Growth Notes

Faith or Fear: What Are You Feeding This Week? On Growth Notes, Frazier urges listeners to examine whether they are feeding faith or fear as they start their week, explaining that both emotions are always present and whichever gets more energy grows stronger. Using business examples like thinking about pipelines, calls, goals, rates, and competition, he says fear isn’t the enemy when treated as us...

Improvise, Adapt, Keep Moving: Winning as a Loan Officer in a Changing Market Frazier discusses how success in the mortgage industry depends less on sticking to an original plan and more on improvising and adapting when conditions change, since rates, buyers, sellers, underwriters, and market curveballs do not care about anyone’s plans. He argues that loan officers who build lasting businesses adj...

Feelings Aren’t Data: Let Your Strategy Work Frazier opens with a soft launch announcement of the Growth Engine, built in partnership with Empower Lo and available at BrokerFuel.ai, describing it as an all-in-one system to build a sustainable business through content, community, coaching, collaboration, and a platform that handles 95% of the heavy lifting so users can focus on execution. He then s...

Document and Reverse Engineer Your Loan Closings On Growth Notes, Frazier explains why documenting your day and especially tracing each closed loan back to its origin is critical to understanding how you make money. He argues that, like major companies, business owners should use data to identify what actions actually created opportunities, not just the “last mile” interaction such as a landing-pa...

Showing Up and Demanding 10x ROI From Tools On a chaotic Wednesday with a basement leak, Frazier records Growth Notes later than usual to keep his daily commitment, emphasizing that life happens but you should still show up unless it’s impossible. He recaps a Mortgage Mornings West Coast call with DC, who demonstrated using Redder for agent outreach by understanding agents’ business and using data...

The Magic of Remembering Names On Growth Notes, Frazier explains that one of the simplest yet most important relationship skills in business is learning and using people’s names, citing Dale Carnegie’s idea about the “magic contained in a name” from How to Win Friends and Influence People. He describes how hearing your name used naturally makes you feel seen and important, especially in a distract...

Lean Into the Talk: Proof You’re Making an Impact The speaker shares a short “growth note” about how criticism, gossip, or attempts to cut you down often indicate you’re doing something right and operating at a higher level, since people focus on those making an impact. He notes this has happened to him due to his content, acknowledges he was more ego-driven from 2017–2020 but has spent the past s...

Talent Needs a Plan: Simple Weekly Blueprint for Loan OfficersOn a Sunday episode of Growth Notes, Frazier argues that the biggest thing holding loan officers back isn’t talent, market conditions, rates, company, or leads, but the absence of a written plan. He describes how motivated, hardworking officers “swing at every pitch” by reacting to emails, calls, and distractions, then wonder why result...

Beyond Fortune-Cookie Wisdom: The Reality Behind Work, Sacrifice, and Family In this Growth Notes episode, Frazier challenges “fortune cookie” advice about work-life balance, especially the idea that people won’t wish they spent more time working when they’re older. He argues this oversimplifies reality because work and sacrifice can create stability and options when life happens, such as medical...

Treat Employees Like Investments: Quantify Economic Value and ROI In this Growth Notes episode, Frazier argues that companies won’t get the results they want if they treat employees as an expense instead of an investment. He challenges leaders to define and quantify the economic value each role should bring, referencing Cody Sanchez’s approach of setting specific value expectations for hires beyon...

Stop Setting New Hires Up to Fail: How to Manage and Hire Winners The speaker invites listeners to a monthly public version of members-only office hours at 1:00 PM Eastern via a link in the show notes for help with sales, marketing, mindset, and obstacles. He argues that some people should not manage others because they invest little time in effective onboarding, training, and a 90-day plan, often...

Gratitude as a Business Strategy for Building Loyalty On a Wednesday episode of Growth Notes, Frazier explains that his note is coming later due to an unplanned busy day, but he’s committed to delivering one every day. He shares an often-overlooked business strategy: using gratitude as a practical loyalty-building tool rather than a feel-good concept. He argues that genuine, unexpected, heartfelt...

