Conventional Loans
Competitive financing for buyers with solid credit and a standard down payment — no government backing required.
Talk to a Local ExpertWhy buyers choose Conventional Loans.
Competitive rates
Often the most competitive interest rates available for borrowers with strong credit.
Flexible down payment options
Put down as little as 3% for qualified first-time buyers, or 20%+ to avoid mortgage insurance.
No PMI with 20% down
Skip monthly mortgage insurance entirely once your down payment reaches 20%.
Works for any property type
One program flexible enough to cover a primary residence, second home, or rental property.
Ready to see if Conventional is your fastest path to closing?
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 credit requirements or down payment options? 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 Conventional 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 Conventional 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
