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Let’s cut straight to it: AI is not the future of the mortgage industry. It is the present.
And if we’re being honest? You have two choices: Get run over by the bus… or hop on, take the wheel, and let it take you further, faster, than you’ve ever gone before.
The professionals — especially the women — who are embracing AI right now are not just keeping pace. They’re not just ‘in the game.’ They are blowing up their industries in bold, undeniable ways.
They’re the ones building bulletproof, scalable systems while others are still drowning in emails. They’re increasing their volume, leveling up their team’s efficiency, and creating a level of personal brand visibility that used to take an entire marketing department to manage.
AI isn’t replacing them. It’s amplifying them.
Before we dive into the how, let’s address the elephant in the room. It’s the single biggest misconception I hear from the sharpest women I know:
“AI sounds generic.” “AI won’t sound like me.” “AI can’t possibly capture my personality, my empathy, or my unique voice.”
Let me be clear: AI only sounds generic when you feed it generic inputs.
Asking AI to “write a blog post about interest rates” is like hiring a brilliant, world-class chef and asking them to “just make some food.” You’ll get something edible, but it won’t be your signature dish.
But when you give it your stories, your tone, your quirks, your humor, your values, and your hard-won opinions — it doesn’t just reflect your voice. It evolves it.
It becomes your creative partner. Your second brain. Your accelerator.
It’s not a replacement. It’s not a shortcut. It’s not a threat. It’s an exponent. It’s an amplifier. It is a clarity engine.
And in an industry like ours — one that runs on precision, compliance, complex communication, reliability, and trust — having a tool that makes your thinking sharper and your work faster isn’t just a game changer — it’s a revolution.
If you walk away with only one sentence from this article, let it be this: AI is not a “do it for you” tool. It’s a “do it better, faster, and smarter” tool.
Think of AI as the most brilliant, efficient, and affordable colleague you’ve ever had.
This colleague:
Expands your half-formed ideas into full-blown strategies.
Challenges your blind spots and asks, “Have you considered this?”
Organizes the chaos of your inbox, your guidelines, and your brain.
Sharpens your messaging so it lands with clarity and impact.
Speeds up your most tedious workflows.
Catches the small mistakes and compliance gaps you didn’t notice.
And pushes you, relentlessly, into your highest level of excellence.
This colleague works 24/7, never gets tired, and costs less than a week of your Starbies habit.
It doesn’t think for you. It helps you think like the best version of you. Anytime, anywhere.
That is the magic.
AI isn’t just for tech people. You don’t need to know Python or coding. You don’t need to be a “creative” or a marketer.
If you know how to think, ask questions, and solve problems — AI is your tool. Let’s be real here, we work in mortgage, isn’t that kind of our MO? And whether you’re in sales or operations, AI makes your work faster, cleaner, sharper, and more aligned.
Let me be clear: AI only sounds generic when you feed it generic inputs.
This isn’t just about speed; it’s about scale and connection. AI will help you:
Write emails that convert (in your voice, not a canned template).
Brainstorm an entire month’s worth of video scripts for social media.
Draft compelling, educational content for your referral partners and clients.
Generate hyper-specific marketing campaigns tailored to your ideal client (e.g., “first-time homebuyers in this zip code” or “VA buyers”).
Build lead-nurture sequences that actually build trust and sound human.
Turn 80 pages of complex mortgage guidelines into simple, compelling messaging.
Create educational presentations, workshop outlines, and speaking proposals.
Roleplay difficult conversations, like handling rate objections or prepping for a tough realtor meeting.
AI can take your half-formed idea for a client newsletter and turn it into a polished, insightful script in minutes. And because you control the final product, it still feels like you — just the you from your most focused, well-rested, and articulate day.
AI isn’t just creative — it’s insanely functional. This is about precision and efficiency. AI helps you:
Build detailed SOPs and workflows 10x faster.
Turn dense underwriting guidelines into clear, scannable summaries anyone on the team can understand.
Create step-by-step job aids, checklists, and screen-share video scripts for training new hires.
Draft complex ‘needs-list’ emails or update requests with exceptional clarity and empathy.
Build checklists for file intake, pre-underwriting reviews, and post-closing QC.
Standardize processes across the entire team to eliminate “that’s just how I do it” gaps.
Document and improve your systems in minutes, not months.
Summarize long email threads or meeting transcripts into actionable to-do lists.
Imagine onboarding a new hire with a fully personalized 30-day training plan, custom workflow maps, pre-written email templates, and step-by-step process guides — all created in under an hour. That’s what AI can do.
I don’t speak about AI from theory. I speak from daily practice. I use AI to accelerate almost every part of my businesses — PBJ Mortgage and Financial Mastery Simplified.
Think of AI as the most brilliant, efficient, and affordable colleague you’ve ever had.
Here are just a few ways I use it every single day:
Content Creation: When my brain is fried but I need to post something helpful online, AI expands a small thought into a powerful message — in my voice, with my analogies, and my brand personality.
Marketing Strategy: AI gives me new angles, concepts, hooks, and story-driven marketing I wouldn’t have thought of on my own.
Video & Podcast Scripts: Every script for PBJ Mortgage TV or my podcasts starts with AI and ends with my edits — saving hours and giving me a polished message, fast.
Hiring & Training Workflows: AI helps me build onboarding systems, training guides, comprehensive job descriptions, and evaluation tools in minutes instead of weeks.
High-Level Strategy: Sometimes I use AI as my personal sounding board. I’ll feed it a new business idea and say, “Act as a multi-million dollar CEO. Challenge me.” And it will ask me the exact hard questions I didn’t think to ask myself.
It’s like having a chief strategist, a creative director, a copywriter, and an operations leader — all in one tool.
