Smith Mortgage Group Reviews & Success Stories

Homebuyers, veterans, investors, and families across Tennessee and the nation have trusted The Smith Mortgage Group — powered by FCM Homeloans — to guide them home. Read their real stories and discover why Sterling Smith is the trusted mortgage advisor of choice in Shelbyville, TN and beyond.

★★★★★ 5.0/5 — Sterling Smith FCM Reviews
50 States Licensed via FCM
$0 Lender Fees on VA Loans
21 Day Average Closing Time
10+ Loan Programs Available

Featured Client Success Stories

Every borrower's situation is different — and that's exactly why The Smith Mortgage Group offers the full menu of loan programs. Here are a few of the stories behind the closings.

JM
Jessica & Marcus T.
Shelbyville, Tennessee
First-Time Homebuyer • FHA Loan
"We never thought homeownership was possible with student loans and limited savings. Sterling at The Smith Mortgage Group found us an FHA loan with just 3.5% down and walked us through every single step. We closed in under 30 days and our monthly payment is lower than the rent we were paying. We couldn't have done it without Sterling Smith and his team."

The Challenge:

Limited down payment savings, student loan debt, first-time buyer uncertainty in a competitive Tennessee market

The Solution:

FHA loan with 3.5% down payment, first-time homebuyer consulting, pre-approval strategy from The Smith Mortgage Group

The Result:

Purchased a 3-bedroom home in Middle Tennessee with a monthly payment hundreds below their prior rent

RW
Robert W.
Clarksville, Tennessee
Military Veteran • VA Loan — No Lender Fees
"After serving in the Army, I wanted to use my VA benefits to buy a home for my family. The Smith Mortgage Group — powered by FCM — made it happen with zero down payment, no PMI, and no lender fees. That commitment to veterans is real. Sterling treated us with respect from the first call to closing day."

The Challenge:

Transitioning from military service, wanted to maximize VA loan benefits, needed fast closing near Clarksville, TN

The Solution:

VA home loan with 0% down, no mortgage insurance, no FCM lender fees — the key VA differentiator at The Smith Mortgage Group

The Result:

Purchased a 4-bedroom home near Fort Campbell with $0 down and significant monthly savings by eliminating PMI

SP
Sarah P.
Nashville, Tennessee
Self-Employed • Bank Statement Loan
"Multiple lenders told me I didn't qualify because of my tax write-offs. Sterling Smith took the time to understand my business and used my bank statements to verify my income instead. The Smith Mortgage Group believed in me when other lenders didn't — and now I own my own home in Nashville."

The Challenge:

Self-employed business owner with write-offs reducing taxable income, denied by multiple traditional lenders

The Solution:

12-month bank statement loan through FCM Solutions — no tax returns required, alternative income verification for self-employed borrowers

The Result:

Approved and closed on a Nashville home — a result three other lenders said was impossible

DK
David & Karen C.
Franklin, Tennessee
Refinance • Cash-Out Refinance
"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. Our home value went up after the renovation. It was the best financial move we've made — and The Smith Mortgage Group made it simple."

The Challenge:

Needed cash for home improvements, carrying high-interest debt, wanted to reduce monthly obligations

The Solution:

Cash-out refinance with competitive rate, debt consolidation strategy, and home improvement financing — all through The Smith Mortgage Group's refinancing solutions

The Result:

Lower monthly mortgage payment, credit card debt eliminated, and a renovated home with increased market value in Franklin, TN

ML
Michael L.
Memphis, Tennessee
Real Estate Investor • DSCR Loan
"I wanted to grow my rental portfolio but 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, not my personal income. The Smith Mortgage Group helped me close on two rental properties and I'm still growing."

The Challenge:

Real estate investor with complex personal income unable to qualify through traditional documentation requirements

The Solution:

DSCR loan — qualifying based on rental property cash flow, no personal income verification required, investor-focused program through The Smith Mortgage Group

The Result:

Closed on two Memphis rental properties generating positive monthly cash flow — and actively working with Sterling on the next acquisition

AB
Amanda B.
Murfreesboro, Tennessee
Credit Challenge • Specialized Non-QM Program
"After my divorce and some financial setbacks, I thought homeownership was years away. Sterling Smith didn't just find me a loan — he helped me build a credit readiness plan and matched me with a specialized program through FCM Solutions. Eight months later, I closed on my own home in Murfreesboro. I'm still in shock at how possible it became."

The Challenge:

Damaged credit after divorce, previous derogatory marks, denied by conventional lenders, needed a real roadmap — not just a rejection

The Solution:

Mortgage credit consulting with Sterling Smith, specialized non-QM credit challenge program via FCM Solutions, personalized mortgage readiness assessment

The Result:

Improved credit profile, approved for an FHA loan, closed on a 3-bedroom home in Murfreesboro, TN — from renting to owning in under a year

More Smith Mortgage Group Testimonials

Real feedback from real clients — Tennessee homebuyers, veterans, and investors who worked directly with Sterling Smith and The Smith Mortgage Group, powered by FCM Homeloans.

★★★★★

"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."

Jennifer L.

Memphis, TN

★★★★★

"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."

Thomas R.

Brentwood, TN

★★★★★

"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."

Maria & Greg G.

Columbia, TN

★★★★★

"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."

Kevin M.

Hendersonville, TN

★★★★★

"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."

Lisa & John D.

Lawrenceburg, TN

★★★★★

"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."

Raymond P.

Clarksville, TN

Ready to Start Your Own Success Story?

Join homebuyers, veterans, and investors across Tennessee and all 50 states who chose The Smith Mortgage Group for their mortgage needs. Your free consultation with Sterling Smith is one call away.

Book a Free Consultation Call 931-205-9873
The Smith Mortgage Group | NMLS #1726806 | Powered by FCM | 605 Delray Street, Shelbyville, TN 37160 | 931-205-9873 | thesmithmortgagegroup.net
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