99 payment for this one course. There is nothing recurring and nothing to cancel.
Stop competing on the loan everyone sells.
The volume is hiding where the competition won’t go. This course is the map.
Full recording + The Play Sheet · lifetime access · no subscription