Mortgage Tools & Resources
Mortgage Tools & Resources From The Smith Mortgage Group
Make informed decisions about your home financing with The Smith Mortgage Group's comprehensive suite of mortgage calculators and planning tools. Whether you're buying your first home in Shelbyville, TN, refinancing your current mortgage, or exploring an investment property purchase anywhere in Tennessee, our free mortgage calculators help you understand your loan options and plan your budget with confidence — before you even start the smith mortgage group pre-approval process.
Powerful Mortgage Calculators & Financial Planning Tools
Calculate payments, compare conventional, FHA, VA, USDA, and jumbo loan options, and plan your home financing strategy with The Smith Mortgage Group's precision tools.
Mortgage Payment Calculator
Estimate your conventional mortgage payment calculator results, including principal, interest, property taxes, and insurance. Perfect for budget planning and comparing conventional, FHA, and VA loan scenarios with The Smith Mortgage Group.
- Calculate monthly payment amounts
- Include property taxes and insurance
- View principal vs interest breakdown
- Compare 15-year vs 30-year mortgage terms
Home Affordability Calculator
Determine how much home you can afford in Tennessee based on your income, debts, and down payment. Get a realistic price range before starting your home loans Tennessee search with The Smith Mortgage Group.
- Calculate maximum purchase price
- Factor in income and existing debts
- Account for down payment amount
- Apply 28/36 debt-to-income rules
Refinance Savings Calculator
See how much you could save with a mortgage refinance through The Smith Mortgage Group. Use our refinance savings calculator to compare your existing rate with today's mortgage rates Tennessee and find your break-even point.
- Calculate monthly payment savings
- Determine refinance break-even point
- Compare total interest paid
- Factor in closing costs
Loan Comparison Tool
Compare conventional loans, FHA loans, VA loans, and jumbo mortgages side-by-side. Evaluate interest rates, terms, and down payments to find the best loan program with The Smith Mortgage Group.
- Compare up to 3 loan scenarios
- View total cost differences
- Analyze payment structures
- Make informed mortgage decisions
Extra Payment Calculator
Discover how extra payments can save you thousands in interest and help you pay off your mortgage years earlier. The Smith Mortgage Group's extra payment calculator models your fastest path to a paid-off home.
- Calculate interest savings
- See time saved on your mortgage
- Model different payment strategies
- Plan your debt-free timeline
Current Rates & Terms
Explore today's mortgage rates Tennessee for conventional, FHA, VA, USDA, and jumbo loan programs. The Smith Mortgage Group, powered by FCM, offers competitive rates backed by in-house underwriting.
- View current market rates
- Compare loan program rates
- Get a personalized rate quote
- Lock in competitive terms
Additional Mortgage Resources & Guides
Expert insights and educational materials from The Smith Mortgage Group to guide your home loan journey.
First-Time Buyer Guide
The Smith Mortgage Group's complete first time homebuyer consulting guide, covering everything from smith mortgage group pre-approval to closing day.
Read GuideMortgage Glossary
Understand mortgage terminology with The Smith Mortgage Group's comprehensive glossary of loan terms and definitions.
View GlossaryProcess Timeline
A step-by-step breakdown of the mortgage process from application through closing day with The Smith Mortgage Group.
View TimelineDocument Checklist
A downloadable checklist of documents you'll need for your mortgage application with The Smith Mortgage Group.
Get ChecklistMortgage FAQ
Answers to the most common questions about mortgage rates Tennessee, loan programs, and the home buying process.
Read FAQHomeowner Blog
Expert insights from The Smith Mortgage Group on Tennessee real estate trends, mortgage strategies, and homeownership tips.
Visit BlogReady to Take the Next Step With The Smith Mortgage Group?
Our mortgage experts in Shelbyville, TN are here to help you navigate your conventional, FHA, VA, USDA, or jumbo loan options and find the perfect program for your unique situation. Get smith mortgage group pre-approval today and start your journey to homeownership.
Call Sterling Smith directly: 931-205-9873
The Smith Mortgage Group | NMLS #1726806 | Powered by FCM | 605 Delray Street, Shelbyville, TN 37160
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
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
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
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
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
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
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
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
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
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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