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It’s a new year, which means your feed is flooded with goal-setting posts, vision boards, and all the same recycled motivation. But here’s the truth: None of that matters without execution. In this episode, Frazier and Michael torch the traditional January BS and get straight to what actually drives success in 2026.

You’ll hear why most loan officers set goals that are more about ego than execution—and how that mindset will keep you broke and burned out. We break down the difference between real commitment and performative goal-chasing, and give you the mental framework needed to stop resetting your goals and start finishing them.

No gimmicks. No cute quotes. Just a full-throttle conversation about what it actually takes to win this year—and why headlines might be your best strategy yet.

💥 What You’ll Learn

• Why most goals are designed to make you feel productive, not be productive
• The real reason you fall short by February
• How “headlines” are better than goal lists (and what that actually means)
• What to do when motivation fades
• The mindset shift that separates top producers from everyone else

🧠 Why This Episode Matters

This isn’t another “set your goals” pep talk. It’s the slap in the face you need to stop playing small and start leading with clarity and conviction. If you’re tired of fake progress and real burnout, this episode is your reset button.

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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 chasing shiny objects, while uncovering powerful truths about layered affordability solutions and compliance complacency. Michael fires back with a deeper look at DSCR momentum, TCPA liability, API key nightmares, and why brokers need to wake up about their exposure.

Whether you’re fired up for growth or still dragging from 2025, this conversation is your reality check heading into the new year.

💥 What You’ll Learn

• Why the “2026 Reset” isn’t a prediction—it’s overdue discipline
• The real risks behind non-compliance and liability landmines
• How DSCR loans are becoming a long-term shift, not a passing trend
• Why serial TCPA litigators are your biggest hidden threat
• How brokers are recklessly exposing client data without knowing it
• The difference between real execution and just hoping something sticks
• What loan officers must fix before it costs them everything

🧨 Hard Truths Dropped

• “You’re not getting a pass because you did it right last year.”
• “If you’re waiting for affordability to be solved, you’ll be waiting forever.”
• “There’s no silver bullet. There’s just layered solutions and discipline.”
• “Compliance isn’t your problem—liability is.”
• “Most brokers are one Zapier key away from a data breach.”

🚨 Sponsors
This episode is brought to you by:

• MLO Hub – Your all-in-one platform for community and growth
• HL4 – High-Level automation built for mortgage
• Empower LO – The growth engine behind top-producing brokers

🔗 Join the Community
Ready to cut the noise and grow with real professionals?
Join the MLO Hub community today (free to join). Links are above.

💬 Want to Be Featured or Debate a Topic?
Slide into Frazier or Michael’s DMs. This show is made for LOs who are done playing small.

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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 groups to legacy LOs poisoning the office with fear and frustration, this episode is about cutting the cord and reclaiming your mindset.

What You’ll Hear:

• Why loan officers can't afford to keep toxic voices around
• The kind of feedback that kills your momentum
• Social media etiquette for professionals (read: stop being a hater)
• When to unfollow, unfriend, and unplug
• Why "I've been doing this for 20 years" is a 🚩 not a flex
• The subtle way negativity spreads without you noticing

Frazier’s Challenge of the Week:

✅ Audit your environment.
✅ Audit your circle.
✅ Audit your feed.

If it drains you, it’s gone.
You can't grow surrounded by people who hate growth.

Why This Episode Matters:

Most people don’t fail from lack of skill—they fail from the wrong proximity.
Bad energy is contagious.
And if you're trying to win in 2026, you better start cleaning house now.

Ready to Replace Toxicity with Momentum?

Join the MLO Hub and plug into a community built for loan officers who want more: more growth, more action, more real. It’s free. It’s focused. And it's where the winners hang out.

🎧 Listen. Reflect. Take action.
This is The MLO Project.
Let’s go.