Smith Mortgage Group Reviews and Client Success Stories

We never thought homeownership was possible with student loans and limited savings. Sterling found us an FHA loan with just 3.5% down and walked us through every step. We closed in under 30 days and our payment is lower than our old rent.

After serving in the Army, I wanted to use my VA benefits to buy a home for my family. The Smith Mortgage Group made it happen with zero down, no PMI, and no lender fees. Sterling treated us with respect from the first call to closing day.

Multiple lenders told me I didn't qualify because of my tax write-offs. Sterling took the time to understand my business and used my bank statements to verify income instead. They believed in me when others didn't — now I own my home in Nashville.

We wanted to renovate our kitchen and consolidate high-interest debt. Sterling walked us through a cash-out refinance that actually lowered our rate and gave us the funds we needed. It was the best financial move we've made.

My CPA said my tax returns wouldn't qualify me for another investment loan. Sterling introduced me to DSCR loans, where the property's rental income does the qualifying. The Smith Mortgage Group helped me close on two rentals and I'm still growing.

After my divorce and some financial setbacks, I thought homeownership was years away. Sterling didn't just find me a loan — he helped me build a credit-readiness plan and matched me with a specialized program. Eight months later, I closed on my own home.

Sterling answered every question, responded quickly, and made the whole mortgage process stress-free. The Smith Mortgage Group is the real deal — I'll never use another lender.

Best mortgage experience I've had. Sterling is professional, knowledgeable, and genuinely cared about getting us the best conventional loan rate. Highly recommend The Smith Mortgage Group.

They made what seemed impossible, possible. We were self-employed and had been turned away twice. FCM Solutions had the right program and Sterling made sure we crossed the finish line.

From pre-approval to closing, The Smith Mortgage Group handled everything with speed and professionalism. We closed in 21 days — faster than we thought possible. Would absolutely work with Sterling again.

Sterling took time to truly explain our USDA loan options and never once made us feel rushed. A customer-first mortgage advisor — exactly what first-time buyers need.

Exceptional service on our VA loan. No lender fees, no surprises — just a smooth closing and a team that actually honored our service. The Smith Mortgage Group earns every star.