Set Expectations, Define Needs vs. Wants, and Commit Before Buying New Tools The speaker shares quick advice for loan officers choosing tools like CRMs, NBS Highway, or Mortgage Coach: start by defining clear expectations for what the tool should do before taking demo calls, then create separate “needs” (non-negotiables) and “wants” (nice-to-haves) lists. They warn that many people buy tools based...

Marketing Messaging: Make It About Them First On Growth Notes, Frazier explains that consumers “don’t care about you yet” and are focused on their own goals, fears, timelines, affordability, and family outcomes rather than a professional’s credentials, experience, or track record. He argues that while stories and self-focused content are common, they often fail to solve the audience’s problem beca...

Three Simple Moves from Jimmy Hobson to Grow Your Loan Officer Business In this Growth Notes episode, Frazier shares takeaways from his Broker Journey interview with Jimmy Hobson of You Mortgage, who produced $60 million in volume despite challenging market headlines. Frazier highlights three non-complicated moves Jimmy emphasizes: structure your day so it doesn’t destroy you, stop chasing shiny o...

Give Stress Five Minutes, Then Take Action In episode 440 of Growth Notes, the speaker thanks listeners for the show’s growth from 1,000 downloads a year ago to nearly 22,000 today, noting strong Spotify and Apple ratings, and reflects on how a recent message about showing up through struggle resonated with people in sales and mortgages. Inspired by Layla Hermo’s point on stress, he argues stress...

Non-Negotiable Commitments: Showing Up When You Don’t Feel Like It Frazier admits he didn’t feel like recording Growth Notes on a late Friday morning and had plenty of valid reasons to skip, especially after showing up for 438 straight days as he approaches episode 439 and nearly two years of daily consistency. He explains that he treats the podcast as a non-negotiable commitment and argues that h...

Change Through Pain or Learning Frazier explains that people change for two reasons: they hurt enough that they have to, or they learn enough that they want to. Reflecting on his own personal, professional, and business growth, he says real change came either when pain made the status quo impossible or when he found the right people, messages, and information that made him want more. He observes m...

Focus as a Superhuman Skill: Building Two Hours of True Productivity The speaker reflects on a post by Neil Dinga about how the ability to truly focus for straight hours is a “superhuman” advantage because most people are distracted and mentally scattered. They connect this to recent conversations about distractions, attention, and time, noting that even high-performing entrepreneurs often only ac...

Apply the 80/20 Rule to Your Relationships and Time On Growth Notes, Frazier challenges loan officers to stop spreading themselves thin across every relationship and apply the 80/20 rule to how they spend their time. He argues that since 20% of efforts produce 80% of results, they should spend 80% of their time deepening relationships with the top 20% of people—such as top producers, key referral...

Invest in Yourself: The Best Tool in Your Business Frazier opens Growth Notes by sharing that he is adding a video element while continuing the podcast on Apple and Spotify. He emphasizes the often-overlooked idea of investing in yourself—not by buying courses you won’t finish or joining coaching programs you abandon, but by consistently and intentionally becoming a better version of yourself. He...

The Past Is Not a Place to Live In this Sunday message, the speaker urges listeners to stop letting the past hold them back. They acknowledge common setbacks—lost deals, bad production months, failed relationships, bad managers, and companies that overpromised—but emphasize that the past is only for learning, not living. Replaying what went wrong creates emotional weight and an opportunity cost by...

The Quiet Superpower of High Performers: Mind Your Own Business The speaker shares a “quiet and silent superpower” used by high performers: minding your own business as a focus strategy. They explain that constantly watching and comparing yourself to others—numbers, production, content, recognition, wins and losses—scatters attention, drains clarity, and harms execution and momentum. Over-focusing...

How Our Brains Create Stories: Messaging, Bias, and Better Content Frazier opens with a short Friday message and explains a lesson from a LinkedIn post where commenters projected meanings that were not stated or implied. He uses this to discuss how the brain forms connections and stories based on individual bias and worldview, shaped by experience and upbringing, and how people will perceive conte...

From Ambition to Obsession: Pick Your Number and Focus Your Time Frazier shares takeaways from broker calls and a coaching call with Ed Mylett, emphasizing that ambition is meaningless without obsession because obsession creates laser focus and removes distractions. Referencing Mylett’s focus on time as the great equalizer and the foundation for success, Frazier challenges listeners to define a sp...