Let’s speak directly to the women reading this — the leaders, the changemakers, the doers, the ones carrying both the responsibility and the vision.
For decades, women in this industry have thrived by leveraging their natural strengths:
Intuition
Empathy
Deep communication
Holistic problem-solving
Relational understanding
And an uncanny ability to see and connect patterns that others miss.
AI amplifies all of it.
This isn’t just another piece of tech. This is a tool that supercharges our greatest assets.
Women who adopt AI early are:
Building powerful personal brands faster.
Drastically reducing burnout by automating the “busywork” that drains them.
Simplifying complex workflows and creating scalable, sellable businesses.
Scaling their authority and impact beyond their one-to-one limitations.
Freeing up critical time for family, personal growth, and high-level leadership.
Stepping confidently into visibility because they know their systems can handle the growth.
Shaping the industry from the front, not the sidelines.
If you know how to think, ask questions, and solve problems — AI is your tool. Let’s be real here, we work in mortgage, isn’t that kind of our MO?
AI is the great equalizer. In an industry often dominated by “old-school” thinking, it gives women the leverage to out-maneuver, out-perform, and out-build the status quo. It gives us the tools and leverage we’ve always deserved — but haven’t always been given.
The mortgage industry is evolving. Technology is accelerating. Consumer expectations are rising. This is one of those rare inflection points where the people who embrace the change earn an advantage that compounds for years.
The question isn’t: “Will AI change my role?” The real question is: “Will I use AI to elevate the way I show up, lead, and perform?”
Because the women who choose that path? They’re not waiting for permission. They’re not overthinking whether they’re “techy” enough. They’re not scared of losing their voice.
They’re using AI to amplify their impact — and redefine what’s possible in our industry.
AI isn’t here to take your job. It’s here to take the parts of your job that drain you — and give you back your brilliance.
Use it as your accelerator. Use it as your partner. Use it as your competitive advantage.
Because the women who harness AI today will be the leaders everyone admires tomorrow.
And I’d bet on those women every single time.
You’re ready to get on the bus. But how do you start driving?
Remember: AI only sounds generic when you feed it generic inputs.
The secret to getting “super solid output” isn’t just what you ask AI; it’s what you ask yourself first. Before you type your next prompt, stop. Answer these questions for yourself, and then feed your answers to the AI.
This is how you get your spin, your voice, and your brilliance, amplified.
Instead of asking AI: “Write a video script about interest rates.” First, ask yourself:
What’s a specific story I have about a client who was terrified of rates but is now in their dream home?
AI is the great equalizer. In an industry often dominated by “old-school” thinking, it gives women the leverage to out-maneuver, out-perform, and out-build the status quo.
What’s the one analogy I always use to make rates “click” (e.g., “it’s like a subscription cost for the house”)?
What’s the exact emotion I want the viewer to feel at the end? (e.g., “reassured,” “empowered,” “curious”).
Then, tell your AI: “Act as a mortgage strategist in my voice (empathetic, direct, and witty). Write a 60-second video script based on this specific client story: [your story]. Use my analogy [your analogy]. The goal is to make viewers feel [your emotion] and bust the myth that rates are the only thing that matters.”
Instead of asking AI: “Write a marketing email to realtors.”First, ask yourself:
AI isn’t here to take your job. It’s here to take the parts of your job that drain you — and give you back your brilliance.
What is the one thing I do for my realtor partners that they actually value? (e.g., “I pick up my phone on Saturdays,” “My operations team is faster than anyone else”).
What is their biggest pain point this week? (e.g., “slow closings,” “uncommunicative lenders”).
What is the one simple call-to-action I want? (e.g., “Reply with ‘coffee’ and I’ll buy,” “Forward this to your new agent”).
Then, tell your AI: “Act as a top-producing LO who partners with elite realtors. Draft a short, compelling email to a realtor I want to work with. The email must highlight my unique value prop of [your value prop] and show I can solve their pain point of [their pain point]. The tone should be confident, concise, and professional. End with the call-to-action: [your CTA].”
Instead of asking AI: “Create an SOP for onboarding a new file.” First, ask yourself:
What are the exact 10 steps in our current (messy) process?
Where is the single biggest failure point? (e.g., “Step 4: We always forget to order the title,” “Step 7: The ‘needs list’ email is unclear”).
What is the cost of that failure? (e.g., “a two-day delay,” “a frustrated client”).
Then, tell your AI: “Act as an expert mortgage operations consultant. I need to create a detailed SOP for our file intake process. Here are the 10 current steps: [list your steps]. The biggest bottleneck is at [your failure point], which causes [your cost]. Create a new 10-step checklist that builds in a specific quality control check at that exact step to prevent the failure. The tone must be clear, direct, and unambiguous for a new hire.”
Instead of asking AI: “Write a training guide for a new processor.” First, ask yourself:
What are the three costliest mistakes a new processor can make? (e.g., “miscalculating income,” “issuing an inaccurate needs list,” “not reading guidelines”).
What’s the one core principle I wish they understood from Day One? (e.g., “Communicate, communicate, communicate,” “Assume nothing, verify everything”).
What is a real-life, anonymous example of when a mistake happened and how it was fixed?
Then, tell your AI: “Act as a lead underwriter and master trainer. Create a ‘First 30 Days’ training module for a new processor. The module must be built around my core principle of [your principle]. Focus on preventing these three critical mistakes: [list the mistakes]. For each mistake, explain why it’s critical and how to prevent it. Include a section for a short, anonymous case study based on this scenario: [your example].”
Jax Crider is managing partner at PBJ Mortgage LLC.
Let’s cut straight to it: AI is not the future of the mortgage industry. It is the present.
And if we’re being honest? You have two choices: Get run over by the bus… or hop on, take the wheel, and let it take you further, faster, than you’ve ever gone before.
