Growth Notes

Don’t Let Your Feelings Get a Vote In this episode of Growth Notes, Frazier shares an update from Myrtle Beach on day one of his High Table Mastermind, where the group is focused on creating an unfair advantage in business. He then dives into a core discipline lesson: feelings are normal, but they can’t be allowed to “vote” on whether you do the work you know you need to do. Drawing from what high...

Don’t Wait for an Empty Pipeline: Build Ahead of the Next 90 Days On a Sunday episode of Growth Notes, Frazier shares that he’s traveling to Myrtle Beach for the High Table Mastermind and then emphasizes the danger of waiting to take action until a pipeline is empty. Using the idea of “skating to where the puck is going,” he argues that results show up 60–90 days after today’s actions and that pip...

Grow Your Pipeline by Having More Conversations Every Day Frazier shares a simple truth for growing a loan officer’s pipeline: the more people you talk to, the more business you do, especially in the current market. Referencing a LinkedIn Live with Jonathan reviewing data on cash-out refis by channel, he notes that call-center environments outperform because there’s no deviation from making high v...

The Risk of Inaction: Build Momentum to Beat Fear in a Shifting Market On Growth Notes, Frazier warns that in a shifting market the one thing you cannot do is nothing, because inaction can destroy your business. He explains how fear often shows up as doubt, hesitation, and time spent on low-impact tasks instead of money-making actions like picking up the phone. Worry about making the wrong move cr...

Stop Buying “Easy”: The Most Powerful Marketing Hook On Growth Notes, Frazier shares a “big marketing secret”: “easy” is the greatest marketing hook because people are wired for the path of least resistance and lean into shortcuts, hacks, and promises of results without work. He points to examples like fitness pills and quick workouts, the lottery, and get-rich-quick schemes, and says the mortgage...

Have a Plan or Become Part of Someone Else’s Frazier says the mortgage business is in a market shift and stresses a key truth: if you don’t have a plan, you’ll become part of someone else’s plan. He contrasts loan officers who deliberately plan who to call, what to say, and which markets, agents, and database segments to pursue with those who drift, react, and hope for results while distracting th...

Discipline Starts With Desire In this Growth Notes episode, Frazier reframes discipline as something that must be fueled by desire, not willpower. He explains that the common “white-knuckle” approach—forcing yourself through tasks you hate—leads to burnout because it has no real pull underneath it. Real discipline, especially when motivation fades and results are slow, is built on a clear, specifi...

Protect Your Mindset: Invest in Yourself and Cut the Noise Frazier opens Monday’s Growth Notes by sharing that he launched Lantern, a personal development operating system for loan officers built from principles of high achievers and designed to be completed in 60 minutes daily, including listening to Growth Notes; he also notes a waitlist in the show notes and thanks beta testers. He emphasizes t...

Avoid the “Misery Loves Company” Trap: Protect Your Mindset and Momentum On a Sunday Growth Notes episode, Frazier warns loan officers to “stay away” from the company called Misery, describing how negativity spreads through coworkers, networks, and online groups when people vent about the market, lenders, clients, appraisers, or agents. He explains that these conversations can feel validating but...

Stop Doom Scrolling: Protect Your Attention and Your Mindset Frazier explains why doom scrolling is destructive by describing the attention-based business model of news and social platforms, which profit by keeping users engaged and selling their attention to advertisers. He says these platforms exploit human negativity bias—the brain’s tendency to prioritize negative information for survival—usin...

You Are What You Think: Replacing Negative Self-Talk With Action In this Growth Notes episode, Frazier reminds listeners that “you are what you think,” arguing that self-talk shapes attitude and outward actions. He cites research suggesting about 80% of daily thoughts are negative and about 95% are repetitive, often driven by self-criticism, anxiety, worry, and black-and-white or catastrophic thin...

The More Artificial the World Gets, the More Valuable Real Becomes In this Growth Notes episode, Frazier shares a takeaway from a coaching call led by Ed Mylett and reflects on the value of hearing differing perspectives, plus the personal “superpower” of choosing to be willing to be wrong and change your mind. He argues that as AI, automation, curated profiles, and transactional networking make t...

