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Growth Notes

Jason Frazier

Join Executive Growth Coach Jason Frazier for a daily series featuring insights on marketing, sales, leadership, mindset, inspiration, motivation, and tactics, designed to help housing professionals grow personally and professionally.

Growth Notes is presented by DIFRNT Coaching

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83 episodes
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#637
September 13 · 3 min
You Have Already Shown That You Can Start From Nothing | Ep. 637
Starting From Nothing: Use Opportunity and Creativity This Week On a Sunday episode of Growth Notes, Frazier encourages listeners to plan the week with the mindset that they can start with almost nothing and still build something great. He reflects on how many people began adult life with little money, few connections, no audience, and limited education, especially before social media, yet still moved forward. Frazier argues that people often think they need resources, influence, or money to begin, but both he and listeners have already proven otherwise, and opportunity allows people to advance from humble beginnings. He cites creators who grew income dramatically over several years and highlights the mortgage industry as a path to building a six-, seven-, or even eight-figure life from nothing. He urges applying this belief all week and using lack of resources as fuel for creativity. Discover DIFRNT
#636
September 12 · 7 min
Five Lessons From Napoleon Hill | Ep. 636
Five Lessons Frazier Revisits in Think and Grow Rich On Growth Notes, Frazier asks what movies, books, songs, or other media people return to for inspiration, then shares that he revisits Think and Grow Rich as a foundational guide to sales, business, and success principles. He highlights five lessons: having a definite purpose with a clear, specific goal; cultivating a burning desire to create momentum through obstacles; using persistence to overcome temporary defeat (which he distinguishes from “failure,” which he associates with quitting); recognizing that opportunity often comes disguised as hardship or unexpected challenges; and viewing defeat as a stepping stone, referencing the “three feet from gold” idea and the value of seeking advice and community support to keep going. He closes by encouraging listeners to share the episode to help grow the Growth Notes audience. Discover DIFRNT
#635
September 11 · 3 min
This Is One Of The Most Powerful Things You Can Do As A Leader | Ep. 635
Real Leadership Means Asking for Help On Growth Notes, Frazier shares a simple lesson for loan officers and others facing adversity: everyone in the mortgage industry is “the CEO of you,” responsible for their reputation and brand, and therefore a leader even without owning a company or managing a team. Because success is a team effort involving processors, assistants, lenders, and others, Frazier argues one of the most powerful leadership actions is admitting you need help. He challenges the belief that leaders must have every answer, solve every problem, and carry every burden, warning that this mindset leads to burnout. Asking for help doesn’t diminish authority; it prioritizes the best outcome over ego and models for others that it’s okay to seek support.
#634
September 10 · 3 min
Is It True? Or Are You Making It True? | Ep. 634
Is This True? Challenging What You Think Is Holding You Back Frazier leads a Growth Notes exercise where listeners write down everything they believe is holding them back from achieving what they want, using any tool to record their list. Afterward, he instructs them to go through each item and ask, “Is this true?” relying on facts rather than feelings, and to prove whether each belief is actually true. He uses examples like mortgage rates, noting they may be obstacles but questioning whether they truly prevent success when others are still doing deals. Frazier shares that his coach gave him this exercise and that, while writing, he noticed his mind pushing back on certain explanations, which can reveal limiting beliefs or scarcity thinking. He adds a second question: “Are you making it true?” Discover DIFRNT
#633
September 9 · 5 min
Here Is Some Story Time For You | Ep. 633
Use Storytelling Hooks to Keep Prospects Reading (Lessons from The Conversion Code) In this Growth Notes episode, Frazier shares a tactical marketing lesson from the newest edition of Chris Smith’s The Conversion Code on using a “storytelling hook” to increase content consumption. He explains that long intros like stating your name and credentials cause people to bounce because attention is limited, so content should open with a problem and a story to quickly signal relevance. Using an example that reframes “best iPad apps for real estate agents” into a short narrative about a real agent named Susie, he notes Groove HQ data showing storytelling versions drove a 269% increase in readers and a 521% increase in average time on page. Frazier ties this to marketing as moving people to the next step and invites listeners to Wednesday’s 10:00 a.m. Eastern Mortgage Mornings on leveraging contract processor relationships to close more loans and scale. Join Mortgage Mornings
#632
September 8 · 3 min
Don't Be Confined To A Box...Break It | Ep. 632
Break the Box: Finding More Than One Path to Growth On Growth Notes, Frazier says most people drastically underestimate how many paths are available to them, especially in business, where originators often default to a small menu of options like getting more agents, better rates, more leads, or changing companies. He argues there are many other approaches, such as building a niche, focusing on “lifestyle” local authority to generate attraction, creating a brand around a specific borrower type, strengthening relationships, and improving skills. The real challenge is getting trapped in familiar options and copying what peers are doing. Frazier suggests a thought experiment—if agents disappeared tomorrow, how would you build your business?—to force expanded thinking, experimentation, and learning from what doesn’t work, which he says will be increasingly important in the current market.
