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In 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 anymore
• Building a tech-enabled brokerage that can scale without breaking
• How small brokers can compete with big retail ops
• Why speed still kills—and slow still loses
• AI, APIs, and building the “ideal” experience
• Personal resilience: Jason’s journey through addiction and recovery
• Launching a coaching portal powered by AI + years of hard-won experience
• Why most brokerages wait too long to invest in infrastructure
• Why perfect doesn’t exist—but the ideal is real

Tactical Nuggets:

• Designing operational models that absorb 40–50 loans overnight without chaos
• How to structure teams so originators get the support they deserve
• Why it’s time to unlearn what worked in the past
• How Kemmer is using two years of coaching transcripts to build a GPT-powered training hub
• Planning for efficiency now so you’re not scrambling when the boom hits

Big 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 Kemmer

Guest 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