Rick Ruby has spent four decades in the mortgage business and has built a reputation as one of the most effective performance coaches in the homebuying industry. He owns three high-performing mortgage branches and leads a team of more than 30 loan officers. His branches closed roughly 2,000 loans in 2023 alone. Rick personally originated loans from 1984 to 2009, so everything he teaches is grounded in years of production, leadership, and real market cycles—not theory.

In 2001, Rick founded The CORE Training, an elite mortgage and real estate coaching company built on one clear philosophy: earn more, save more, and give more. Today, The CORE serves more than 1,000 clients and is led by dozens of top-producing coaches who each run successful businesses and typically earn at least seven figures with significant savings. Under Rick’s leadership, The CORE has helped create hundreds of millionaires by focusing on systems, accountability, and execution rather than motivation alone.

Beyond The CORE, Rick consults privately with major mortgage and real estate organizations and hosts “The Street Smart Millionaire,” where he shares the same direct, no-nonsense approach that defines his coaching. His goal is simple: to help serious professionals build stronger businesses, stronger finances, and greater capacity to give back.

Randall S. Mills is a Director at The CORE, bringing more than 13 years in residential lending and over 25 years in finance, commercial banking, and development. He first joined The CORE as a Level 1 student in 2013 and advanced through Levels 2 and 3, using the program as a fast track to build a large, referral-driven mortgage business. A Top 1% mortgage producer in the nation for six consecutive years before moving into his current role, Randall has built his career on disciplined systems, consistent execution, and strong relationships with clients and partners.

At The CORE, Randall oversees Level 1, Level 2, and shares leadership of Level 3 coaching with founder Rick Ruby, while also leading the Marketing, Sales, and Level 1 & 2 Concierge teams. He continues to serve as a Level 3 coach and a producing loan officer, helping top performers install the same proven processes that transformed his own business. The work is deeply personal to Randall—The CORE radically changed his life both personally and financially, and he is passionate about paying that impact forward to the next generation of students.

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Outside of work, Randall is an avid aviation enthusiast(has his Private Pilot License), a wake surfer on Lake Norman, and a retired professional off-road racer, rock crawler, and Grand Prix motorcycle racer. He lives with his wife and enjoys time with his two adult stepchildren, bringing the same focus and intensity he developed in competitive motorsports to his coaching and leadership at The CORE.

Scott Forman is the Executive Vice President at CrossCountry Mortgage and a Senior Coach with The CORE Training. He has spent the past 15 years coaching with The CORE, helping mortgage professionals build stronger systems, scale production, and lead at a higher level through accountability and real-world execution. 

A consistent top performer in the mortgage industry, Scott has been recognized as a Top 5 Star Mortgage Award winner for the past 10 years. He brings both executive leadership and field-tested mortgage experience to his coaching, giving clients guidance rooted in what actually works in a competitive market. 

At The CORE, Scott works with serious professionals who want more than short-term production gains. His coaching is centered on structure, discipline, and helping loan officers build businesses that create long-term income, stronger teams, and better lives.

Julie Johnson is a Director and Coach at The CORE Training, with more than 25 years in the mortgage industry. She joined The CORE in 2015 as a single mom of four who wanted to grow her business without sacrificing time with her family. The systems she learned helped her build a high-performing team and a clearer path forward. As a producing loan officer, Julie went from working without structure to consistently funding over $100 million in volume for eight consecutive years, including a peak year serving 551 clients and closing $325 million—largely with an all-woman team she has mentored and developed.

At The CORE, Julie coaches top-producing loan officers in small, focused groups, helping them generate more leads, convert at higher rates, and build dynamic, scalable teams. She collaborates monthly with the Board of Directors to elevate The CORE's client service and plays an active role in The CORE Locker Room, shaping content that helps lenders and real estate professionals grow their production and reach the next level in their business.

The work matters deeply to her because she believes in raising the standard of the mortgage and real estate industry and in teaching professionals to make, save, and give at a higher level. Julie has a special heart for single moms who are trying to build careers and families at the same time, and she is driven to give back what she received through The CORE. 

Based in Seattle, she is a proud mom of four who loves lifting weights, traveling, and spending time with friends and family—living a life she credits, in part, to the structure and opportunity The CORE helped her create.

Patrick Conway is a top-producing Realtor® and CORE Coach who has built a seven-figure real estate business by running his company with systems, accountability, and a relentless commitment to serving his clients. He has been in real estate for well over a decade and is known for combining high production with strong leadership and a practical, no-nonsense approach to growth.

Patrick grew up in the business and leads a successful real estate team grounded in hard work, discipline, and genuine care for each client’s outcome. Over the years, he has closed tens of millions in annual volume, consistently ranking as a top producer in his market. His work with The CORE Training has helped him transform from a busy agent into a structured business owner, and he now coaches other serious professionals through the same shift.

As a CORE Coach, Patrick is known for tactical, field-tested guidance on topics such as VIP client systems, objection handling, and running a real estate business that scales without sacrificing service. He brings the same energy to coaching as to his own business: clear standards, simple systems, and an expectation that professionals do the work required to win in any market.

Greg Gale is a Senior Coach at The CORE Training and a top-producing mortgage professional with 17 years of industry experience. He joined The CORE as a student in 2010 and became a coach in 2014, attracted to its team-based service, relational approach, and structured playbook that reflected the standards of his late mentor.

Before mortgage, Greg worked as a personal trainer at a luxury health club and ran a martial arts dojo—experiences that influenced his beliefs in coaching, discipline, and repetition. 

Over the past decade, he has consistently had seven-figure income years while building a business that enables his wife to stay at home with their children—one of his proudest achievements.

At The CORE, Greg enhances the client experience by curating and optimizing content in The CORE Locker Room, leading several coaching groups each week, and providing open office hours for advanced students seeking deeper tactical and strategic guidance. He is passionate about helping loan officers and agents utilize structure, accountability, and a team-based approach to grow both income and long-term wealth.

Greg grew up just outside Boston and has called Scottsdale, Arizona, his home since college. He and his wife are raising two active teenagers, Kai and Tatum, and share their home with three dogs. When he’s not coaching or originating, you’ll often find him at the gym with his son or supporting his daughter’s activities in cheer, theater, and jiu-jitsu.trick Conway is a top-producing Realtor® and CORE Coach who has built a seven-figure real estate business by running his company with systems, accountability, and a relentless commitment to serving his clients. He has been in real estate for well over a decade and is known for combining high production with strong leadership and a practical, no-nonsense approach to growth.

Patrick grew up in the business and leads a successful real estate team grounded in hard work, discipline, and genuine care for each client’s outcome. Over the years, he has closed tens of millions in annual volume, consistently ranking as a top producer in his market. His work with The CORE Training has helped him transform from a busy agent into a structured business owner, and he now coaches other serious professionals through the same shift.

As a CORE Coach, Patrick is known for tactical, field-tested guidance on topics such as VIP client systems, objection handling, and running a real estate business that scales without sacrificing service. He brings the same energy to coaching as to his own business: clear standards, simple systems, and an expectation that professionals do the work required to win in any market.