VA Loans
Zero-down financing for veterans, active-duty service members, and eligible spouses — backed by the U.S. Department of Veterans Affairs.
Talk to a Local ExpertWhy buyers choose VA Loans.
No down payment required
Qualified veterans can finance 100% of the purchase price — no down payment needed.
No private mortgage insurance
VA loans don't require monthly PMI, even with zero down.
Competitive interest rates
VA-backed loans often carry lower rates than comparable conventional financing.
A reusable benefit
Your VA entitlement can be used again for future home purchases, not just once.
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. As a VA lender, we can help obtain your Certificate of Eligibility as part of the process.
Talk to a Local Expert
We're here to help. Anytime.
Have questions about VA eligibility or your Certificate of Eligibility? 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 VA 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 VA 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
