Meet Our Mortgage Experts in Knoxville, Tennessee

Apply with Ashley

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NMLS # 1914392
Cell:  423-271-1096
Office: 423-301-6399
Email: aferguson@fcls.com

Buying a home is a huge milestone in people’s lives and I love being a part of that accomplishment. My desire to help people led me to a career in mortgage lending. I worked in a small finance company for seven years, including time as a branch manager, before taking my lending experience to the next level. I joined the mortgage world in February 2022 as a production assistant, but quickly moved into a loan officer assistant role. In September 2022, I began originating my own loans as a loan officer.

As a licensed mortgage loan originator, I aim to deliver great customer service each time a borrower seeks my advice about their home loan options. They never have to wonder how their loans are progressing through the process because I keep them updated from start to finish. From preapproval to the closing table, I’m by their side, leading them through all of the steps. As a customer-focused lender, I also value the role education plays in helping borrowers feel confident about their choice in a mortgage program.

When I’m not helping clients finance the homes of their dreams, I enjoy swimming, kayaking, thrifting and spending time with family and friends.

I look forward to assisting you with your current or future mortgage loan needs. I hope to hear from you soon.

Reviews:

Ashely was a pleasure working worth! She made the whole process so easy! She always had the answers as long with an explanation! You can definitely tell she is committed she worked very hard from start to finish. Walked us through the whole process and couldn’t have made buying a house for the first time any easier! Simply the BEST. I highly recommend her!

First Choice Lending put me through the easiest home-buying experience I’ve ever had. They are very experienced, and are dedicated to making sure you get the home that you want without a doubt. Cannot wait to work with them again in the future! Thank you Michael, Josh, and Ashley for all of your hard work!

Josh, Michael and Ashley made my dreams come true by working so hard to get my first House so thank you to the team for all your hard work and patience with us!

I had the pleasure of working with Ashely. She was so patient specially Coming from another state. It’s funny because I found her onto tik tok. She seemed so relatable. Answered any questions I had any time. Always quick with responses. I definitely would recommend her any time!!

Ashley Ferguson made our home buying experience so easy! She worked so hard from pre-approval to closing. So thankful for her knowledge and her commitment to getting our loan completed in less than 45 days and for walking us through every single part of the process.

We worked with Ashley Ferguson during our home buying process! She was simply the BEST. She worked so hard up until the second we signed the papers to make sure everything went smoothly for us, she was so easy to work with, and it was evident that she cared about helping us close on our home. She has excellent communication skills. We were able to reach out to her at any time that we had a question and she made sure to explain any terms we may not understand. We have already recommended her to multiple friends and will continue to recommend her to anyone looking to buy!

Ashley Ferguson is THE BEST! She is so knowledgeable, friendly, and dedicated to her clients! She was persistent and determined to help me & my kids close our new home! Thank you Ashley! ?

We worked with Ashley Ferguson during our home buying process! She was simply the BEST. She worked so hard up until the second we signed the papers to make sure everything went smoothly for us, she was so easy to work with, and it was evident that she cared about helping us close on our home. She has excellent communication skills. We were able to reach out to her at any time that we had a question and she made sure to explain any terms we may not understand. We have already recommended her to multiple friends and will continue to recommend her to anyone looking to buy!

Ashley Ferguson made our home buying experience so easy! She worked so hard from pre-approval to closing. So thankful for her knowledge and her commitment to getting our loan completed in less than 45 days and for walking us through every single part of the process.

Ashley made the home buying experience much more enjoyable than I could have imagined! She walked us threw the entire process as 1st time home buyers! I would 110% recommend her to anybody who needs help or needs to be told what to do to get into a home!

YALL… Ashley Ferguson is the REAL MVP. I called her in tears because I was so frustrated with previous lenders. She made the process so easy and she was very communicative. Cannot thank her enough.

Ashley Ferguson was absolutely fantastic to work with!! We closed on our home in 21 days! As first time home buyers, we were very overwhelmed at first. We had a lot of questions and Ashley was so helpful in making us understand the process and kept us updated throughout. She was on top of everything during the entire process! We are so thankful that we chose to work with her! I cannot recommend her enough! Thank you Ashley!! ❤️

Ashley Ferguson made this experience easy and worth it! I was not sure if I would ever be at the place to but a home BUT Ashley helped assure me that it was possible and walked me through each step of what to do! I am proud to say, that because of her support and knowledge, I now own my own home for my kids and I! THANK YOU ? -Winter

Ashley Ferguson was the best to work with on getting approved for our forever home! It was a pleasure getting to work with you. So glad I chose her to help us. -Ashley

Ashley Ferguson was great and stayed in communication throughout the entire process. We couldn't have done this without her. -Amber

Direct: 865-392-4138
Email: alockridge@fcls.com

Clients of First Choice Lending are scattered throughout the states of Tennessee and Kentucky, more heavily concentrated in Nashville and Knoxville, the sites of the company headquarters. Ashley wanted to help the people in her community by using her knowledge and experience with the mortgage industry in the service of First Choice Lending.

Since the company first opened its doors, it has attracted a great number of highly experienced individuals, including men and women from many different sectors of the finance industry and beyond. The unifying factor for all of these employees is their ability and desire to help first-time home buyers to decide upon a home and navigate the process of making a purchase.

Apply with Benjamin

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Cell: 865-312-0119
NMLS: 2592030
Email: blang@fcls.com

Benjamin Lang is the newest addition to the First Choice Team. His previous 15 years of management experience provides him with exceptional interpersonal communication skills and dynamic problem-solving ability. Having family in the industry and having experience buying and selling both residential and commercial properties, he is able to truly empathize with all parties in a real estate transaction. Ben is truly a community builder who is tirelessly committed to helping people navigate the home buying process with integrity, professionalism, and transparency.

A family man and avid outdoorsman, Ben can be regularly found exploring the trails and waterways of East Tennessee with his wife and daughter.

Reviews:

Ben - First Choice Lending Services helped one of my client's purchase a home and they were great to work with. They stayed on top of things and were even able to help my client close 2 days earlier. They did a great job!

Ben Lang was great to work with! Communication was excellent, closing went very smooth….will definitely be doing business together in the future!

Ben Lang was amazing to work with. He made the buying process smooth for us. Ben was very responsive and upbeat. He was quick to address any questions, concerns or problems that came up. we could not have had a better experience purchasing our first home. Thank you Ben.

Working with Scott and Benjamin was so easy and convenient and would work in your best interest.

Apply with Brannon

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Direct: 865-392-4142
Cell: 865-386-2654
NMLS: 36380
Email: btaylor@fcls.com

Brannon is a Senior Loan Officer and has been with us for 16 years. After graduating Carson-Newman University in 2002 with a Business Finance degree, he knew that he wanted to be in the Mortgage industry to help people through the process of getting a home loan. Utilizing his financial planning education combined with his diligent approach in ensuring he matches applicants with the right product and terms for their specific situation, his customers enjoy the peace of mind in knowing that they have selected a loan that fits their needs.

Brannon has been married to Brooke since 2004 and has three children Reece, Rylee, and Will. He enjoys spending time with his family as well as playing golf and watching football games

Reviews:

I worked with Brannon and Robert and they were both fantastic! They reached out to me at every step and made sure all of questions were answered. I highly recommend using First Choice Lending as the level of care and communication can’t be matched by nationwide lenders.

Brannon Taylor had great communication and closed our loan in 20 days! Highly recommended for all mortgage needs!

I can’t say enough about First Choice!! To say the least, they are AMAZING! Not only are they great at what they do, but they are also super nice people. I worked with Brannon and Robert to close on my new home. Their expertise made my rather unique situation very easy and I was always kept up to date. I would have an update from them without having to follow up with them first. As stressful as buying a house is, they made the process go as smoothly as possible. Highly recommend First Choice Lending!

We wanted to take a moment to express our sincerest gratitude for Brannon Taylor at First Choice Lending Services for his exceptional work in helping us close on our new home in such a short timeframe. His dedication, expertise, and prompt action truly made a difference!  Brannon guided us through the mortgage process with utmost professionalism and efficiency. His knowledge and thoroughness ensured that everything was in order, allowing for a smooth and seamless closing.  We are truly grateful for his prompt responses, picking up those late/early phone calls, to our inquiries, and his commitment to providing the best possible service. During the signing, all parties were truly impressed by his team's work and being able to close on our desired date. Brannon and First Choice was definitely the right choice!  Thanks to your hard work Brannon, we are now proud homeowners, a dream turned into reality in record time!