#631
September 7 · 3 min
AI Will Magnify What You Already Are | Ep. 631
AI Magnifies the Operator, Not the Tool On Growth Notes, Frazier says AI will make some people better and others worse because it amplifies whatever habits and skills someone already has. Organized, thoughtful, disciplined communicators can use AI to move faster and operate at a higher level, while poor follow-up, messy databases, and generic messaging will just be scaled up more quickly. Frazier argues most people focus on the tool, but the real power is the operator, since stronger tools don’t fix weak judgment—they extend it. He gives an example of using AI to prepare for conversations with consumers or agents: without notes and context, AI produces average answers, but with detailed notes from past conversations and clear understanding of what the person cares about, AI delivers far more effective preparation. Last day to join DIFRNT!
#630
September 6 · 3 min
This Is The Only Thing You Should Be Chasing In Your Business | Ep. 630
Chase Impact, Not Attention On Growth Notes, Frazier says most people chase a “scoreboard” on social media—followers, likes, views, comments, and reach—because it feels good, but those numbers reflect attention, not impact. He argues the one thing worth chasing to change a business is impact, measured by whether content helps someone, shifts how they think, solves a problem, clarifies confusion, or sparks a conversation. Frazier emphasizes that attention is fleeting, while impact is more likely to create business, noting that some large audiences generate little while smaller, impact-driven audiences build something strong through trust. When content is useful, relevant, and informed, attention can turn into authority and agency, which he says are essential right now. He also reminds listeners there are two days left to join Different before it closes on the 7th. Discover DIFRNT
#629
September 5 · 4 min
Everybody Loves the Idea of Overnight Success | Ep. 629
The Unseen Work Behind “Overnight” Success: Patience and Skill In this Growth Notes episode, Frazier says success is often judged by lagging indicators like rising attention, content plans working, attracting business, and overall growth, which can look fast from the outside, but the more important story is the unglamorous process: bad videos, terrible marketing, ignored outreach, flawed conversations, and repeated changes to messaging, approach, and sales mechanics. He argues that real progress requires combining patience with skill—patience alone becomes waiting without action, while skill alone can lead to constantly starting over, especially with ADHD. Frazier notes many people quit too early, such as abandoning content after a few weeks without instant results, and emphasizes staying in the game long enough to see growth and results. Discover DIFRNT
#628
September 4 · 3 min
This Can Cost You More Than an Imperfect Decision | Ep. 628
The Most Expensive Business Habit: Taking Too Long to Decide In Growth Notes, Frazier explains that one of the most expensive business habits is taking too long to decide, emphasizing that speed matters and prolonged thinking stalls progress. He notes that indecision leads to missed opportunities and stalled relationships because markets and time don’t stop, and someone else will take the spot while you hesitate. Since most business decisions can’t be made with perfect information, Frazier urges making the best decision possible with what you know today, then moving and adjusting based on feedback and data gained from action. He warns that delaying spreads into other areas, slowing the entire business, and that people underestimate the risk of doing nothing. He advises choosing a pending change, identifying what information is truly needed, setting deadlines and constraints, deciding, learning, and continuing to move. Discover DIFRNT
#627
September 3 · 5 min
Be Bold And Make It Real Today | Ep. 627
Stop Hiding in Preparation: Take Action and Launch In Growth Notes, Frazier argues that businesses aren’t rewarded for having smart ideas, plans, or perfect marketing, but for putting things into motion while time and the market keep moving. He describes how people delay actions like making videos, building agent relationships, sending newsletters, hosting events, or launching referral programs by waiting for the “perfect” format, presentation, or CRM setup, and how planning can become a way of hiding. Frazier emphasizes the advantage of action: publishing something now creates real feedback and information that planning can’t provide. He encourages being willing to move without every answer, accepting early mistakes and low response as normal, and setting a clear deadline to launch one delayed idea today so it can be improved tomorrow. Discover DIFRNT
