Growth Notes

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 objects and focus on basics...

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 isn’t the problem—holding ...

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 honoring commitments on low...

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 many loan officers stay in ...

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 achieve about four and a hal...

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 partners who send business...

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 argues there is no downsid...

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 keeping people from takin...

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 on others can lead to emo...

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 content in ways the creator can...

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 specific income goal for the...

Don’t Follow People Covered in Sand: Victimhood vs Extreme Ownership

The speaker shares a midweek “growth note” inspired by a podcast idea: “don’t follow people that are covered in sand,” meaning people whose foundation is built on blaming others for their circumstances. While acknowledging that everyone experiences trauma and adversity in varying degrees, he argues that lasting strength comes from extreme ownership, respo...

Be Willing to Be the Exception

In this Growth Notes episode, Frazier explains that exceptional results require being willing to be the exception rather than living by common standards. He says exceptional people do what most won’t: they avoid excuses, show up consistently, and maintain higher standards, which compounds into extraordinary outcomes built through ordinary discipline repeated over time. Frazier notes that bein...

More Money Won’t Buy You More Time: Manage Time Pressure with Intention

Frazier opens Growth Notes with a message about valuing time and rejecting the belief that earning more money will create more free time. He explains that people at every revenue level feel busy, and increased revenue typically brings more responsibility, decisions, complexity, and demands on attention rather than more hours. He urges listeners to inte...

822 Hours: The Productivity Reality Check for 2026

In this Growth Notes episode, Frazier explains that the “822” in his title refers to the estimated number of productive work hours high performers have in a year once weekends, vacations, and typical productivity limits are considered, noting top performers may reach around 1,100 hours while average productivity totals about 678 hours. He emphasizes that distractions steal...

Mentorship, Fragmentation, and Building Real Training in the Mortgage Industry

In this Growth Notes episode, Frazier reflects on a mortgage-industry post that sparked many conflicting comments over a simple process question, highlighting how fragmented training, mentorship, and leadership are across the industry. He explains that new loan officers often face a stacked deck without a strong mentor because success can depend...

Embracing Obstacles: The Path to True Growth

In this short yet impactful episode, Frazier discusses the vital role that obstacles and challenges play in achieving success and personal growth. He emphasizes that avoiding difficulties can lead to stagnation, while facing them head-on builds strength, resilience, and creativity. Frazier encourages listeners to view adversity as a test of character and an opportunity to expand...

Are You the Bottleneck in Your Business Growth?

In this episode of Growth Notes, Frazier discusses the critical concept that an entrepreneur might be the main obstacle to their own business growth. He emphasizes the importance of distributing responsibilities and creating systems that empower team members to make decisions. By doing so, businesses can scale more effectively and not be limited by a single person's time...

Overcoming the 5 Mental Barriers to Success

In this episode of Growth Notes, Frazier discusses the five mental barriers that can sabotage success, especially in the mortgage industry. He identifies doubt, discouragement, delusion, delay, and emotional suppression as key obstacles and offers actionable advice on overcoming them. Frazier emphasizes the importance of trusting your preparation, embracing the fundamentals of bu...