Brannon Taylor is awesome!! He helped my husband and I qualify for way more than we had ever been before. He was very helpful and informative with all of our questions, as we were first time homebuyers. I highly recommend him! -Shaelyn

Brannon is so patient and understanding, he controls and manages his properties higher than you could expect. Brannon is truly a blessing to me and my kids. -Quiyana

I had a lender previous to working with first choice lending. When i switched to first choice lending my home buying process went smooth as butter. Brannon made everything easy and worked hard! 10/10 would recommend Brannon at first choice lending! -Lyndsey

Exceptional! From our first conversation until the closing on our new home, Brannon Taylor was always professional, knowledgeable, prompt, and super friendly. He made the process of purchasing a new home stress-free and even enjoyable. Thank you so much for everything! I highly recommend Brannon if you are in the market for a new home loan! -Crissy

Brannon Taylor did an excellent job helping me with my loan process. He was extremely polite and professional and walked me step by step throughout the whole process. Thank you sir! -Tanner

Brannon did a great job helping me get preapproved for a mortgage. Easy to work with. Very responsive. Did most through email and texting, perfect for me! -John

Brannon Taylor with First Choice Lending Services is one of the best lender contacts I have the pleasure of working with. Working in the title industry, one comes across many different lenders and I have to say, I'm happy to see both his name and the name of First Choice Lending Services when I have a new refinance or purchase closing file. I would highly recommend this company to any buyer or borrower, as they are able to match a loan to their client, no matter who that client is or what their unique circumstance is! -Beth

Brannon is awesome! As a Realtor, you couldn't ask to work with a better lender. Very responsive and always available to myself or our client. Thanks again, Brannon Taylor for what you do! -James

1st time home buyer and Brannon helped me through the entire process. Highly recommended! -Jimmy

Brannon Taylor was our agent for a recent purchase of a new home. We have worked with a fair number of finance agents over the years and without a doubt Brannon is the most on top of the processes, documents, and communication of all them. He kept us extremely well informed and provided guidance on what we needed to do. When we buy again, he will be our first contact! -Brett

First Choice Lending Services recently did the refinancing of our home and I was extremely satisfied. Brannon was very helpful throughout the process and I would highly recommend First Choice and Brannon. -Trevor

Brannon Taylor has been awesome and has answered all our questions. He has been in the fight with us since the beginning and has done a fantastic job. -Timothy

If you are anything like me, you do not know anything about all of the complexities of mortgage loans. If you want someone who takes his time to help you understand every step or when you have a million questions after hours and he actually responds to your email quick. -Shelli

Brannon Taylor was exceptionally helpful in getting our loan, but also in helping us through the process. Always had or got answers to our questions, day or night. (The dude works loooong hours!) Ultimately he got us an even better loan than I thought we could qualify for. He clearly goes all-out for his clients and earned customers for life. -Justin

Brannon Taylor did a wonderful job with my refinance. Saved me a TON of money going from a 30 yr note to a 15 yr note and put some cash in my pocket immediately. Can’t ask for more than that!!! Would definitely recommend him to anyone. -Rob

Very helpful and have closed multiple loans and have been fantastic always. I have recommended Brannon Taylor to multiple people and they have all had a fabulous experience. -Ashley

Brannon was awesome through this whole process. He walked me right through it, went above and beyond. Even helped me over memorial day weekend when he wasn't at work. Would recommend highly 10/10. -Michael

Brannon Taylor was so helpful during my process. I was a first time buyer and he made sure to answer all of my questions very thoroughly and helped me understand everything in the easiest way possible. I would recommend him to any and everyone I know who is in need of a lender! -Tristyn

Brannon is an amazing lender to work with. He is not just Mon through 8-5 like most lenders. He is great to answer yours calls/texts, call back and explain information. Hands down the best local lender to work with!!! -Gail

Five stars !!!!!
Buying a house can be a stressful time, especially when it comes to the financial aspects of the process. Brannon Taylor made the experience a positive one. He was most efficient, and quickly processed my pre-qualification. No doubt I would employ his services in the future, and I highly recommend him to anyone who is in the market for a new home. -Missy

Could not possibly give a higher recommendation for Brannon Taylor. He went above and beyond, always answered quickly, and made things so easy. Even after I was forced to switch lenders to keep my new build house, he still went out of his way to get me documents and appraisal changes that I needed to close on my home even though he wasn't benefiting from it at all! I hated not being able to stay with him, but if you are looking for a honest, hard working lender, Brannon is your guy! -Dana

Brannon is awesome. He did everything possible for us to get our house he went over and beyond. We are so thankful for his work I have probably called him 100 plus times thru this whole process it was my first time buying a house so he was very understanding and great with everything. We have lived here will be 2 years in November he is the only person I would honestly trust and go to to buy a house. We appreciate everything that you have done for us thank you so much :). -Caitlyn

Brannon was recommended to me by my realtor. He was always easy to reach for any questions I had, and was very thorough and quick with the whole process. I was a first time home buyer and he explained everything in a way that made sense. I had a frustrating experience with a previous lender, and Brannon came and saved the day. Forever thankful and I will recommend him to everyone I know! -Camille

Brannon was awesome! Throughout the whole process he communicated with us and explained all of our lending options perfectly! I highly recommend Brannon! -Sölve

I highly recommend Brannon Taylor to anyone searching for a professional Lender.
He is knowledgeable, courteous, responds very quickly to inquiries, and tailored my loan to fit my situation perfectly. I also needed a quick closing, and he made it happen! -Mefd

Without Brannon, I would not be a homeowner today. I was a first time buyer with no clue on how the process worked. Brannon walked me through the lending process step by step explaining every little detail including how I could improve my credit score and financial situation prior to applying. He then went out of his way during my home search and negotiations to point out tips and recommendations. Too bad he couldn't have been my realtor as well!
I highly recommend Brannon. If you're looking for a mortgage, call him today!!! - Dylan

Brannon accomplished all of my lending needs smoothly and without delay. He walked me through all of the steps necessary to complete my application and followed through to closing without missing a beat! He answered all my questions and recommended the best ways to proceed to avoid delay with my lender and everything worked out great! -Josh

Brannon Taylor was a excellent loan officer, He was always there when I need help and had questions. I beleive he went above and beyond what he needed to do to get me my loan. Very knowledgeable. I would HIGHLY recommend him and in fact have told friends and family members. -John

He'll work his butt off for you and give you a great deal. Can give you any type of loan you need even FHA and that is not common in Knoxville, TN. -Chad

Brannon Taylor is not only knowledgeable but very personable and easy to work with. I highly recommend Brannon whether you are buying you first home or refinancing your current home he knows what he is doing and will do it right. -Kerri

Brannon Taylor was so helpful and expedite with our home refinance! Smooth process from beginning to end. We were thrilled with the loan we got! Highly recommend! -Amy

Brannon Taylor far exceeded our expectations throughout the entire process. His attention to detail made the home buying process very easy. I would highly recommend him for any home buyer! -Lane

I worked with Brannon on the purchase of my home and he was phenomenal. Went out of his way many many times to make everything as easy as it could be for me. I will never use anyone else other than first choice and I recommend them to all! -Jacqueline

Brannon Taylor and First Choice Lending have made my Refinancing and Purchasing of 2 home's, beyond stress free . They keep you in The know , and don't leave you wondering how the process is moving forward. Thank you for the Amazing Customer Service. -Edward

Great experience working with Brannon. He was always available for any questions I had and helped me understand the process from start to finish. -Jacob

Working with Brannon has been a breeze. Zero complaints on my second mortgage with FCLS! -Josh

Big thanks to Brannon Taylor and his team at First Choice for helping us purchase our new home. He went above and beyond to make sure things went smoothly. If you are looking to buy, give him a call at 865-392-4142. -Nick

It has been a pleasure working with Brannon Taylor. We are first time buyers and he made the process very easy and was always happy to answer any questions. I would highly recommend him to everyone. -Lindsey

Would we recommended First Choice Lending? Absolutely and without hesitation! We were well pleased with every aspect of our experience with them. Amanda and Brannon worked seamlessly from start to finish, taking meticulous care of us. Each and every member of their team with whom we had contact went above and beyond. They promptly returned calls/email/texts, followed up thoroughly on all details and expedited a process that usually takes much longer. In addition to the outstanding service we received, we found them to be friendly and super easy to relate to. Outstanding! -Angela

Brannon Taylor was great to work with. -Karen

Direct: 865-392-4139
Fax: 865-392-4179
Email: brutherford@fcls.com

Brenda Rutherford was born and raised in East Tennessee and began her mortgage banking career in Knoxville in the 1970’s. Brenda joined the team at First Choice Lending Services in July 2017 as a processor. She has 15 years experience closing and processing loans in Indiana and in Texas. Brenda strives to provide excellent, professional service to her valued clients. She is married with 3 children and 4 grandchildren and enjoys spending time with her husband exploring the Great Smokey Mountains.

