Our story
Our Story: A Home Loan Team Built on Relationships
The Smith Mortgage Group started from one conviction: owning a home is a long journey, and the people financing it should act like guides rather than order-takers. Powered by FCM, we blend the backing of a national lender with personal mortgage service from Shelbyville, Tennessee.
Who we are
Why We Do Mortgages Differently
Financing a house ranks among the largest money decisions most families ever make, yet the experience often feels anonymous: a portal, a queue, a new voice on every call. We set out to build the opposite. Each client gets individual attention, steady communication and someone who explains the reasoning behind every recommendation.
Our branch operates as a division of First Community Mortgage, Inc., NMLS #629700. That relationship provides competitive pricing and the authority to lend in all 50 states, while the day-to-day work stays with a small team in Shelbyville. Buying, refinancing or investing, you get both pieces at once.
Our mission is to help homeowners and investors across the country with flexible, transparent and competitively priced mortgage solutions, delivered with service people remember.
What we stand for
Six Principles We Hold Ourselves To
Honest Communication
Straight answers on rates and costs, with no buried fees, so you always know where your loan stands.
Real Know-How
Complex scenarios get thoughtful solutions instead of a quick decline.
Your Goals First
We keep working until the plan fits your life, not just the loan file.
Responsiveness
Prompt replies and a streamlined process keep momentum from application to closing.
Community
We care about the neighborhoods we lend in, from Middle Tennessee to borrowers in every other state.
Education Without Pressure
We teach first and let you decide on your own timeline, with confidence.
Local care, nationwide reach
What the FCM Partnership Makes Possible
Joining forces with FCM let a hometown branch offer the depth borrowers usually expect only from much larger institutions. See the details on why clients choose us.
- Licensed to originate loans in all 50 states
- Conventional, FHA, VA, USDA, jumbo, construction and Non-QM programs under one roof
- No lender fees on VA loans, so more of a veteran's benefit stays with the borrower
- A real advisor who knows your name instead of a call center
- Rate locks that let you plan your budget with no surprises at the closing table
Not sure which program suits you? Compare a few options with the loan comparison tool before we talk.
Leadership
The Person Who Leads the Branch
As VP & Branch Manager, Sterling Smith set the tone for the group: know every major loan program thoroughly, teach before selling and measure success by how well clients understand their own mortgage. First-time buyers, veterans, self-employed borrowers and investors all work with Sterling Smith directly.
That combination of local responsiveness and national capacity is the heart of our story. Read a fuller profile on Meet the Team, or see how clients describe the experience on our success stories page.
Become Part of the Story
Book a free, no-obligation consultation with Sterling Smith. There is no hard credit pull to begin, and you can reach the team by call or text at 931-205-9873.
Contact Our TeamLicensing
Licensed Lending Information
Sterling Smith is VP & Branch Manager with The Smith Mortgage Group, Powered by FCM, NMLS #1726806. Program availability, rates, terms and approval depend on borrower qualifications, underwriting and state licensing requirements. Nothing on this page is a commitment to lend. Equal Housing Opportunity. Licensing can be verified through NMLS Consumer Access, and more detail is on our privacy and compliance page.
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Let's Talk
Questions about personal mortgage service?
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.
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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.