Construction Perm, Builder Relationships & Ricky Peacock

He walked away from a company that was generating $80m in annual revenue...he had built it from scratch. The reason why will change how you think about your career.Ricky Peacock, SVP at AnnieMac Home Mortgage and the architect behind their construction-to-perm lending division, joins Fobby and Justin to break down everything loan officers need to know about CTP lending — including AnnieMac's national program launching July 1st.Ricky shares how he lost everything in 2008, rebuilt from zero, became the #1 USDA loan officer in the country two years running, and grew a single builder relationship into $70–80M in revenue before selling his company to AnnieMac to build something even bigger.In this episode: how to walk into a builder for the first time, why conventional is the easiest CTP loan nobody talks about, the "vacation folder" story every manager needs to hear, what builders actually want from a lender, and why Ricky says answering the phone was his entire competitive advantage.If you've avoided construction perm because it felt complicated, this is your sign to stop leaving money on the table.Laugh, Lend & Eat drops weekly. Hosted by Fobby Naghmi and Justin Neal. Find us on YouTube for full video episodes.And if this episode made you think about what's possible at your current shop — that's worth paying attention to.Ricky left 18 years and a million dollars a year behind because the vision on the other side was bigger. If you're a loan officer who's been curious about what AnnieMac is building — the CTP launch, the programs, the people — find Fobby Naghmi on LinkedIn. No pitch. Just a conversation.Laugh, Lend & Eat drops weekly. Hosted by Fobby Naghmi and Justin Neal. Find us on YouTube for full video episodes.