Premier Gulf Coast Mortgage Lender: Expert Home Financing for Gulfport & Biloxi

The Smith Mortgage Group is dedicated to helping families throughout the Mississippi Gulf Coast achieve their homeownership goals with transparent, personalized mortgage solutions. As a full-service lender powered by FCM, we provide a robust selection of Gulfport and Biloxi mortgages—including Conventional, FHA with low down payments, and 100% financing options through VA and USDA programs for our military families at Keesler Air Force Base and the Naval Construction Battalion Center. Our mission is to deliver expert guidance and competitive rates to every client, whether you are a first-time buyer exploring the historic charm of Bayou View and Mississippi City, a professional seeking a coastal retreat in Woolmarket, or a current homeowner in North Biloxi or Orange Grove looking to maximize your investment through a professional mortgage refinance.

Start your mortgage journey today.

Need Legal Help? Contact The Smith Mortgage GroupToday.

📍 Address: 605 Delray Street Shelbyville, TN 37160

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Gulfport & Biloxi Mortgages: Coastal Living, Strategic Financing

From the historic mansions of Old Biloxi and the scenic waterfront of Jones Park in Gulfport to the fast-growing family communities in D'Iberville and Ocean Springs, the Mississippi Gulf Coast is a region of beauty and economic resilience. Navigating the Harrison and Jackson County markets requires a mortgage partner who understands the unique coastal landscape.

At The Smith Mortgage Group, we provide tailored home loans for the Coast's diverse workforce. Whether you are active-duty at Keesler Air Force Base or the Naval Construction Battalion Center, a healthcare professional at Memorial Health, or a specialist at Ingalls Shipbuilding, we have the local expertise to bring you home.

The Coastal Mississippi Market: Value Meets Opportunity

Gulfport and Biloxi offer a lifestyle defined by the Gulf of Mexico, world-class gaming, and significant federal investment. In 2026, we see a dynamic market where homeowners value proximity to the beach alongside the safety of inland developments. Financing on the Coast involves specific considerations—from wind and hail insurance nuances to navigating flood zone requirements.

We specialize in helping buyers secure homes across the "Secret Coast," ensuring your financing accounts for the specific environmental and economic factors of Southern Mississippi.

Our Solution: Precision Financing for the Mississippi Coast

The Smith Mortgage Group delivers sophisticated lending tools with the personal touch and regional accountability that Coastal residents deserve.

Why Gulf Coast Homebuyers Partner With Us

  • Military Relocation Specialists: Expert handling of BAH and PCS timelines for Keesler AFB and Seabee Base personnel.
  • Shipbuilding & Industrial Programs: Specialized underwriting for the skilled workforce at Ingalls and the Port of Gulfport.
  • Coastal Property Expertise: Strategic guidance on financing homes with specific insurance and elevation requirements.
  • First-Time Buyer Support: Deep knowledge of Mississippi Home Corporation grants and down payment assistance.
  • Rapid Local Processing: Our streamlined digital pipeline ensures you remain competitive in high-demand areas like Woolmarket or St. Martin.

Trusted from the Bay of St. Louis to Pascagoula

"The Mississippi Gulf Coast isn't just a location; it's a way of life. We believe your mortgage should be as reliable as the tide—providing steady, expert support for your piece of coastal paradise." — The Smith Mortgage Group's Coastal Commitment

Gulfport & Biloxi Mortgage Programs: Built for the Coast

  • Conventional Mortgages: Competitive rates for the region's established professional and tourism sectors.
  • VA Loans: Premier 0% down benefits for our extensive veteran and active-duty population in Harrison County.
  • FHA Loans: Flexible financing with 3.5% down, ideal for emerging neighborhoods in Long Beach and Pass Christian.
  • USDA Rural Development: 100% financing options for eligible properties in the growing rural corridors of Jackson and Hancock Counties.
  • Jumbo Mortgages: High-limit financing for luxury waterfront estates and premium beach-view properties.

Serving the Entire Mississippi Gulf Coast

Biloxi & D'Iberville: Specialized financing for Keesler-adjacent housing, casino-corridor properties, and new North Biloxi developments.

Gulfport & West: Dedicated support for the Port area, Orange Grove, Long Beach, and Pass Christian.

Ocean Springs & Gautier: Custom solutions for the artistic districts of Ocean Springs and the nature-rich bluffs of Gautier.

Hancock County: Supporting homeownership in Bay St. Louis, Waveland, and the Diamondhead community.

Mississippi Coast Mortgage FAQ: Local Expert Answers

Does Keesler AFB or the Seabee Base have special housing assistance?

