Every path to a home, covered.
As a correspondent lender, we underwrite in-house — giving you access to more programs and more flexibility than a typical bank.
Bank Statement Loans
Use bank statements instead of tax returns to show your true earning power — built for self-employed borrowers.
Learn more → Buy a HomeConventional Loans
Competitive financing for buyers with solid credit and a standard down payment — no government backing required.
Learn more → Down Payment & Closing Cost HelpDown Payment Assistance Programs
Grant and second-lien programs that pair with your primary loan to reduce the cash you need at closing.
Learn more → InvestorsDSCR Loans
Qualify using your property's rental income instead of personal income — built for real estate investors.
Learn more → Buy a HomeFHA Loans
A flexible loan alternative to conventional financing — built for buyers who want lower credit requirements and a smaller down payment.
Learn more → New to HomeownershipFirst-Time Homebuyer Programs
Programs and guidance built specifically for first-time buyers — lower down payments, flexible credit, and support at every step.
Learn more → Build Your PortfolioInvestment Property Financing
Financing built for rental properties and short-term rentals — including options that don't require personal income documentation.
Learn more → High-Balance Home FinancingJumbo Loans
Financing for homes priced above conforming loan limits — competitive rates and flexible qualification for well-qualified buyers.
Learn more → Already a HomeownerMortgage Refinancing
Lower your rate, shorten your term, or tap into your home's equity — see if refinancing makes sense for you.
Learn more → Self-Employed & InvestorsNon-QM Loans
Alternative qualification for self-employed borrowers, investors, and unique income situations — when conventional guidelines don't fit.
Learn more → Built for Business OwnersSelf-Employed Home Loans
Real qualification paths for self-employed borrowers whose tax returns don't tell the full story of their income.
Learn more → Rural & SuburbanUSDA Loans
No down payment financing for eligible properties outside major metro areas — backed by the U.S. Department of Agriculture.
Learn more → Veterans & MilitaryVA Loans
Zero-down financing for veterans, active-duty service members, and eligible spouses — backed by the U.S. Department of Veterans Affairs.
Learn more →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.
When 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.