The professionals — especially the women — who are embracing AI right now are not just keeping pace. They’re not just ‘in the game.’ They are blowing up their industries in bold, undeniable ways.
They’re the ones building bulletproof, scalable systems while others are still drowning in emails. They’re increasing their volume, leveling up their team’s efficiency, and creating a level of personal brand visibility that used to take an entire marketing department to manage.
AI isn’t replacing them. It’s amplifying them.
Before we dive into the how, let’s address the elephant in the room. It’s the single biggest misconception I hear from the sharpest women I know:
“AI sounds generic.” “AI won’t sound like me.” “AI can’t possibly capture my personality, my empathy, or my unique voice.”
Let me be clear: AI only sounds generic when you feed it generic inputs.
Asking AI to “write a blog post about interest rates” is like hiring a brilliant, world-class chef and asking them to “just make some food.” You’ll get something edible, but it won’t be your signature dish.
But when you give it your stories, your tone, your quirks, your humor, your values, and your hard-won opinions — it doesn’t just reflect your voice. It evolves it.
It becomes your creative partner. Your second brain. Your accelerator.
It’s not a replacement. It’s not a shortcut. It’s not a threat. It’s an exponent. It’s an amplifier. It is a clarity engine.
And in an industry like ours — one that runs on precision, compliance, complex communication, reliability, and trust — having a tool that makes your thinking sharper and your work faster isn’t just a game changer — it’s a revolution.
If you walk away with only one sentence from this article, let it be this: AI is not a “do it for you” tool. It’s a “do it better, faster, and smarter” tool.
Think of AI as the most brilliant, efficient, and affordable colleague you’ve ever had.
This colleague:
Expands your half-formed ideas into full-blown strategies.
Challenges your blind spots and asks, “Have you considered this?”
Organizes the chaos of your inbox, your guidelines, and your brain.
Sharpens your messaging so it lands with clarity and impact.
Speeds up your most tedious workflows.
Catches the small mistakes and compliance gaps you didn’t notice.
And pushes you, relentlessly, into your highest level of excellence.
This colleague works 24/7, never gets tired, and costs less than a week of your Starbies habit.
It doesn’t think for you. It helps you think like the best version of you. Anytime, anywhere.
That is the magic.
AI isn’t just for tech people. You don’t need to know Python or coding. You don’t need to be a “creative” or a marketer.
If you know how to think, ask questions, and solve problems — AI is your tool. Let’s be real here, we work in mortgage, isn’t that kind of our MO? And whether you’re in sales or operations, AI makes your work faster, cleaner, sharper, and more aligned.
Let me be clear: AI only sounds generic when you feed it generic inputs.
This isn’t just about speed; it’s about scale and connection. AI will help you:
Write emails that convert (in your voice, not a canned template).
Brainstorm an entire month’s worth of video scripts for social media.
Draft compelling, educational content for your referral partners and clients.
Generate hyper-specific marketing campaigns tailored to your ideal client (e.g., “first-time homebuyers in this zip code” or “VA buyers”).
Build lead-nurture sequences that actually build trust and sound human.
Turn 80 pages of complex mortgage guidelines into simple, compelling messaging.
Create educational presentations, workshop outlines, and speaking proposals.
Roleplay difficult conversations, like handling rate objections or prepping for a tough realtor meeting.
AI can take your half-formed idea for a client newsletter and turn it into a polished, insightful script in minutes. And because you control the final product, it still feels like you — just the you from your most focused, well-rested, and articulate day.
AI isn’t just creative — it’s insanely functional. This is about precision and efficiency. AI helps you:
Build detailed SOPs and workflows 10x faster.
Turn dense underwriting guidelines into clear, scannable summaries anyone on the team can understand.
Create step-by-step job aids, checklists, and screen-share video scripts for training new hires.
Draft complex ‘needs-list’ emails or update requests with exceptional clarity and empathy.
Build checklists for file intake, pre-underwriting reviews, and post-closing QC.
Standardize processes across the entire team to eliminate “that’s just how I do it” gaps.
Document and improve your systems in minutes, not months.
Summarize long email threads or meeting transcripts into actionable to-do lists.
Imagine onboarding a new hire with a fully personalized 30-day training plan, custom workflow maps, pre-written email templates, and step-by-step process guides — all created in under an hour. That’s what AI can do.
I don’t speak about AI from theory. I speak from daily practice. I use AI to accelerate almost every part of my businesses — PBJ Mortgage and Financial Mastery Simplified.
Think of AI as the most brilliant, efficient, and affordable colleague you’ve ever had.
Here are just a few ways I use it every single day:
Content Creation: When my brain is fried but I need to post something helpful online, AI expands a small thought into a powerful message — in my voice, with my analogies, and my brand personality.
Marketing Strategy: AI gives me new angles, concepts, hooks, and story-driven marketing I wouldn’t have thought of on my own.
Video & Podcast Scripts: Every script for PBJ Mortgage TV or my podcasts starts with AI and ends with my edits — saving hours and giving me a polished message, fast.
Hiring & Training Workflows: AI helps me build onboarding systems, training guides, comprehensive job descriptions, and evaluation tools in minutes instead of weeks.
High-Level Strategy: Sometimes I use AI as my personal sounding board. I’ll feed it a new business idea and say, “Act as a multi-million dollar CEO. Challenge me.” And it will ask me the exact hard questions I didn’t think to ask myself.
It’s like having a chief strategist, a creative director, a copywriter, and an operations leader — all in one tool.
Let’s speak directly to the women reading this — the leaders, the changemakers, the doers, the ones carrying both the responsibility and the vision.
For decades, women in this industry have thrived by leveraging their natural strengths:
Intuition
Empathy
Deep communication
Holistic problem-solving
Relational understanding
And an uncanny ability to see and connect patterns that others miss.
