The MLO Project

Delete the Drama or Stay Broke | Ep. 46

Send us a textSome 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 aroundThe kind of feedback that kills your momentumSocial media etiquette for professionals (read: stop being a hater)When to unfollow, unfriend, and unplugWhy "I've been doing this for 20 years" is a 🚩 not a flexThe subtle way negativity spreads without you noticingFrazier’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.

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

Send us a textThis 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 rates or realtors. It has everything to do with your standards.From weak routines to second-guessing your own value, this episode will either shake you awake or offend you. Either way, it’s exactly what the middle of the market needs to hear.🔥 What You’ll Hear:Why confidence sells before the price ever shows upHow price objections usually come from your own doubtWhy the market owes you nothing—and never didThe energy transfer LOs don’t realize they’re makingA challenge that could transform your entire weekThe problem with “average” and why most of the industry lives there🎯 Frazier’s Challenge of the Week:✅ One full day.✅ 100% effort.✅ Zero excuses.Can you actually give all of you for just one day? If not, stop saying you want to win.💥 Why This Episode Matters:This market is hard. But winning is still possible.And the ones who will win?They’re the ones who stop whining, stop waiting, and start working like they mean it.If this one hit you hard, that’s the point.Tag @JasonFrazier and @MichaelMcAllister in your post. This is The MLO Project. Now go do something with it.Join us in HL4 on The MLO Hub!

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

Send us a textWe’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.

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

Send us a textZillow 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 what’s the real fix—more regulation, deregulation, or just brutal honesty?This episode pulls no punches. We talk straight. We call out the games. And we challenge anyone in the industry to step into the ring if they’ve got a different take.Plus:💥 McAllister gets fired up about gray areas👊 Why this lawsuit is just the start🧠 The big questions around ethics, enforcement, and industry hypocrisy⚖️ What should be legal vs. what’s actually going down🚫 Why fines don’t change behavior💼 And yes, Uncle Rico makes an appearance.Why This Episode Matters:If you’re in mortgage or real estate, this lawsuit isn’t noise—it’s a seismic shift. Whether you’re team “all MSAs should die” or “leave us alone and let us market,” this conversation will challenge your thinking and sharpen your strategy.Join HL4Email us at themloproject@empowerlo.com

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

Send us a textIn 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 sober, and rebuilding with intention. He shares how he's preparing his team to not just survive the next boom—but scale it, stress-free. This is a raw, strategic, and transparent deep dive into the mindset and systems that separate stagnant shops from future-proof machines.Key Topics Covered:Why operational efficiency isn’t optional anymoreBuilding a tech-enabled brokerage that can scale without breakingHow small brokers can compete with big retail opsWhy speed still kills—and slow still losesAI, APIs, and building the “ideal” experiencePersonal resilience: Jason’s journey through addiction and recoveryLaunching a coaching portal powered by AI + years of hard-won experienceWhy most brokerages wait too long to invest in infrastructureWhy perfect doesn’t exist—but the ideal is realTactical Nuggets:Designing operational models that absorb 40–50 loans overnight without chaosHow to structure teams so originators get the support they deserveWhy it’s time to unlearn what worked in the pastHow Kemmer is using two years of coaching transcripts to build a GPT-powered training hubPlanning for efficiency now so you’re not scrambling when the boom hitsBig Quote:“You’re 100% in control of your income. I don’t care what the market’s doing. I’ve had great years in this market—and so have others. It’s mindset and execution. Period.” – Jason KemmerGuest Plug:Jason is building a full coaching platform loaded with systems, calculators, AI tools, and years of strategic content for loan officers and team leaders. Connect with him on social to learn more and get on the early list.https://firstcoastmortgagefunding.com/KindlerCoaching