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Proactivity in Loan Origination: Stop Obsessing Over Rates

In this episode of The MLO Project, hosts Frazier and Michael emphasize the importance of focusing on proactive, everyday actions over obsessing about fluctuating loan rates. They argue that industry success hinges on maintaining consistent communication with clients, having solid systems and processes in place, and focusing on long-term relationships rather than reacting to rate changes. Through lively discussion and practical advice, they advocate for a mindset shift towards creating a robust, dependable business strategy that remains effective regardless of market conditions.

00:00 Introduction and Welcome
00:29 Setting the Tone: Energy and Banter
01:10 Main Topic Introduction: Obsession Over Rates
03:05 The Importance of Consistent Business Practices
05:20 Proactive Communication with Clients
07:45 Systems and Processes: The Key to Success
17:34 Final Thoughts and Invitation for Debate

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In this episode of the MLO Project, hosts Frazier and Michael discuss the impact of media sensationalism, particularly focusing on a recent headline by HousingWire that inaccurately suggested that Equity Prime Mortgage (EPM) could no longer originate FHA loans. The hosts emphasize the importance of reading beyond headlines and understanding the broader implications of clickbait on both individual behavior and the mortgage industry. They also urge listeners to maintain focus on their roles in serving communities and promoting homeownership while being cautious of the distractions and manipulations often present in media and social media.

00:00 Introduction and Greetings
02:02 Current Events and Media Influence
03:24 The Role of Media in the Mortgage Industry
12:13 Case Study: HousingWire and EPM
23:46 The Importance of Personal Accountability
27:34 Conclusion and Call to Action

TMP is presented by: Empower LO

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In this episode of the MLO Project, Frazier and Michael dive into the importance of community in the mortgage industry and announce the launch of MLO Hub - a new platform designed specifically for mortgage professionals to connect, learn, and grow together.

The Community Problem

• Why Facebook groups aren't cutting it for professional growth
• The challenge of siloed communities in the mortgage industry
• How social media distractions hurt productivity
• The need for focused, professional spaces

Introducing MLO Hub

• A school-like community platform built specifically for mortgage professionals
• White-labeled solution that keeps everything mortgage-focused
• Available as a downloadable app (search "MLO Hub" in app stores)
• Multiple communities under one roof

Why Community Matters

The hosts share real examples of how meaningful connections at events like TAG led to:

• Business partnerships and office moves
• New client relationships
• Community launches and business pivots
• Game-changing conversations that wouldn't happen otherwise

The MLO Hub Difference

Unlike social media platforms, MLO Hub offers:

• Focused Intent - Everyone there wants to grow professionally
• Less Distraction - No political posts or cat videos
• Quality Control - Better moderation and member screening
• Industry-Specific - Built by and for mortgage professionals
• Multiple Communities - Easy access to various specialized groups

Next Steps

1. Download MLO Hub - Search for it in the App Store or Google Play
2. Join Early - Be one of the first members for potential perks
3. Become a Launch Partner - Contact them if you're interested in hosting your own community
4. Leave a Review - Help the podcast grow by rating and reviewing

Connect with the Hosts

• Email: [email protected]
• Communities: joinhl4.com
• Feedback: They want to hear what content is valuable to you

Episode Stats

• Current podcast rating: 4.7-4.8 stars
• Monthly downloads: Over 1,000
• Episode count: 30+ episodes and growing

The MLO Project releases new episodes every Tuesday on all major podcast platforms.

Remember: This isn't about scarcity - there's room for everyone who wants to grow and contribute to the mortgage community. The goal is bringing like-minded professionals together in one focused space.

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Empowering Loan Officers with HighLevel CRM Solutions

In this episode of the MLO Project, hosts Frazier and Michael dive deep into the benefits of using HighLevel CRM for mortgage professionals. They discuss the value of HighLevel as a single platform for managing leads, marketing, and daily workflows, aiming to make it the number one CRM in the mortgage industry. They also introduce HL4 (HighLevel for Mortgage Pros), a comprehensive support community for loan officers using HighLevel, and share exciting announcements including partnerships, speaking engagements, and an invite-only mastermind event. The episode emphasizes the mission to empower loan officers with effective tools and support for growing their businesses.

00:00 Introduction and Welcome
00:57 Today's Topic: Go High Level
02:38 The Mission and Value of High Level
07:02 Community and Support for Loan Officers
18:38 Exciting Announcements and Future Plans
25:12 Conclusion and Final Thoughts

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TMP is presented by: Empower LO

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In this episode of the MLO Project, Michael and Frazier are joined by special guest Darren "DC" Copeland, owner and founder of Summit Lending. The discussion covers a range of topics including overcoming obstacles, the importance of being coachable, and leveraging AI and modern marketing tactics to stay ahead. DC shares his insights from over 22 years in the mortgage industry, emphasizing the need for discipline, planning, consistent efforts, and the importance of personal branding and online presence. He also highlights the diminishing middle ground in the industry, urging loan officers to go 'all in' or risk being left behind. This episode is an essential listen for loan officers looking to elevate their careers and stay competitive in an ever-evolving market.

