From Japan to the Mortgage Desk: Relationship-Driven Success (feat. Todd Brefeld)

On this episode of Business Over Beer Untapped, I catch up with longtime friend and fellow Passages to Success member, Todd Brefeld, a mortgage industry veteran with over 25 years of experience.Todd’s journey has taken him from Chicago to Hawaii, Japan, and finally the Pacific Northwest, but one thing has stayed consistent: his commitment to building authentic relationships. In this episode, Todd shares how personal connections—not algorithms—continue to drive his business forward, even in a challenging mortgage market.We dive into:Todd’s unique career path and his time living abroadThe entrepreneurial mindset required in the mortgage worldHis strategy of making 20 calls a day to build and maintain relationshipsMortgage market insights: why now could still be a great time to buyHow buyers can leverage seller concessions and rate buy-downsWhy balancing social media with in-person networking matters more than everWhether you’re in real estate, lending, or just running your own business, Todd’s insights on consistency, authenticity, and strategic thinking will resonate.🎧 Grab your favorite beer and join us for this conversation all about connection, business, and finding success the relationship-first way.💻 Connect with Todd Brefeld:Website: www.financingbytodd.comInstagram: @toddbrefeld.lenderFacebook: Todd Brefeld-Mortgage Lender🔗 Stay Connected with Business Over Beer:X: @bizoverbeerInstagram: @bizoverbeerpodcastTikTok: @bizoverbeerWebsite: www.bizoverbeer.comLinktree: https://linktr.ee/BizoverbeerpodcastFollow Ben: @ben_surratt on InstagramFollow Passages to Success: @passagestosuccess