Why Choose Us

Experience a smooth mortgage process with our dedicated team. We believe in making homeownership accessible through clear communication and personalized service.
Why Choose Us
The Smith Mortgage Group — Local Expertise, National Strength

Choosing the right mortgage lender is one of the most important decisions in your homebuying journey. At The Smith Mortgage Group, we combine the personal touch of a Shelbyville, Tennessee community lender with the full program access and in-house underwriting power of FCM Homeloans — licensed in all 50 states and built to serve every type of borrower.

Led by Sterling Smith, VP & Branch Manager (NMLS #1726806), our team delivers competitive mortgage rates, same-day pre-approvals, and a complete menu of loan programs — conventional, FHA, VA, USDA, jumbo, construction, DSCR, and non-QM — all under one roof. When you work with The Smith Mortgage Group, you get a trusted mortgage advisor, not a call center.

The Smith Mortgage Group by the Numbers
50States Licensed via FCM
21Day Average Close Time
$0Lender Fees on VA Loans
10+Loan Programs Available
The Smith Mortgage Group Advantage
1
Competitive Mortgage Rates
As a mortgage company powered by FCM Homeloans, The Smith Mortgage Group accesses wholesale pricing and in-house underwriting to deliver competitive conventional, FHA, VA, and USDA loan rates — rates that retail banks and online lenders simply can't match for Tennessee buyers and homeowners nationwide.
2
Transparent Process — No Hidden Fees
Transparency is a core value at The Smith Mortgage Group. We provide clear, upfront disclosures on rates, closing costs, and loan terms from day one. And on VA loans, we go further — FCM charges no lender fees, period. That's our commitment to the veterans and service members we proudly serve.
3
Expert Mortgage Guidance from Sterling Smith
When you call The Smith Mortgage Group, you reach Sterling Smith directly — not a rotating call center. Sterling's expertise spans conventional loans, FHA loans, VA home loans, USDA rural development loans, jumbo mortgages, DSCR investor loans, and specialized non-QM programs for self-employed borrowers and complex income scenarios.
4
Same-Day Pre-Approval
In today's competitive Tennessee housing market, speed matters. The Smith Mortgage Group offers same-day pre-approval for qualified borrowers — giving you a verified, lender-backed letter to present with confidence. Our in-house underwriting through FCM means fewer delays and faster decisions from application to closing.
5
Full Loan Program Menu
From a first-time FHA buyer in Shelbyville to a real estate investor financing a rental portfolio, The Smith Mortgage Group has a program for every scenario — conventional, FHA, VA, USDA, jumbo, construction (one-time close), DSCR, bank statement loans, ITIN, foreign national, and credit challenge programs through FCM Solutions.
6
Free Mortgage Consulting — No Pressure
Not sure which loan is right for you? Sterling Smith offers complimentary mortgage consultations — in person, by phone, or virtually — with zero obligation. Whether you're ready to buy, planning for six months from now, or rebuilding credit, The Smith Mortgage Group meets you where you are and builds a roadmap to get you home.
How We Compare
Feature The Smith Mortgage Group Typical Lenders
VA Loan Lender Fees✓ $0 — No lender fees on VA loans✗ Fees apply
Pre-Approval Speed✓ Same day available✗ 2–3 business days
Loan Programs✓ 10+ including non-QM & DSCR✗ Limited options
Dedicated Advisor✓ Sterling Smith — direct access✗ Call center rotation
Underwriting✓ In-house via FCM Homeloans✗ Third-party delays
Nationwide Lending✓ All 50 states licensed✗ Limited regions
Average Closing Time✓ 21 days✗ 30–45 days
Our Simple Mortgage Process

From your first call with Sterling Smith to the day you get your keys, The Smith Mortgage Group makes the path to homeownership clear and stress-free.

1
Free Mortgage Consultation
Connect with Sterling Smith to discuss your goals, review your finances, and identify the right loan program — conventional, FHA, VA, USDA, jumbo, or non-QM.
2
Same-Day Pre-Approval
Submit your documents and receive a verified pre-approval letter — often the same day. Our in-house underwriting through FCM means faster decisions and fewer surprises.
3
Application & Rate Lock
Complete your loan application and lock your mortgage rate. The Smith Mortgage Group keeps you informed at every stage so you always know where your loan stands.
4
Underwriting & Approval
FCM's in-house underwriting team reviews your file quickly. We proactively address any conditions to keep your timeline on track toward a fast closing.
5
Close & Move In
We coordinate your closing, review final numbers with you, and make sure everything is in order — so you can sign with confidence and get the keys to your new home.
What Our Clients Say About The Smith Mortgage Group
The Smith Mortgage Group made our first home purchase in Shelbyville incredibly smooth. Sterling explained every step of the FHA loan process, found us a great rate, and was always available to answer questions. We couldn't be happier with our experience.
JD
Jennifer & David
Shelbyville, TN
As a self-employed business owner, I was worried about getting approved for a mortgage. Sterling found the perfect bank statement loan for my situation through FCM Solutions and closed in under 30 days. Exceptional service — highly recommend The Smith Mortgage Group.
MR
Michael R.
Nashville, TN
We've refinanced twice with The Smith Mortgage Group and each time has been seamless. The rates are competitive, the process is transparent, and Sterling genuinely cares about getting you the best outcome. We won't go anywhere else.
SC
Sarah & Chris
Murfreesboro, TN
Sterling and the team walked us through our VA loan from start to finish. As veterans, we truly appreciated their deep knowledge of the program and their commitment to no lender fees. Closed on time with zero surprises — The Smith Mortgage Group is the real deal.
TW
Thomas & Whitney
Clarksville, TN

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.

Experience the The Smith Mortgage Group Difference
Ready to work with a trusted mortgage advisor who puts your goals first? Get your free consultation with Sterling Smith today — no pressure, no commitment.
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