Our Story
Our Story
The Smith Mortgage Group was built on the belief that every borrower deserves a trusted mortgage advisor — not just a lender. Founded in Shelbyville, Tennessee, and proudly powered by FCM Homeloans, our mission has always been to make homeownership more accessible, more transparent, and more personal for families and buyers throughout the state of Tennessee and across all 50 states.
What began as a commitment to the Shelbyville community has grown into a full-service mortgage company serving buyers, homeowners, veterans, first-time purchasers, and real estate investors from coast to coast. As a mortgage company in Shelbyville, Tennessee backed by FCM's national infrastructure, The Smith Mortgage Group combines the feel of a local lender with the power of a nationwide operation — in-house underwriting, competitive rates, and a complete menu of loan programs including conventional, FHA, VA, USDA, jumbo, construction, and non-QM solutions.
Sterling Smith, our VP & Branch Manager (NMLS #1726806), leads every client relationship with a no-pressure, client-first approach. Whether you're buying your first home in Middle Tennessee or refinancing an investment property in another state, The Smith Mortgage Group brings personalized guidance, speed, and expertise to every transaction.
To empower homebuyers, homeowners, and investors across Tennessee and the nation with transparent mortgage guidance, competitive loan programs, and the personalized service of a trusted local advisor — backed by the strength of FCM Homeloans and licensed in all 50 states.
- Licensed in all 50 states through FCM Homeloans — local expertise, national reach
- Full loan menu: conventional, FHA, VA, USDA, jumbo, construction, non-QM, and DSCR investor loans
- In-house underwriting for faster approvals and fewer delays
- Average closing time of 21 days — one of the fastest in Tennessee
- No lender fees on VA loans — our commitment to the men and women who served
- Free, no-pressure mortgage consultations with Sterling Smith directly
Sterling Smith is the VP & Branch Manager of The Smith Mortgage Group, powered by FCM Homeloans, based in Shelbyville, Tennessee. As the face and driving force behind the team, Sterling brings a personalized, community-focused approach to every client relationship — whether you're a first-time buyer in Shelbyville, a veteran using your VA loan benefit, or a seasoned investor building your rental portfolio.
Sterling's deep roots in Middle Tennessee, combined with FCM's 50-state lending platform and in-house underwriting capabilities, give every client the best of both worlds: a trusted local advisor with national resources. His no-pressure consulting style and commitment to finding the right loan — not just any loan — have made The Smith Mortgage Group one of the most referred mortgage teams in Shelbyville, TN.
Ready to talk? Reach Sterling directly at 931-205-9873 or sterling.smith@fcmhomeloans.com.
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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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.