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Together in Business as a Married Couple, with Brenda and Geoff Smith, Assurance Financial

March 18, 2025 by John Ray

Family Business Radio

Together in Business as a Married Couple, with Brenda and Geoff Smith, Assurance Financial

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Together in Business as a Married Couple, with Brenda and Geoff Smith, Assurance Financial (Family Business Radio, Episode 62)

In this episode of Family Business Radio, host Anthony Chen interviews Geoff and Brenda Smith from Assurance Financial. The couple shares their journey of building and managing their family business while navigating personal and professional challenges. They discuss their beginnings in construction, the transition to the mortgage industry, and the importance of setting boundaries, clear communication, and defined roles to maintain a successful business and healthy marriage. Highlighting notable milestones, empowering stories, and practical advice for other family businesses, this episode sheds light on the dynamics of working together as spouses and balancing family life.

Anthony concludes the show with thoughts on finding harmony as a couple, in and out of the family business.

Family Business Radio is underwritten and brought to you by Anthony Chen with Lighthouse Financial Network. The show is produced by John Ray and the North Fulton affiliate of Business RadioX®.

Geoff and Brenda Smith

Geoff and Brenda Smith are the husband-and-wife team behind the Assurance Financial branch in downtown Roswell, where they help individuals and families navigate the mortgage process with clarity and care.

Geoff began his career in business journalism before moving into construction and later mortgages, becoming a full-time loan officer in 2011 and opening his own branch in 2021. Brenda, with a background in advertising and education, ensures every loan runs smoothly behind the scenes, making their client experience seamless.

Committed to their community, Geoff serves on the boards of STAR House, the Alpharetta Business Association, and Wellstar North Fulton Regional Hospital while also coaching youth football. Brenda brings creativity and organization to both their business and home life.

Married since their college days at the University of Georgia, they’ve raised two sons: Samuel, a freshman at Auburn, and Charlie, a sophomore at Blessed Trinity. When they’re not helping clients secure their dream homes, you’ll find them enjoying an espresso at the office or unwinding at North End Tavern.

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Assurance Financial

Assurance Financial is a mortgage lender and refinance company that has been serving homeowners since 2001. The company is known for its customer-centric approach, offering a wide range of loan options tailored to meet the individual needs of homebuyers. They provide various loan types, including VA, FHA, construction, non-qualified, modular home, jumbo, first-time home buyer, conventional, and USDA RD loans.

Assurance Financial emphasizes a seamless and efficient loan application process, utilizing the latest technology to simplify steps such as prequalification, full application, processing, and funding. They pride themselves on outstanding customer satisfaction, with an average rating of 4.98 out of 5 stars based on numerous reviews.

The company is recognized as a Fannie Mae/Freddie Mac seller/servicer-approved and Ginnie Mae issuer-approved lender. Assurance Financial operates across 28 states in the U.S., providing personalized support through their team of experienced loan officers. Their services are designed to assist clients at various stages of life, whether buying a first home, a vacation property, or an investment property.

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Topics Discussed in this Episode

00:00 Introduction to Family Business Radio
00:51 Meet Geoff and Brenda Smith
01:21 Geoff’s Journey from Journalism to Construction
02:51 The Early Days of Construction
03:52 Building Their First Home Together
05:42 The Taco Stand Connection
09:31 Transitioning to the Mortgage Business
09:51 Navigating the 2008 Financial Crisis
11:32 Starting a Mortgage Branch
16:27 The Mortgage Process Demystified
23:29 Balancing Work and Family Life
27:18 Navigating Communication in Family Business
28:37 Top Tips for Couples Starting a Family Business
31:30 Balancing Family Life and Business
35:17 Memorable Projects and Milestones
41:38 Future Goals and Hiring Plans
46:56 Final Thoughts and Advice

Anthony Chen, Host of Family Business Radio

Family Business Radio is sponsored and brought to you by Anthony Chen with Lighthouse Financial Network. Securities and advisory services are offered through OSAIC, member FINRA/SIPC. RAA is separately owned, and other entities and/or marketing names, products, or services referenced here are independent of OSAIC. The main office address is 575 Broadhollow Rd., Melville, NY 11747. You can reach Anthony at 631-465-9090, ext. 5075, or by email at anthonychen@lfnllc.com.