AI amplifies all of it.
This isn’t just another piece of tech. This is a tool that supercharges our greatest assets.
Women who adopt AI early are:
Building powerful personal brands faster.
Drastically reducing burnout by automating the “busywork” that drains them.
Simplifying complex workflows and creating scalable, sellable businesses.
Scaling their authority and impact beyond their one-to-one limitations.
Freeing up critical time for family, personal growth, and high-level leadership.
Stepping confidently into visibility because they know their systems can handle the growth.
Shaping the industry from the front, not the sidelines.
If you know how to think, ask questions, and solve problems — AI is your tool. Let’s be real here, we work in mortgage, isn’t that kind of our MO?
AI is the great equalizer. In an industry often dominated by “old-school” thinking, it gives women the leverage to out-maneuver, out-perform, and out-build the status quo. It gives us the tools and leverage we’ve always deserved — but haven’t always been given.
The mortgage industry is evolving. Technology is accelerating. Consumer expectations are rising. This is one of those rare inflection points where the people who embrace the change earn an advantage that compounds for years.
The question isn’t: “Will AI change my role?” The real question is: “Will I use AI to elevate the way I show up, lead, and perform?”
Because the women who choose that path? They’re not waiting for permission. They’re not overthinking whether they’re “techy” enough. They’re not scared of losing their voice.
They’re using AI to amplify their impact — and redefine what’s possible in our industry.
AI isn’t here to take your job. It’s here to take the parts of your job that drain you — and give you back your brilliance.
Use it as your accelerator. Use it as your partner. Use it as your competitive advantage.
Because the women who harness AI today will be the leaders everyone admires tomorrow.
And I’d bet on those women every single time.
You’re ready to get on the bus. But how do you start driving?
Remember: AI only sounds generic when you feed it generic inputs.
The secret to getting “super solid output” isn’t just what you ask AI; it’s what you ask yourself first. Before you type your next prompt, stop. Answer these questions for yourself, and then feed your answers to the AI.
This is how you get your spin, your voice, and your brilliance, amplified.
Instead of asking AI: “Write a video script about interest rates.” First, ask yourself:
What’s a specific story I have about a client who was terrified of rates but is now in their dream home?
AI is the great equalizer. In an industry often dominated by “old-school” thinking, it gives women the leverage to out-maneuver, out-perform, and out-build the status quo.
What’s the one analogy I always use to make rates “click” (e.g., “it’s like a subscription cost for the house”)?
What’s the exact emotion I want the viewer to feel at the end? (e.g., “reassured,” “empowered,” “curious”).
Then, tell your AI: “Act as a mortgage strategist in my voice (empathetic, direct, and witty). Write a 60-second video script based on this specific client story: [your story]. Use my analogy [your analogy]. The goal is to make viewers feel [your emotion] and bust the myth that rates are the only thing that matters.”
Instead of asking AI: “Write a marketing email to realtors.”First, ask yourself:
AI isn’t here to take your job. It’s here to take the parts of your job that drain you — and give you back your brilliance.
What is the one thing I do for my realtor partners that they actually value? (e.g., “I pick up my phone on Saturdays,” “My operations team is faster than anyone else”).
What is their biggest pain point this week? (e.g., “slow closings,” “uncommunicative lenders”).
What is the one simple call-to-action I want? (e.g., “Reply with ‘coffee’ and I’ll buy,” “Forward this to your new agent”).
Then, tell your AI: “Act as a top-producing LO who partners with elite realtors. Draft a short, compelling email to a realtor I want to work with. The email must highlight my unique value prop of [your value prop] and show I can solve their pain point of [their pain point]. The tone should be confident, concise, and professional. End with the call-to-action: [your CTA].”
Instead of asking AI: “Create an SOP for onboarding a new file.” First, ask yourself:
What are the exact 10 steps in our current (messy) process?
Where is the single biggest failure point? (e.g., “Step 4: We always forget to order the title,” “Step 7: The ‘needs list’ email is unclear”).
What is the cost of that failure? (e.g., “a two-day delay,” “a frustrated client”).
Then, tell your AI: “Act as an expert mortgage operations consultant. I need to create a detailed SOP for our file intake process. Here are the 10 current steps: [list your steps]. The biggest bottleneck is at [your failure point], which causes [your cost]. Create a new 10-step checklist that builds in a specific quality control check at that exact step to prevent the failure. The tone must be clear, direct, and unambiguous for a new hire.”
Instead of asking AI: “Write a training guide for a new processor.” First, ask yourself:
What are the three costliest mistakes a new processor can make? (e.g., “miscalculating income,” “issuing an inaccurate needs list,” “not reading guidelines”).
What’s the one core principle I wish they understood from Day One? (e.g., “Communicate, communicate, communicate,” “Assume nothing, verify everything”).
What is a real-life, anonymous example of when a mistake happened and how it was fixed?
Then, tell your AI: “Act as a lead underwriter and master trainer. Create a ‘First 30 Days’ training module for a new processor. The module must be built around my core principle of [your principle]. Focus on preventing these three critical mistakes: [list the mistakes]. For each mistake, explain why it’s critical and how to prevent it. Include a section for a short, anonymous case study based on this scenario: [your example].”
Jax Crider is managing partner at PBJ Mortgage LLC.
Let’s cut straight to it: AI is not the future of the mortgage industry. It is the present.
And if we’re being honest? You have two choices: Get run over by the bus… or hop on, take the wheel, and let it take you further, faster, than you’ve ever gone before.
The professionals — especially the women — who are embracing AI right now are not just keeping pace. They’re not just ‘in the game.’ They are blowing up their industries in bold, undeniable ways.
