“No Coffee Needed, Let’s Just Close!”


Borrower Not Getting Approved?

Do you ever have a home buyer that seems qualified for a mortgage loan but there is a specific hiccup that is preventing them from getting approved?

Join Coffee Talk


The stuff we’d talk about over coffee if we all had time for coffee!

If you closed 6 or 12 or even 20 more transactions a year, would that be helpful to your business and lifestyle?

Give us 45 seconds each week and we’ll show you how to help more families get into homes with programs you may not know exist!

Do you want more education?

Our #1 goal is to help you get to the closing table more often while working the same number of leads. Sign up for our topic series to take your business to the next level.

Who We Are

Hi! We are Shelby Pennix and Greg Spencer, the owners of Southern Capital Mortgage Group (SCMG). Our mission is to provide quick, reliable answers for your unique mortgage situations.

We are mortgage brokers and bankers.

We work with over 20 of the top mortgage lenders in the country.

We have experience, are great communicators and have a proactive loan processing approach.


We are Southern Capital Mortgage Group.

No scenario is too off the wall or bizarre - so ask away!

All you have to do is email us at greg@scmgonline.com with the details of your client’s situation.

Who We Help

We value any and all clients you place in our hands. Give us a shot and you will see the way lending should be done when you have the right team!

We work best with restaurant servers, 1099 employees, jumbo loans, depleted savings, not your average loans, foreign nationals, non permanent residents, investor loans (loans by the dozen) and many more.