Onyx Mortgage Group is a client-focused mortgage firm committed to delivering comprehensive financing solutions tailored to each customer’s unique needs. The company’s mission is to provide exceptional mortgage guidance and optimal financing options from the moment a client secures their original loan through the day it is fully paid off.

The firm is led by Jerrold Smith, Broker Owner of Onyx Mortgage Group, whose career in real estate and mortgage lending spans more than three decades. Jerrold obtained his real estate license in 1988 and became a licensed real estate broker in 1993. In 1995, he founded JLS Realty, a firm that has proudly served clients for over 30 years.

Seeking a deeper role in the real estate transaction process, Jerrold expanded into mortgage lending by opening his first mortgage brokerage in 1998. In the fourth quarter of 2019, he launched Onyx Mortgage Group, just prior to the onset of the COVID-19 pandemic. Amid rapidly changing market conditions, Jerrold successfully adapted the company’s business model, implementing innovative strategies and modernized processes that allowed Onyx Mortgage Group to thrive in a new lending environment.

Onyx Mortgage Group offers a full spectrum of loan products, including FHA, VA, Conventional, Non-QM, Bank Statement, and DSCR loans, serving homebuyers, investors, and the self-employed. In addition to competitive rates and favorable terms, the firm is known for its speed, professionalism, and superior customer service.

Currently licensed in multiple states, including Tennessee, Georgia, and Alabama, Onyx Mortgage Group continues to expand its reach while maintaining a personalized, education-driven approach. One of the company’s distinguishing features is its commitment to borrower education. Through its exclusive Project Payoff program, Onyx Mortgage provides clients with a complimentary guide that demonstrates how strategic, well-timed extra principal payments can significantly reduce mortgage terms and accelerate homeownership.

The success of Onyx Mortgage Group is driven by a team of high-achieving professionals who share a commitment to excellence. Each team member is dedicated to aligning clients with financing solutions that support both their immediate goals and long-term financial well-being.

Onyx Mortgage Group invites clients to experience a higher standard of service—one that delivers results, clarity, and confidence. Let us wow you with our service. OMG!