The lending partner behind more offers that actually close.
As a correspondent lender, we fund loans with our own capital — which means faster decisions, fewer surprises in underwriting, and a partner who calls you back the same day.
1,000+ reviews and counting from clients across TN, KY, GA & FL.
Since 2011 — we know these markets because we live in them.
Including Non-QM, DSCR, ITIN, and Bank Statement options most banks can't offer.
Fast pre-approvals
Because we fund with our own capital, decisions don't wait on a committee three states away.
Real answers, same day
Your loan officer is a direct line — not a call center queue. You'll hear back the same business day.
Deals other lenders pass on
Self-employed buyers, investors, and unique income situations have real options here — Non-QM, DSCR, Bank Statement, and ITIN loans.
Why the funding model actually matters for your closings.
Traditional Bank / Broker
- Underwriting sits with a separate institution
- Rate and program flexibility limited to what's approved centrally
- Slower turnaround on exceptions or unique files
- You're often routed through a general call queue
First Choice Lending Services
- We fund loans with our own capital — decisions happen faster
- Access to Non-QM, DSCR, ITIN, and Bank Statement programs
- Local loan officers who know your market and your clients
- Direct line to the person handling your client's file
What partnering with FCLS actually looks like.
Questions agents ask us most.
A correspondent lender funds the loan with its own capital at closing rather than brokering it out to a separate bank. That means underwriting decisions happen in-house, so approvals and exceptions move faster than a typical broker model.
Yes — that's one of the biggest advantages of working with us. Between Non-QM, DSCR, Bank Statement, and ITIN programs, we regularly find a fit for self-employed buyers, investors, and clients with non-traditional income.
Most pre-approvals move quickly since decisions are made in-house rather than routed to a separate underwriting institution. Your assigned loan officer can give you an exact timeline for your client's specific situation.
We're licensed in Tennessee, Kentucky, Georgia, and Florida, with branches in Knoxville, Nashville, Dayton, and Louisville. Find your local loan officer through our directory, or reach out and we'll connect you directly.
Fill out the partner form below, or connect directly with a loan officer through our Find a Local Expert directory. We'll follow up with you and your client promptly.
Let's start working together.
Tell us a bit about your business and a member of our team will follow up.