Apply with Daniel

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Email: dwohl@fcls.com
Phone: 865-805-2262
NMLS: #2644770

Daniel Wohl embodies the authentic spirit of East Tennessee, with deep roots in the West Knoxville community he continues to call home. A proud graduate of Bearden High School, Daniel furthered his education at The University of Tennessee, strengthening his connection to the region that shaped him.

Throughout his diverse professional journey—spanning the service industry, home services, and real estate sectors—Daniel has consistently distinguished himself through his unwavering commitment to honest, compassionate communication. This fundamental approach has not only defined his career but has become the cornerstone of his success in building lasting relationships with clients and colleagues alike.

Today, Daniel's commitment to the West Knoxville community continues as he builds his life there with his wife, two children, and their loyal Australian Shepherd. His connection to the area extends beyond his professional life—when not serving clients, Daniel can often be found enjoying the region's natural beauty, whether he's perfecting his swing on local golf courses or making memories with his family on East Tennessee's scenic lakes.

His blend of local expertise, professional versatility, and genuine dedication to helping others makes Daniel not just a trusted professional, but a valued member of the West Knoxville community he's proud to serve.

Reviews:

Apply with Darius

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Direct: 865-392-4137
Office: 855-392-4141
Fax: 866-493-8659
NMLS 1623772
Email: dwrentz@fcls.com

First Choice Lending Services LLC has been highly successful since its creation and has enjoyed tremendous growth. This is mostly due to two things: the quality of the employees working at First Choice, and the company's business priorities.

Reviews:

Darius Wrentz is hands down the most AMAZING person to work with. My partner and I were buying our first home, and at times it was a very trying process but Darius never gave up on fighting for us! He was ready with an answer for every question we had. If your In the market for a home I HIGHLY recommend you ask for Darius! -Michelle

Let me just say if you want someone who knows his stuff, and actually cares about helping you out, ask for Darius Wrentz! This man was so amazing and helpful through our first home buying process! Very professional, communicates every step of the way and is very responsive!!! Thank you Darius for all of your hard work!! -Jeff

Darius did the best job, always kept in contact! He worked super hard to get my wife and I our dream home! 10/10 -Jon

Had Darius as my lender. Helped me very professionally and a nice guy. Would go through again. -Chuck

We weren’t even looking to buy, and within 29 days we became homeowners. We can’t say enough about the time, service & personal effort Darius put into getting us into our first home together. Even with the 3 hour time difference, he was available for us. We are truly thankful for all he did. -John

Darius keep me aware of everything that was going on and answered all the questions that I asked. Took a little longer than I had hoped for but everything worked out fine!! I would recommend First choice lending to my friends!! -Bill

We recently moved from New York to Tennessee. Darius Wrentz at First Choice Lending Services LLC (9821 Cogdill Rd #2, Knoxville, TN) made our first refinancing experience in this state very easy and painless. He kept us well informed throughout the process. He was readily available to address any questions or concerns that we had via email, text or phone. We will definitely work with Darius again for future home purchases and highly recommend his services to family and friends. Great job Darius! -Marek

Darius did a wonderful job and was very punctual and attentive in assisting with my home refinancing. Highly recommended. -Chris

Apply with David

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Email: dlunsford@fcls.com
Phone: 865-599-9793
NMLS# 2635490

Meet David Lunsford, a dedicated loan officer at First Choice Lending who brings exceptional customer service expertise and deep local knowledge to the mortgage industry. Born and raised in Knoxville, TN, David combines his understanding of the local market with his commitment to creating seamless lending experiences for both clients and realtors. As a local homeowner himself, he understands the profound importance of finding the perfect home for creating lifelong memories.

When David isn't helping clients achieve their homeownership dreams, you'll find him exploring the Great Smoky Mountains and Tellico Plains – hiking, fishing, and kayaking with his wife, family, and two Weimaraners. A passionate Tennessee Vols fan and culinary enthusiast, David brings the same dedication to his clients' financial needs as he does to all aspects of his life.

Reviews:

Apply with Dawn

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Cell: 203-668-1251
NMLS: 49005
Email: dwise@fcls.com

Meet Dawn, the newest addition to the First Choice Lending team! With over 20 years of experience in the mortgage industry, Dawn is an expert in educating buyers on all their mortgage options. As the owner of Process-Wise LLC, a third-party mortgage processing company, she ensures her clients have a smooth and seamless process. Dawn's passion for the industry shines when she quarterbacks transactions, making sure all parties are informed and doing their part. Originally from Connecticut, Dawn and her husband moved to Tennessee in 2020 with their daughter and two dogs, Cami and Beatrice. They now call the base of the Smoky Mountains home, where Dawn enjoys hiking, gardening, relaxing, and taking in the beautiful views in her spare time.

Reviews:

We worked with Dawn. She was awesome to work with. Any questions or concerns we had she was able to answer and help ease our mind. She made the process very easy and quite painless. She explained everything and sent us a list of things we needed and even went as far as calling us to make sure we had no issues or anymore questions. She offered many options and when we changed our mind on a downpayment amount she was very flexible about it and changed the paperwork for underwriting to look at again. Her communication was 100% appreciated throughout, whether emails or phone calls. I would highly recommend First Choice Lending, and Dawn, for any financial services needed when buying a home. Thank you for being an outstanding financial guide during the process Dawn

I have nothing but excellent words about working with Dawn Wise! She was very communicative and really helped myself and my mother out during the entire process. I definitely recommend her! We just closed on our first home. Thanks again Dawn!

Dawn was out agent and she was amazing I honestly felt like I was her only client with how quickly she was to respond and so knowledgeable

Direct: 865-392-4165
Cell: 865-591-8247
Email: eclifton@fcls.com

For Eileen Clifton, serving the people of Kentucky and Tennessee in their struggles to navigate the complexities of buying a home is a privilege. Eileen joined First Choice so that she could better help families and individuals in need. The company’s practice of tailoring its loan products to the needs of its clients attracted Eileen’s attention and interest.

Eileen has experience working with mortgage providers like Freddie Mac and FHA, but First Choice Lending allowed her to do something slightly different. The flexibility involved in personalizing and customizing loan products allowed Eileen to serve her clients even more effectively than in her previous positions.

Eileen and the rest of the First Choice team are highly effective agents, especially when serving clients with extenuating financial circumstances. There is a great deal of ingenuity that goes into customizing a loan product, and Eileen Clifton is an expert at finding or creating the very best loan product for her customers. Her passion for serving others and her innovative mind make her an ideal agent for First Choice Lending.

Direct: 865-392-4136
NMLS: 171330
Email: gjohnson@fcls.com

First Choice Lending Services, LLC, benefits greatly from the combined experience of its many employees. Some members of the First Choice team have only been working in lending and mortgages for the past few years, while others have over a decade of experience. This combination of fresh energy and new ideas with longtime experience in the industry is part of what makes First Choice Lending Services so successful.

Gigi Johnson has many years experience in the lending industry and has served First Choice Lending well as a loan processor. She also spent time working as a loan officer and title processor, giving her a wide range of skills that make her a valuable employee. Like many other employees of First Choice, working with first-time home buyers is the most rewarding experience for Gigi.

First Choice is lucky to have employees like Gigi who love their work. She has lived in Cleveland and Knoxville, TN and enjoys giving back to the people of Tennessee and Kentucky. She has raised three sons and now has the pleasure of being the grandmother of 3.

Apply with Jeff

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Direct: 865-392-4172
Cell: 865-806-5455
NMLS 701870
Email: jelrod@fcls.com

First Choice Lending Services LLC has been highly successful since its creation and has enjoyed tremendous growth. This is mostly due to two things: the quality of the employees working at First Choice, and the company's business priorities.