Scarcity vs. Abundance: Asking Better Questions in a Tough Mortgage Market Frazier contrasts scarcity and abundance mindsets, saying scarcity looks for flaws while abundance looks for possibilities, leading to completely different outcomes in the same mortgage market. He announces that he will join sales expert Jonathan Hadda on Mortgage Mornings at 10:00 AM EST to discuss framing and reframing in...

Gratitude as a Competitive Advantage in a Bitter Market Frazier says there is no real “secret sauce” to success beyond iteration, but argues the closest thing to a secret is gratitude used as a competitive advantage and a defense mechanism for mindset. He announces Mortgage Mornings now happens weekly on Wednesdays at 10:00 AM Eastern, with Jonathan covering framing and objections for intake calls...

Keep the Pen: Let Your Response, Not Your Circumstances, Define You Frazier opens Monday’s Growth Notes by reminding listeners that they are not defined by circumstances—wins, losses, good or bad events—but by how they respond. He argues this is a practical truth in business and life, not just a motivational quote, and says internalizing it can change how you operate more than tools or tactics. Us...

Be Thankful for Adversity: Turning Hard Lessons into Growth On a Sunday episode of Growth Notes, Frazier encourages listeners to prepare for the week by rethinking adversity, not as something to escape but as an unavoidable guarantee in business, relationships, and life. He clarifies he is not advocating forced positivity or denying real pain; instead, he argues the key question is what you do wit...

Be Thankful It’s Hard: Use the Downturn to Get Ahead In this Growth Notes episode, Frazier argues that people should stop wishing things were easier and instead be thankful that current conditions are hard. He says wanting ease focuses on what can’t be controlled and wastes effort, while tough cycles cause many competitors to tap out, reducing noise in the market. He believes things will likely ge...

Control What You Can: Actions, Reactions, and Mindset On Growth Notes, Frazier tells loan officers that in a tough market they often struggle because they try to control things that were never theirs to control, driven by a human need for comfort and certainty. He argues certainty doesn’t come before action; it is built by acting, and waiting for the market, rates, consumers, referral partners, or...

Keep Moving Forward Through a Market Shift In this Growth Notes episode, Frazier explains that in a market shift there is only one way out: move forward. He argues you can’t hide, worry, complain, vent, or wait for reassurance, because the market doesn’t respond to feelings and will reward those with the mindset to keep climbing when progress feels slow. He defines “hiding” as not only avoiding mo...

Frazier reflects on how social and traditional media often show only highlights and posturing, then shares a vulnerable conversation with his 14-year-old daughter, who is worried after seeing war news. He explains propaganda, political theater, and how self-interest shapes what people and organizations present while hiding struggles like failing marriages, strained family relationships, and person...

Build Your Business Right Now In this Growth Notes episode, Frazier shares a mindset shift for the new economy: focus on “right now,” because it’s the only place business gets built. He warns that spending mental and emotional energy worrying about the market, rates, or feeling angry and frustrated produces zero results, emphasizing that worry won’t move a pipeline and anger doesn’t close loans. I...

Disruption Won’t Warn You: Why Mortgage Pros Must Move Before It’s Obvious In this Growth Notes episode, Frazier argues that one of the most dangerous assumptions in business—especially in lending and real estate—is believing disruption will give you a clear heads up before it arrives. He explains that disruption typically enters through overlooked channels, appearing small or dismissible until it...

Financial Crises Expose Mediocrity: Fix What the Market Reveals On Growth Notes, Frazier shares a Sunday message about the sense of urgency around an upcoming market transition and adversity, emphasizing that financial crises expose mediocrity that can hide in strong markets with low rates, high volume, and easy demand. He explains how weak fundamentals become visible when conditions tighten: tran...

Relatable Beats Impressive: Your Biggest Advantage as a Loan Officer In this episode of Growth Notes, Frazier explains why a loan officer’s biggest advantage isn’t being impressive—it’s being relatable. He argues that consumers aren’t leading with questions about awards, volume, or years of experience; they’re trying to figure out, “Does this person get me?” Frazier breaks down how leading with cr...

Why the Fundamentals Are the Real Competitive Edge On Growth Notes, Frazier closes the week by emphasizing that the unglamorous fundamentals of the business—daily outreach, follow-up, consistent database communication, listening well in client conversations, building relationships, and showing up consistently—are what create lasting results, even if they are less “sexy” than trends like AI sequenc...