The Loan Officer Podcast

AI fatigue is real, but mortgage entrepreneurs Holt Butler and Chad Middleton believe AI can do more than generate another chatbot or add another task to a loan officer’s day. They’re building tools designed to take routine work off the plates of mortgage professionals, giving them more time to focus on borrowers and decisions that require human judgment.

The pair trace their path from discovering ChatGPT while living in Costa Rica and Peru to creating Aila, an AI loan partner built to support the mortgage process. Aila can review loan documents, calculate income, flag missing items, and prepare files for processing. Butler and Middleton explain how they identified the practical problems they wanted to solve, then used AI to help build software despite having no coding backgrounds.

They also discuss the questions that come with using AI in a highly sensitive industry, including why they trust it to work with personal data and how they think about putting the technology to work responsibly. Beyond mortgage operations, they describe how everyday AI agents can take on recurring tasks and help people manage routine work.

Along the way, they challenge a familiar assumption about getting useful results from AI. With today’s models, they argue, prompt engineering may matter less than clearly understanding the work you want done and the outcome you need.

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Dustin Owen may have finished his first Ironman in 16 hours, but the race was a lot tougher and longer than he expected. He had planned to cross the finish line three hours sooner, until fierce headwinds added an hour to the bike and another hour to the marathon. Back in the studio with Marketing Mike and Karina Mojica, Dustin trades one endurance test for another: unpacking the Trump administration’s housing executive order and asking what it could actually mean for homebuyers.

The crew examines the order’s proposals on private mortgage insurance (PMI), title costs, manufactured homes, and government-backed loans, separating potential changes from the limits of what an executive order can accomplish. They also look at the larger costs that shape monthly payments and access to homeownership, including FHA mortgage insurance, credit-report fees, and the guarantee fees charged by Fannie Mae and Freddie Mac and discuss how changes in those areas might affect borrowers.

But lower fees alone won’t fix the affordability problem. Even meaningful savings could leave many buyers struggling if home prices remain high and the supply of affordable homes stays limited. The conversation looks beyond the headline proposals to the broader question at the heart of housing policy: which changes could ease the costs buyers face, and what will it take to make more homes available in the first place?

Executive order teaser and podcast introduction (00:00:00)

Team reunion and Ironman recap (00:01:13)

Executive order discussion setup (00:06:02)

Sponsor message: Lower Mortgage (00:06:02)

Executive order reception and automatic PMI removal (00:07:58)

Title insurance and refinancing costs (00:11:51)

Manufactured and modular housing (00:15:53)

Government direct-loan pricing (00:18:10)

Sponsor message: Roam (00:20:55)

Ways to improve housing affordability: FHA mortgage insurance (00:22:20)

Credit report costs and credit-score competition (00:25:00)

Guarantee fees and mortgage rates (00:27:46)

Condo financing challenges (00:31:07)

Title costs and mortgage-industry pressures (00:32:19)

Streamlined conventional refinancing (00:34:51)

Final assessment and advice to mortgage professionals (00:36:39)

Closing and listener call to action (00:37:42)

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At 22, Michael Burt took over a struggling girls’ basketball program and helped lead it to its first state championship. He didn’t do it by following the conventional playbook. Burt brought business principles to coaching, focused on developing players as whole people, and introduced serious strength training at a time when girls rarely lifted weights. The experience shaped the way he thinks about performance: talent matters, but so do daily habits, confidence, preparation, and the willingness to adapt when the old approach stops working.

On The Loan Officer Podcast, Burt explains his idea of “prey drive”, the instinct to pursue an opportunity rather than wait for one to appear. He discusses how fear of loss can jolt complacent salespeople into action, why he’d rather help people discover their skill than “find their why,” and how coaches and leaders can create an environment where people are challenged without being reduced to a single outcome. He also reflects on the lessons he learned coaching through three recessions: master the daily basics, recognize when circumstances have changed, and try differently, not just harder. As Burt puts it, “Today doesn’t care about yesterday.”

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Neena Vlamis switched her mortgage company’s loan origination system for the first time in 24 years and completed the change in just five weeks. She joins Megastar Financial founder Anita Padilla and host Dustin Owen to explain how her team made a transition of that scale possible, what they learned along the way, and why choosing a new LOS was only one part of the work.