While the bases don't provide direct loans, we specialize in VA Loans which allow military members to purchase with 0% down. We also help service members understand how to use their Basic Allowance for Housing (BAH) to qualify for more home in the Gulfport-Biloxi area.

How does flood insurance affect my mortgage in Gulfport or Biloxi?

Flood insurance is a critical component of coastal lending. We work closely with local insurance agents to estimate these costs early in the pre-approval process, ensuring that your total monthly payment (including PITI) remains within your budget.

Are there programs for first-time buyers in Mississippi?

Yes. Mississippi offers several programs through the Mississippi Home Corporation, including down payment assistance and Mortgage Credit Certificates (MCCs) which can provide a federal tax credit for eligible buyers. We can help you determine your eligibility during your consultation.

Start Your Coastal Journey Today

Connect with your Mississippi Gulf Coast mortgage experts for a sharp, strategic consultation.

Get Pre-Qualified Now

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.

What Our Clients Say

Our happy clients share their experiences with us.
“Working with The Smith Mortgage Group made the home-buying process seamless. Their team was professional and supportive every step of the way!”
Jessica R.
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“The Smith Mortgage Group helped me understand my options clearly. Their guidance was invaluable in securing my first home!”
Mark T.
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“Thanks to The Smith Mortgage Group, I felt empowered throughout my mortgage journey. Their expertise made all the difference!”
Lisa K.
Image depicting a wireframe design for a digital mortgage platform, highlighting user-friendly navigation and features relevant to Springfield homebuyers.
“I appreciated the transparency in the entire process. The team was always available to answer my questions and provide support.”
Brian H.
Image depicting a wireframe design for a digital mortgage platform, highlighting user-friendly navigation and features relevant to Springfield homebuyers.

Featured Metropolitan Areas

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

All States Directory

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Our Services

Every Dream Home Deserves the Right Mortgage

Flexible loan programs designed to fit your unique situation

🏡

Conventional Mortgages

Traditional 15-year and 30-year fixed-rate mortgages with competitive rates and flexible down payment options.

  • 5% - 20% down payment
  • Fixed & adjustable rates
  • Rate locks up to 60 days
  • Quick pre-approval
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🎯

FHA Loans

Perfect for first-time homebuyers with as low as 3.5% down payment and flexible credit requirements.

  • 3.5% minimum down
  • Lower credit score OK
  • Mortgage insurance included
  • Gift funds allowed
Learn More
🎖️

VA Loans

Exclusive benefits for veterans, active military, and surviving spouses with zero down payment required.

  • 0% down payment
  • No PMI required
  • Competitive rates
  • Lifetime eligibility
Learn More
🌾

USDA Loans

Zero down payment options for rural and suburban homebuyers in eligible areas.

  • 0% down payment
  • No PMI required
  • Favorable rural rates
  • Income limits apply
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💎

Jumbo Mortgages

Financing for high-value properties exceeding conventional loan limits with competitive rates.

  • Luxury home financing
  • Competitive jumbo rates
  • 10-20% down typical
  • Expert guidance
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🔄

Refinancing

Lower your payments, access equity, or switch loan types with our streamlined refinance process.

  • Lower monthly payments
  • Cash-out options
  • No appraisal options
  • Fast processing
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🏗️

Construction Loans

Financing for homeowners building new homes or undertaking major renovations with interest-only payments during construction.

  • Interest-only during construction
  • Automatic conversion to permanent
  • Inspections tied to disbursement
  • Expert project coordination
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🏢

Investment Property

Specialized financing for real estate investors purchasing rental properties, fix-and-flips, and multi-unit properties.

  • Portfolio lending options
  • Flexible qualification
  • Rapid funding for deals
  • Investment strategy guidance
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🔍

Specialized Programs

Credit challenged loans, bank statement programs, and non-traditional income verification for unique borrower situations.

  • Alternative income documentation
  • Non-traditional credit evaluation
  • Self-employed solutions
  • Flexible qualification
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🤝

Mortgage Consulting

Expert advice on loan selection, rate shopping, financial planning for homeownership, and refinancing strategies.

  • Personalized loan recommendations
  • Financial planning consultation
  • Rate comparison analysis
  • Pre-approval guidance
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Explore All Our Mortgage Solutions

Discover the full range of our mortgage services and find the perfect option for your home financing needs.

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Mortgage Insights & Homeowner Resources

Navigating the real estate market requires expert knowledge and up-to-date information. Our educational hub is designed to empower you with essential guides, covering everything from first-time homebuyer tips and refinancing strategies to the latest market updates and mortgage industry news. Whether you are planning to purchase an investment property or simply want to understand mortgage rates today, our resources provide the clarity you need to make confident financial decisions