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.

41 loan officers, 7 branches

Talk to a local expert who knows your market.

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

Knoxville Nashville Sevierville Dayton Kentucky Georgia Florida