Reviews:

Jeff Elrod was great to work with!

I’ve worked with Jeff multiple times, and he’s been consistently amazing. He is prompt, he is thorough, he is personable, and most of all, he is great at what he does! Couldn’t ask for a better loan officer.

Jeff was fantastic to work with. Always picked up my calls whenever I reached out and really helped me get closed quickly on a deal that I couldn't afford extending on.

Jeff is awesome ?? made everything fast and easy, and got me an awesome rate! Very good first experience purchasing a home.

Jeff was an open gentleman with the ability to not only answer my questions (I had a lot) but his availability was beyond what one would expect or even anticipate in the top tier of lenders.
I will always highly recommend him to anyone needing a lender, advice, and creme de la creme service.
He walked through every aspect of the purchase with me in detail, and answered every question in a timely manner if not anticipating my questions before I even could fire them off.
Whenever I buy another property, he will be involved.

My agent was Jeff Elrod and he is awesome!!! Super helpful and knowledgeable when it comes to lending. He's goes above and beyond to find the best product for his clients. Very open when it comes to communication about the options you have. I really appreciated his professionalism and integrity throughout my home buying process! -Dawann

Best mortgage loan officer ever!! -Floriana

Jeff is great to work with. He knows his stuff and communicates with through the whole process. -Torey

I highly recommend Jeff Elrod. He is very professional and attentive. Also very knowledgeable regarding all types of loans. He is always willing to go the extra mile to get things done. Jeff has saved many of my Real Estate transactions, and for that I am very thankful. If you need a loan, please call him! I am sure he can help you. -Araceli

We had such a great experience with Jeff Elrod as our mortgage loan officer. He was attentive and quick to respond when we needed questions answered. We truly felt he had our best interest in mind and made the whole experience as easy as possible. We have purchased a few homes in the past and Jeff is by far one of the best we’ve worked with. -Jenna

Jeff is AMAZING!
This man needs a promotion, raise or something!!! Seriously. Jeff has worked with me since December 2021 till June 2022, that is 6 months of having effective/positive communication. Jeff was always there when I had random questions and he knows his stuff! I would highly recommend him for anyone that is going through the home buying process! I know for sure I will be reaching back out to Jeff in the near future for investment properties opportunities! Thanks Jeff you are the best!!! -Jasmine

My agent was Jeff Elrod and he is awesome!!! Super helpful and knowledgeable when it comes to lending. He's goes above and beyond to find the best product for his clients. Very open when it comes to communication about the options you have. I really appreciated his professionalism and integrity throughout my home buying process! -Dawann

Jeff is fantastic to work with, his positive attitude was very uplifting. If you want a mortgage lender who is knowledgeable and available 24/7 then Jeff is the one for you. -Ivanna

Jeff was a great partner during the whole process! This was our first time buying a home and he was patient and super helpful guiding us through everything. He was readily available for all of our questions. We would highly recommend him to our friends and family!!! -Briana

Jeff with First Choice Lending Services was amazing! He worked extremely hard to help my wife and I get our first home! He’s very friendly and was always available to answer any questions we had during the process. I would recommend him to anyone. -Tilmon

Jeff went above and beyond to make our first time home purchase perfect!! I will refer him to everyone I know!! Thank you for everything!! You were amazing!! -Kimberly

I have to give a shout out to First Choice Lending and Rep Jeff Elrod. I first talk to Rep Jeff Elrod at First Choice Lending almost 3 years ago when I started my home buying inquiry. Turns out my credit at that time was not strong enough to purchase a home. Jeff took a interest in helping me grow the credit I needed to buy a home. Coach me into cleaning up credit errors and building new credit. Well here I am now after buying my forever home, a 2021 ranch style house. My family and I thank you Jeff for all your hard work and effort for helping us cross the finish line. You're the best! -Lawrence

Jeff was professional and personable, and worked hard to get our loan through in a timely manner. He gave above and beyond to get the deal done. -Lori

My husband and I had the best experience buying our first home with this company. Our lender, Jeff Elrod, was always available to answer any questions and concerns that we had, whenever we had them. I am confident in the service he provided us and will most definitely use him again in the future. -Amy

Jeff is the absolute best! He’s helped me with my first and second home purchases. He communicates well and does everything he can for the best outcome for his clients. I would/ will recommend Jeff a million times over again! -Brittany

First Choice was recommended to me by a friend. I could not be any happier. Very professional and knowledgeable.. Jeff Elrod is the best. Patient, funny, and cares about helping you with anything. I would recommend him to anyone that wants to buy a house. -Beth

Jeff was outstanding! He really went to bat for us. He is extremely knowledgeable and was able to get us through some tough spots. We will be going back to him and First Choice Lending for our future needs! -Kathryn

I was referred to Jeff Elrod @ First Choice Lending Service through my realtor. My husband and myself are first time homebuyers. Didn’t know what to expect throughout this process at the beginning but Jeff made sure that we knew everything. No matter what time of the day if I needed to know anything Jeff was very quick at responding. He has been such a big help. I am very thankful for him. I encourage anyone looking into getting a home please be sure to ask for Jeff Elrod. I promise you won’t be disappointed. Thanks to him and his hard work we are now HOMEOWNERS. -Alexcz

JEFF ELROD is the man. He worked his tale off for me . We talked more than I did to my kids. All the hurdles and issue he hung in there and fought when he had to only to prevail.. He also helped me figure out how to get my scores up. I now am in my own home because his team work and determination. I'll be heading up to Knoxville soon to buy him a steak.. JEFF you are awesome. -Richard

Jeff Elrod was educated, courteous, and a constant professional. He is someone that I am comfortable referring to to assist with their mortgage needs. -Kelly

Jeff Elrod is a very knowledgeable Loan officer who is always available to address the concerns of His clients. -Kyle

Jeff is such a pleasure to work with! From day one he was on top of my future homeowner needs. He made himself available to make sure all needs were met concerning this process. He also taught me so much in the process and kept me informed. I recommend First Choice Lending and Jeff Elrod to anyone who wants a great home buying experience. I am forever grateful! -Brittany

Jeff Elrod was our loan officer he was amazing..I feel like he’s family now...worked through all the snags..kept a sense of humor about it...he and his company got me into my dream home and I will always be grateful to him/them. -Belinda

Jeff was great to work. always available to answer any questions we had day or night it didnt matter. He was able to get us closer 15 days earlier that originally planed. If you are looking for mortgage lender Jeff at First Choice is who you want. He made sure we got the best deal possible. Couldnt have asked for anyone better. -Siera

I want to thank Jeff for making my dream come true. He is very knowledgeable and knows what he is doing. He was very patient with me when I had questions. He kept me updated throughout the entire process of pursuing home ownership. I recommend Jeff Elrod with First Choice Lending Services for your mortgage. -Pamela

We had the pleasure of working with First Choice Lending services and our mortgage officer Jeff Elrod. We had started this process not knowing what the outcome would be after being turned away by another lender. Jeff made our process as smooth as possible and was able to keep my mind at ease and got us to our closing and in our dream home. Thank you so much. You all are a wonderful company and I will be recommending more people to you. -Erica

Apply with Jeremy

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Cell: 865-719-2508
NMLS: 2639211
Email: jknapp@fcls.com

Jeremy, a proud East Tennessee native and University of Tennessee graduate, brings a wealth of customer service and management experience to First Choice Lending Services. His passion for problem-solving and helping people makes him a natural fit in the mortgage industry.

With a keen understanding of the local market and a commitment to client satisfaction, Jeremy is dedicated to guiding you through your mortgage journey. When he's not assisting clients, you might find him on the golf course, camping in the great outdoors, or cheering on the Vols at a UT Football game.

Married to his wife Jenna since 2021, Jeremy balances his professional dedication with a love for travel and outdoor adventures. Let his local expertise and customer-focused approach help you achieve your homeownership dreams!

Reviews:

Apply with John

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Direct: 865-392-4146
Cell: 865-621-2028
NMLS: 36477
Email: jharty@fcls.com

John Harty has been working for First Choice Lending for years, bringing to the company a great deal of experience and in-depth knowledge of loans and mortgages. For many families, buying a home is a difficult and complex financial decision. John Harty and his coworkers at First Choice make the home buying process far simpler.

