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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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66 episodes
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#680
Yesterday · 3 min
The Answer To This Question Is The Most Expensive One | Ep. 680
When Growth Outpaces Operations Host Frazier opens the Monday episode of Growth Notes by noting it’s the final full week of October and urging listeners to prepare for the last stretch of 2026. He highlights a key scaling question many overlook: what happens when a business grows faster than its ability to operate. Frazier explains that broken processes become costly and chaotic as volume rises, and rapid hiring can magnify damage from poor hires without consistent leadership. He argues that growth and revenue don’t fix dysfunction; more clients won’t repair weak communication, more employees placed into sloppy systems won’t improve execution, and more volume won’t correct bad financial habits. Scale extends strengths but exposes weaknesses, making early-stage problem-solving the most affordable time to strengthen the foundation needed to carry success.
#679
Sunday · 3 min
You Don't Only Build...You Also Optimize | Ep. 679
In this episode of the Growth Notes Podcast, Frazier expands on a prior growth note to explain why you shouldn’t strive for a “perfect” month in your operation. While you can hope things go smoothly, challenges and process breakdowns will always exist, and the goal is to actively assess your business to find what isn’t working so you can optimize it. He connects this mindset to Kaizen, encouraging listeners not to fear discovering where systems are failing or underperforming, while also not inventing problems that aren’t there. Frazier emphasizes establishing monthly baselines, keeping history, and evaluating not just whether actions were completed, but how effective communication, workflows, and activities were—then refining and changing processes based on what the assessment reveals.
#678
Saturday · 3 min
It's Usually The System, Not The People | Ep. 678
It’s Not the People, It’s the System: Kaizen and Process-Driven Growth In this episode of the Growth Notes Podcast, Frazier revisits the importance of systems and processes through the lens of Kaizen, the Japanese philosophy of continuous improvement. He explains how Kaizen expects every person in an operation to improve their role, recommend changes, and flag inefficiencies so everyone shares responsibility for outcomes. Drawing a parallel between auto manufacturing and mortgage lending as a cradle-to-grave “manufacturing” process, he shares a story where a GM plant was deemed inefficient and shut down, then became the most successful car plant in the country after Toyota implemented its systems—using the same plant and the same people. Frazier’s core takeaway: performance gaps are often driven less by individuals and more by the system or lack of one.
#677
Friday · 4 min
Standing Out Requires You To...STAND...OUT. | Ep. 677
Stand Out with Early Birthday Messages Frazier introduces a throwback Growth Note dated October 23, 2024, shared on a Friday even though the original was a Wednesday, and ties it to his recent birthday. He encourages listeners to commit to growth in the final quarter of 2024 and asks if they are using October through December to get six months ahead. Using birthdays as a common CRM touchpoint, he explains that automated greetings blend into the “sea of sameness,” while personal messages stand out. He coaches loan officers to send a personalized birthday greeting—ideally a video—one week early, explicitly noting the early timing to show genuine thoughtfulness, be memorable, and differentiate from cookie-cutter automation.
#676
Thursday · 3 min
Never Believe That You're Finished Becoming Who You Can Be | Ep. 676
Don’t Let Comfort Kill Your Growth In this episode of the Growth Notes Podcast, Frazier reflects on turning 50 and uses it to explore what happens when the life you worked hard to build finally becomes comfortable. He emphasizes there’s nothing wrong with enjoying success—being proud of the business, reputation, relationships, and opportunities you’ve created—because you pay a price to earn them. The real danger begins when gratitude turns into an “I’ve arrived” mindset. Frazier reminds listeners that growth never stops asking something from you: there’s always another skill to sharpen, another weakness to confront, and another version of yourself your next level will require. He encourages celebrating milestones while refusing to believe your development is complete and continuing to expect more from yourself.
#675
Wednesday · 3 min
Commitment Starts Before Your Day Begins | Ep. 675
Frazier opens the Growth Notes Podcast with a Wednesday reminder that Mortgage Mornings airs at 10:00 AM Eastern and teases a conversation with Sam Parker about saving more of the volume you already have. He then focuses on commitment, describing the “most expensive meeting” of the day as the one you have with yourself the moment you wake up, when you start negotiating tasks and letting negative thoughts creep in until half the morning is gone. Frazier argues commitment begins when you stop renegotiating decisions daily: decide once, remove your own vote, and put what matters on your calendar as non-missable appointments. He encourages listeners to pick a plan, “sink the boat,” and run it for 90 days to boost energy and focus, and to treat commitments to themselves like commitments to others. Join Mortgage Mornings
#674
October 20 · 3 min
Nobody Wakes Up Wanting To Be Mediocre | Ep. 674
Be Careful What You Justify: How Mediocrity Creeps In In this episode of the Growth Notes Podcast, Frazier reflects on a conversation about mediocrity and why most people don’t wake up choosing to be average, even if they’re tired or worn down by the industry. He explains that mediocrity usually doesn’t come from one catastrophic decision, but from small justifications—skipping today, calling something “good enough,” assuming nobody will notice, or telling yourself you’ve done more than most. Frazier warns that once you excuse lowering a standard, it becomes easier to repeat, turning exceptions into habits and habits into your ceiling. His takeaway is to watch what you continually justify, because in this market, average isn’t going to win.
