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Stephen Hester came into mortgage wanting to be a teacher. Turns out, the job is basically the same thing — minus the parents. In this episode, he gets into how he runs a 40-50 million a year business without working weekends, why he still takes every application over the phone, and the story of a veteran client who almost got financed by a chatbot pretending to be a loan officer. The "4.25% rate" was an ARM buried in $20K of discount points. The client came back. Stephen also shares how he took a Keller Williams account from 7% to 28% market share in six months just by telling agents they could use any of the six LOs on the team without guilt. He calls the alternative "commission breath" — and says agents smell it on you from across the room. And if you ever wondered what chasing an extra $200K actually costs you, Stephen has the answer: two bottles of wine a night and a marriage that was not doing great. Good episode. Worth the listen.