They’re the ones building bulletproof, scalable systems while others are still drowning in emails. They’re increasing their volume, leveling up their team’s efficiency, and creating a level of personal brand visibility that used to take an entire marketing department to manage.
AI isn’t replacing them. It’s amplifying them.
Before we dive into the how, let’s address the elephant in the room. It’s the single biggest misconception I hear from the sharpest women I know:
“AI sounds generic.” “AI won’t sound like me.” “AI can’t possibly capture my personality, my empathy, or my unique voice.”
Let me be clear: AI only sounds generic when you feed it generic inputs.
Asking AI to “write a blog post about interest rates” is like hiring a brilliant, world-class chef and asking them to “just make some food.” You’ll get something edible, but it won’t be your signature dish.
But when you give it your stories, your tone, your quirks, your humor, your values, and your hard-won opinions — it doesn’t just reflect your voice. It evolves it.
It becomes your creative partner. Your second brain. Your accelerator.
It’s not a replacement. It’s not a shortcut. It’s not a threat. It’s an exponent. It’s an amplifier. It is a clarity engine.
And in an industry like ours — one that runs on precision, compliance, complex communication, reliability, and trust — having a tool that makes your thinking sharper and your work faster isn’t just a game changer — it’s a revolution.
If you walk away with only one sentence from this article, let it be this: AI is not a “do it for you” tool. It’s a “do it better, faster, and smarter” tool.
Think of AI as the most brilliant, efficient, and affordable colleague you’ve ever had.
This colleague:
Expands your half-formed ideas into full-blown strategies.
Challenges your blind spots and asks, “Have you considered this?”
Organizes the chaos of your inbox, your guidelines, and your brain.
Sharpens your messaging so it lands with clarity and impact.
Speeds up your most tedious workflows.
Catches the small mistakes and compliance gaps you didn’t notice.
And pushes you, relentlessly, into your highest level of excellence.
This colleague works 24/7, never gets tired, and costs less than a week of your Starbies habit.
It doesn’t think for you. It helps you think like the best version of you. Anytime, anywhere.
That is the magic.
AI isn’t just for tech people. You don’t need to know Python or coding. You don’t need to be a “creative” or a marketer.
If you know how to think, ask questions, and solve problems — AI is your tool. Let’s be real here, we work in mortgage, isn’t that kind of our MO? And whether you’re in sales or operations, AI makes your work faster, cleaner, sharper, and more aligned.
Let me be clear: AI only sounds generic when you feed it generic inputs.
This isn’t just about speed; it’s about scale and connection. AI will help you:
Write emails that convert (in your voice, not a canned template).
Brainstorm an entire month’s worth of video scripts for social media.
Draft compelling, educational content for your referral partners and clients.
Generate hyper-specific marketing campaigns tailored to your ideal client (e.g., “first-time homebuyers in this zip code” or “VA buyers”).
Build lead-nurture sequences that actually build trust and sound human.
Turn 80 pages of complex mortgage guidelines into simple, compelling messaging.
Create educational presentations, workshop outlines, and speaking proposals.
Roleplay difficult conversations, like handling rate objections or prepping for a tough realtor meeting.
AI can take your half-formed idea for a client newsletter and turn it into a polished, insightful script in minutes. And because you control the final product, it still feels like you — just the you from your most focused, well-rested, and articulate day.
AI isn’t just creative — it’s insanely functional. This is about precision and efficiency. AI helps you:
Build detailed SOPs and workflows 10x faster.
Turn dense underwriting guidelines into clear, scannable summaries anyone on the team can understand.
Create step-by-step job aids, checklists, and screen-share video scripts for training new hires.
Draft complex ‘needs-list’ emails or update requests with exceptional clarity and empathy.
Build checklists for file intake, pre-underwriting reviews, and post-closing QC.
Standardize processes across the entire team to eliminate “that’s just how I do it” gaps.
Document and improve your systems in minutes, not months.
Summarize long email threads or meeting transcripts into actionable to-do lists.
Imagine onboarding a new hire with a fully personalized 30-day training plan, custom workflow maps, pre-written email templates, and step-by-step process guides — all created in under an hour. That’s what AI can do.
I don’t speak about AI from theory. I speak from daily practice. I use AI to accelerate almost every part of my businesses — PBJ Mortgage and Financial Mastery Simplified.
Think of AI as the most brilliant, efficient, and affordable colleague you’ve ever had.
Here are just a few ways I use it every single day:
Content Creation: When my brain is fried but I need to post something helpful online, AI expands a small thought into a powerful message — in my voice, with my analogies, and my brand personality.
Marketing Strategy: AI gives me new angles, concepts, hooks, and story-driven marketing I wouldn’t have thought of on my own.
Video & Podcast Scripts: Every script for PBJ Mortgage TV or my podcasts starts with AI and ends with my edits — saving hours and giving me a polished message, fast.
Hiring & Training Workflows: AI helps me build onboarding systems, training guides, comprehensive job descriptions, and evaluation tools in minutes instead of weeks.
High-Level Strategy: Sometimes I use AI as my personal sounding board. I’ll feed it a new business idea and say, “Act as a multi-million dollar CEO. Challenge me.” And it will ask me the exact hard questions I didn’t think to ask myself.
It’s like having a chief strategist, a creative director, a copywriter, and an operations leader — all in one tool.
Let’s speak directly to the women reading this — the leaders, the changemakers, the doers, the ones carrying both the responsibility and the vision.
For decades, women in this industry have thrived by leveraging their natural strengths:
Intuition
Empathy
Deep communication
Holistic problem-solving
Relational understanding
And an uncanny ability to see and connect patterns that others miss.
AI amplifies all of it.
This isn’t just another piece of tech. This is a tool that supercharges our greatest assets.
