The Mortgage Mindset #6: Building the Future of Non-QM: Troy Smith on Tech, Faith & The G1 Group

Welcome back to Mortgage Mindset, hosted by Loan Factory - the nation’s #1 mortgage broker.In this episode, Rafael Acosta sits down with Troy Smith, Founder & CEO of The G1 Group, a fast-rising non-QM lender redefining how brokers are supported through technology, flexibility, and service.From being raised in finance through a community credit union founded by his grandmother ...To survive the 2008 crash ...To scale wholesale lending operations from $10M to $80M/month ...To launch a tech-forward non-QM platform built specifically for loan officers ...Troy shares the full journey behind The G1 Group, the philosophy that drives it, and why he believes the future of non-QM belongs to lenders who truly empower the broker channel.🎯 In this episode:Troy breaks down how his early exposure to finance shaped his career, why he believes technology should enhance - not replace - human interaction, and how The G1 Group is building proprietary AI and embedded pricing tools to help LOs win more business. He explains the current state of the non-QM market, why bank statement and DSCR loans dominate the space, and how The G1 Group plans to scale by activating loan officers - not chasing volume for volume’s sake. Troy also shares his faith-based leadership philosophy, the meaning behind “G1,” and his long-term vision for expanding into fix & flip, construction, and small-balance commercial lending.“Technology should make loan officers stronger - not invisible.”🎙️ Host: Rafael Acosta – Loan Factory Advocate, Corporate Coach & Loan Officer🎧 Guest: Troy Smith – Founder & CEO, The G1 Group🏢 Presented by: LoanFactory.com📺 Show: The Mortgage Mindset PodcastTimestamps:00:00 – Welcome & introduction01:05 – Troy’s early exposure to finance & credit unions02:45 – Retail LO experience & lessons from the 2008 crash04:10 – Scaling wholesale lending as an Account Executive06:20 – Founding The G1 Group & the November-to-November journey08:30 – Faith-based leadership & the meaning of “G1”10:15 – Why tech must support — not replace — people12:40 – Non-QM market growth, bank statement & DSCR trends15:55 – AI, automation & document validation in lending18:45 – Embedded pricing, borrower-facing tools & lead capture22:30 – Why G1 focuses on activating LOs, not just onboarding brokers25:10 – Flexible guidelines, niche advantages & rate competitiveness27:40 – Advice for new LOs entering the non-QM space30:20 – Closing thoughts & final message to the broker community#MortgageMindset #LoanFactory #NonQM #MortgageBroker #WholesaleLending #MortgagePodcast #LoanOfficerLife #MortgageTechnology #BrokerChannel #FaithAndBusiness #G1GroupIf this episode helped you, like, subscribe, and share to support the show. 🙌===================================✴️ 𝐖𝐄 𝐃𝐀𝐑𝐄 𝐘𝐎𝐔 𝐓𝐎 𝐂𝐎𝐌𝐏𝐀𝐑𝐄 ✴️ ✴️ 𝐋𝐎𝐀𝐍 𝐎𝐅𝐅𝐈𝐂𝐄𝐑𝐒 ➩ Join our next webinar: Loanfactory.com/loan-officer ✴️ 𝐒𝐎𝐂𝐈𝐀𝐋 𝐌𝐄𝐃𝐈𝐀 - 𝐅𝐎𝐋𝐋𝐎𝐖 𝐔𝐒 𝐎𝐍:➩ Facebook LoanFactory: facebook.com/LoanFactoryHQ➩ LinkedIn: Linkedin.com/company/17774093/➩ Instagram: instagram.com/loanfactoryhq/ ➩ X/ Twitter: X.com/LoanFactoryUS➩ Google Reviews: g.page/r/CSWSj0wuwQUmEAI/review===================================✴️ 𝐖𝐄 𝐇𝐎𝐏𝐄 𝐘𝐎𝐔 𝐄𝐍𝐉𝐎𝐘 𝐓𝐇𝐄𝐒𝐄!➩ Give us a Like and share it with your friends! ➩ Subscribe to our channel for more insightful content and stay up-to-date with the latest news➩ Subscribe now: youtube.com/ ⁨@loanfactoryhq⁩ The content provided within this website is presented for information purposes only. This is not a commitment to lend or extend credit. Information and/or dates are subject to change without notice. All loans are subject to credit approval. Other restrictions may apply.