The Mortgage Game

WATCH ▶️ ⁠Watch this episode on YouTube⁠ ***   EPISODE DESCRIPTION In this episode, I'm joined by Heather Bowie.   Heather is a mortgage broker and the co-owner of Flare Mortgage Group from Sherwood Park, Alberta, who became a broker in 2022 after spending her career as a CPA.   Quitting a stable accounting career in your forties to work entirely on commission takes serious nerve, and the results speak for themselves. In only 4 years, Heather now does $30 million in funded volume a year, while also building a boutique team of ten brokers alongside her.   What makes Heather stand out is that her success came from the relentless fundamentals of authentic relationship building rather than shortcuts. She joined a BNI group within two months of becoming a broker, committed to contacting three to five people daily, and has sent personalized emails to realtor partners every week for four years. This consistency has steadily grown her client list and brought her some of her biggest referral partners.   But how did Heather turn an abstract income goal into tangible daily actions? Her answer is simple: work backwards. If you know how much you want to make in a year, then you know how much volume you need, back to files, back to pre-approvals, back to total leads, back to how many leads a day. This method combined with monthly goal reflections can keep you on the path to getting the life that you want.   Heather is here to discuss:   → Her transition from CPA to broker and starting a new career in her 40s, her business goals for the future, and how Flare is going to grow their team.   → How she built her "working backwards" business plan, her client journey and follow-up touch points, and when to hire help.   → How Heather gets her leads, the "BAMFAM" (book a meeting from a meeting) mindset, and what is in her weekly Realtor email.   → How she builds authentic, long-term relationships with clients and partners and leverages her CPA background to establish credibility.   → Where the agents who are struggling today are missing the mark. ***   🌎 Heather Bowie's Website: www.heatherbowie.ca 📧 Heather Bowie's Email: [email protected] 📸 Heather Bowie's Instagram: @heather_flaremortgagegroup 🔗 Heather Bowie's LinkedIn: @HeatherBowie ***   IN-PERSON "MORTGAGE LEAD GENERATION" WORKSHOP 📍 Burlington, ON - Monday, September 21st 📍 Vaughan, ON - Wednesday, September 23rd   For more information, visit: www.leadgenworkshop.manus.space   *Spots are limited. Early bird pricing is available until August 23rd. ***   Visit www.iamryanwiley.com to stay up to date on all things Mortgage Game, learn more about Team Wiley, PLUS sign up for coaching, events, our newsletter, & more! ***   CONNECT WITH ME ON SOCIAL 📸 Ryan Wiley's Instagram: @iamryanwiley 🎵 Ryan Wiley's TikTok: @iamryanwiley 🔗 Ryan Wiley's LinkedIn: @RyanWiley 👤 Ryan Wiley's Facebook: @RyanWiley ***

EPISODE DESCRIPTION In this episode, I share a warning for the entire industry, embrace disruption or face extinction in the next 5 years. As margins tighten and technology advances, if brokers cling to outdated business models, they are going to be obsolete. The need to evolve is more critical than ever, but how?   The answer is simple: stop giving away your expertise for free. No other industry gives away their knowledge for nothing, and brokers need to follow suit by embracing consulting models and charging for expertise, which will fundamentally restructure how brokers generate revenue and save them from the compressing lender compensation. ***   IN-PERSON "MORTGAGE LEAD GENERATION" WORKSHOP 📍 Burlington, ON - Monday, September 21st 📍 Vaughan, ON - Wednesday, September 23rd   For more information, visit: www.leadgenworkshop.manus.space   *Spots are limited. Early bird pricing is available until August 23rd. ***   Visit www.iamryanwiley.com to stay up to date on all things Mortgage Game, learn more about Team Wiley, PLUS sign up for coaching, events, our newsletter, & more! ***   CONNECT WITH ME ON SOCIAL 📸 Ryan Wiley's Instagram: @iamryanwiley 🎵 Ryan Wiley's TikTok: @iamryanwiley 🔗 Ryan Wiley's LinkedIn: @RyanWiley 👤 Ryan Wiley's Facebook: @RyanWiley ***

