Areas We Serve
Nationwide Mortgage Lending From Shelbyville, Tennessee
The Smith Mortgage Group, Powered by FCM, is licensed to originate in all 50 states and serves buyers and homeowners in more than 250 metro areas. Find your state below to see local guidance, or start a nationwide mortgage conversation with Sterling Smith today.
Nationwide Coverage
Rooted in Middle Tennessee, licensed coast to coast
Our branch sits at 605 Delray Street in Shelbyville, Tennessee, and that is where Sterling Smith and the team process loans every day. Through First Community Mortgage, Inc. (NMLS #629700), we hold licensing that lets us originate home loans in all 50 states, so a buyer in the Rocky Mountains receives the same direct access as a neighbor down the road in Bedford County.
Close to home, we work with families across Tennessee, from Nashville suburbs to small towns on the Cumberland Plateau. Farther afield, clients use us for purchases and refinances in Texas, Florida, California, Utah and everywhere in between.
Each state page in the directory below explains regional buying considerations, lists the cities we cover and highlights loan programs that tend to suit that market. Program eligibility always depends on qualification, underwriting and guidelines in your state.
What Stays the Same
The same service in every state
Direct Access
You work with Sterling Smith and our team, not a rotating call center, no matter where your property is located.
Fast Responses
Expect a reply within two business hours by phone, text or email.
Full Program Menu
FHA, VA, USDA, conventional, jumbo, refinance, investment and construction financing are available nationwide, subject to eligibility.
Quick Decisions
Pre-approval decisions can arrive in as little as 24 hours, with same-day options when your documents are ready.
Remote Lending
How lending from a distance works
Most of our clients never visit Shelbyville, and they do not need to. Here is what the process looks like when you are in another state.
Start online or by phone
Complete the pre-qualification form or call 931-205-9873. No hard credit pull is required to begin.
Share documents securely
Upload pay stubs, statements and IDs through a secure portal. Our document checklist shows what to gather.
Local pieces handled locally
Appraisals, title work and inspections are completed by professionals in your area, coordinated by our team.
Close near you
You sign with a local closing agent or attorney according to your state's requirements. Most loans close in 30–45 days, and qualified files can reach 21 days.
Do not see your city listed?
The directory highlights major metros, but our licensing covers the entire state. Reach out and we will confirm we can lend on your property, usually within two business hours.
Contact Our TeamAnswers
Questions about our service area
Can a Tennessee-based lender finance a home in my state?
Yes. Mortgage licensing is issued state by state, and our lending is conducted under FCM licenses that cover all 50 states. You can verify licensing on NMLS Consumer Access using NMLS #629700.
Will I ever need to travel to Shelbyville?
No. Applications, documents and communication happen by phone, video and secure online tools. Closing takes place locally with a title company, closing agent or attorney in your area.
Do you understand housing markets outside Tennessee?
We study each region we serve and rely on local appraisers and title professionals for property-specific detail. Our state pages outline considerations such as terrain, climate and common property types.
Are the same loan programs available everywhere?
The core programs are offered nationwide, though some features vary by state, county or property location. USDA eligibility, for example, depends on where the home sits. We confirm what applies to your address.
Can you help with down payment assistance where I live?
State and local down payment assistance programs may be available in your area. We can help you check eligibility and explain how assistance works alongside your loan.
Directory
Find your state and metro
50 state guides and 248 metro pages, each with local notes, program fit and answers to common questions.
No match. Every state is covered, so ask us about your area.
Keep Exploring
Related resources
Let's Talk
Questions about nationwide mortgage lender?
Send a quick note and Sterling Smith will reply within two business hours (Mon–Fri, 9am–5pm CT). Prefer to talk now? Call or text 931-205-9873.
Loading the secure contact form… If it doesn't appear, call or text 931-205-9873 or email sterling.smith@fcmhomeloans.com.
Start Today
Ready to talk through your options?
Get a free, no-obligation consultation with Sterling Smith: clear answers, a side-by-side look at the programs you qualify for, and a plan built around your budget.