Anthony Chen started his career in financial services with MetLife in Buffalo, NY, in 2008. Born and raised in Elmhurst, Queens, he considers himself a full-blooded New Yorker while now enjoying his Atlanta, GA, home. Specializing in family businesses and their owners, Anthony works to protect what is most important to them. From preserving to creating wealth, Anthony partners with CPAs and attorneys to help address all of the concerns and help clients achieve their goals. By using a combination of financial products ranging from life, disability, and long-term care insurance to many investment options through Royal Alliance, Anthony looks to be the eyes and ears for his client’s financial foundation. In his spare time, Anthony is an avid long-distance runner.

The complete show archive of Family Business Radio can be found by following this link.

Mortgage Solutions for Homebuyers, with Geoff Smith, Assurance Financial

September 19, 2024 by John Ray

North Fulton Business Radio

Mortgage Solutions for Homebuyers, with Geoff Smith, Assurance Financial

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Mortgage Solutions for Homebuyers, with Geoff Smith, Assurance Financial (North Fulton Business Radio, Episode 803)

In this episode of North Fulton Business Radio, host John Ray interviews Geoff Smith, Assurance Financial. Geoff shares his journey from journalism to mortgage banking and highlights Assurance Financial’s services, including in-house mortgage lending, customer service excellence, and specialized loan products like bank statement loans and bridge loans. He emphasizes the importance of understanding federal guidelines and the steps Assurance Financial takes to ensure seamless client experiences. The episode also discusses current market dynamics, interest rates, and the importance of buying in a vibrant housing market like Georgia. Additionally, Geoff shares success stories and the impact of personalized service in handling complex loan situations.

John Ray is the host of North Fulton Business Radio. The show is recorded and produced by the North Fulton affiliate of Business RadioX® inside Renasant Bank in Alpharetta.

Geoff Smith, Roswell, GA Branch Manager and Loan Officer, Assurance Financial

Geoff Smith has been in the real estate industry since 2001, when he became a general contractor. In 2011, he went all in with mortgages, becoming a full-time loan officer with Assurance Financial and opening his own branch with them in 2021 on Canton Street in downtown Roswell.

Geoff volunteers in the community. He is currently sitting on the board of STAR House, an after-school tutoring and mentoring program for at-risk elementary school students in Roswell; he is on the Advisory Board for Wellstar North Fulton Regional Hospital; he is on the board for the Alpharetta Business Association; and he coaches 6th grade football at Blessed Trinity High School.

Geoff is married to Brenda and they have two boys, Samuel, who is a freshman at Auburn, and Charlie, who is a sophomore at Blessed Trinity.

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Assurance Financial

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Topics Discussed in this Episode

00:00 Introduction and Welcome
01:33 Guest Introduction: Geoff Smith. Assurance Financial
02:10 Geoff’s Career Journey and Passion for Mortgages
03:21 The Mortgage Process and Customer Experience
06:48 Challenges and Problem-Solving in Mortgage Lending
14:49 Understanding Interest Rates and Market Dynamics
18:48 Expanding Business Across States
19:02 Housing Market Dynamics in Georgia
22:03 The Impact of Waiting to Buy a Home
22:48 Innovative Loan Products for Homebuyers
24:47 Assurance Financial’s Unique Bridge Loan
27:05 Success Stories and Client Experiences
33:35 Community Support and Final Thoughts

Renasant Bank supports North Fulton Business Radio

Renasant Bank has humble roots, starting in 1904 as a $100,000 bank in a Lee County, Mississippi, bakery. Since then, Renasant has become one of the Southeast’s strongest financial institutions, with over $17 billion in assets and more than 180 banking, lending, wealth management, and financial services offices throughout the region. All of Renasant’s success stems from each of their banker’s commitment to investing in their communities as a way of better understanding the people they serve. At Renasant Bank, they understand you because they work and live alongside you every day.

Renasant Bank supports the Georgia Alliance for Breast Cancer

Georgia Alliance for Breast Cancer (formerly It’s The Journey) is a registered 501c3 non-profit that strives to support Georgia’s breast cancer community by raising funds to support breast health and breast cancer programs throughout the state of Georgia.

GAABC’s mission is to engage with Georgia’s breast cancer community to increase access to care and reduce disparities in cancer outcomes.

Randi Passoff, a breast cancer survivor, founded GAABC in 2002. She created “the kinder and gentler breast cancer walk” based off the Avon 3-Day Breast Cancer Walk. Instead of a 3-day walk of 60 miles over 3 days and sleeping in a tent, the Georgia 2-Day Walk covers 30 miles over 2 days, and participants sleep in a hotel. Most importantly, what’s raised in Georgia stays in Georgia.