At the center of the conversation is a simple but demanding idea: mortgage companies need a single source of truth for loan data, from the initial application through closing. When information is entered, updated, and stored across disconnected systems, teams can end up working from conflicting versions of the same loan. That fragmentation can create bad data, repeated work, delays, and uncertainty about which information is accurate. Vlamis and Padilla discuss why improving the flow and consistency of data matters not only for operational efficiency, but also for the quality of decisions made throughout the loan process.

They also explore the growing role of artificial intelligence in mortgage lending and the limits of relying on it. AI tools can only be as dependable as the data they receive, so governance, clear processes, and human oversight remain essential. The group considers where AI agents may be able to help, including reviewing income and assets, while emphasizing the importance of knowing when people need to verify the work and step in.

Along the way, Vlamis reflects on the decisions that shaped her business. She shares how she pivoted away from subprime lending after the market crash and adapted to a changed lending environment. She also explains why she views refinance income as “gravy,” not a business plan: a lender needs a durable foundation that can support the business beyond favorable refinance cycles. Together, the conversation offers a candid look at technology, data discipline, leadership, and building a mortgage operation prepared for changing markets.

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When his wife’s 2020 job move took him 3,000 miles from the California business he’d built through face-to-face relationships, Brady Thomas had to rethink how he stayed connected to the people who made that business possible. Instead of letting distance weaken his presence, he found a new way to stay top of mind and grew his team to nine while producing roughly $200 million a year.

On The Loan Officer Podcast, Brady joins Dustin Owen to explain his “referral gravity” framework: make it clear exactly when referral partners should call you, build authority by sharing useful content and memorable stories, and ensure your team can deliver on the promises you make. He shares how the “two home tango” became his calling card, why he sends regular updates to thousands of real estate agents and past clients, and how consistent communication helps keep relationships strong, even from 3,000 miles away.

Brady also reflects on the transition from building a business face to face to leading it at a distance, the systems and people that make growth possible, and the family priority he’s still learning to protect.

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Rory Vaden’s TED Talk has earned more than 5 million views on YouTube, but the idea he wants people to remember isn’t about becoming famous. It’s about becoming the trusted go-to in your field: someone people recognize, believe, and turn to when they need help. On this episode, Rory explains why building a personal brand is less about chasing attention and more about showing up consistently with something useful to say. He shares why 74% of Americans say having an established personal brand makes them more likely to trust someone, and how answering just one customer question a day can help you build credibility, create useful content, and generate leads over time.

Rory also explains why trying to appeal to everyone can leave you unknown and why choosing a specific audience can make your message more valuable, memorable, and effective. He unpacks the surprising principle at the heart of his work: you may be most powerfully positioned to serve the person you once were, because you understand their challenges from the inside and can show them what’s possible on the other side. Plus, Rory shares how he thinks about raising his sons to understand money, recognize the value of their work, and appreciate the importance of giving. It’s a conversation about earning trust, finding the people you’re best equipped to help, and building a personal brand around service rather than fame.

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The HOPER program can put up to $16,000 in a homebuyer’s pocket, with no second lien and no requirement to repay the assistance. It also includes solar installation financed into the mortgage, giving eligible borrowers a way to add a home-energy upgrade as part of the financing process. On The Loan Officer Podcast, host Dustin Owen sits down with HOPER president Michael Prieto to explain how the program works, who may benefit, and what borrowers and housing professionals should understand before getting started.

The conversation covers how HOPER can be used for both home purchases and refinances, and why the funds are not limited to a down payment or closing costs. Depending on the borrower’s circumstances and the program’s guidelines, the assistance may also be used for other expenses, including paying off a car loan. Prieto and Owen discuss how that flexibility could affect a household’s finances, along with the questions borrowers should ask when considering how to use the funds.

They also look at the solar component of the program, including how installation can be financed into the mortgage and how potential energy savings may fit into a borrower’s overall financial picture. The episode explores what homeowners should know about the tax implications of the assistance and solar installation, while emphasizing the importance of understanding the details of a specific loan and consulting appropriate tax professionals when needed.

Beyond the financing itself, HOPER includes financial education and mentorship requirements intended to help participants prepare for homeownership and make informed financial decisions. The discussion explains what those requirements involve and why education is an important part of the program. Owen and Prieto also describe HOPER’s reach across 48 states and discuss how lenders, real estate agents, and builders can help eligible clients learn about the program, understand the process, and determine whether it may be a fit for their purchase or refinance.

