The Smith Mortgage Group | Trusted Mortgage Lender - Powered by FCM
The Smith Mortgage Group · Powered by FCM

Your Home.
Your Journey.
Your Mortgage.

Expert mortgage guidance for buyers, veterans, investors, and homeowners across all 50 states. Transparent rates. Personalized solutions. Real results.

Get Pre-Approved Free Explore Loan Programs
50
States Licensed
10+
Loan Programs
5★
Client Rated
Start Your Journey

What brings you here today?

No hard credit pull required. Free consultation.

Where Are You In Your Journey?

Every Borrower's Path Is Different

We match you with the right program—whether you're buying your first home, serving our country, or growing your portfolio.

First-Time Buyer
FHA, USDA, and down payment assistance programs designed to get you into your first home with as little as 3.5% down.
Explore First-Time Programs →
Military & Veterans
0% down, no PMI, competitive rates. VA loans are one of the strongest benefits available to those who served.
Discover VA Benefits →
Refinancing
Lower your rate, access equity, or switch loan types. Rate-and-term, cash-out, FHA streamline, and VA IRRRL options.
Explore Refinance Options →
Real Estate Investor
DSCR loans, portfolio lending, multi-unit financing. We specialize in complex investment scenarios that banks turn away.
Investment Property Loans →
What We Offer

Mortgage Solutions for Every Situation

From conventional to construction, we have programs to fit your unique financial picture.

View All Services Get Pre-Approved Free
Need Help Choosing?
Call Sterling Smith
931-205-9873
VP & Branch Manager · Shelbyville, TN
Simple & Streamlined

From Application to Closing

Our process is designed to be fast, clear, and stress-free.

1
Get Pre-Approved
Complete a quick application. No hard credit pull required. Decision in as little as 24 hours.
2
Choose Your Program
Our loan advisors match you with the best loan based on your goals, credit, and property.
3
Lock Your Rate
Lock your rate for up to 60 days. We handle underwriting and keep you in the loop.
4
Close & Move In
We coordinate closing and handle compliance. Typically 30–45 days from application.
Top Programs for 2026

Loan Programs Built for Today's Market

All Programs →
Zero Down
VA Home Loans
The nation's best mortgage benefit for those who served. No down payment, no PMI, lifetime eligibility.
  • 0% Down Payment Required
  • No Private Mortgage Insurance
  • No Lender Fees (FCM waived)
  • Competitive Rates
VA Loan Details →
Most Flexible
FHA Loans
Designed for first-time buyers and those rebuilding credit. Low barriers, high approval rates.
  • 3.5% Down (580+ Credit Score)
  • 100% Gift Funds Allowed
  • Flexible Credit Guidelines
  • Down Payment Assistance Eligible
FHA Loan Details →
Self-Employed
Non-QM Programs
Qualify with bank statements, DSCR, or ITIN—no traditional income docs needed.
  • 12 or 24-Month Bank Statements
  • DSCR for Investors
  • ITIN / Home Opportunity Loan
  • Alternative Credit Acceptable
Non-QM Details →
What Our Clients Say

Real Stories. Real Results.

★★★★★
5.0 / 5.0
100+ Verified Reviews
"

Sterling and his team made our first home purchase completely stress-free. They explained every step clearly and got us closed in 28 days. We couldn't believe how smooth it was.

JM
James & Maria T.
Nashville, TN
FHA Loan · First-Time Buyer
"

As a veteran, I'd heard VA loans were complicated. The Smith Mortgage Group handled everything. Zero down, zero PMI, and they waived lender fees. Incredible value.

DR
David R.
Clarksville, TN
VA Loan · Active Duty
"

I'm self-employed and got turned down by two banks. Sterling found a bank statement program that worked perfectly. Closed on my investment property in 35 days.

KC
Karen C.
Memphis, TN
Non-QM · Self-Employed Investor
Common Questions

Mortgage Questions Answered Clearly

We believe in transparency. No jargon, no surprises—just honest answers.

Conventional loans typically require 620–640+. FHA loans work with scores as low as 500–580. VA and USDA have flexible requirements. We also offer Non-QM programs with alternative credit evaluation. Call us—we'll find a path for your situation.
Application to closing typically takes 30–45 days. Some refinances close in 21 days or less. Pre-approval decisions can often be issued within 24–48 hours of completing your application.
Pre-qualification is a preliminary estimate based on self-reported info—no credit check needed. Pre-approval involves a credit review and document verification, giving you a firm loan amount. Sellers take pre-approval letters much more seriously.
Absolutely. Options include FHA (3.5% down), VA (0% down), USDA (0% in rural areas), and conventional programs starting at 3–5% down. We can also connect you with state and county down payment assistance programs.
Yes. Through FCM Solutions Non-QM programs, we offer 12- or 24-month bank statement loans, P&L statement programs, and asset depletion options. Many self-employed borrowers declined by traditional banks have closed successfully with us.
Yes. We offer rate locks up to 60 days to protect you from market fluctuations during processing. Once locked, your rate is secure regardless of where the market moves—giving you budget certainty.
Start Today

Your Dream Home Is One
Conversation Away

No obligation. No hard credit pull. Just expert guidance from a team that puts your goals first.

Get Pre-Approved Free Contact Our Team
Call Sterling Smith Directly 931-205-9873
Nationwide Coverage

Serving All 50 States

From Shelbyville, TN to every corner of the country—we're licensed and ready to help wherever you're buying.

50
States Licensed 250+ Local Markets
250+
Metro Service Areas 5 Cities per State
Get In Touch

Let's Talk About Your Mortgage Goals

Whether you're ready to apply or just exploring options, our team responds within 2 business hours.

Call Us
931-205-9873
Sterling Smith · VP & Branch Manager
Email Us
sterling.smith@fcmhomeloans.com
Response within 2 business hours
Visit Us
605 Delray Street
Shelbyville, TN 37160
Request a Free Consultation

No hard credit pull. No obligation. Just answers.

Free Resources

Tools & Guides to Help You Decide

All Resources →

Mortgage Insights & Homeowner Resources

Navigating the real estate market requires expert knowledge and up-to-date information. Our educational hub is designed to empower you with essential guides, covering everything from first-time homebuyer tips and refinancing strategies to the latest market updates and mortgage industry news. Whether you are planning to purchase an investment property or simply want to understand mortgage rates today, our resources provide the clarity you need to make confident financial decisions