Send us a textIn this special New Year's edition of The MLO Project, Frazier and Michael tackle two hot headlines shaping the future of the mortgage industry. From National Mortgage News’ prediction that 2026 will be the industry’s “reset year” to HousingWire’s deep dive on the growing dominance of DSCR loans—this episode is packed with straight talk, strategic insights, and zero fluff.Frazier breaks down key takeaways from the “2026 reset” article, calling out the recycled advice on chasing shiny objects, while uncovering powerful truths about layered affordability solutions and compliance complacency. Michael fires back with a deeper look at DSCR momentum, TCPA liability, API key nightmares, and why brokers need to wake up about their exposure.Whether you’re fired up for growth or still dragging from 2025, this conversation is your reality check heading into the new year.💥 What You’ll LearnWhy the “2026 Reset” isn’t a prediction—it’s overdue disciplineThe real risks behind non-compliance and liability landminesHow DSCR loans are becoming a long-term shift, not a passing trendWhy serial TCPA litigators are your biggest hidden threatHow brokers are recklessly exposing client data without knowing itThe difference between real execution and just hoping something sticksWhat loan officers must fix before it costs them everything🧨 Hard Truths Dropped“You’re not getting a pass because you did it right last year.”“If you’re waiting for affordability to be solved, you’ll be waiting forever.”“There’s no silver bullet. There’s just layered solutions and discipline.”“Compliance isn’t your problem—liability is.”“Most brokers are one Zapier key away from a data breach.”🚨 Sponsors This episode is brought to you by:MLO Hub – Your all-in-one platform for community and growthHL4 – High-Level automation built for mortgageEmpower LO – The growth engine behind top-producing brokers🔗 Join the Community Ready to cut the noise and grow with real professionals? Join the MLO Hub community today (free to join). Links are above.💬 Want to Be Featured or Debate a Topic? Slide into Frazier or Michael’s DMs. This show is made for LOs who are done playing small.