Ryan Grant

[Ryan Grant @RyanGrantNEO]

In regard to a sign on bonus… Most Mortgage Advisors ask something like, “How much are they giving me?”

I wish more would stop asking,
“What will this actually cost me?”

Because the clawback is only the repayment term you can see.

The hidden repayment can show up in margin, pricing, capital markets execution, comp changes, and the economics you never get access to.

I am not saying sign-on bonuses or retention bonuses are bad.

I am saying you should treat them like a loan until you fully understand the repayment terms.

Before you trade years of your career for a check, understand how the company expects to get that money back.

Full breakdown is on my YouTube channel @ryangrantneo.

#MortgageAdvisor #MortgageCareers #MortgageEconomics

[Ryan Grant @RyanGrantNEO]

Hear me out for a sec... and no, I'm not anti-bonus.
I'm anti-blind economics.

A sign-on bonus or retention bonus can absolutely make sense when the terms are clear, the transparency is real, and the economics work for both sides.

But before you take the check, ask a better question:

What will this actually cost me?

Because the clawback is only the repayment term you can see.

The hidden repayment can show up in margin, pricing, capital markets execution, and the economics of your business.

Full breakdown is on my YouTube channel @ryangrantneo.

#MortgageAdvisor #MortgageCareers #MortgageEconomics $BETR

[Ryan Grant @RyanGrantNEO]

The Coach K Academy is for 35+ year old men who compete like the game still matters… Because it does. But not in the way you might be thinking.

To me, competition has a way of revealing who you still are.

Before this week even begins, you're given a detailed 10-week training program because there is a standard of play expected when you get there.

Then you show up.

You try out.
You get drafted.
You get coached.
You run.
You miss shots.
You make plays.
You remember what it feels like to be pushed, challenged, humbled, and fully alive.

That's the part I love.

At a certain stage of life, it becomes easy to only live inside responsibility. Business. Family. Leadership. Pressure. Decisions.

But there is still a part of us that needs the reminder of who we still are outside of those things.

A place where effort is honest, feedback is immediate, and better is never theoretical.

Grateful for the chance to compete, learn, and be reminded that growth still feels a lot like getting coached.

What's something in your life that brings that version of you back?

#CoachKAcademy #DukeBasketball #Leadership

[Ryan Grant @RyanGrantNEO]

🦸 Happy Superhero Day 🦸🏼

The mortgage advisor of the future is not the person trying to build alone…

It’s the person surrounded by the right standards, systems, technology, and community so they can show up with more clarity, consistency, and care for the families they serve.

More leverage.
Less dependence.
More life back.

AI can handle the repetitive.
Humans still deliver the judgment.

That is the work.

And yes, we may have taken the superhero theme a little seriously, but anyone who knows how competitive I am knows I have to ask…

Who wore the suit best? 👀

#MortgageAdvisor #NEOHomeLoans #SuperheroDay

[Ryan Grant @RyanGrantNEO]

@reidmcfadden @DukeMBB Dude, we gotta get you back next year. We all need “The Coach” on the team!

[Ryan Grant @RyanGrantNEO]

I've caught myself "guiding the ball" in business too.
Overthinking. Pressing. Trying not to miss.

My reset: Next play.

Not denial. Just discipline.
Extract the lesson, fix the mechanism, then show up for the next family with a clear head.

Because the moment you carry the last play into the next one, your judgment gets tight.

Where do you tend to get in your head most? A client shopping rate, a tough listing agent, or your own expectations?

#CoachK #mentorship #leadership #performance

[Ryan Grant @RyanGrantNEO]

If you're only valuable at the finish line, you're optional.

Top partnerships don't reward "mortgage conversion."
They reward client acquisition.

In your top 5 partnerships… are you driving growth, or servicing leftovers?

#MortgageAdvisor #RealEstatePartners $BETR

[Ryan Grant @RyanGrantNEO]

NEO + Better funded the first crypto-backed mortgage.

A Michigan family pledged Bitcoin for their down payment so they didn’t have to sell or trigger gains.

Not a margin call: we only count 40% of BTC (80% of stablecoin).

Mortgage Advisors: what would you need answered before you’d bring this to a family?

#NEOHomeLoans $BETR

[Ryan Grant @RyanGrantNEO]

This text came in from one of our elite advisors, and I smiled because it’s the whole point.

Not “work less.”
Work with structure... to create freedom.

Love getting these texts from really good humans we get to serve!

👏

[Ryan Grant @RyanGrantNEO]

After the AI webinar, I heard: “If AI handles more, how do we stay relevant?”
Wrong question.

When transactions get easy, relevance comes after closing.
RSVP: Thu June 18, 12pm CST: Mortgage Advisor job description for the AI era.

Link in bio.
#MortgageAdvisor #AIinMortgage

[Ryan Grant @RyanGrantNEO]

Frictionless digital mortgage vs real strategic guidance is a false choice.

Families need both: tech that removes busywork so a financially literate Mortgage Advisor can protect decisions.

That’s why we partnered with $BETR.

Speed only matters when it protects good decisions.

[Ryan Grant @RyanGrantNEO]

AI in mortgage isn’t human vs AI.

🏆 Winners blend trust, strategy, empathy + leadership with AI speed.

Let’s face it, families don’t care about your stack. They care about clarity, low friction, confidence, and guided support.

AI creates space for the most human work. Do you agree?

#MortgageAdvisor #AIinMortgage

[Duke Men’s Basketball @DukeMBB]

K Academy daily recap videos go crazy 😅😅

[Ryan Grant @RyanGrantNEO]

“Status on my client’s loan?”

Used to mean: reopen the file, ping the team, or guess.

Tinman (built in ChatGPT) gives the full status in seconds, from your phone. No file. No interruptions.

Replay in bio.

What pipeline question spikes your stress?

[Ryan Grant @RyanGrantNEO]

@HousingClayton Congrats dude, you guys had a great squad!

[Ryan Grant @RyanGrantNEO]

Walked into Brooks Field and they had a highlight reel running on the big screen.

Just a few days of camp footage.
But it hit me harder than I expected.

Because great programs do something simple:

🏆 They reflect you back to yourself with a higher standard.

#CoachKAcademy

[🏠🏘 Clayton Collins 🏡🏘 @HousingClayton]

@RyanGrantNEO 👀👀👀

[House of Duke Highlights @HouseofDukeHL]

One of the smoothest moves I’ve ever seen from a player at K Academy.

[Ryan Grant @RyanGrantNEO]

@NdotSmitty @Pp_doesit Appreciate that @Pp_doesit ! You should be here!

[Ryan Grant @RyanGrantNEO]

@NdotSmitty It’s all about the coaching!!