CLEAR VICTORY: How Abdel Built a Winning Playbook in a Losing Market
The summer slowdown is real.But someone forgot to tell Abdel Khawatmi.
While many loan officers are sitting on the sidelines waiting for the market to turn, Abdel and his team at PRMG are executing, at scale, with discipline, and with purpose. I invited him back on the Loan Officer Life podcast for a third time to unpack what’s working right now.
What he shared wasn’t fluff.It wasn’t mindset talk.It was a full-blown operating system.
He calls it CLEAR VICTORY — a framework built from the trenches, refined in down markets, and delivering real results.
And I believe it’s one of the most practical, battle-tested models for winning in today’s mortgage environment.
C.L.E.A.R. – Where the Foundation Gets Built
Let’s break it down:
C – Content + Education Strategy
Abdel isn’t quoting rates. He’s teaching readiness.From YouTube to Reels to eBooks, his “Got Mortgages University” provides consistent, high-value education that builds long-term trust.
“Content builds trust. Trust builds business.”
L – Leveraged Systems & Follow-Up
He’s got automation wired. Model Match. FinLocker. Fireflies. Calendly. And his follow-up game isn’t just fast, it’s standardized.
“Fortune’s in the follow-up — and we don’t miss.”
E – Equity Play for Investors
HELOCs. DSCRs. Bank statement loans. Abdel meets clients with strategies, not just products, helping them leverage real estate as a wealth engine.
“You don’t quote rates. You build portfolios.”
A – Authentic Leadership
He leads from the front — 4AM wake-ups, relentless execution, and a “no excuses” culture that’s built by doing the work, not delegating it.
“I don’t ask for buy-in — I earn it by example.”
R – Reputation & Brand Power
“Got Mortgages” isn’t just a slogan — it’s a brand, a vibe, and a movement built on storytelling and family-first visibility.
“People don’t remember rates — they remember how you made them feel.”
V.I.C.T.O.R.Y. – Where the Market Gets Conquered
Then Abdel takes it deeper.
Here’s how he’s scaling his edge:
V – Visibility + Proximity
He’s not hiding behind emails. He’s showing up. Open houses, investor meetups, and hyper-local events, including one sponsored at a cornhole bar that led to six loans.
“Proximity builds partnerships. Presence builds trust.”
I – Investor-Minded Positioning
It’s not “can I qualify?” — it’s “how do I scale?” Abdel speaks equity, depreciation, tax strategy, and cash flow. His referral partners include CPAs and financial advisors, not just agents.
“Mortgage advice is easy. Wealth planning takes vision.”
C – Confidence Through Clarity
Clients don’t need fluff. They need to understand their options. Abdel uses Mortgage Coach, MBS Highway, and even ChatGPT to create “explain-it-to-my-kid” breakdowns.
“Comfort follows confidence. And confidence comes from clarity.”
T – Technology Execution
From SOPs to automation flows, he doesn’t wait for tools to be perfect — he builds the systems himself (even trained his 13-year-old daughter to run Canva).
“Tech without leadership is noise. You turned it into results.”
O – Ownership Mentality
Abdel isn’t waiting for a rate drop. He’s creating his own economy, launching masterminds, training groups, and relationship ecosystems.
“In a world of followers, be the one building the table.”
R – Resilience Culture
He runs team audits, cuts underperforming partners, and holds his group to a standard that’s as cultural as it is operational.
“High performers don’t need motivation. They need a mission.”
Y – You’re the Go-To, Not the Fallback
Abdel’s not chasing business, he’s attracting it. His systems, his story, and his service make him the first call when someone’s ready to move.
“In chaos, clarity wins. And that’s why I don’t flinch.”
Why This Matters for LOs Right Now
Abdel’s model isn’t about being flashy. It’s about being prepared.
When I asked him what changed between our first episode together and now, his answer was simple: nothing.
Same message. Same playbook. Just better execution.
And here’s the kicker:Because he’s so clear on the value his team delivers, he’s unafraid to cut partners who don’t follow up.He’s tracking performance across channels.He’s reducing credit pull costs by using FinLocker’s BuyerVision to triage readiness before soft pulls.He’s not hoping to be top of mind.He’s engineering it.
Final Word: Don’t Wait for the Market to Save You
Abdel said it best:
“I didn’t wait for the market to save me. I built systems, told real stories, and became the lender people actually trust, not tolerate.”
The loan officers who win the back half of 2025 won’t be the loudest.They’ll be the clearest.The most consistent.The most connected.
That’s the CLEAR VICTORY.
Want to talk systems, follow-up, or tech execution? I’m always open to share what I’m seeing in the field.