Women who adopt AI early are:
Building powerful personal brands faster.
Drastically reducing burnout by automating the “busywork” that drains them.
Simplifying complex workflows and creating scalable, sellable businesses.
Scaling their authority and impact beyond their one-to-one limitations.
Freeing up critical time for family, personal growth, and high-level leadership.
Stepping confidently into visibility because they know their systems can handle the growth.
Shaping the industry from the front, not the sidelines.
If you know how to think, ask questions, and solve problems — AI is your tool. Let’s be real here, we work in mortgage, isn’t that kind of our MO?
AI is the great equalizer. In an industry often dominated by “old-school” thinking, it gives women the leverage to out-maneuver, out-perform, and out-build the status quo. It gives us the tools and leverage we’ve always deserved — but haven’t always been given.
The mortgage industry is evolving. Technology is accelerating. Consumer expectations are rising. This is one of those rare inflection points where the people who embrace the change earn an advantage that compounds for years.
The question isn’t: “Will AI change my role?” The real question is: “Will I use AI to elevate the way I show up, lead, and perform?”
Because the women who choose that path? They’re not waiting for permission. They’re not overthinking whether they’re “techy” enough. They’re not scared of losing their voice.
They’re using AI to amplify their impact — and redefine what’s possible in our industry.
AI isn’t here to take your job. It’s here to take the parts of your job that drain you — and give you back your brilliance.
Use it as your accelerator. Use it as your partner. Use it as your competitive advantage.
Because the women who harness AI today will be the leaders everyone admires tomorrow.
And I’d bet on those women every single time.
You’re ready to get on the bus. But how do you start driving?
Remember: AI only sounds generic when you feed it generic inputs.
The secret to getting “super solid output” isn’t just what you ask AI; it’s what you ask yourself first. Before you type your next prompt, stop. Answer these questions for yourself, and then feed your answers to the AI.
This is how you get your spin, your voice, and your brilliance, amplified.
Instead of asking AI: “Write a video script about interest rates.” First, ask yourself:
What’s a specific story I have about a client who was terrified of rates but is now in their dream home?
AI is the great equalizer. In an industry often dominated by “old-school” thinking, it gives women the leverage to out-maneuver, out-perform, and out-build the status quo.
What’s the one analogy I always use to make rates “click” (e.g., “it’s like a subscription cost for the house”)?
What’s the exact emotion I want the viewer to feel at the end? (e.g., “reassured,” “empowered,” “curious”).
Then, tell your AI: “Act as a mortgage strategist in my voice (empathetic, direct, and witty). Write a 60-second video script based on this specific client story: [your story]. Use my analogy [your analogy]. The goal is to make viewers feel [your emotion] and bust the myth that rates are the only thing that matters.”
Instead of asking AI: “Write a marketing email to realtors.”First, ask yourself:
AI isn’t here to take your job. It’s here to take the parts of your job that drain you — and give you back your brilliance.
What is the one thing I do for my realtor partners that they actually value? (e.g., “I pick up my phone on Saturdays,” “My operations team is faster than anyone else”).
What is their biggest pain point this week? (e.g., “slow closings,” “uncommunicative lenders”).
What is the one simple call-to-action I want? (e.g., “Reply with ‘coffee’ and I’ll buy,” “Forward this to your new agent”).
Then, tell your AI: “Act as a top-producing LO who partners with elite realtors. Draft a short, compelling email to a realtor I want to work with. The email must highlight my unique value prop of [your value prop] and show I can solve their pain point of [their pain point]. The tone should be confident, concise, and professional. End with the call-to-action: [your CTA].”
Instead of asking AI: “Create an SOP for onboarding a new file.” First, ask yourself:
What are the exact 10 steps in our current (messy) process?
Where is the single biggest failure point? (e.g., “Step 4: We always forget to order the title,” “Step 7: The ‘needs list’ email is unclear”).
What is the cost of that failure? (e.g., “a two-day delay,” “a frustrated client”).
Then, tell your AI: “Act as an expert mortgage operations consultant. I need to create a detailed SOP for our file intake process. Here are the 10 current steps: [list your steps]. The biggest bottleneck is at [your failure point], which causes [your cost]. Create a new 10-step checklist that builds in a specific quality control check at that exact step to prevent the failure. The tone must be clear, direct, and unambiguous for a new hire.”
Instead of asking AI: “Write a training guide for a new processor.” First, ask yourself:
What are the three costliest mistakes a new processor can make? (e.g., “miscalculating income,” “issuing an inaccurate needs list,” “not reading guidelines”).
What’s the one core principle I wish they understood from Day One? (e.g., “Communicate, communicate, communicate,” “Assume nothing, verify everything”).
What is a real-life, anonymous example of when a mistake happened and how it was fixed?
Then, tell your AI: “Act as a lead underwriter and master trainer. Create a ‘First 30 Days’ training module for a new processor. The module must be built around my core principle of [your principle]. Focus on preventing these three critical mistakes: [list the mistakes]. For each mistake, explain why it’s critical and how to prevent it. Include a section for a short, anonymous case study based on this scenario: [your example].”
Jax Crider is managing partner at PBJ Mortgage LLC.
Let’s cut straight to it: AI is not the future of the mortgage industry. It is the present.
And if we’re being honest? You have two choices: Get run over by the bus… or hop on, take the wheel, and let it take you further, faster, than you’ve ever gone before.
The professionals — especially the women — who are embracing AI right now are not just keeping pace. They’re not just ‘in the game.’ They are blowing up their industries in bold, undeniable ways.
They’re the ones building bulletproof, scalable systems while others are still drowning in emails. They’re increasing their volume, leveling up their team’s efficiency, and creating a level of personal brand visibility that used to take an entire marketing department to manage.