00:00 Introduction and Banter
01:42 Meet the Guest: DC Darren Copeland
04:39 The Importance of Being Coachable
09:03 Consistency and Routine in the Mortgage Industry
13:41 Time Management and Goal Setting
16:43 The Importance of CRM and Data Management
18:02 Leveraging AI for Business Success
19:26 The Power of Reviews and Online Presence
20:04 Commitment to Business Growth
21:44 Adapting to Changing Buyer Journeys
23:51 Principles of Success and Marketing
28:56 Future Positioning and Vision
33:44 Final Thoughts and Takeaways

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In this episode of the MLO Project, hosts Frazier and Michael dive deep into the topic of failure. They share personal stories of significant setbacks, exploring how these experiences have shaped their professional lives and perspectives. Frazier recounts the collapse of his business relationships and the subsequent reputational damage that forced him to rebuild from the ground up. Similarly, Michael shares his experience of getting expelled from college and the life-changing effects it had. The episode underscores that while failure is a painful and inevitable part of the journey to success, it also serves as a unique catalyst for personal growth and transformation. The hosts emphasize the importance of not allowing the fear of failure to paralyze you and reiterate that true resilience lies in the ability to bounce back stronger.

00:00 Welcome to the MLO Project
00:47 Discussing Failure and Its Realities
02:51 Personal Stories of Failure
08:02 Lessons Learned and Moving Forward
27:40 Concluding Thoughts on Failure

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TMP is presented by: Empower LO

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In this episode of the MLO Project, Frazier and Michael discuss the importance of loan officers niching down to maximize their expertise and business opportunities. They hit on common misconceptions about limiting income potential by focusing on a niche market. They share personal experiences and insights on how becoming an expert in a specific area can lead to broader business opportunities and industry recognition. 

Michael also touches on Empower LO's journey from being perceived as a general lead generation service to becoming the go-to experts in high-level CRM for mortgage professionals. This episode serves as a valuable guide for loan officers looking to overcome fears of specialization and highlights the magnetic effect of being an expert in a niche market.00:00 Introduction and Episode Overview

00:33 Welcoming the Co-Host

00:56 YouTube Presence and Struggles

01:39 The Importance of Niching Down

04:30 Expertise and Perception

13:55 Empower LO's Journey and Niching Strategy

27:21 Final Thoughts and Takeaways

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TMP is presented by: Empower LO

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In this episode of the MLO Project, hosts Frazier and Michael introduce exciting news about their new initiative, High Level for Mortgage Pros 2.0. The main discussion revolves around the top five essential marketing automations for mortgage professionals, emphasizing the importance of consistent follow-up and personalization. The five key automations include instant lead response, abandoned application reminders, pre-approval follow-up, Google review requests, and a long-term nurture sequence. The hosts highlight how these automations can help mortgage professionals stay consistent, save time, and effectively nurture leads, thereby improving conversion rates and customer satisfaction.

00:00 Introduction and Big Announcement Teaser
00:48 Revealing Mortgage Pros 2.0
02:04 Challenges with High Level in the Mortgage Industry
05:05 Today's Topic: CRMs and Automation
05:39 Top 5 Marketing Automations for Loan Officers
06:58 Automation #1: Instant Lead Response
11:01 Automation #2: Abandoned Application Reminders
16:40 Automation #3: Pre-Approval Follow-Up
22:36 Automation #4: Google Review Requests
28:48 Automation #5: Long-Term Nurture Sequence
35:23 Conclusion and Upcoming Webinar

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TMP is presented by: Empower LO

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In this episode of The MLO Project, Michael sits down with Chris Lamm—a mortgage veteran out of Redding, California—for a raw, real-world conversation about what it takes to thrive in this business over the long haul. Chris shares how he broke into the game at 17, how he weathered the 2008 crash, and what’s kept him leveling up ever since.

They dive into the gritty stuff—balancing work and family, the mental edge coaching provides, and why relationships still beat algorithms. Chris also unpacks how he’s using AI and tech to stay ahead without losing the human touch.

If you're serious about mastering the mortgage game—not just surviving the market but dominating it—this episode delivers the mindset, strategy, and honesty you need.

Connect with Chris on IG @itschrislamm

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In this episode of The MLO Project, Frazier and Michael discuss one of the most underutilized lead-gen strategies in the mortgage industry right now: webinars.

They dive into how mortgage pros are using webinars to go direct-to-consumer, generate warm leads, and build real authority—without cold calling or spending a fortune. With tools like HighLevel making automation and follow-up simple, this isn’t just theory—it’s working in the field.

They also preview an upcoming live webinar with Chelsea Gardner, who’s crushing it with Facebook ads and webinar funnels.

If you’re serious about building a scalable lead engine, this one’s for you.

Register for the webinar!

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TMP is presented by: Empower LO

Connect with us at [email protected]