Along with offering more recognized loans, such as FHA, Fannie Mae, and Freddie Mac, First Choice Lending offers personalized service for its customers. Clients of the firm can expect customized loan products tailored to their particular financial situations. John Harty’s understanding of mortgage and loan processes makes him an invaluable asset to the company.

John effectively uses his solid comprehension of loans and finance to find the best rates and loan products for his clients. If clients are facing extenuating circumstances or financial obstacles that make the loan process more difficult, John Harty thinks outside the box and creates a customized loan product that best suits his client’s situation.

Reviews:

I had the pleasure of working with John Harty from First Choice Lending Services. Not only was he very professional he was extremely helpful and made the whole process effortless. He kept me up to date during the process and always followed through. I would highly recommend John and First choice for any mortgage needs.

Very convenient and smoothly moving process!! Very much recommended!! John Harty is the man to go to for any help! -Jordan

John is patient, kind, and very respectful loan officer. He always explained everything to me and worked hard to get me closed smoothly. I appreciated my time with such a nice loan officer. He assisted me in getting the cutest home. -Carrie

I had a great experience working with John at first choice. He really did a thorough job and made it a great experience. Overall I think anyone would be pleased with the service I received. I certainly was. - Jim

It was a real pleasure working with John Harty with First Choice I would recommend him for any lending needs. Thank you John! -Donna

We have been very pleased with our First Choice Lending process. John Harty has been very helpful. -Gary

I would recommend John Harty and First Choice Lending to anyone for their mortgage needs. We are very blessed to have found John. He has been so helpful and answered all our questions no matter how odd they seemed. I felt as if I was talking to a good friend. Thank you for all you did for us by keeping us on track to close in 45days. I cannot say enough about how amazing you were. -Malena

John Harty deserves five stars at First Choice Lending Service, LLC. He has been absolutely the best in answering all of my questions and concerns in purchasing my new home. John has explained things so thoroughly and gone above and beyond my expectations. I would highly recommend John Harty for your next lending / home purchase needs. I'm ready to close on my new house and I'm thrilled. -Charlene

Apply with Josh

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Direct: 865-392-4147
Cell: 865-256-0966
NMLS: 144531
Email: jheffington@fcls.com

Josh Heffington is a longtime resident of Tennessee, having attended college at the University of Tennessee and worked with First Choice Lending for a number of years. He was drawn to the mortgage and loan industry by his desire to help people buy their dream homes and to help first time home buyers navigate the world of loans and mortgages. First Choice was a natural place for someone with Josh’s skills and interests.

First Choice draws a large number of employees who enjoy helping first time home buyers, and thus has built an impressive history of helping families navigate home purchases. First Choice’s many loan product options and its policy of customizing loan products for its customers has made the company very successful since the day the business opened its doors.

After graduating from UT, Josh began giving back to the people of Tennessee and Kentucky by joining the team at First Choice. He believes that a home is the most important asset that most people buy, and as such he wants to help people navigate their home buying experience to the best of his ability.

Reviews:

Incredibly attentive, prompt, and most of all shrewd on the customer’s behalf. They found me the best rate that we’ve seen in a long time even before the fed cut. They got the job done fast on our loan! Josh Heffinton will take care of you!

This was our first time ever purchasing a home and we was lucky to get Josh Heffington. We had so many questions and unknown info about buying a home.  Josh was hands on - we got to meet face to face, not behind a phone or computer screen.  He listened and was spot on with information & step by step through the whole process.  Thanks Josh for being amazing and going above and beyond.  We are grateful and will recommend you time and time again!

We have had the best experience with buying a home our second time around, and I truly believe the ease has came with the knowledge and professionalism from our loan officer, Josh Heffington at First Choice. He is prompt in response, clear in the needs for loan processing, very informative on all the details and avenues you need to know and explore when looking over your options for a mortgage. I would recommend everyone I know who is needing assistance to go see Josh!

5 stars are simply not enough for Josh Heffington! This man has made purchasing a home (not once but twice) the best experience. He is knowledgeable, intelligent, hard working, and dang efficient at what he does! I wouldn’t want to work with or recommend anyone else.

First Choice Lending put me through the easiest home-buying experience I’ve ever had. They are very experienced, and are dedicated to making sure you get the home that you want without a doubt. Cannot wait to work with them again in the future! Thank you Michael, Josh, and Ashley for all of your hard work!

Josh, Michael and Ashley made my dreams come true by working so hard to get my first House so thank you to the team for all your hard work and patience with us!

I rarely write reviews, but my experience with Joshua Heffington at First Choice Lending Services was so extraordinary that I felt compelled to share. From our very first interaction, Joshua Heffington demonstrated unparalleled professionalism, expertise, and a genuine commitment to helping us achieve our dream of buying a house.
Navigating the mortgage process can be daunting, but Joshua Heffington made every step clear and manageable. He was always available to answer questions, no matter how small, and provided us with detailed explanations that made the entire process transparent and less intimidating. Their patience and understanding were remarkable, making us feel valued and supported throughout.
Thanks to Joshua Heffington's efforts, we closed on our house smoothly and much quicker than anticipated. I wholeheartedly recommend Josh to anyone looking to buy a home.  His incredible service, dedication, and expertise are unparalleled.

Josh Heffington made our first home buying process the easiest thing ever. Extremely friendly, professional and informative, and always available for a call.

JOSH HEFFINGTON … He was the first of many Knoxville professionals we met when we began our move from WI to TN. Personable, friendly, communicative through the complexities of application-underwriting-final approval to closing; Josh set a very high bar for all the other pros to reach! From former Badgers, Thank You Josh!

I have been fortunate to have found First Choice Lending early in my Realtor career. I have 19 years of using them as my main lending. Steve Shelton has always been extremely available and will always take care of any issues, which are very rare. Josh Heffington is my main loan officer. I was very pleased when I attended a meeting last week and a referral I gave him, thanked me and said she was thrilled with them. I was not involved in this transaction. I have NEVER had anything but top of the line service from First Choice. They care and always listen. They are far the best. -Sue

Absolutely amazing experience start to finish. Josh and Ashley were amazing to work with, very organized and efficient. We will be using this company from now on and highly recommend! -Ashley

We worked with Josh Heffington for our most recent refinance. He was extremely knowledgeable, kind, and quick to reply! He had our refinance approved and ready to close in less than 45 days- we are thrilled!
This is the 3rd time we have used FCL for our lending needs. They truly are our first choice when it comes to lending. Time and time again they prove they are the best in the area! -Kelly

I honestly believe me and my family would have been homeless if it had not been for Josh , Hannah, and the whole team at First Choice Lending Service. We faced many obstacles with our loan, but with Josh's impeccable persistence, knowledge, and helpfulness we were able to tackle every one of them. He did a phenomenal job by going the extra mile to make everything as smooth as possible. I highly recommend First Choice Lending Service to anyone with lending needs. -Tamra

We started the house search what seems like an eternity ago. During the process Josh Heffington was extremely patient, helpful and responsive with my many questions. Once we had an offer accepted and moving into the next steps it was a smooth process because Josh had stayed on top of everything and ensured all information was in order and ready to go. During the final steps Cory Hyberger stepped in and helped coordinate the collection of final information so that closing deadlines were met well in advance. The quick response times of both Josh and Cory to questions or concerns was top notch and very much appreciated. Both were amazing and I would recommend!! -Ace

We had a great experience through first choice lending working with Josh and Cory! They were prompt with all of our questions and extremely timely. They made this process seamless in a crazy market. Would absolutely recommend! -Sarah

Josh and the whole team at First Choice Lending were great! They went above and beyond to make our whole home buying experience as easy and stress free as possible. They stayed in constant contact and really made us feel like we were their top priority. Would highly recommend First Choice to anyone purchasing a new home! -Mike

Josh Heffington with First Choice Lending Services was completely amazing. He was extremely diligent throughout the whole process of buying my first home. He answered every question I had no matter how difficult or easy. Highly recommend him! -Kent

Our experience with First Choice Lending was great! We got to work with Josh Heffington, who was wonderful to work with. He was very helpful. We highly recommend Josh and First Choice Lending. -Joseph

First Choice did a great job on my loan, we closed quickly before the contract closing date and with a great rate. Josh Heffington did a super job as he has done with several other people that I know who have worked with Josh. -Bo