EPISODE DESCRIPTION In this episode, I discuss the common theme of brokers telling me they are "burnt out" and stuck in survival mode, but how do you break out of it? It might be counter-intuitive, but the best thing you can start doing is saying "no". Protect your time. Protect your boundaries. Your self-talk, circle of influences, and controlling your mindset shape your reality, and are more impactful on your business than market conditions. ***   IN-PERSON "MORTGAGE LEAD GENERATION" WORKSHOP 📍 Burlington, ON - Monday, September 21st 📍 Vaughan, ON - Wednesday, September 23rd   For more information, visit: www.leadgenworkshop.manus.space   *Spots are limited. Early bird pricing is available until August 23rd. ***   Visit www.iamryanwiley.com to stay up to date on all things Mortgage Game, learn more about Team Wiley, PLUS sign up for coaching, events, our newsletter, & more! ***   CONNECT WITH ME ON SOCIAL 📸 Ryan Wiley's Instagram: @iamryanwiley 🎵 Ryan Wiley's TikTok: @iamryanwiley 🔗 Ryan Wiley's LinkedIn: @RyanWiley 👤 Ryan Wiley's Facebook: @RyanWiley ***

EPISODE DESCRIPTION In this episode, I argue that you need to build brand visibility before building systems, and spend your time driving more traffic towards your business instead of creating elaborate conversion tools. Ten thousand monthly impressions with a mediocre conversion rate will outperform a flawless funnel that almost nobody sees every time. What good is a perfect system if there is no audience to use it? ***   IN-PERSON "MORTGAGE LEAD GENERATION" WORKSHOP 📍 Burlington, ON - Monday, September 21st 📍 Vaughan, ON - Wednesday, September 23rd   For more information, visit: www.leadgenworkshop.manus.space   *Spots are limited. Early bird pricing is available until August 23rd. ***   Visit www.iamryanwiley.com to stay up to date on all things Mortgage Game, learn more about Team Wiley, PLUS sign up for coaching, events, our newsletter, & more! ***   CONNECT WITH ME ON SOCIAL 📸 Ryan Wiley's Instagram: @iamryanwiley 🎵 Ryan Wiley's TikTok: @iamryanwiley 🔗 Ryan Wiley's LinkedIn: @RyanWiley 👤 Ryan Wiley's Facebook: @RyanWiley ***

WATCH ▶️ ⁠Watch this episode on YouTube⁠ ***   EPISODE DESCRIPTION In this episode, I'm joined by Aldo Heberlein.   Aldo is a mortgage broker and the Founder of Enmortgage from Vancouver, BC, who became a broker in 2020, and has steadily increased his yearly volume from $5M in 2021, to $35M in 2025, and is on pace for $40M in 2026.   Originally from Mexico, Aldo made his way to Vancouver a decade ago after living in Norway with his wife for 6 years. After his digital marketing business collapsed overnight when Facebook changed its policies, Aldo decided to pivot strategically into mortgages   Starting with zero connections in Vancouver, Aldo built his client base by leveraging LinkedIn to connect with Spanish-speaking professionals navigating Vancouver's complex market. By specifically targeting the underserved Latino immigrant community, Aldo built loyal referral networks and sustainable growth rather than competing in saturated markets.   After finding success on a routinely over-looked platform among brokers, Aldo offers to setup Realtors with their own automated LinkedIn reach-outs and email campaigns for their own businesses, creating tangible value add for all of his potential referral partners.   While other brokers are always trying to speed things up, Aldo's approach to clients centres on slowing down, focusing on client education. On his 30 to 90 minute discovery calls, Aldo will underwrite the deal in real time, screen sharing spreadsheets and providing personalized analysis of each situation, building trust from the first meeting.   Aldo is here to discuss:   → His journey so far in the mortgage industry, his volume so far, and his future business plans.   → What makes LinkedIn a unique platform that more brokers should be taking advantage of and how he leverages it to prospect his avatar clients and referral partners.   → The process behind his stealth mode value add of running Realtor's LinkedIn prospecting & email drip campaigns.   → His mindset behind doing longer initial discovery calls with clients, why he underwrites during them, and building client trust through education.   → How he overcame common industry traps like chasing bad files and dealing with bad referral partners.   → How omnipresence protects your business and where he gets his leads today. ***   🌎 Enmortgage Website: www.enmortgage.ca 🔗 Aldo Heberlein's LinkedIn: @AldoHeberlein ***   Visit www.iamryanwiley.com to stay up to date on all things Mortgage Game, learn more about Team Wiley, PLUS sign up for coaching, events, our newsletter, & more! ***   CONNECT WITH ME ON SOCIAL 📸 Ryan Wiley's Instagram: @iamryanwiley 🎵 Ryan Wiley's TikTok: @iamryanwiley 🔗 Ryan Wiley's LinkedIn: @RyanWiley 👤 Ryan Wiley's Facebook: @RyanWiley ***