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The MLO Project

Frazier

47 episodes

1 week ago

Send us a text In this special New Year's edition of The MLO Project, Frazier and Michael tackle two hot headlines shaping the future of the mortgage industry. From National Mortgage News’ prediction that 2026 will be the industry’s “reset year” to HousingWire’s deep dive on the growing dominance of DSCR loans—this episode is packed with straight talk, strategic insights, and zero fluff. Frazier breaks down key takeaways from the “2026 reset” article, calling out the recycled advice on chasin...

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Entrepreneurship

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Send us a text In this special New Year's edition of The MLO Project, Frazier and Michael tackle two hot headlines shaping the future of the mortgage industry. From National Mortgage News’ prediction that 2026 will be the industry’s “reset year” to HousingWire’s deep dive on the growing dominance of DSCR loans—this episode is packed with straight talk, strategic insights, and zero fluff. Frazier breaks down key takeaways from the “2026 reset” article, calling out the recycled advice on chasin...

Show more...

Entrepreneurship

Episodes (20/47)

The MLO Project

Headlines: The Reset, The Risk, and The Rise of DSCR | Ep. 47

Send us a text In this special New Year's edition of The MLO Project, Frazier and Michael tackle two hot headlines shaping the future of the mortgage industry. From National Mortgage News’ prediction that 2026 will be the industry’s “reset year” to HousingWire’s deep dive on the growing dominance of DSCR loans—this episode is packed with straight talk, strategic insights, and zero fluff. Frazier breaks down key takeaways from the “2026 reset” article, calling out the recycled advice on chasin...

1 week ago

32 minutes

The MLO Project

Delete the Drama or Stay Broke | Ep. 46

Send us a text Some of you need to hear this—not everyone in your life is helping you win. That includes the guy on your LO team who complains every day. That includes your "mentor" who hasn’t closed a loan since 2019. And yes, that might even include family. In this episode, Frazier and Michael break down a viral Growth Notes topic: removing toxic people from your business and your life. It starts with the clowns in your comment section—but it runs much deeper. From drama in Facebook grou...

3 weeks ago

26 minutes

The MLO Project

You’re Owed Nothing. Earn It. | Ep. 45

Send us a text This one isn’t for the fragile. Frazier comes in hot after a no-filter conversation with a loan officer who needed the truth and Michael is right there with him pulling zero punches. This episode dives deep into the entitlement mindset plaguing LOs in today’s market. Just because you used to be good doesn’t mean you still are. Nobody owes you leads, results, or respect just because you show up. It’s about time we said it out loud: The reason you’re losing has nothing to do with...

1 month ago

25 minutes

The MLO Project

If You’re An Average LO, AI’s Your Replacement Plan | Ep. 44

Send us a text We’ve been hearing a lot of noise lately… “AI is going to replace loan officers in 18 months.” Cool story. Let’s talk about it. In this episode, we go straight at the hype. No fluff. No fear tactics. Just facts. Will AI change the game? Yes.Will lazy LOs get replaced? Also yes.Will high-performers get wiped out? Not a chance.If you’re tired of the same old doom-and-gloom headlines, this is your reset button. 👉 It’s time to stop reacting and start adapting. 🎧 Listen now.

1 month ago

26 minutes

The MLO Project

Uncle RICO Has Entered the Chat on Zillow's Lawsuit | Ep. 43

Send us a text Zillow just got smacked with a RICO and RESPA class action lawsuit—and your favorite originator tag team isn’t holding back. Frazier and Michael go full Napoleon Dynamite-mode and break down how this case could rock the entire mortgage and real estate ecosystem. This isn’t just about Flex. It’s about pay-to-play models, illegal referrals, and what needs to happen for real change. Should RESPA be redefined? Are MSAs dead? What does "value" even mean anymore in co-marketing? And ...