#673
October 19 · 3 min
What Happens to Your Hunger After You Win? | Ep. 673
What Happens to Your Hunger After You Win? On a Monday episode of Growth Notes, host Frazier asks what happens to your hunger after you win. He explains that when you have nothing, motivation comes naturally because your back is against the wall and you’re trying to prove yourself and create opportunities. But once success arrives—clients, recognition, money, or a hard-earned position—the pressure eases, urgency disappears, and people often take their foot off the gas as preparation slips and standards loosen. Frazier warns that in business every month starts at zero and yesterday’s work won’t protect tomorrow’s success, so winning should not change the habits and routines that made it possible. He encourages listeners to celebrate accomplishments, then get back to work and keep winning daily, weekly, monthly, and yearly.
#672
October 18 · 4 min
Don’t Let One Reaction Undo Years of Work | Ep. 672
In this Growth Notes Podcast episode, Frazier talks about why self-control is critical in today’s market, especially during emotional moments when the most expensive business decisions get made. He shares common triggers—deals falling apart, being challenged by consumers or agents, disappointments from assistants, processors, or lender teams—and explains that feeling strongly doesn’t mean you have clarity. Frazier notes that anger narrows vision and options, ego pushes you to prove a point, and frustration and impatience can lead you to trade long-term opportunity for immediate relief. His message is to take a beat before sending messages, making changes, ending relationships, or committing to decisions you can’t easily undo, protecting the trust, reputation, and business you’ve built over years.
#671
October 17 · 3 min
Maximize Your Time and Never Stop Communicating | Ep. 671
In this Growth Notes Podcast episode, Frazier explains that the best thing to do right now comes down to communication and time management. He warns that entrepreneurs and work-from-home loan originators can’t let flexibility turn into a disadvantage, especially when competing against call-center loan officers who maintain nonstop outreach. Frazier stresses that you must maximize your time to protect retention and prospecting efforts, because competitors will call, email, and mail consistently until told to stop. He also references Cody Sanchez’s discussion about being “owned” by technology and AI, arguing that refusing tools like AI can create a time disadvantage against competitors who use them. His two takeaways: don’t purposely put yourself at a disadvantage in this market, and don’t stop communicating with agents, clients, prospects, and leads—build a real experience and stay top of mind.
#670
October 16 · 2 min
People Chase Opportunity When It Becomes Obvious | Ep. 670
Opportunity in Chaos: Do the Work Others Avoid In this episode of the Growth Notes Podcast, Frazier shares a quick message on how chaos and crisis create the best opportunities—often ones most people miss. He explains that many in the industry chase opportunity only after it becomes obvious, when competition rises and margins shrink. Instead, Frazier encourages listeners to look for the problems others avoid because they’re difficult, messy, time-consuming, or boring, and to focus on fixing processes no one wants to touch or serving markets others have written off. He emphasizes that ignored opportunities often require more patience, skill, creativity, and discipline than most are willing to apply, and that real value and wealth are created by solving the problems everyone else keeps avoiding.
#669
October 15 · 2 min
Your Calendar Only Shows What You Planned To Do | Ep. 669
Attention Over Time: Protect What Matters On Thursday’s Growth Notes, host Frazier says attention is one of the most valuable business assets because where you place it determines what improves, what gets ignored, and what begins to control you. He argues that while people focus on managing time, attention dictates what actually gets done within scheduled blocks, which can be eroded by distractions like notifications, emails, and random requests. Frazier notes that small interruptions compound over time and train you to react to whatever appears, leaving you busy all day without making meaningful progress on work that matters. He emphasizes that what receives focused attention gets better, what’s ignored becomes a growing problem, and recurring distractions can shape how you operate. He urges listeners to decide early what deserves their best attention and protect it, using the calendar as accountability while recognizing that actual attention reveals the truth.
#668
October 14 · 4 min
Developing Skills Is As Important As The Result | Ep. 668
Borrowing Results vs Building Skills Frazier opens Wednesday’s Growth Notes by inviting listeners to AIM’s weekly Mortgage Mornings workshop every Wednesday at 10:00 AM Eastern (link in the show notes). He shares a topic inspired by a question from Dave Z about paying to have something done versus learning to do it yourself. Frazier notes that information and tools are easier to access than ever—tutorials, templates, courses, coaches, and AI—but warns this can hide a problem: borrowing results without building ability. He describes how people collect scripts or prompts without learning how to actually have conversations or think critically, becoming dependent on tools. Resources should shorten the learning curve while making you more capable; he suggests asking whether you can explain, adapt, and reproduce results without exact instructions. He encourages paying for some tasks, but not at the expense of personal growth and skill development. Join Mortgage Mornings
#667
October 13 · 3 min
Falling Down Doesn't Mean You Chose Wrong | Ep. 667
Falling Down Isn’t Evidence You Chose the Wrong Path On the Growth Notes Podcast, Frazier shares a Tuesday growth message about “creating evidence” and how setbacks can distort what we believe about ourselves and our path. He explains there are external forms of evidence—actions, activities, and outcomes that show progress—and internal evidence we search for when challenges hit. Frazier admits he’s mistaken a bad result for a final answer, but reframes obstacles as learning moments that provide information about strategy, execution, preparation, pace, and unrealistic expectations. He encourages listeners not to abandon their goals too quickly and to ask whether the idea failed or the approach failed, whether they were wrong or early, and whether they need a new direction or better preparation. Falling down, he emphasizes, isn’t proof you chose the wrong path—sometimes discomfort is evidence you chose the right one.
