Tennessee · Kentucky · Georgia · Florida

Your home loan,
built around you

As a correspondent lender, we fund loans with our own money — giving you access to more programs, better rates, and a faster close.

Get pre-approved today Explore loan programs

5.0 Google rating
Licensed in TN, KY, GA & FL
Fast pre-approvals
10,000+ loans closed

Get a free consultation

A licensed loan officer will reach out within 1 business day.

No spam. No obligations. Just a conversation.

5.0★

Google rating

15+

Years in business

10k+

Loans closed

30+

Loan programs

Find a Local Expert

Search for a loan officer or a branch.

Michael Shadowens and Brannon Taylor in the Knoxville FCLS office

Correspondent lender

We fund your loan with our own capital.

That means faster decisions and access to loan programs banks and brokers can't always offer — including Non-QM, DSCR, ITIN, Bank Statement, and new construction financing.

15 years, one region

Built for Tennessee, Kentucky, Georgia & Florida homebuyers.

Since 2011, our 45 loan officers have closed loans for families across Knoxville, Nashville, Sevierville, Dayton, and Florida — with the local knowledge to match.

Loans we offer

The right loan program for where you're starting from.

From your first home to your fifth investment property, we have a program built for it.

Conventional Loans

Competitive rates for buyers with solid credit and a standard down payment.

Learn more → Low down payment

FHA Loans

Flexible terms and lower credit requirements — a strong fit for first-time buyers.

Learn more → Veterans & military

VA Loans

Zero-down financing for veterans, service members, and eligible spouses.

Learn more → Rural & suburban

USDA Loans

No down payment financing for eligible properties outside major metro areas.

Learn more → Correspondent exclusive

Non-QM Loans

Alternative qualification for self-employed borrowers and unique income situations.

Learn more → Investors

DSCR Loans

Qualify using property cash flow instead of personal income — built for investors.

Learn more → Self-employed

Bank Statement Loans

Use bank statements instead of tax returns to show your true earning power.

Learn more → Lower your rate

Mortgage Refinancing

Lower your rate, shorten your term, or tap into your home's equity.

Learn more →

View all loan programs

How we get it done

Four steps from application to keys in hand.

Complete your application on your own schedule. Your loan officer handles the rest.

STEP 1

Tell us about you

Submit your application online and upload documentation securely — no paperwork required.

STEP 2

Choose your program

Your loan officer walks you through the rate and program that fits your situation best.

STEP 3

Get approved

We review your loan, order the appraisal, and verify details — funded with our own capital.

STEP 4

Close your loan

Sign your final documents and get your keys. You'll stay a part of the FCLS family after close.

Get Started

Where we lend

Local expertise across seven service areas.

Knoxville

Headquartered in Knoxville since 2011, First Choice Lending Services funds conventional, FHA, VA, USDA & Non-QM loans for home purchases and refinances across East Tennessee.

Nashville

Centrally located in Nashville, our loan officers focus on home purchase and refinance loans for buyers throughout Davidson, Williamson, Rutherford and the surrounding counties.

Sevierville

Our newest branch, in the heart of Sevierville, specializes in home loans for first-time buyers, second homes and investment properties across Sevier County and the Smokies.

Dayton

Led by branch manager Steve Logan, our Dayton office brings big-lender loan programs and small-town service to Rhea County and Spring City homebuyers.

Kentucky

As a state-licensed Kentucky lender, First Choice Lending Services offers correspondent-lender purchase and refinance programs to homebuyers statewide.

Georgia

Homebuyers across Georgia can turn to First Choice Lending Services for state-licensed purchase, refinance and first-time homebuyer loan programs.

Florida

First Choice Lending Services is a state-licensed mortgage lender serving Florida homebuyers with purchase loans, refinancing, first-time homebuyer programs, investment property financing, and more statewide.

40 loan officers, 7 branches

Talk to a local expert who knows your market.

Browse our full directory by branch — Knoxville, Nashville, Sevierville, Dayton, Kentucky, Georgia, and Florida — and connect directly with a loan officer.

Knoxville Nashville Sevierville Dayton Kentucky Georgia Florida

Find a Local Expert

★★★★★

1,000+ reviews. 5.0 average.

