Meet the team
Meet the Mortgage Loan Officer Behind The Smith Mortgage Group
Our Shelbyville, Tennessee branch is led by Sterling Smith, a licensed mortgage loan officer and VP & Branch Manager powered by FCM. Clients across all 50 states get guidance on conventional, FHA, VA, USDA, jumbo, construction and Non-QM loans from the same trusted advisor.
People, not a call center
An Advisor Who Remembers Your Name
A mortgage goes better when the person guiding it actually knows you. At The Smith Mortgage Group, you are not routed through a phone tree or handed to a new rep at each milestone. One advisor learns your goals at the start and stays with you until the keys change hands.
That holds for a first-time buyer in Shelbyville and for an experienced investor adding a rental across the country. Curious how the group got here? Read our story.
Our leadership
Sterling Smith, VP & Branch Manager
Sterling Smith, NMLS #1726806, leads The Smith Mortgage Group, Powered by FCM, from the branch office in Shelbyville, Tennessee. Every client relationship follows a no-pressure, education-first approach: lay out the options, explain how each one works, then help the borrower choose the loan that fits real life. That makes the role part loan officer, part mortgage consultant.
Sterling Smith works across conventional mortgages, FHA and VA loans, USDA rural development financing, jumbo mortgages, construction loans, DSCR investor programs and Non-QM solutions. Clients include first-time buyers in Middle Tennessee, veterans putting their earned benefit to work and investors in other states.
Through the partnership with First Community Mortgage, the branch can offer competitive rates and originate loans in all 50 states, while each client keeps a direct line to the branch manager.
Working with Sterling
What a Direct Relationship Looks Like
- Replies to calls, texts and emails within 2 business hours
- A clear explanation of each program that fits before you choose
- No hard credit pull to pre-qualify, so exploring costs nothing
- The same point of contact from pre-approval through closing day
- Honest feedback when waiting or adjusting plans would serve you better
Prefer to prepare first? Our document checklist shows what to gather before the first call.
About working with us
Questions About Your Loan Officer
Will I speak with Sterling Smith or an assistant?
You work directly with Sterling Smith. The point of a small branch is that your loan officer knows your file personally and is the person answering your questions.
How can I confirm Sterling Smith is licensed?
Search NMLS #1726806 on NMLS Consumer Access. The branch operates under First Community Mortgage, Inc., NMLS #629700. Licensing details are also summarized on our privacy and compliance page.
Can I meet in person at the Shelbyville office?
Yes. The office at 605 Delray Street, Shelbyville, TN 37160 sees clients by appointment, so please call ahead at 931-205-9873. Borrowers outside Tennessee typically handle everything by phone, text, email and secure upload.
Do I need to commit to anything before the first conversation?
No. Consultations are free and carry no obligation, and pre-qualifying does not involve a hard credit inquiry. You can begin online with our pre-qualification form.
Talk Through Your Plans With Sterling
Call or text 931-205-9873, or email sterling.smith@fcmhomeloans.com. Loan availability and approval depend on qualifications, underwriting and state licensing requirements. Equal Housing Opportunity.
Contact Sterling SmithKeep Exploring
Related resources
Let's Talk
Questions about mortgage loan officer?
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.