AI isn’t replacing them. It’s amplifying them.
Before we dive into the how, let’s address the elephant in the room. It’s the single biggest misconception I hear from the sharpest women I know:
“AI sounds generic.” “AI won’t sound like me.” “AI can’t possibly capture my personality, my empathy, or my unique voice.”
Let me be clear: AI only sounds generic when you feed it generic inputs.
Asking AI to “write a blog post about interest rates” is like hiring a brilliant, world-class chef and asking them to “just make some food.” You’ll get something edible, but it won’t be your signature dish.
But when you give it your stories, your tone, your quirks, your humor, your values, and your hard-won opinions — it doesn’t just reflect your voice. It evolves it.
It becomes your creative partner. Your second brain. Your accelerator.
It’s not a replacement. It’s not a shortcut. It’s not a threat. It’s an exponent. It’s an amplifier. It is a clarity engine.
And in an industry like ours — one that runs on precision, compliance, complex communication, reliability, and trust — having a tool that makes your thinking sharper and your work faster isn’t just a game changer — it’s a revolution.
If you walk away with only one sentence from this article, let it be this: AI is not a “do it for you” tool. It’s a “do it better, faster, and smarter” tool.
Think of AI as the most brilliant, efficient, and affordable colleague you’ve ever had.
This colleague:
Expands your half-formed ideas into full-blown strategies.
Challenges your blind spots and asks, “Have you considered this?”
Organizes the chaos of your inbox, your guidelines, and your brain.
Sharpens your messaging so it lands with clarity and impact.
Speeds up your most tedious workflows.
Catches the small mistakes and compliance gaps you didn’t notice.
And pushes you, relentlessly, into your highest level of excellence.
This colleague works 24/7, never gets tired, and costs less than a week of your Starbies habit.
It doesn’t think for you. It helps you think like the best version of you. Anytime, anywhere.
That is the magic.
AI isn’t just for tech people. You don’t need to know Python or coding. You don’t need to be a “creative” or a marketer.
If you know how to think, ask questions, and solve problems — AI is your tool. Let’s be real here, we work in mortgage, isn’t that kind of our MO? And whether you’re in sales or operations, AI makes your work faster, cleaner, sharper, and more aligned.
Let me be clear: AI only sounds generic when you feed it generic inputs.
This isn’t just about speed; it’s about scale and connection. AI will help you:
Write emails that convert (in your voice, not a canned template).
Brainstorm an entire month’s worth of video scripts for social media.
Draft compelling, educational content for your referral partners and clients.
Generate hyper-specific marketing campaigns tailored to your ideal client (e.g., “first-time homebuyers in this zip code” or “VA buyers”).
Build lead-nurture sequences that actually build trust and sound human.
Turn 80 pages of complex mortgage guidelines into simple, compelling messaging.
Create educational presentations, workshop outlines, and speaking proposals.
Roleplay difficult conversations, like handling rate objections or prepping for a tough realtor meeting.
AI can take your half-formed idea for a client newsletter and turn it into a polished, insightful script in minutes. And because you control the final product, it still feels like you — just the you from your most focused, well-rested, and articulate day.
AI isn’t just creative — it’s insanely functional. This is about precision and efficiency. AI helps you:
Build detailed SOPs and workflows 10x faster.
Turn dense underwriting guidelines into clear, scannable summaries anyone on the team can understand.
Create step-by-step job aids, checklists, and screen-share video scripts for training new hires.
Draft complex ‘needs-list’ emails or update requests with exceptional clarity and empathy.
Build checklists for file intake, pre-underwriting reviews, and post-closing QC.
Standardize processes across the entire team to eliminate “that’s just how I do it” gaps.
Document and improve your systems in minutes, not months.
Summarize long email threads or meeting transcripts into actionable to-do lists.
Imagine onboarding a new hire with a fully personalized 30-day training plan, custom workflow maps, pre-written email templates, and step-by-step process guides — all created in under an hour. That’s what AI can do.
I don’t speak about AI from theory. I speak from daily practice. I use AI to accelerate almost every part of my businesses — PBJ Mortgage and Financial Mastery Simplified.
Think of AI as the most brilliant, efficient, and affordable colleague you’ve ever had.
Here are just a few ways I use it every single day:
Content Creation: When my brain is fried but I need to post something helpful online, AI expands a small thought into a powerful message — in my voice, with my analogies, and my brand personality.
Marketing Strategy: AI gives me new angles, concepts, hooks, and story-driven marketing I wouldn’t have thought of on my own.
Video & Podcast Scripts: Every script for PBJ Mortgage TV or my podcasts starts with AI and ends with my edits — saving hours and giving me a polished message, fast.
Hiring & Training Workflows: AI helps me build onboarding systems, training guides, comprehensive job descriptions, and evaluation tools in minutes instead of weeks.
High-Level Strategy: Sometimes I use AI as my personal sounding board. I’ll feed it a new business idea and say, “Act as a multi-million dollar CEO. Challenge me.” And it will ask me the exact hard questions I didn’t think to ask myself.
It’s like having a chief strategist, a creative director, a copywriter, and an operations leader — all in one tool.
Let’s speak directly to the women reading this — the leaders, the changemakers, the doers, the ones carrying both the responsibility and the vision.
For decades, women in this industry have thrived by leveraging their natural strengths:
Intuition
Empathy
Deep communication
Holistic problem-solving
Relational understanding
And an uncanny ability to see and connect patterns that others miss.
AI amplifies all of it.
This isn’t just another piece of tech. This is a tool that supercharges our greatest assets.
Women who adopt AI early are:
Building powerful personal brands faster.
Drastically reducing burnout by automating the “busywork” that drains them.
Simplifying complex workflows and creating scalable, sellable businesses.