We are first time home buyers and josh Heffington was amazing to work with. His answered all the questions we had and was always on top of getting everything done. Would definitely recommend him. -Perla

Couldn't have asked for a more professional and easy experience than with these guys. 7 years ago I opened my mortgage with them and this week I closed a refinance with them and Id do it again in a heartbeat. -Corey

I highly recommend Josh. Everything has been super smooth through the whole loan process. He’s been super helpful to work with. -Haley

I can’t believe how quick and easy it was to use this lending company. A great first experience with our first house! Utmost recommendation. -Craig

I worked with Josh Heffington, at the Knoxville branch. I am super impressed with his patience and knowledge. I asked a lot of questions, throughout this processs and Josh never made me feel like I was imposing or being difficult. He answered every question with poise and confidence. He reassured me throughout the process. I was never left wondering what the next step would be. Even when we did have hiccups, he informed me of the why's and what was needed to get through the hurdles. I will most definitely recommend First Choice Lending and Josh, to my friends and colleagues. THANK YOU JOSH for your due dilligence and hard work!! You made our first time buying experience a fun and exciting journey!! -Stacy

Thanks to Josh, this was a worry free experience. I will recommend him and First Choice to family and friends. -Bryan

Josh was amazing to work with throughout the whole proces . Completely suggest First Choice Lending. -Holly

My experience with the 1st choice lender it was wonderful and thank you for Josh specially who walk us through it. And they all was Wonderful. -Gladys

Josh was amazing in dealing with my new home purchase. Everything was streamlined and efficient. I will be back with any future loans I need. -Trevor

I highly recommend Josh Heffington with First Choice Lending. I called him when I was already working with another lender, just to get another opinion. Josh was very patient and answered all my questions, thoroughly explaining my options, even knowing he might not end up getting my business. This alone made me want to work with him. He was very attentive and dedicated through the whole process, and worked hard to get me the best rates at the least cost. He was always available to explain things i didn't understand. He truly conducts business with the highest level of integrity and I would happily work with him again! -Elizabeth

Josh provided top notch service for two mortgage loans. Great communication and information throughout. Rates are very competitive. I have had bad experiences with other lenders. I recommend Josh and First Choice if you want the job done right! -G Dupler

Josh was excellent as he guided us thru our VA loan. He was knowledgeable of the VA process and answered our questions. If he didn't know an answer, he researched to find it. He has a pleasant personality & we would recommend him to anyone wanting any type of loan. -Florence

Josh helped us from start to finish! He answered any questions that we had along the way. Josh and his team made the whole process smooth and painless!! I would highly recommend him and First Choice Lending!! So....give them a call. -Billy

He is always competitive...but just as importantly...very responsive & knowledgeable. Josh has helped my wife and I with multiple mortgages. He is always competitive...but just as importantly...very responsive & knowledgeable regarding his loan products. If you are looking for someone to trust your mortgage concerns with, give Josh a call. He comes highly recommended! -Taft

He was able to go above and beyond others, always answering promptly and professionally. he personally contacted the real estate agent and was extremely knowledgable of the HUD hones process. Had lots of wisdom and advice to give. -Michael

He was easy to reach and always responded promptly. Josh was wonderful to work with. He always kept us up to date on the progress of our home loan and explained how the process would work. He was always attentive, patient and kind when we had a laundry list of questions or concerns. He was easy to reach and always responded promptly. I would definitely recommend working with him for your home loan! -Amy

The man was super friendly and approachable. I was having a horrid time with another lending company when I was recommended josh. Josh was able to do in one week what the other company had done on 5 months. He was always available to answer any questions no matter what time or where he was, and even if my question was dumb or I had asked a hundred times already he was always very patient. He was great with keeping me up to date on where I stood with my closing and he seemed to know everything about USDA loans. The man was super friendly and approachable. Not only would I highly recommend josh to anybody, I already have. In short, josh is the man. -Kevin

Josh kept me informed every step of the way and gave his 110%, and anytime I had ... Josh kept me informed every step of the way and gave his 110%, and anytime I had a question he quickly gave me an answer...he just went above and beyond thru the whole process. -Roma

We were able to close and have some repair escrow money set aside to take care of ... Josh worked with us on a loan for a home that needed some work. We were able to close and have some repair escrow money set aside to take care of some repairs after closing. I didn’t even know such a program existed, but Josh searched and worked very hard to secure our financing. I know we wouldn’t have our home today without his help and two other banks denied us because of the home. -Keith

He honored his quoted rate and did a fantastic job. Josh had helped a friend of mine with a refinance a few months back so decided to give him a try. He honored his quoted rate and did a fantastic job. I would highly recommend his services to anyone looking to refinance. -Daniel

After refinancing with Josh at First Choice, I realized that it is very important ... Before I refinanced I thought that all mortgage brokers were the same. After refinancing with Josh at First Choice, I realized that it is very important who you choose and I'm glad I went with him. Josh got a quit claim deed taken care of which needed signing and also helped get an old lien removed which neither my original mortgage nor previous refinance was aware of. We were also able to use an alternative title company which had lower closing fees. The rates he offered were also the best I could find for my loan value. -Garrett

I had shopped Josh with other lenders and he won out. I was selling my 2nd house ... I contacted Josh via Zillow several days before calling him. I had shopped Josh with other lenders and he won out. I was selling my 2nd house and was getting a bigger house due to increase family size. He went over with me every mortgage option and I feel I got the best one for me. I would recommend Josh to anyone. -Krista

Josh and his team at First Choice lending really did a great job in preparing us ... We had our eye on a short sale for a while and we got paired up with Josh on Zillow for our financing. Our realtor had warned us that a short sale could be time consuming. Josh and his team at First Choice lending really did a great job in preparing us for closing in a timely fashion. We would recommend First Choice to anyone looking to buy a home. -Thomas

We couldn’t be happier, just closed on our home yesterday and Josh exceeded our expectations. I had talked to several companies through the Zillow mortgage marketplace and after a few days of shopping we decided to give Josh a shot at our loan. We couldn’t be happier, just closed on our home yesterday and Josh exceeded our expectations. Our closing costs were less than his initial estimates and so we did not have to bring any money to closing we actually got the money back for the appraisal we paid for.. Josh and his whole team did a great job and would recommend his services. -Frank

Thanks First Choice lending and Josh for walking with me on this journey to buying a home! Thanks for answering my endless questions about this process and being patient with me! Josh Heffington is great choice if you are looking for a lender. -Demetria

Josh was an absolute pleasure to work with. He was very helpful and was able to answer any questions we had within just a very short time. I definitely recommend Josh and First Choice Lending. -David

We have used Joshua Heffington more than once because he is AWESOME!! Whether it was 9pm on a Friday night, 11am on a Saturday, or multiple houses we needed information on, he was on point whenever we needed him!! He definitely went above and beyond helping us buy our new home!! Thank you Joshua Heffington!! You have made this move for us so easy!! -Jessica

We have worked with Josh Heffington for two home purchases now and plan to on any future buys. He is super communicative, and works quickly. He has even helped to just give advice in types of loans that First Choice doesnt handle. I highly recommend Josh to anyone looking for a lender. You won’t regret trusting him with your most important buys! -James

The service we received from Josh Heffington and First Choice Lending was excellent. We are a first time home buyer and had many questions. Josh was always there to answer all of them. I would highly recommend Josh and First Choice Lending. -Alex

Apply with Josh

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NMLS # 2397332
Office: 865-392-4168
Cell: 865-208-3729
Fax: (865) 862-6724
Email: jlecroy@fcls.com

Josh Lecroy, a dynamic Senior mortgage consultant offering his clients positive energy and mortgage lending expertise. His energy and mortgage expertise. His guidance allows clients to make exceptional financial decisions in the loan process. Josh graduated with a Bachelors degree from Johnson University Tennessee and currently resides in Knoxville Tennessee (Go vols).  In his free time he enjoys playing basketball and musical instruments and building relationships with others.

Reviews:

Couldn't ask for a better experience ??thank you Josh and Scott. First choice leading service 10/10

went above and beyond tackled every situation that came up and solved every problem. highly recommend First Choice Leading. Thank you Josh and Scott. ??

