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The Smith Mortgage Group · Powered by FCM

Your Home.
Your Journey.
Your Mortgage.

The Smith Mortgage Group delivers expert mortgage guidance for first-time buyers, veterans, investors, and homeowners across all 50 states. Competitive rates, personalized loan solutions, and a team that puts your goals first — that's the Smith Mortgage Group promise.

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50
States Licensed
10+
Loan Programs
5★
Client Rated
Start Your Journey with The Smith Mortgage Group

What brings you here today?

No hard credit pull required. Free consultation with The Smith Mortgage Group.

Where Are You In Your Journey?

Every Borrower's Path Is Different

The Smith Mortgage Group matches you with the right program — whether you're buying your first home, serving our country, investing in real estate, or ready to refinance.

First-Time Buyer
FHA, USDA, and down payment assistance programs designed by The Smith Mortgage Group to get you into your first home with as little as 3.5% down.
Explore First-Time Programs →
Military & Veterans
0% down, no PMI, and no lender fees through FCM. The Smith Mortgage Group specializes in VA loans for active duty, veterans, and surviving spouses.
Discover VA Benefits →
Refinancing
Lower your rate, access equity, or switch loan types. The Smith Mortgage Group offers rate-and-term, cash-out, FHA streamline, and VA IRRRL options.
Explore Refinance Options →
Real Estate Investor
DSCR loans, portfolio lending, multi-unit financing. The Smith Mortgage Group specializes in complex investment scenarios that traditional banks turn away.
Investment Property Loans →
What We Offer

Mortgage Solutions for Every Situation

From conventional to construction, The Smith Mortgage Group has programs to fit your unique financial picture — backed by FCM's nationwide lending power.

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

From Application to Closing with The Smith Mortgage Group

Our process at The Smith Mortgage Group is designed to be fast, clear, and stress-free — from your first call to closing day.

1
Get Pre-Approved
Complete a quick application with The Smith Mortgage Group. No hard credit pull required. Decision in as little as 24 hours.
2
Choose Your Program
Sterling Smith and our loan advisors match you with the best loan based on your goals, credit profile, and property type.
3
Lock Your Rate
Lock your rate for up to 60 days. The Smith Mortgage Group handles in-house underwriting and keeps you informed every step of the way.
4
Close & Move In
We coordinate closing and handle all compliance requirements. Most loans close in 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 strongest mortgage benefit — and The Smith Mortgage Group makes it even better. No down payment, no PMI, and FCM waives lender fees entirely.
  • 0% Down Payment Required
  • No Private Mortgage Insurance
  • No Lender Fees (FCM Waived)
  • Competitive VA Rates Nationwide
VA Loan Details →
Most Flexible
FHA Loans
Designed for first-time buyers and those rebuilding credit. The Smith Mortgage Group makes FHA simple — low barriers, fast approvals, high success 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
Don't fit the conventional box? The Smith Mortgage Group, powered by FCM Solutions, qualifies you with bank statements, DSCR, or ITIN — no traditional income docs needed.
  • 12 or 24-Month Bank Statements
  • DSCR Loans for Real Estate Investors
  • ITIN / Home Opportunity Loan
  • Alternative Credit Accepted
Non-QM Details →
What Our Clients Say

Real Stories. Real Results.

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

Sterling Smith and The Smith Mortgage Group 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 from start to finish. Zero down, zero PMI, and they waived all lender fees. Incredible value — and an incredible team.

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

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

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

Mortgage Questions Answered Clearly by The Smith Mortgage Group

At The Smith Mortgage Group, we believe in full transparency. No jargon, no surprises — just honest answers from a team that works for you.

Conventional loans through The Smith Mortgage Group typically require 620–640+. FHA loans work with scores as low as 500–580. VA and USDA programs offer flexible guidelines. Through FCM Solutions, our Non-QM programs provide alternative credit evaluation. Call us — we'll find a path for your situation.
At The Smith Mortgage Group, application to closing typically takes 30–45 days. Many 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 through The Smith Mortgage Group involves a credit review and document verification, giving you a firm loan amount that sellers take seriously.
Absolutely. The Smith Mortgage Group offers FHA (3.5% down), VA (0% down), USDA (0% in eligible 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, The Smith Mortgage Group offers 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. The Smith Mortgage Group offers 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 complete budget certainty.
Start Today

Your Dream Home Is One
Conversation Away

No obligation. No hard credit pull. Just expert guidance from The Smith Mortgage Group — a team that puts your goals first, every time.

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 — The Smith Mortgage Group is licensed and ready to help wherever you're buying, refinancing, or investing.

50
States Licensed250+ Local Markets
250+
Metro Service Areas5 Cities per State
Get In Touch

Let's Talk About Your Mortgage Goals

Whether you're ready to apply or just exploring options, The Smith Mortgage Group responds within 2 business hours. Reach Sterling Smith directly — no call centers, no runaround.

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

No hard credit pull. No obligation. Just answers from Sterling Smith and the team.

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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