#626
September 2 · 4 min
You Have To Put Time Over Technology | Ep. 626
Time Discipline Beats New Tools Frazier opens with a reminder that it’s Wednesday and invites listeners to Mortgage Mornings at 10:00 a.m. Eastern Time, featuring a sales masterclass led by Jonathan Haddad with the link in the show notes. He then emphasizes that while people get excited about new tools like AI, automation, CRMs, dashboards, and apps, the skill most likely to determine whether you hit your goals is time discipline, not “time management.” Frazier notes that many say they lack time to prospect, follow up, create content, or stay in touch with clients, but their calendars usually reveal available time and inefficiencies; the bigger issue is failing to protect business-producing activities. He urges using the calendar to block focus time for prospecting, follow-up, and relationships, and says AI only helps if you use the added capacity intentionally. Join Mortgage Morings Today!
#625
September 1 · 5 min
Consistency Comes Down to Two Words | Ep. 625
Two Words for Consistency: Decision and Commitment Frazier shares a growth note on consistency, emphasizing that it comes down to two words: decision and commitment. He announces the launch of the Mortgage AI Podcast at mortgageaipodcast.com and that membership is open for Different through September 7th, limited to 150 people for the next 12 months. He explains that there will never be a “perfect week,” so you must decide what you’ll do before the day starts negotiating with you, allowing the schedule to shift while keeping the commitment. Frazier challenges listeners to keep promises to themselves as reliably as they do for others, noting that consistency isn’t a perfect streak but how quickly you restart after missing a day, week, or month. He urges listeners to pick one thing, decide, commit, and follow through with action. Discover DIFRNT
#624
August 31 · 5 min
Stop Hanging On To Your "Three Percent" Rate | Ep. 624
Let Go of the 3% and 4% Rate Mindset: Stop Waiting and Start Changing Frazier urges loan officers to stop “holding on” to the old, comfortable ways of doing business—likening it to consumers clinging to 3%–4% mortgage rates even when high-interest debt is crushing them—and argues that ineffective methods are contributing to production struggles despite deals still being done. He says many people have waited for market conditions they can’t control, then lost a few deals with nothing to back them up, leading to financial stress. Frazier announces the Mortgage AI podcast launches tomorrow with a transition “episode zero” in the show notes, and that Different membership opens September 1–7 (waitlist gets early access today), capped at 150 members with a little over 50 currently. He also invites struggling loan officers to email him to join his Thursday 10:30 AM Still Standing call. Discover DIFRNT Listen to the Mortgage AI Podcast
#623
August 30 · 6 min
Consistency Isn't Want You Think It Is | Ep. 623
Consistency Isn’t Perfection—It’s How Fast You Get Back to the Work In this Growth Notes episode, Frazier explains that consistency isn’t doing everything every day or executing perfectly; it’s the ability to return to the work quickly after life and business disrupt your plans. He argues that “falling off” is normal—closings blow up, clients need things, kids get sick, travel happens—but the real issue is how long you stay off track and let one missed day become weeks. Frazier encourages making key activities (like spending time in the “green zone,” having conversations, following up with the database, staying visible, creating content, protecting time, and serving clients) default behaviors so results can compound over time, especially on boring, ordinary days. He also announces that membership reopens on the 1st and he’s looking for 150 people for the next 12 months. Discover DIFRNT
#622
August 29 · 6 min
Your Success Comes Down To What You're Willing To Do | Ep. 622