Josh was on top of everything the entire time we worked with him. He worked hard for us and got us in our first home with ease. We couldn't be more grateful to him and our realtor. -Andrea

Josh was so easy to work with. He was super responsive anytime we had questions or concerns, and he did a great job explaining everything. I was the buyer's realtor, but this transaction was for a family member who was a first-time home buyer, so it meant even more to us all that he was so patient and responsive. -Kim

Josh Lecroy was awesome to work with. He worked hard for my clients. Josh was always available to answer any questions we had quickly. Our transaction was smooth and seamless. Looking forward to working with Josh again in the near future! -Jennifer

Working with Josh Lecroy was such a pleasant experience. He was very professional, easy to communicate with and prompt. He made our buying process quick and easy. I would recommend him and First Choice Lending to everyone! -Emily

Josh Lecroy is the best! Every time I reached out to him he Always answers or respond quickly. He was so easy to work with! -Nikki

Apply with Joshua

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Cell: 423-310-4681
NMLS: 2572258
Email: jmcgill@fcls.com

Josh is an East Tennessee native and calls Knoxville home.  He has years of experience providing exceptional customer service and has worked in the mortgage industry since 2019.  In his free time he enjoys traveling, cooking/grilling, and spending time with his dog Charlie along with the rest of his family.  Josh is also currently working on finishing up his bachelor’s degree.

Reviews:

Josh McGill was amazing on helping my husband and I buy our home. He kept us posted on everything and what all needed to be done. He was overall amazing with us! I would recommend him on helping you buy a home!

I highly recommend working with Josh McGill. He provided top-notch customer service and made the process of buying a home so much easier than I thought it would be.

It was a whole long week arranging and organizing our new home . Thank you so much Scott Burns and Josh McGill, you two are awesome, you have worked very hard the weekends and late evenings to make sure we made the closing schedule .
We can’t thank you enough for everything ,you have gone out of your ways to assist us. Love from the Straile

Apply with Kacy

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Cell:  865-659-7574
Toll Free:  855-392-4141
Direct: 865-392-4163
NMLS #2218150
Email: kwheeler@fcls.com

Kacy found herself in the mortgage industry unexpectedly. After attending the University of Tennessee to receive a psychology degree, she spent the next 10 years committed to her first love, working with children and coaching a gymnastics program. After purchasing her first home, that love of helping children grew into a passion and dedication to serving her community and bringing people joy through the process of finding a home that they love.

Reviews:

Kacy Wheeler went absolutely above and beyond to help my fiance and me to get the best deal on our dream house! As first time home buyers, we were scared of the process, but Kacy explained everything we needed to know in great detail. She was an absolute pleasure to work with and had our best interests as her first priority! Thank you, Kacy, for all of your hard work! Joey and I love you so much! 100% recommend! 💯🏡❤️

Kacy and her team worked tirelessly to get us into the house we loved. Any time we had questions, no matter the time, Kacy would make it a point to answer every question we had (even the repetitive ones). She provided outstanding customer service, patience, professionalism, and above all, kindness as she walked us through buying our first home. 10/10, highly recommend! Thank you Kacy for helping us navigate through the process of buying our first home and welcoming us into it. We truly appreciate all of your hard work!

Kacy Wheeler was wonderful to work with. She is quick and very helpful. Highly recommend! -Jasmine

Kacy Wheeler was amazing from the start of the process up until the end, always quick to reply to any questions willing to go out of her way to help however she could. Thank you so much Kacy! -Kacy

Kacy Wheeler is my go to lender!! There is nothing she will not do to go above and beyond to make sure our clients are satisfied!! She has multiple products to offer that are non conventional and she’s very creative!! This is necessary at times when getting clients pre approved!! Kacy is very knowledgeable, professional, and prompt!! If you are looking for a lender look no further!! -Elizabeth

Kacy and Ashley provided top notch guidance throughout our loan process, and fought hard on my behalf to get us to the finish line, which seemed to be a moving target at times!
We appreciate all the extra effort given by them, they showed great care and concern for us.
Every team would be a winning team with the super duo of Kacy and Ashley! - Chris

I have been trying to buy a house for three years. I was sent to Kacy Wheeler through my realtor. She has walked with me through this entire process. Being a first time homebuyer I had so many questions and concerns. She was there every step of the way. Highly recommend!!!! -Brooke

Kacy Wheeler was fantastic to work with throughout the lending process. She was always very responsive, supportive and took the time to explain everything to me since it was my first home purchase. She’s very easy to work with and I highly recommend her to anyone looking for a loan! -Laura

Apply with Kamron

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Direct: (865) 392-4173
Cell: 865-231-0945
NMLS #2172460
Email: kshelton@fcls.com

Kamron always puts the customer’s needs first. Thinking outside the box and working diligently helps Kamron assist the customers to find the product that best suits them for their specific situation. Coming from many customers service-oriented jobs, Kamron understands that the customers best interest will always be the right choice. Kamron is dedicated to making that process as easy and simple as possible.

Reviews:

Kamron was absolutely amazing! As a first-time home buyer, my husband and I had no idea where to start. We reached out to Kamron, and he scheduled for us to come in the following Monday! He helped us with our approvals, closing, and all documents and sent us to Lauren Logan, who is the absolute best realtor! It made the whole process easy and quick. We reached out and started the process the last week of September and closed November 1st! If anyone needs help, Kamron is the best!

We’ve worked with Kamron Shelton for a few months now, and he has been awesome! We started off with less than a perfect credit score lol, and he helped us get a higher score to qualify for a better/cheaper loan. We’ve worked with other bank lenders in the past, and Kamron was super communicative, responsive, and quick to find solutions to problems that came up. Definitely would recommend him to anyone buying a home!

As a first time home buyer, I was very satisfied using this lending service. Kamron helped us through the entire process and made sure that we knew everything that was going on, and made it very easy to follow as well. On top of that, he helped us find a great realtor that was great to work with. I would highly recommend them.

We worked with Kamron Shelton when we first inquired on a home loan a year and a half ago, and he was able to work with our very limited parameters to help us with a home loan. We decided to hold off on buying a house at that time but recently got pre approved with Kamron again and he has made the whole process so easy and smooth for us. We’re first time home buyers and the whole process was very daunting and felt impossible but Kamron did all he could to take the stress off us and was a YES man with everything. We never heard a no. He always took the information we gave him and found a way to work with it and got us into our dream home. We will be coming back to him for any refinancing we do, along with future home loans. Thank you again Kamron, and shoutout to Lauren Logan our agent who he paired us with, for being the best duo and making our home dreams a reality!

Buying a home can be difficult, however with the help of Kamron Shelton it was a walk in the park. I've been renting since I can remember and decided to take a leap of faith to purchase my own property. I have heard some horror stories about the home buying process but words cannot express how easy it was with Kamron. From the first time talking, to the last step of closing it was smooth and easy. I will be recommending him to everyone I know who is looking to purchase and will use him again if I refinance or move. Thanks so much Kamron and First Choice!

Kameron went above and beyond in our transition to our new home in Tennessee. Not only was he detail oriented and Johnny on the spot; he catered to our every need and answered all of our questions, on a timely basis, alleviating any anxieties we had. I whole heartedly recommend him to any one buying a new home and / or real estate. In this crazy , sometimes unfriendly world, it was refreshing working with someone who took the time, and cared.

First Choice was a very helpful lending service. My wife and I are first-time homebuyers and Kamron did an excellent job answering all the questions we had. When we hit snags in the process, whether financial or logistical, Kamron went out of his way to ensure we were taken care of and informed on any updates, even when we messaged him at inopportune times. I'm grateful that we were given the recommendation to go with First Choice and have Kamron guiding us through the process. We're relieved and excited to be in our new home. 🙂

I can't say enough about Kamron Shelton and what he did for us! I have been through the home buying process many times before and NOTHING compares to this transaction. From the first time talking to Kamron, I could tell that he is knowledgeable and actually cared about what we were trying to do. It did not feel like we were just another customer, he made us feel comfortable with every decision we made in the loan. After this experience, I can not imagine working with someone else do my lending.

The experience was great. Kamron did a wonderful job and handled some unexpected issues admirably and very smoothly. I did not have to worry about the process. I would cheerfully work with him and First Choice again.