Introducing the affordability program (00:00:01)

Podcast introduction (00:00:55)

Meet guest Michael Prieto and discuss HOPER (00:01:26)

HOPER’s growth and reach (00:03:24)

What HOPER is and who it serves (00:04:36)

Sponsor message: Lower Mortgage (00:05:56)

HOPER’s flexibility and uses (00:07:27)

Using HOPER funds to improve affordability (00:09:40)

HOPER funding, repayment, and taxes (00:11:18)

Solar requirement and program compensation (00:12:28)

Sponsor message: Aduvo (00:14:23)

Financial education and potential tax benefits (00:15:50)

HOPER’s education and mentorship requirements (00:16:53)

Solar savings and homeownership sustainability (00:18:04)

How solar financing works for purchases and refinances (00:19:09)

Sponsor message: TLOP'S Originator Coaching (00:20:42)

Estimating solar savings (00:21:36)

Evaluating the solar investment (00:22:36)

How to learn more about HOPER (00:23:18)

Closing remarks (00:24:22)

HOPER: 👉🏼 https://www.hoper.org/

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Mortgage leader Scott Batt spent three years driving nearly two hours each way to build a referral business and eventually produced 240 loans in a year. His colleague Ross Woods joined the industry as a loan assistant earning $42,000, then went on to fund more than 400 loans in back-to-back years. On The Loan Officer Podcast, Dustin Owen talks with Scott and Ross about the unconventional paths behind their success and the “magic formula” they use with originators: start with a meaningful reason, set a production goal, then map the workday around activities that can actually reach it. They also explain their POWER framework for building a sustainable business.

The conversation looks beyond production numbers to the habits and decisions that helped them grow. Scott and Ross share how they developed referral relationships, stayed focused through demanding stretches, and learned to make their daily effort more intentional. Their stories offer a practical reminder that a strong mortgage business is built through consistent actions, not just ambition or a big goal.

They also discuss why there’s no single career path or formula that works for everyone. By identifying what matters personally, measuring the activities that lead to results, and building a schedule around those actions, originators can create a plan that fits their circumstances and supports long-term growth.

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At the TLOP Unite Caribbean Takeover, Brian Campbell shares how earning $400,000 in his biggest year still left him with a life that didn’t make him happy. The income was strong, but the day-to-day demands of running his business left him questioning what success was really supposed to look like. He and his family decided to make a change: they sold nearly everything they owned, bought a motorhome, and spent two years traveling around the country together.

Throughout the trip, Campbell kept his mortgage business running, working just 15–20 hours a week while making room for family, travel, and new experiences. Today, he’s growing a producing branch without giving up those priorities or returning to a schedule that takes over his life. He and Dustin Owen get specific about the hires, systems, and handoffs that make the model possible, from building the right team to creating processes that don’t depend on the branch leader handling every detail.

They also discuss why a loan partner who owns a process can give you back more time than an assistant, how thoughtful delegation can support both growth and flexibility, and why the goal isn’t simply to work less, but to build a business that fits the life you want. Most importantly, Campbell explains why your family shouldn’t get the leftovers after work, and how designing your business around your priorities can make success feel meaningful again.

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In this episode of The D.O. Show, host Dustin Owen draws on his 20 years of mortgage industry experience to break down how to properly evaluate rental property investments. Dustin uses a clear and relatable $300,000 property example to illustrate his points, making the concepts accessible for both new and seasoned investors. He demonstrates why simply subtracting the mortgage payment from the monthly rent is dangerously misleading and can lead to costly mistakes.

Dustin walks listeners step by step through every critical expense involved in owning a rental property. He covers vacancy rates, routine maintenance, capital expenditures for major repairs, insurance premiums, property taxes, and the often-overlooked cost of professional property management. By factoring in each of these expenses, he shows how what appears to be a $1,000 monthly profit on paper can quickly turn into a $275 loss in reality.

Throughout the episode, Dustin emphasizes the importance of running thorough and realistic numbers before making any investment decision. He explains that while real estate can be a powerful tool for building long-term wealth, success only comes to those who take the time to understand all the financial details and plan accordingly. His key message is clear: real estate builds wealth, but only when investors are diligent, informed, and honest with themselves about the true costs of ownership.

