Our Story: How We Guide Your Homeownership Journey

Experience a smooth mortgage process with our dedicated team. We believe in making homeownership accessible through clear communication and personalized service.
Our Story
About The Smith Mortgage Group — Powered by FCM, Rooted in Shelbyville, TN

The Smith Mortgage Group was built on the belief that every borrower deserves a trusted mortgage advisor — not just a lender. Founded in Shelbyville, Tennessee, and proudly powered by FCM Homeloans, our mission has always been to make homeownership more accessible, more transparent, and more personal for families and buyers throughout the state of Tennessee and across all 50 states.

What began as a commitment to the Shelbyville community has grown into a full-service mortgage company serving buyers, homeowners, veterans, first-time purchasers, and real estate investors from coast to coast. As a mortgage company in Shelbyville, Tennessee backed by FCM's national infrastructure, The Smith Mortgage Group combines the feel of a local lender with the power of a nationwide operation — in-house underwriting, competitive rates, and a complete menu of loan programs including conventional, FHA, VA, USDA, jumbo, construction, and non-QM solutions.

Sterling Smith, our VP & Branch Manager (NMLS #1726806), leads every client relationship with a no-pressure, client-first approach. Whether you're buying your first home in Middle Tennessee or refinancing an investment property in another state, The Smith Mortgage Group brings personalized guidance, speed, and expertise to every transaction.

Our Mission

To empower homebuyers, homeowners, and investors across Tennessee and the nation with transparent mortgage guidance, competitive loan programs, and the personalized service of a trusted local advisor — backed by the strength of FCM Homeloans and licensed in all 50 states.

Our Values
Transparency
No hidden fees, no fine print surprises. We walk every client through their loan options clearly so they can make confident decisions.
Community
We're rooted in Shelbyville, TN and invested in the towns, families, and neighborhoods we serve across Middle Tennessee and beyond.
Speed
Our in-house underwriting and streamlined process means faster closings — often in 21 days — so you never miss the home you want.
Full Program Access
From FHA and VA loans to DSCR investor loans and non-QM programs — The Smith Mortgage Group has a solution for every borrower profile.
Client-First
Your homeownership goals drive every conversation. We're advisors before we're loan officers — no pressure, just real guidance.
Why Choose The Smith Mortgage Group
  • Licensed in all 50 states through FCM Homeloans — local expertise, national reach
  • Full loan menu: conventional, FHA, VA, USDA, jumbo, construction, non-QM, and DSCR investor loans
  • In-house underwriting for faster approvals and fewer delays
  • Average closing time of 21 days — one of the fastest in Tennessee
  • No lender fees on VA loans — our commitment to the men and women who served
  • Free, no-pressure mortgage consultations with Sterling Smith directly
Meet Sterling Smith — VP & Branch Manager
Sterling Smith, VP and Branch Manager of The Smith Mortgage Group, smiling in a professional setting, representing personalized mortgage guidance and client-focused service.
Sterling Smith
VP & Branch Manager | NMLS #1726806 | FCM Homeloans

Sterling Smith is the VP & Branch Manager of The Smith Mortgage Group, powered by FCM Homeloans, based in Shelbyville, Tennessee. As the face and driving force behind the team, Sterling brings a personalized, community-focused approach to every client relationship — whether you're a first-time buyer in Shelbyville, a veteran using your VA loan benefit, or a seasoned investor building your rental portfolio.

Sterling's deep roots in Middle Tennessee, combined with FCM's 50-state lending platform and in-house underwriting capabilities, give every client the best of both worlds: a trusted local advisor with national resources. His no-pressure consulting style and commitment to finding the right loan — not just any loan — have made The Smith Mortgage Group one of the most referred mortgage teams in Shelbyville, TN.

Ready to talk? Reach Sterling directly at 931-205-9873 or sterling.smith@fcmhomeloans.com.

Featured Metropolitan Areas

The Smith Mortgage Group has specialized expertise in these major metropolitan markets across the nation.

All States Directory

Click on any state to view The Smith Mortgage Group service areas and local mortgage programs available in your region.

>

Contact The Smith Mortgage Group

Sterling Smith, VP & Branch Manager

Phone: 931-205-9873

Email: sterling.smith@fcmhomeloans.com

Address: 605 Delray Street, Shelbyville, TN 37160

Serving all 50 states with specialized expertise in Alabama mortgage markets.

Get to Know The Smith Mortgage Group — We're Here to Help
Schedule your free, no-commitment mortgage consultation with Sterling Smith today. Whether you're buying, refinancing, or investing — we have a loan for that.
Book a Free Consultation Call 931-205-9873

sterling.smith@fcmhomeloans.com

931-205-1424

The Smith Mortgage Group | NMLS #1726806 | Powered by FCM | 605 Delray Street, Shelbyville, TN 37160 | 931-205-9873 | thesmithmortgagegroup.net