Renasant Bank is a major supporter of GAABC, both in corporately donated funds and employee donations and participation in the walk.

To learn more about GAABC and the 2-Day Walk, go to the GAABC Website.

About North Fulton Business Radio and host John Ray

With over 800 shows and having featured over 1,200 guests, North Fulton Business Radio is the longest-running podcast in the North Fulton area, covering business in our community like no one else. We are the undisputed “Voice of Business” in North Fulton!

The show welcomes a wide variety of business, non-profit, and community leaders to get the word out about the important work they’re doing to serve their market, their community, and their profession. There’s no discrimination based on company size, and there’s never any “pay to play.” North Fulton Business Radio supports and celebrates business by sharing positive business stories that traditional media ignore. Some media leans left. Some media leans right. We lean business.

John Ray, Business RadioX - North Fulton, and Owner, Ray Business Advisors — **John Ray, Business RadioX – North Fulton, and Owner, Ray Business Advisors**

John Ray is the host of North Fulton Business Radio. The show is recorded and produced from the North Fulton studio of Business RadioX® inside Renasant Bank in Alpharetta. You can find the full archive of shows by following this link. The show is available on all the major podcast apps, including Apple Podcasts, Spotify, Google, Amazon, iHeart Radio, and many others.

The studio address is 275 South Main Street, Alpharetta, GA 30009.

John Ray also operates his own business advisory practice. John’s services include advising solopreneurs and small professional services firms on their value, their positioning and business development, and their pricing. His clients are professionals who are selling their expertise, such as consultants, coaches, attorneys, CPAs, accountants and bookkeepers, marketing professionals, and other professional services practitioners.

John is the national bestselling author of The Generosity Mindset: A Journey to Business Success by Raising Your Confidence, Value, and Prices.

SIMON SAYS, LET’S TALK BUSINESS: David Aferiat of Avid Vines, Mac Cregger of Angel Oak Home Loans, and Glade Johnson of Advantage Protective Services

November 21, 2019 by Mike

Gwinnett Studio

SIMON SAYS, LET'S TALK BUSINESS: David Aferiat of Avid Vines, Mac Cregger of Angel Oak Home Loans, and Glade Johnson of Advantage Protective Services

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Glade Johnson, David Aferiat, Mac Cregger, Al Simon

David Aferiat/Avid Vines

Avid Vines puts French & European clean, sustainably crafted wine within walking distance of desire. AVID Vines was started to solve the problems experienced the next day after celebrating – which is why their selections are characterized by lower alcohol, fewer sulfites, and the highest quality and classification of juice. They temperature control their shipments from vineyard to destination to reinforce this approach. In fact, they call it an OCEAN of difference (TM) compared to the industrial production of the widely marketed brands which stands for Organic methods, Chilled on import, Exceptionally reviewed, Artisanal, with #NoRegrets.

Mac Cregger/Angel Oak Home Loans

Angel Oak Home Loans has had the pleasure of helping a significant number of homebuyers become proud homeowners. This is because they offer traditional loans along with a portfolio suite of products for those who fall outside of conventional guidelines. Every client is different and they recognize that through their innovative offerings for people with diverse loan circumstances. Not every lender has the options to help and that is what sets them apart in the mortgage industry. Angel Oak’s licensed mortgage advisors are experts at guiding homebuyers to the right product and getting to the closing table as quickly as possible. They understand that busy lives do not come to a halt during a home purchase and the MyHomeLoan mobile app allows their clients to view their mortgage on the go.

Their most popular programs include Bank Statement, which is ideal for self-employed borrowers, with no tax returns required; Jumbo, which helps those purchasing homes outside the conforming limit; Non-Prime, for those with lower credit scores; Investor Cash Flow, which allows investors to grow their portfolios; and Foreign National, with non-US credit accepted, no tax returns or Social Security number required.

Glade Johnson/Advantage Protective Services

Glade Johnson is a former FBI Agent who worked for two national companies before buying Advantage Protective Services in 2004. Glade focuses on customer service and relationships, as well as taking care of his employees so they feel good about working for his company. This reduces turnover. He also provides them with an excellent benefit package. In addition, they offer advances to employees when they need it. He doesn’t know of any other companies in any industry that does that. Several clients have been with Advantage Protection Services 10 to 14 years. They try to build lasting relationships with their clients.