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Oren Michaely left private equity to build Elio Mortgage, raising $5 million to rethink how home loans get made. In this episode, he explains why Elio built its mortgage platform from the ground up, bringing loan officers and engineers together to redesign the work behind every loan.

At the heart of Elio’s approach is a clear division of labor: AI handles much of the preparation, such as calculating income and organizing borrower documents, while people review the results and approve decisions. Oren explains how that model could reduce the time loan officers spend navigating portals and paperwork, and give them more time to guide borrowers through the process.

He also shares a glimpse of mortgage lending in 2030, when technology may reshape how originators work and what borrowers expect. Dustin Owen and Oren explore what that shift could mean for today’s loan officers, how the role may evolve, and why waiting until 2030 to adapt may be too late.

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In this episode of the Loan Officer Podcast, recorded live in Nassau, Bahamas at the Unite Caribbean Takeover 2026 event, host Dustin Owen sits down with renowned mortgage coach and industry influencer Rebecca Richardson for an insightful and engaging conversation. Rebecca introduces her innovative "blueprint" concept, which she describes as a personalized framework designed to help mortgage professionals build businesses that are truly aligned with their individual strengths, personalities, and preferred working styles, rather than simply imitating the approaches of others in the field. She explains that this blueprint is structured around five distinct archetypes: Visionary, Strategist, Operator, Communicator, and Advocate, each representing a different set of skills and natural inclinations that can be leveraged for greater success and fulfillment in the mortgage industry.

Throughout the discussion, Rebecca and Dustin explore the importance of understanding one’s own archetype and how this self-awareness can lead to more authentic and sustainable business growth. They delve into the challenges that many mortgage professionals face, such as burnout, and discuss practical strategies for avoiding it by focusing on activities that play to one’s strengths. The conversation also touches on the significance of authenticity in marketing, emphasizing how genuine, values-driven messaging can help professionals stand out in a crowded marketplace and build stronger relationships with clients.

Rebecca goes on to highlight the value of focused effort, encouraging listeners to prioritize quality over quantity in both their business activities and personal development. She shares actionable tips for staying motivated and maintaining momentum, even during challenging times. In addition to sharing her expertise, Rebecca provides details about several upcoming events where she will be speaking, including a highly anticipated keynote address and an in-depth, hands-on session at MortgageCon in Orlando. She invites listeners to attend these events to learn more about her blueprint framework and to connect with other like-minded professionals who are committed to building businesses that reflect their true selves.

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In this episode of the Loan Officer Podcast, host Dustin Owen is joined by Marketing Mike and producer Karina Mojica as they engage in a lively and insightful debate about whether loan officers should pursue and maintain dual licenses in both real estate and mortgage lending. Throughout the discussion, Dustin takes a firm stance against the idea of actively working in both roles at the same time. He emphasizes that achieving true, long-term success in either field requires a high level of specialization, unwavering focus, and dedication to mastering a single discipline. To illustrate his point, Dustin draws a vivid analogy, comparing the process of building a successful career to fueling a massive 747 airplane. He warns that attempting to divide one’s time, energy, and attention between two highly demanding professions will inevitably result in mediocrity in both areas, rather than excellence in one.

Dustin further encourages listeners to make a conscious decision to fully commit themselves to one professional path, whether it be real estate or mortgage lending. He stresses the importance of building expertise through consistent volume, hands-on experience, and ongoing education. Additionally, Dustin highlights the value of leveraging coaching resources and industry tools available at TopOnline.com, which can provide guidance, support, and proven strategies to help loan officers become top producers in their chosen field. By focusing on one area and dedicating themselves to continuous improvement, Dustin believes that professionals can achieve greater success, satisfaction, and long-term growth in their careers.

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In this special internationally recorded episode of The Loan Officer Podcast, host Dustin Owen sits down for an in-depth interview with mortgage coach and mega producer Gwen Swain, who joins him from Nassau, Bahamas, during the highly anticipated Unite 2026 Caribbean Takeover event. Throughout their engaging conversation, Gwen opens up about her inspiring and transformative journey in the mortgage industry, detailing how she started her career earning just $17 an hour as a loan officer assistant and steadily worked her way up to producing an impressive $60 million in annual volume.

