A local lender, built for local families.
We're a correspondent lender based right here in Tennessee — funding loans with our own capital and giving our clients a local team from application to closing.
We fund your loan with our own capital.
Because we underwrite in-house instead of brokering out to a separate bank, our decisions happen faster and we can offer programs — including Non-QM, DSCR, ITIN, and Bank Statement loans — that many traditional lenders can't.
Built for Tennessee, Kentucky, Georgia & Florida homebuyers.
We've grown from a single office to 7 branches and 41 loan officers, but the goal hasn't changed: give every family a local team that actually knows their market.
1,000+ reviews and counting from clients across TN, KY, GA & FL.
Real offices staffed by loan officers who live in the communities they serve.
A dedicated point of contact for every client, from application to closing.
Why families choose FCLS.
Local, not corporate
Every branch is staffed by loan officers who live and work in the communities they serve — not a call center.
Fast, in-house decisions
As a correspondent lender, we underwrite our own loans — no waiting on a separate institution to sign off.
A program for real life
From first-time buyers to self-employed borrowers and investors, we have real options for situations traditional banks turn away.
1,000+ reviews. 5.0 average.
25+ new five-star reviews every month from Tennessee, Kentucky, Georgia, and Florida homebuyers.
Read our reviewsWhen you're ready to buy.
Apply online
A local loan officer will review your information and give you an estimate of what you could spend on a home — without affecting your credit.
Get expert help
Ask about first-time homebuyer programs, down payment assistance, and other options you may not know you qualify for.
Find your home
Your local team stays with you at every step — answering questions and helping you land the right loan for your situation.
