Talk With Our Team
Contact The Smith Mortgage Group
Have a purchase deadline, a refinance question, or a file another lender turned down? Send it our way. Every message lands with a licensed loan officer at our Shelbyville branch, and you can expect a reply within 2 business hours during the work week.
Send Sterling Smith a message
No hard credit pull. No obligation. Replies within two business hours (Mon–Fri, 9am–5pm CT).
Loading the secure contact form… If it doesn't appear, call or text 931-205-9873 or email sterling.smith@fcmhomeloans.com.
Send a message
Tell us what you want to finance
A few details go a long way: purchase or refinance, a rough price range, how you earn income, and your target closing date. That lets the first reply include real options.
Sending the form does not pull your credit and does not lock you into an application. Prefer to run numbers before talking? Try the mortgage payment calculator or browse our full set of mortgage tools and resources.
Ways to connect
Pick the channel that fits your question
Each option reaches the same Shelbyville team, never an outsourced call center.
Call or text 931-205-9873
Sterling Smith's direct line. Ideal for urgent items like an offer deadline this week or a rate quote based on your own credit profile.
Email sterling.smith@fcmhomeloans.com
Best when you want to lay out a detailed scenario or attach paperwork such as tax returns, a rental schedule, or a relocation timeline. Our document checklist shows what helps most.
605 Delray Street, Shelbyville, TN 37160
Stop by to sign papers, review a closing disclosure line by line, or sit down for a longer first-time buyer conversation. Visits are by appointment.
Monday–Friday, 9am–5pm CT
Messages that arrive after hours or on weekends are picked up first thing the next business morning.
After you reach out
From first message to a loan plan in four steps
No drawn-out sales funnel. Here is the path most borrowers follow once they get in touch.
We reply quickly
Inquiries received during business hours get a response the same day, typically within two hours.
A short discovery call
We talk through income, credit, savings and timing, then narrow the field to programs that suit you, from FHA loans to conventional, VA, USDA or non-QM options.
Pre-qualification or pre-approval
A pre-qualification letter can often be issued the same day, and pre-approval decisions can come in as little as 24 hours once documents are in.
A side-by-side recommendation
You see rate, payment and cash to close for each option, along with a list of what underwriting will need. The full loan process timeline explains what follows.
Local branch, nationwide licensing
Based in Shelbyville, lending in all 50 states
Having a real branch in Bedford County and a direct line to the branch manager makes a difference when a listing agent needs a pre-approval confirmed fast or an appraisal comes in low and a decision has to be made quickly.
Because we are licensed in all 50 states, a relocation, second home or out-of-state rental stays with the same advisor through closing. Eligible veterans also pay no lender fees on VA loans through FCM; see why borrowers choose us.
Before you call
Questions about getting in touch
How soon will someone respond to my message?
Weekday messages sent between 9am and 5pm Central are answered the same business day, usually within two hours. If a contract deadline is close, calling or texting 931-205-9873 is the fastest route.
Do I need paperwork ready before the first conversation?
No. A rough sense of household income, how you are paid, what you have saved, and any credit concerns is plenty to start. Formal documents come later, and the document checklist lists them.
Can I just walk into the Shelbyville office?
Please book first by phone, email or the form above. An appointment means the loan officer handling your file has reviewed your details and is free when you arrive.
I'm buying a home outside Tennessee. Can you still help?
Yes. With licensing in all 50 states, our team can handle purchases and refinances across the country, factoring in each state's taxes, insurance and closing customs from the first estimate.
Does it cost anything to talk with you or get pre-qualified?
No. The conversation and pre-qualification are free and carry no obligation. Costs only arise later with a full application and appraisal; ask us for a fee breakdown at any point.
Ready when you are
Get a pre-qualification letter you can shop with, or talk your situation through first. Either way, the same licensed team stays with you from the first question to closing day.
Get Pre-QualifiedKeep Exploring
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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.