She thoughtfully discusses her core philosophy of "beginning with the end in mind," highlighting the importance of setting clear, intentional goals, cultivating meaningful and relationship-driven networking opportunities, and making strategic decisions when it comes to hiring and building a strong team. Gwen also offers listeners an exclusive preview of her upcoming keynote address at the event, sharing valuable insights on achieving work-life balance, successfully expanding her team across the Pacific Northwest, and implementing proven strategies for building a sustainable and thriving mortgage business that can withstand the challenges of a dynamic industry. This episode provides a wealth of practical advice and inspiration for loan officers and mortgage professionals at every stage of their careers.

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In this episode of The Loan Officer Podcast, host Dustin Owen sits down with Shane Kidwell, a former firefighter who has successfully transitioned into a top-producing loan officer and recognized AI expert in the mortgage industry. During their engaging conversation, Shane shares the inspiring story of how he leveraged artificial intelligence to revolutionize his mortgage business, moving away from traditional hiring practices and instead utilizing AI virtual assistants to perform specialized tasks with greater efficiency and at a fraction of the cost.

Shane delves into the practical, real-world applications of AI that have made the biggest impact on his business operations. He discusses how he uses AI tools to automate the creation and scheduling of social media content, generate SEO-optimized blog posts to boost online visibility, and streamline financial reconciliation processes that once consumed hours of manual work. By integrating these AI-driven solutions, Shane has been able to scale his business, reduce overhead, and focus more on client relationships and strategic growth.

Throughout the episode, Shane also addresses some of the most common mistakes that beginners make when adopting AI in their workflow. He explains the importance of understanding context windows, which refers to how much information an AI model can process at once, and the pitfalls of selecting the wrong AI models for specific tasks, which can lead to inefficiencies and frustration. Shane emphasizes the need for mortgage professionals to educate themselves on the capabilities and limitations of different AI tools to maximize their benefits.

Shane’s core message to listeners is clear: by thoughtfully building a specialized AI team tailored to your business needs, you can reclaim valuable time, achieve a healthier work-life balance, and significantly increase your profitability in the competitive mortgage industry. He encourages loan officers to embrace AI not as a replacement for human talent, but as a powerful ally that can handle repetitive and time-consuming tasks, freeing up professionals to focus on what truly matters, serving their clients and growing their business.

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In this special live episode recorded at the Florida Association of Mortgage Professionals annual conference, host Dustin Owen sits down with Nathaniel Bittman for an in-depth discussion on the ongoing housing affordability crisis. Together, they examine the complex interplay between local, state, and federal governments in both contributing to and addressing the affordability challenges facing homebuyers and renters today. Their conversation delves into persistent obstacles such as NIMBYism (“Not In My Backyard” attitudes), which often hinder new housing developments, as well as the impact of rising property taxes and escalating insurance costs that further strain household budgets.

Nathaniel provides valuable insights into Florida’s unique situation, highlighting the state’s proposed property tax reforms aimed at easing the burden on homeowners, along with the significant challenges currently facing Florida’s insurance market. He explains how these factors combine to make housing less accessible for many families, and stresses that simply lowering mortgage rates will not be enough to resolve the broader affordability crisis. Instead, Nathaniel advocates for a more comprehensive approach that includes policy changes and community engagement.

Throughout the episode, he encourages mortgage professionals to become actively involved at the local level, urging them to participate in public discussions and advocate for sensible, forward-thinking housing policies that can help expand access to affordable homes. By working together with policymakers and community leaders, Nathaniel believes the industry can play a crucial role in shaping a more equitable and sustainable housing market for all.

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In this episode of The D.O. Show, host Dustin Owen shares seven essential tips every home buyer should know before touring a house. He begins by discussing the importance of getting fully pre-approved for a mortgage, which can give buyers a competitive edge and help them understand exactly what they can afford. Dustin emphasizes that buyers should choose a comfortable budget based on their personal financial situation, rather than simply maxing out their loan approval amount. He also highlights the need to understand total closing costs, which go beyond just the down payment and can include fees for inspections, appraisals, insurance, and more.

Dustin goes on to explain how to compare full mortgage offers from different lenders, pointing out that interest rates, points, and lender fees can vary significantly and impact the overall cost of the loan. He provides guidance on how to calculate the true monthly ownership costs, factoring in not only the mortgage payment but also property taxes, homeowner’s insurance, private mortgage insurance, and maintenance expenses. Another key tip is to avoid making major financial changes during the buying process, such as taking on new debt or changing jobs, as these actions can jeopardize loan approval.