#666
October 12 · 3 min
Are You Resting or Avoiding? | Ep. 666
Rest vs. Avoidance: The Real Test of a Mental Health Day In this Growth Notes Podcast episode, Frazier explores the potential danger in how “mental health days” are casually used and offers a framework to tell the difference between true rest and avoidance. He explains that real rest creates recovery—stepping away long enough to regain energy, clear your head, and return ready to re-engage—while avoidance may feel similar at first but keeps extending the distance from the pressure. Frazier notes how a day off can turn into three, then a week, making it harder to return than what you were escaping. He encourages listeners not to judge rest by how it feels in the moment, but by what it prepares them to do next, warning that unstructured “F off” time can normalize retreat and stall growth.
#665
October 11 · 2 min
Staying Put Feels Free, But It Ain't | Ep. 665
The Hidden Cost of Staying the Same On a Sunday episode of Growth Notes, host Frazier checks in after a storm, sharing that he and others in its path are okay aside from brief power loss and some downed trees, then asks why staying put feels safer. He explains that change makes risks obvious—money, time, effort, and the chance of being wrong—while doing nothing seems risk-free, causing people to focus on what they might lose instead of what staying the same is already costing them. Drawing on examples from loan officers and business, he notes many people later wish they’d made changes sooner despite the inevitable struggles, doubts, and growth pains. Frazier encourages listeners to stop waiting for perfect conditions and make a small forward move this week that interrupts an unhelpful pattern.
#664
October 10 · 3 min
You Don't Have A Business If You're Making It Up As You Go | Ep. 664
How Does Important Work Get Done in Your Business? On a stormy Saturday episode of Growth Notes, host Frazier asks how the important work gets done in your business and warns that if the answer changes based on the day, person, or busyness, you’re making it up as you go. He explains that while instinct can solve a problem once or twice, sustainable businesses need repeatable systems that define what happens, in what order, who owns each step, and how results are measured. Repeatability reveals what works, where processes break, and what needs improvement, rather than relying on guessing and calling it flexibility. Frazier challenges listeners to identify the work causing the most confusion or wasted time, write down how it’s done today, test it under real conditions, and fix what breaks, noting that if everything depends on memory or one person, it’s a habit, not a system.
#663
October 9 · 3 min
Make Your Recurring Actions Small Enough to Sustain | Ep. 663
Sustainable Consistency: Build Commitments That Fit Your Real Life Frazier shares a practical growth note on consistency and recurring actions, emphasizing that sustainability is the key to progress. He explains that a common mistake when building a new habit, system, or routine is setting standards based on perfect conditions—like ideal time blocks, outreach targets, or content publishing goals—which may work briefly until life inevitably interferes through busy schedules, overlapping meetings, family needs, or low energy. He argues this isn’t a discipline issue but a mismatch between commitments and real life, so actions should be small enough to complete even on difficult days. He recommends tracking daily actions for at least two weeks to understand actual patterns and then building a plan that fits or adjusting the schedule accordingly, so you don’t start behind from the beginning.
#662
October 8 · 3 min
How Well Do You Really Know Your Business? | Ep. 662
Know Your Numbers: Operate Like a Business Owner Frazier recaps a Mortgage Mornings kickoff call with Jonathan, who shared sales strategies including communication and knowing your numbers, and encourages listeners to join future sessions. Frazier emphasizes treating your business like an owner would—understanding performance from “cradle to grave” by tracking what’s working and what’s not, so changes and optimizations are based on objective data rather than feelings. He notes that people often rely on “I feel like” assumptions instead of reality and offers a test: write down your top five most valuable agent relationships from memory, then compare that list to year-to-date numbers to see if perceptions match results. He closes by urging listeners to become better operators in their business now.
#661
October 7 · 3 min
You Don't Have To Take All The Advice But You Should Listen | Ep. 661
Heeding the Advice Around You Frazier opens Wednesday’s Growth Notes by reminding listeners about “mortgage mornings” at 10 AM Eastern, with a link in the show notes, where Jonathan is hosting another weekly sales masterclass. He then asks whether you are heeding the advice you receive, whether it’s advice you seek, unsolicited advice from others, or “free advice” coming from your circumstances, environment, and even your body through health issues. Referencing Own or Be Owned by Cody Sanchez and its themes of sacrifice, he encourages turning off the tendency to stay in your own head and refuse to listen, because even unsolicited input can make a difference in life and business. He reframes wins, losses, broken relationships, and daily events as forms of advice, urging listeners to filter for what’s useful and block what isn’t. Join Mortgage Mornings

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