1 month ago

38 minutes

The MLO Project

Forget What You Know! Build What’s Possible w/Jason Kindler | Ep. 42

Send us a text In this special in-person episode of The MLO Project, Frazier and Michael sit down with Florida broker and First Coast Mortgage co-founder Jason Kindler, live from Idaho at the High Table mastermind. It’s a no-fluff conversation about leadership, building efficient operations, crushing limiting beliefs, and redefining what’s possible for mortgage companies heading into 2026. Kindler opens up about his personal and professional journey, including surviving the crash, getting sob...

1 month ago

27 minutes

The MLO Project

Striking Out! Why You’re Losing Clients You Closed | Ep. 41

Send us a text “Strike Rate, Stale Leads, and Regret” In this unfiltered episode of The MLO Project, Frazier and Michael go off the rails (and the map) with a fiery breakdown of one of the most neglected goldmines in the mortgage business: your damn database. Coming off the Accelerate session at Fuse, the guys break down why strike rate conversations are a no-brainer, why most LOs fumble their past client relationships, and why assuming someone else isn’t talking to your past client is the bi...

2 months ago

27 minutes

The MLO Project

Are You Paying Attention? Data Is the New Commission | Ep. 40

Send us a text In this high-energy episode of The MLO Project, Frazier and Michael come in hot fresh off AIME’s Fuse 2025, breaking down lessons, laughs, and the unexpected win of a 7:00 a.m. breakout session that packed the room. Michael shares the behind-the-scenes story of his first “legit” Fuse experience, the vibes-only navigation system through the Gaylord Opryland, and why his High-Level Blueprint session had brokers buzzing before the sun came up. This isn’t another tech talk — it’s a...

2 months ago

34 minutes

The MLO Project

Got Mortgages? Got Receipts. Got Results w/Abdel Khawatmi | Ep. 39

Send us a text Abdel Khawatmi didn’t just show up—he dropped a masterclass. From building a consumer-direct and partner-driven hybrid model, to running multiple AI-driven systems, to scaling a team while still showing up like a true operator, this episode is everything The MLO Project is about. Abdel breaks down exactly how he tracks every KPI in his business, uses social media as a brand amplifier (not a direct lead source), integrates AI like Fireflies, ChatGPT, Gamma, and Mortgage Coach t...

2 months ago

44 minutes

The MLO Project

Why AI Won’t Save Bad Loan Officers w/Luke Shankula | Ep. 38

Send us a text After months of build-up, calendar mishaps, and playful trash talk, Luke Shankula finally joins Frazier and Michael on The MLO Project. This episode delivers on all fronts: insights, shade, real talk on AI, marketing, lead gen, and why most loan officers are misusing the tools that should be helping them win. The trio dives into why AI isn’t a magic wand, how bad sales habits get amplified by tech, and how Luke’s transition from “Loans on Demand” to marketing fundamentals is re...

3 months ago

38 minutes

The MLO Project

I'll Educate You Whether You Want It or Not w/Hammer Helmer | Ep. 37

Send us a text Episode Overview Hammer joins the MLO Project for what might be their most offensive (and honest) episode yet. From lock advice to social media strategy, Hammer breaks down what's actually working in today's market - and what's complete garbage. Key Topics Covered: The Rate Game (And Why You're Playing It Wrong) The Emotional Side of Home Buying Business Development Reality Check Social Media Strategy That Actually Works The Consistency Factor The Hard Truth About Discipline Co...

3 months ago

40 minutes

The MLO Project

Stop Obsessing Over Rates | Ep. 36

Send us a text Proactivity in Loan Origination: Stop Obsessing Over Rates In this episode of The MLO Project, hosts Frazier and Michael emphasize the importance of focusing on proactive, everyday actions over obsessing about fluctuating loan rates. They argue that industry success hinges on maintaining consistent communication with clients, having solid systems and processes in place, and focusing on long-term relationships rather than reacting to rate changes. Through lively discussion and ...