Finally, Dustin advises buyers to evaluate properties based on their actual merits, such as location, condition, and long-term value, rather than being swayed by professional staging or cosmetic upgrades. Throughout the episode, he emphasizes the importance of preparation, research, and informed decision-making to ensure a smooth home buying experience and set the foundation for long-term financial success.

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In this episode of the Loan Officer Podcast, host Dustin Owen and co-host Marketing Mike engage in a lively debate about the true value of professional conferences for mortgage industry professionals. They explore the different factors that loan officers should consider when deciding whether or not to attend these events, taking into account the various stages of a mortgage professional’s career. Mike offers a word of caution to newer loan officers, suggesting that those just starting out should focus their time and resources on finding a good coach and building a strong local network before investing in expensive conferences. He believes that establishing a solid foundation at home can provide more immediate benefits for those who are still learning the ropes.

On the other hand, Dustin highlights the unique opportunities that conferences can provide for intentional networking and professional growth. He shares his perspective that, when approached with a clear plan, conferences can be a powerful tool for expanding one’s network and learning from industry leaders. Dustin recommends that loan officers limit themselves to attending no more than two conferences per year in order to maximize the value of each experience and avoid burnout. Both hosts agree that it is crucial for attendees to set specific goals and objectives before registering for any event. By doing so, loan officers can ensure that their time and money are well spent, rather than wasted on activities that do not contribute to their professional development.

The episode also includes a special sponsor segment featuring Coach Christy, who takes a moment to promote her comprehensive originator coaching program. She explains how her program is designed to help loan officers at all stages of their careers achieve greater success through personalized coaching and support. Overall, the discussion provides valuable insights for mortgage professionals who are considering whether attending conferences is the right move for their business and career growth.

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In this episode of the Loan Officer Podcast, host Dustin Owen sits down with Dionne Bass, the founder of Ask the Underwriter and a respected 30-year veteran of the mortgage industry. Dionne recounts her inspiring journey, beginning with her early days in telemarketing and progressing through various roles until she became an expert underwriter. Throughout the conversation, Dionne discusses her deep passion for educating and training mortgage professionals, particularly in the technical skills that are often overlooked but crucial for long-term success in the industry.

The interview delves into several key topics, including the critical importance of conducting thorough and accurate pre-qualification for borrowers. Dionne explains how understanding the nuances of agency-specific income guidelines can make a significant difference in the loan approval process and help avoid costly mistakes. She also highlights the essential role that processors play in ensuring loans close smoothly and efficiently, emphasizing that their attention to detail and knowledge can be the deciding factor in a successful transaction.

Dionne further stresses that while technology has transformed the mortgage landscape, it is only as effective as the person operating it. She believes that the most successful mortgage professionals are those who combine technical expertise with the right technological tools, allowing them to navigate complex scenarios and deliver exceptional service to their clients. By sharing her insights and experiences, Dionne Bass offers valuable advice for anyone looking to thrive in today’s fast-evolving mortgage industry.

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In this episode of The D.O. Show, host Dustin Owen takes a deep dive into the psychology behind why many financially qualified homebuyers hesitate or freeze when it comes time to move forward with a purchase. He breaks down the issue into three primary reasons: concerns about monthly payments, uncertainty about the timing of their purchase, and a lack of trust in the process or the professionals involved. Dustin explains that loan originators should shift their focus away from simply qualifying buyers for the largest possible loan amount and instead prioritize helping clients find a monthly payment that feels comfortable and sustainable for their unique situation. He encourages loan officers to guide buyers through realistic market scenarios, providing clear and honest information about what to expect so that clients can make informed decisions with confidence.

Dustin also stresses the importance of asking thoughtful, meaningful questions to uncover the true reasons behind a buyer’s hesitation, rather than making assumptions or applying pressure. By understanding the root causes of a client’s concerns, loan originators can offer more personalized support and solutions. Additionally, he highlights the critical role of collaboration between loan officers and realtors, emphasizing that a coordinated and transparent approach leads to better outcomes for everyone involved. When loan officers and realtors work together to provide honest, consistent guidance, they help transform hesitant buyers into confident decision-makers who feel empowered rather than pressured or manipulated. Through empathy, education, and teamwork, Dustin believes that industry professionals can create a more positive and productive homebuying experience for their clients.

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