Your Path to Home Financing — The Smith Mortgage Group

Welcome to The Smith Mortgage Group, a trusted local mortgage lender in Shelbyville, TN, and home loans Tennessee resource for buyers across the state. We specialize in personalized mortgage solutions — from conventional loans and FHA loans to VA loans and USDA loans — whether you’re buying your first home or refinancing. As the best mortgage lender Shelbyville TN homeowners turn to, our team is here to guide you every step of the way.

What We Offer

Explore Our Mortgage Options With The Smith Mortgage Group

As a full-service mortgage company Shelbyville Tennessee homeowners and homebuyers rely on, The Smith Mortgage Group offers a complete range of home loan programs designed to fit your unique financial picture. Whether you’re researching VA loans, FHA loans, conventional loans, or USDA loans, our local mortgage lender Shelbyville team is here to guide you every step of the way — from your first application through smith mortgage group pre-approval and closing.

VA Loans

Zero-down VA home loans for veterans and military personnel, with no lender fees through FCM.

FHA Loans

Tennessee with lower credit score and down payment requirements — ideal for first-time homebuyers.

Conventional Loans

Tennessee programs with competitive rates for buyers with good credit and stable finances.

USDA Loans

loan Tennessee options offering 100% financing for rural and eligible suburban homebuyers.

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
Learn More
🎯

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
Learn More
💎

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
Learn More
🔄

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
Learn More
🏗️

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
Learn More
🏢

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
Learn More
🔍

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
Learn More
🤝

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
Learn More

No services found in this category. Please try another filter.

Explore All Our Mortgage Solutions

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

View All Services

Investment Property Loans

Explore tailored investment property financing and dscr loan options through The Smith Mortgage Group. We help real estate investors make informed decisions, balancing potential returns with manageable risk. Let us guide you through acquiring or refinancing your investment property.

Construction Loans

Construction Loans Our home construction loan and one time close construction loan programs provide flexible financing for your building project. From financing land purchases to covering construction costs, The Smith Mortgage Group tailors every construction to permanent loan to your needs.

Personalized Solutions

Personalized Solutions With our client-first approach, The Smith Mortgage Group prioritizes your individual needs to deliver mortgage solutions that align with your goals. Trust Sterling Smith's expertise to help you navigate conventional loans, FHA loans, VA loans, USDA loans, and more.

Ready to take the next step?

Schedule a free mortgage consultation today and discover tailored home loan solutions just for you. Whether you need smith mortgage group pre-approval or want to get prequalified, our team is here to guide you every step of the way.
Apply Now

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.
Image depicting a wireframe design for a digital mortgage platform, highlighting user-friendly navigation and features relevant to Springfield homebuyers.
“The Smith Mortgage Group helped me understand my options clearly. Their guidance was invaluable in securing my first home!”
Mark T.
Image depicting a wireframe design for a digital mortgage platform, highlighting user-friendly navigation and features relevant to Springfield homebuyers.
“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.

Common Questions

Mortgage FAQs: Clear Answers to Common Questions From The Smith Mortgage Group Subheadline: Your questions about home loans Tennessee, answered simply and clearly. Button: Get in Touch
Get in Touch

The mortgage application process involves several steps. First, gather your financial documents like income statements and tax returns. Then complete an application detailing your financial situation and lending preferences. After that, a loan officer at The Smith Mortgage Group will review your application for smith mortgage group pre-approval, and once approved, you’ll receive a loan estimate to review the terms. Finally, if you accept, you’ll move into the closing process.

We offer conventional loans, FHA loans, VA loans, USDA loans, jumbo mortgages, refinancing, construction loans, investment property financing, and specialized non-QM loan programs — giving Tennessee buyers a full menu of options no matter their situation.

Your rate is based on factors like your credit score, down payment, loan term, loan type, and current mortgage rates Tennessee market conditions. We’ll walk you through your personalized rate options during your consultation with Sterling Smith.


A down payment is the upfront portion of the home’s purchase price you pay at closing. Depending on your loan program, this can range from 0% on VA loans and USDA loans to 3.5% on FHA loans, and up to 20%+ on conventional loans or jumbo mortgages.

Yes. Our refinancing solutions can help you lower your monthly payment, reduce your interest rate, remove PMI, or access your home’s equity through a cash-out refinance. We’ll review your current loan to see if a refinance makes sense for you.

The Smith Mortgage Group offers specialized and non-QM programs designed for borrowers with credit challenges, including bank statement mortgage loans and alternative income documentation. Reach out and we’ll find a program that fits — no matter your situation.

Mortgage FAQs: Clear Answers to Common Questions

Reach Out

We’re here to answer your questions and listen to your feedback.

Get in Touch:

We’re happy to assist you with any inquiries.

Email

Reach out to us anytime, we’re ready to assist.

sterling.smith@fcmhomeloans.com

Phone

Call us for immediate assistance.

931-205-1424

Office

605 Delray Street, Shelbyville, TN 37160