PROVIDING LOANS IN NORTH CAROLINA AND TEXAS. Smoky Mountain Mortgage, LLC is an Independent Mortgage Broker Shop offering loan products through Wholesale Lenders. We have been originating loans since 2006. All loans are processed within our offices with much care and dedication to detail. MORTGAGE LOAD PRODUCTS: Conventional Loans with as low as 3% Down Payment options Conventional Refinance & Cash Out Options FHA Loans with a low 3.5% Down Payment VA Loans up to 100% Financing USDA Loans up to 100% Financing JUMBOS Non-Qualified Mortgages 12-Month Bank Statements ATR IN-Full Loans Investor Cash Flow P&L Programs Non-Traditional Jumbos up to 4 million Dollars.