3 months ago

23 minutes

The MLO Project

Clickbait B.S.: When Media Headlines Lie | Ep. 35

Send us a text In this episode of the MLO Project, hosts Frazier and Michael discuss the impact of media sensationalism, particularly focusing on a recent headline by HousingWire that inaccurately suggested that Equity Prime Mortgage (EPM) could no longer originate FHA loans. The hosts emphasize the importance of reading beyond headlines and understanding the broader implications of clickbait on both individual behavior and the mortgage industry. They also urge listeners to maintain focus on ...

3 months ago

29 minutes

The MLO Project

Build a Million-Dollar Network Without Leaving Your Office | Ep. 34

Send us a text In this episode of the MLO Project, Frazier and Michael dive into the importance of community in the mortgage industry and announce the launch of MLO Hub - a new platform designed specifically for mortgage professionals to connect, learn, and grow together. The Community Problem Why Facebook groups aren't cutting it for professional growthThe challenge of siloed communities in the mortgage industryHow social media distractions hurt productivityThe need for focused, professional...

4 months ago

26 minutes

The MLO Project

Why Every LO Is Talking About Go High Level (and Why You Should Too) | Ep. 33

Send us a text Empowering Loan Officers with HighLevel CRM Solutions In this episode of the MLO Project, hosts Frazier and Michael dive deep into the benefits of using HighLevel CRM for mortgage professionals. They discuss the value of HighLevel as a single platform for managing leads, marketing, and daily workflows, aiming to make it the number one CRM in the mortgage industry. They also introduce HL4 (HighLevel for Mortgage Pros), a comprehensive support community for loan officers using H...

4 months ago

26 minutes

The MLO Project

You're Either All-In or You're All-Out w/Darren Copeland | Ep. 32

Send us a text In this episode of the MLO Project, Michael and Frazier are joined by special guest Darren "DC" Copeland, owner and founder of Summit Lending. The discussion covers a range of topics including overcoming obstacles, the importance of being coachable, and leveraging AI and modern marketing tactics to stay ahead. DC shares his insights from over 22 years in the mortgage industry, emphasizing the need for discipline, planning, consistent efforts, and the importance of personal bran...

4 months ago

36 minutes

The MLO Project

Real Talk: Our Hard Lessons From Failure | Ep. 31

Send us a text In this episode of the MLO Project, hosts Frazier and Michael dive deep into the topic of failure. They share personal stories of significant setbacks, exploring how these experiences have shaped their professional lives and perspectives. Frazier recounts the collapse of his business relationships and the subsequent reputational damage that forced him to rebuild from the ground up. Similarly, Michael shares his experience of getting expelled from college and the life-changing e...

4 months ago

31 minutes

The MLO Project

What's Up Niches! | Ep. 30

Send us a text In this episode of the MLO Project, Frazier and Michael discuss the importance of loan officers niching down to maximize their expertise and business opportunities. They hit on common misconceptions about limiting income potential by focusing on a niche market. They share personal experiences and insights on how becoming an expert in a specific area can lead to broader business opportunities and industry recognition. Michael also touches on Empower LO's journey from being...

5 months ago

29 minutes

The MLO Project

The Top "Must Have" Marketing Automations for Loan Officers | Ep. 29

Send us a text In this episode of the MLO Project, hosts Frazier and Michael introduce exciting news about their new initiative, High Level for Mortgage Pros 2.0. The main discussion revolves around the top five essential marketing automations for mortgage professionals, emphasizing the importance of consistent follow-up and personalization. The five key automations include instant lead response, abandoned application reminders, pre-approval follow-up, Google review requests, and a long-term ...

5 months ago

37 minutes

The MLO Project

Struggle to Success w/Chris Lamm | Ep. 28

Send us a text In this episode of The MLO Project, Michael sits down with Chris Lamm—a mortgage veteran out of Redding, California—for a raw, real-world conversation about what it takes to thrive in this business over the long haul. Chris shares how he broke into the game at 17, how he weathered the 2008 crash, and what’s kept him leveling up ever since. They dive into the gritty stuff—balancing work and family, the mental edge coaching provides, and why relationships still beat algorithms. C...

5 months ago

55 minutes