FHA Loans
A flexible loan alternative to conventional financing — built for buyers who want lower credit requirements and a smaller down payment.
Talk to a Local ExpertWhy buyers choose FHA Loans.
Favorable loan terms
More lenient terms on interest rate, down payment, and closing costs than conventional loans.
Low down payment
Qualify with a smaller down payment — and up to 100% of funds can come from a gift.
Flexible closing costs
Sellers are permitted to contribute toward your closing costs, easing upfront cash needs.
Accepts lower credit scores
Less restrictive requirements than conventional loans, making it easier to qualify.
Ready to get pre-approved? Here's how.
Getting pre-approved with FCLS is quick, and a pre-approval shows sellers you're serious about buying. Watch a short walkthrough of the steps, or connect directly with a local expert.
Talk to a Local Expert
We're here to help. Anytime.
Have questions about FHA eligibility or the application process? Get neighborly, straight answers.
Better equipped to help you qualify.
By funding loans with our own capital, we go beyond traditional options to find the FHA program that actually fits your situation.
More than just loans.
We reinvest locally across Knoxville, Nashville, Sevierville, Dayton, and now Florida — because we're part of the same communities we lend in.
Not sure FHA Loans is the right fit?
Four steps from application to keys in hand.
Complete your application on your own schedule. Your loan officer handles the rest.
Tell us about you
Submit your application online and upload documentation securely — no paperwork required.
Choose your program
Your loan officer walks you through the rate and program that fits your situation best.
Get approved
We review your loan, order the appraisal, and verify details — funded with our own capital.
Close your loan
Sign your final documents and get your keys. You'll stay a part of the FCLS family after close.
Learn more with articles from our blog.
The 3 Economic Indicators We Watch Every Week (And Why They Matter to Mortgage Rates)
6 Signs You’re Ready to Buy a Home (Not Just Financially)
What Do Mortgage Lenders Look At? 5 Things to Get in Order Before You Apply