25+ new five-star reviews every month from Tennessee, Kentucky, Georgia, and Florida homebuyers.

      EXCELLENT  
   Based on 1024 reviews 
    
 
 
 
   
 
 
       Posted on Google  
   
   Sierra Lisenbee  
 
 
 
 Trustindex verifies that the original source of the review is Google. Allen was a huge help with any questions I had and really helped me through this process! I recommend him and First Choice to anyone looking for a home
  
 
      Posted on Google  
   
   Laura Cloughley  
 
 
 
 Trustindex verifies that the original source of the review is Google. Luca was outstanding. He was communicative,  on top of requests and always available. This process is so stressful when purchasing a home and Luca helped ease the process immensely. Thank you Luca!
  
 
      Posted on Google  
   
   Ah Kugler  
 
 
 
 Trustindex verifies that the original source of the review is Google. I am a 62-year-old single woman who has never had to navigate a path like this before, and Stephen Pippin has been a truly amazing guide throughout the process. First and foremost, Stephen is a true gentleman. His professionalism, patience, and candor are so refreshing and welcoming in today’s world of “hurry up and just Google the answers yourself.” He took the time to patiently walk me through each step and made sure I truly understood every part of the loan process. That level of personal attention and genuine care made what could have been an overwhelming experience feel much more manageable. Thank you, Stephen Pippin, for your patience, professionalism, and for taking the time to make sure I understood the process. I am truly grateful for your guidance and would highly recommend you to anyone looking for someone they can trust. AHKugler
  
 
      Posted on Google  
   
   Jason Owen  
 
 
 
 Trustindex verifies that the original source of the review is Google. Kate was absolutely amazing to work with!
  
 
      Posted on Google  
   
   Polly Burrows  
 
 
 
 Trustindex verifies that the original source of the review is Google. Lyndsey Logan was fabulous to work with. She made the whole loan process run smoothly and quickly!
  
 
      Posted on Google  
   
   Kalvin Lentz  
 
 
 
 Trustindex verifies that the original source of the review is Google. First Choice Lending is top notch. Their name says it all. I recently worked with Robert for a home purchase in Eastern Tennesee. We were working with a very difficult seller that made us all want to pull our hair out.  He kept myself, as the client, and my interests at the top of his priority list. He didnt order any extra, unnecessary, inspections at my expense even though there was a slight chance we could have needed them. He took it one step at a time and did a very thorough job without wasiting my time or money. He kept me informed of where we were along every step of the process. Robert and the team at first choice lending were able to bring it to closing in perfect timing and I cant recomend them enough!
  
 
      Posted on Google  
   
   Jeff Brigstock  
 
 
 
 Trustindex verifies that the original source of the review is Google. Kate Sivy did an excellent job finding the best mortgage for my family's new home. Being small business owners, there was a significant amount of documentation that had to be provided. Kate never gave up when the process dragged on. We felt that we had an advocate through the entire process. We would definitely recommend Kate and First Choice Lending Services!!
  
 
      Posted on Google  
   
   Amanda Holland  
 
 
 
 Trustindex verifies that the original source of the review is Google. We worked with Kate Sivy to get our home. She is amazing! So helpful and on top of things. We had no clue we were even in a position to buy, but she held our hand and walked us through the whole process and we close tomorrow!!!
  
 
      Posted on Google  
   
   Kyle Kaiser  
 
 
 
 Trustindex verifies that the original source of the review is Google. Brannon and Robert did a great job helping us through the mortgage process. They were easy to get in touch with, answered our questions whenever they came up, and kept us informed throughout the process. We really appreciated the time and effort they put into helping everything come together and getting us to closing. I’d definitely recommend Brannon, Robert, and their team to anyone buying a home.
  
 
      Posted on Google  
   
   Diane Darcy Bonsall  
 
 
 
 Trustindex verifies that the original source of the review is Google. David was TERRIFIC. He kept me posted on progress and options, while also coaching my daughter, who is a first-time buyer. Through his persistence, we closed on time with a better rate than I hoped. Highly recommend.
  
 
  
  
 
     Verified by Trustindex  Trustindex verified badge is the Universal Symbol of Trust. Only the greatest companies can get the verified badge who has a review score above 4.5, based on customer reviews over the past 12 months. Read more