Scaling their authority and impact beyond their one-to-one limitations.
Freeing up critical time for family, personal growth, and high-level leadership.
Stepping confidently into visibility because they know their systems can handle the growth.
Shaping the industry from the front, not the sidelines.
If you know how to think, ask questions, and solve problems — AI is your tool. Let’s be real here, we work in mortgage, isn’t that kind of our MO?
AI is the great equalizer. In an industry often dominated by “old-school” thinking, it gives women the leverage to out-maneuver, out-perform, and out-build the status quo. It gives us the tools and leverage we’ve always deserved — but haven’t always been given.
The mortgage industry is evolving. Technology is accelerating. Consumer expectations are rising. This is one of those rare inflection points where the people who embrace the change earn an advantage that compounds for years.
The question isn’t: “Will AI change my role?” The real question is: “Will I use AI to elevate the way I show up, lead, and perform?”
Because the women who choose that path? They’re not waiting for permission. They’re not overthinking whether they’re “techy” enough. They’re not scared of losing their voice.
They’re using AI to amplify their impact — and redefine what’s possible in our industry.
AI isn’t here to take your job. It’s here to take the parts of your job that drain you — and give you back your brilliance.
Use it as your accelerator. Use it as your partner. Use it as your competitive advantage.
Because the women who harness AI today will be the leaders everyone admires tomorrow.
And I’d bet on those women every single time.
You’re ready to get on the bus. But how do you start driving?
Remember: AI only sounds generic when you feed it generic inputs.
The secret to getting “super solid output” isn’t just what you ask AI; it’s what you ask yourself first. Before you type your next prompt, stop. Answer these questions for yourself, and then feed your answers to the AI.
This is how you get your spin, your voice, and your brilliance, amplified.
Instead of asking AI: “Write a video script about interest rates.” First, ask yourself:
What’s a specific story I have about a client who was terrified of rates but is now in their dream home?
AI is the great equalizer. In an industry often dominated by “old-school” thinking, it gives women the leverage to out-maneuver, out-perform, and out-build the status quo.
What’s the one analogy I always use to make rates “click” (e.g., “it’s like a subscription cost for the house”)?
What’s the exact emotion I want the viewer to feel at the end? (e.g., “reassured,” “empowered,” “curious”).
Then, tell your AI: “Act as a mortgage strategist in my voice (empathetic, direct, and witty). Write a 60-second video script based on this specific client story: [your story]. Use my analogy [your analogy]. The goal is to make viewers feel [your emotion] and bust the myth that rates are the only thing that matters.”
Instead of asking AI: “Write a marketing email to realtors.”First, ask yourself:
AI isn’t here to take your job. It’s here to take the parts of your job that drain you — and give you back your brilliance.
What is the one thing I do for my realtor partners that they actually value? (e.g., “I pick up my phone on Saturdays,” “My operations team is faster than anyone else”).
What is their biggest pain point this week? (e.g., “slow closings,” “uncommunicative lenders”).
What is the one simple call-to-action I want? (e.g., “Reply with ‘coffee’ and I’ll buy,” “Forward this to your new agent”).
Then, tell your AI: “Act as a top-producing LO who partners with elite realtors. Draft a short, compelling email to a realtor I want to work with. The email must highlight my unique value prop of [your value prop] and show I can solve their pain point of [their pain point]. The tone should be confident, concise, and professional. End with the call-to-action: [your CTA].”
Instead of asking AI: “Create an SOP for onboarding a new file.” First, ask yourself:
What are the exact 10 steps in our current (messy) process?
Where is the single biggest failure point? (e.g., “Step 4: We always forget to order the title,” “Step 7: The ‘needs list’ email is unclear”).
What is the cost of that failure? (e.g., “a two-day delay,” “a frustrated client”).
Then, tell your AI: “Act as an expert mortgage operations consultant. I need to create a detailed SOP for our file intake process. Here are the 10 current steps: [list your steps]. The biggest bottleneck is at [your failure point], which causes [your cost]. Create a new 10-step checklist that builds in a specific quality control check at that exact step to prevent the failure. The tone must be clear, direct, and unambiguous for a new hire.”
Instead of asking AI: “Write a training guide for a new processor.” First, ask yourself:
What are the three costliest mistakes a new processor can make? (e.g., “miscalculating income,” “issuing an inaccurate needs list,” “not reading guidelines”).
What’s the one core principle I wish they understood from Day One? (e.g., “Communicate, communicate, communicate,” “Assume nothing, verify everything”).
What is a real-life, anonymous example of when a mistake happened and how it was fixed?
Then, tell your AI: “Act as a lead underwriter and master trainer. Create a ‘First 30 Days’ training module for a new processor. The module must be built around my core principle of [your principle]. Focus on preventing these three critical mistakes: [list the mistakes]. For each mistake, explain why it’s critical and how to prevent it. Include a section for a short, anonymous case study based on this scenario: [your example].”
Jax Crider is managing partner at PBJ Mortgage LLC.
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MaxClass is a woman-owned company, and we're offering MWLC members 65% off your continuing education when you use our code WOMENWIN.
MaxClass is a woman-owned company, and we're offering MWLC members 65% off your continuing education. Become a member for our unique code.
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Why the long way around led to clarity, growth, and a more intentional mortgage career
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From Charmed to the mortgage industry
A letter from the editor
MaxClass is a woman-owned company, and we're offering MWLC members 65% off your continuing education when you use our code WOMENWIN.
MaxClass is a woman-owned company, and we're offering MWLC members 65% off your continuing education. Become a member for our unique code.
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Stories of reinvention and the untapped power of mortgage talent
Key strategies for mortgage lenders in 2025
Investing in your team’s development is investing in your company’s future
Success in this industry starts with who you know — and how you show up.
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