Being Brutally Honest with Ricky Carruth

On this episode of The Brutally Honest Loan Officer Podcast, we are thrilled to welcome real estate superstar Ricky Carruth. Ricky shares his raw and unfiltered journey from a college dropout to becoming a top real estate agent and coach. Known for his "relationships over transactions" philosophy, Ricky dives deep into why building genuine connections is the key to success in real estate—and how this approach helped him survive the 2008 market crash and come back stronger than ever. We also discuss the recent NAR commission settlement and how Ricky believes it could reshape the industry (for the better). If you're looking to thrive in a tough market, Ricky’s strategies on cold calling, consistent follow-up, and long-term branding will give you the tools you need to crush it. What You'll Learn in This Episode: Ricky's unique approach to building a real estate career How to survive market downturns with the right mindset and strategy The truth about cold calling and why it's still essential Why the NAR commission settlement might be a good thing for agents Ricky's top book recommendations for real estate agents Tune in for some brutally honest advice that can transform your real estate or lending business! Connect with Ricky Carruth: 📷 Instagram: @rickycarruth 🌐 Website: zerotodiamond.com 🎥 YouTube: Ricky Carruth Follow us on Instagram: 📷 Derick Brown: @derick_does_mortgages 📷 Stephen Brock: @stephenbrock_mortgage Don’t forget to subscribe and leave a review if you enjoyed the episode!