What It Takes: Mastering Your Will When Conditions Aren’t Good On Growth Notes, Frazier shares a closing message from his weekly Friday “WIT” (What It Takes) call, where the group recaps personal and business wins and uses a hot seat to work through challenges. He argues the true measure of commitment is showing up and taking action when it’s the last thing you want to do, because successful people don’t win through excuses. Frazier says the industry is at an inflection point and many won’t make it through, but opportunity remains for those rooted in principles like consistency, keeping commitments, and strengthening will through reps. He encourages small, focused steps—similar to the one-day-at-a-time approach of 75 Hard—sticking to a plan and strategy, and taking market share as competitors falter due to inaction. Discover DIFRNT Coaching
#621
August 28 · 7 min
I Failed Yesterday! This Is What I am Going To Do Today | Ep. 621
Temporary Defeat: Starting Over After Breaking the Streak Frazier shares how he “failed” on day 10 or 11 of using Lantern, his personal development app for loan officers, by forgetting to complete the end-of-day reflection after staying up late for a lunar eclipse with his son, which broke his streak and forced him to start over. He explains that Lantern tracks daily actions and streaks, and even missing a small required step means the day doesn’t count. Drawing parallels to 75 Hard—where missing one task requires restarting—he emphasizes that perfection is a myth and that setbacks are best viewed as temporary defeat, not failure. For Frazier, real failure is quitting, and he encourages listeners to reset, pivot, and recommit to the mission by getting back up and doing the work again. Discover DIFRNT
#620
August 27 · 3 min
Be Intentional About Building Your Circle From Scratch | Ep. 620
Beyond Your Circle: Build a Purpose-Aligned Community Frazier explains that personal growth isn’t just about having a “good circle” of people from different phases of life, but about intentionally surrounding yourself with people aligned in purpose and on the same mission of growth. He emphasizes seeking out a tight-knit community that supports collaboration, accountability, and shared momentum, rather than relying on proximity relationships or distant mentors. Frazier notes the difference between simply joining a Zoom call and being part of a connected group where members know each other and actively grow together. He doesn’t want to be the only voice in someone’s head and acknowledges his limitations, stressing the value of diverse perspectives from people “in the trenches.” He encourages listeners to intentionally find and build this collective to progress faster and feel less weary along the way.
#619
August 26 · 7 min
2 Year Look Back: Are You Still Being Transactional? | Ep. 619
Stop Being Transactional: Competing With Servicers in the Coming Refi Wave Frazier shares a growth note from August 26, 2024, arguing that treating refinancing as a one-time transaction hurts long-term business, especially as rates create a refi “wave,” not a COVID-style boom. He says this will be the most competitive refi market ever because servicers value retaining the asset and customer through MSRs and can price at break-even or a loss, making it hard for loan officers to compete on price. To avoid losing deals, he urges listeners to “act like a servicer” by staying consistently in front of clients with a full-court press (calls, mail, emails, texts) and a clear plan that builds stickiness beyond a single conversation. He notes claims that servicers may retain 85% and that brokers retain around 25%, leaving a limited share of opportunities. Join Mortgage Mornings Discover DIFRNT Call
#618
August 25 · 6 min
Why Are You Choosing Not To Learn? | Ep. 618
Stop Saying You’re “Not Good With Tech”: Upgrade Your Limiting Beliefs Frazier reflects on a previous Growth Notes episode about upgrading beliefs to create change and explains three kinds of limiting beliefs: about the world, others, and ourselves, focusing on self-limiting beliefs. He uses “I’m not good with tech” as a common example, calling it a cop-out and arguing that people can learn technology the same way they learned other skills through practice and repetition. He cites seeing older clients in his program become proficient with tools, including AI, once they had goals that required it, while others stay behind by repeating the belief. He urges listeners to identify the “I can’t” stories they tell themselves and decide to stop using them as excuses. He also announces a Wednesday Q&A call about coaching and notes the membership opens for seven days starting next Tuesday. Learn about DIFRNT

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