I recently had the pleasure of working with Kamron Shelton as my mortgage loan officer, and I cannot speak highly enough of his professionalism, expertise, and dedication to his clients. From the very first interaction, Kamron exuded confidence and knowledge that immediately put me at ease during what can be a daunting process. Throughout the entire transaction, Kamron demonstrated an exceptional level of communication, keeping me informed at every stage and promptly addressing any questions or concerns I had. His responsiveness and accessibility were truly remarkable, making me feel valued and prioritized as a client. Kamron's attention to detail and meticulous approach ensured a smooth and efficient transaction from start to finish. He navigated through the complexities of the process with ease, anticipating any potential challenges and proactively addressing them before they became issues. As a result, the entire experience was stress-free, and I was able to close on my mortgage with confidence and peace of mind. Thanks again!

Kamron Shelton was my mortgage consultant. He helped me buy my first home. He was extremely helpful and answered all of my questions. He went above and beyond. I cannot recommend him enough!

Kamron Shelton and First Choice Lending is now my go-to for anything mortgage related. Kamron helped me out in getting approved for my first home. I was pretty nervous walking into everything but after speaking with Kamron, he made me feel a lot more confident in how the process goes. From the first call all the way to now, Kamron has answered every question i have had. He even answered our texts and calls on weekends! I really appreciate all the hard work Kamron and First Choice Lending has done for us!!

Can’t even put into words how incredibly happy we are with First Choice! Kamron was our loan officer and did everything he could to make the process so easy. We were intimidated by the whole process just from what we’ve heard from other home owners but truthfully it was a million times easier than we expected. We had a lot of questions, but Kamron was very responsive and thorough, and helped us get our first home and for that we will forever be grateful.

We worked with Kamron during our home buying process. It’s a difficult market and Kamron was as flexible as our needs demanded. The pre-approval process was quick and easy, and once we were under contract, the underwriting and closing process was also quick and easy. Kamron was very knowledgeable, and there were multiple scenarios where he provided us an option to choose from so we didn’t feel forced into a situation. I’d highly recommend First Choice when purchasing a home.

I can not tell you how thankful I am for Kamron Shelton at First Choice Lending. After 2 years of trying to buy our home, being self employed and multiple hoops to jump through on our end, Kamron stuck with us and made it happen. If it wasn’t for him we would not be first time home buyers. He was so patient and kind and walked us through each step and helped us save money wherever he could. We are forever grateful for Kamron!!!! If you’re looking to buy and you have a lot of obstacles in your way do not hesitate to reach out to Kamron Shelton to see if he can help make your dreams of buying your home come true!!! -Amanda

If you’re looking for a great lender, look no further than First Choice Lending. They are amazing! Kamron Shelton helped me out getting my first home, and he made it so much easier than I could have ever imagined. Thanks again! -Russell

We were first time homebuyers, and First Choice Lending made the process a joy compared to our expectations. Our officer, Kamron, went above and beyond to ensure our experience was the best for us. He was very attentive and communicated thoroughly. We highly recommend First Choice for anyone’s lending needs. -Geoffrey

Kamron was our loan officer!! He went above and beyond our expectations! He answered all the questions we had accordingly in a timely manner. He was really helpful listened to our needs and was able to get us approved for the house we wanted! He was very professional and the way he handled everything was very smoothly without any hiccups or problems along the way ! 10/10 would recommend him to anyone searching for a home in Knoxville! Will be using him again in the future if/when we buy another house in Knox! -Lorenzo

Kamron Shelton was an excellent loan officer. We had a bad situation at first, however he helped us improve our credit and we were able to get the loan we wanted. Through the entire process, he kept us in the loop. We cannot say enough good things about Kamron and First Choice Lending. -Brandon

If I could give more than 5 stars I would. Kamron Shelton is AMAZING. I have no enough words to appreciate him and all the patience he had with me on my first time buying my home. He explained the whole process step by step. Thanks again. He went above and beyond. He’s no longer my lender, he’s my friend now. God bless you and your family my friend!!

Kamron was wonderful! Kept us apprised of all updates during the whole process. We were always able to reach him quickly and felt like he really cared about us getting the specific loan for our needs. Will be hiring him if we ever buy again! Thanks for all your help! -LK

Buying a home is such a stressful and difficult process, but when you have a Kameron Shelton it makes your life 1,000,000 times easier had been working with him since November on getting the pre approval and everything else. Finally in June I was able to buy my first home and give my son the home i never had, and this was all possible because of my man Kameron I would recommend him to anyone looking to buy or refinance your home because he is one of the most carrying and puts his customers first kinda guy! I myself am in the financial industry and I strive everyday to make every customer happy and stress free when they are purchasing a vehicle from me and I absolutely loved that when dealing with kam you get the same as to what I give my customers! Could not tell you the alloy t of times I called or texted him on a weekend when I know he was off but unlike others kam responded right away! That’s taking customer service to the next level! If you want the best of the best kam is your man! Love this guy and because of him I can say I’m in that small % of Americans that gets to call themselves homeowners! Thank you for everything you did! 5 star customer service! -Neftaly

Went to First Choice Lending because of the positive reviews. They did not disappoint. We met with Kamron Shelton. We sat down with him for about 30 minutes and an hour later we had our pre-approval letter. Communication was great. Even being back in California we had no issues. We believe Kamron went above and beyond to assist us closing on time. Thanks Kamron. -Louis

My husband and I were looking to refinance a mobile home and got a card in the mail one day. I went online and started the process. Within 2hours I received a call from Kamron Shelton. Not only did he talk to me at length he later called and talked to my husband and I together. I have nothing but good things to say about First Choice and the two people I have dealt with the most Cameron Shelton and Ashley Lockridge. If I had a question all I had to do was text and Kamron either answered that day or the next depending on the situation. My husband and I both are completely satisfied with the Customer Service that Kamron gave us. No question was too small and he even talked to me outside of “normal“ office hours. Even now one month after the deal was done something came up regarding part of the deal, a pay off of a vehicle. One text and he was there and helped successfully close the account. This company and Kamron especially truly represent genuine customer service! Thank you for all your hard work. -Valerie

Kamron Shelton was a great lender to work with. Not only did he give me a few options of what he thought would be the best for me, he also kept me informed throughout the whole loan process. Very satisfied as a customer.  Will be recommending him to friends. - John

Buying a home can be such a difficult process, but my husband and I had the pleasure of working with Kamron Shelton! He made the paperwork a breeze and was extremely thorough from start to finish. Even when we had questions late at night or on the weekend, he would quickly respond! My husband and I would definitely pick Kamron over anyone! Thanks Kamron for your hard work! -Kinsleah

Kamron made the process of buying a house as smooth as could be! When me and my partner's closing was delayed a couple of times for various reasons, Kamron was always communicative and explained what was happening quickly and clearly. Highly recommend working with Kamron, and will definitely recommend friends to him when they are in the market for a home. -Kevin

We had Kamron Shelton walk us through our process of a loan, he was very patient with my questions and helped us immensely….OUTSTANDING! -Shannon

Kamron Shelton was so easy to work with he always answered my calls and kept me informed throughout the whole process it was a pleasure to work with him I am a very satisfied customer. -Melody

I had been thinking about refinancing my home for almost a year when I spoke to a co-worker and she recommended FIRST CHOICE LENDING SERVICE. I was so scared that it would be a difficult process and would be denied. Kamron Shelton was the person who helped me with this process. He was so friendly and courteous and very knowledgeable. He made this process seem so easy and was always in contact with me updating me on every progress that was made. He was easy to contact if I had questions or just needed assurance along the way. I highly recommend Kamron for anyone who is searching for a lender. He worked so hard in helping me achieve my goal to refinance, I appreciate all his hard work, and he was so very respectful to me. That meant a lot to me. I cannot thank him enough for helping me! -Deadra

Kamron goes above and beyond to help you out. Very quick on responding to any questions you may have. Highly recommend. -Jackie

Great to work with Kamron Shelton! -Tammy

Kamron's professionalism and ability to go above and beyond was truly exceptional and appreciated. It's too bad more people don't have his work-ethic and drive to help others. He far exceeded the bare minimum for his position and left me impressed. I would highly recommend Kamron to anyone! -Ryan

5 star review for Kamron Shelton. Would recommend him to anyone looking for a home loan. -Karen

Kamron is awesome to work with! Integrity is priceless. Totally recommend him. -Christy

Kamron was a joy to work with. He went into great depth about my options and helped me find the best one for my situation. He was polite, engaged, and made the process a breeze, highly recommend him and First Choice Lending! Will definitely be using them in the future. -Todd

My lender made things very easy for me and was a pleasure to work with. I would definitely work with First Choice Lending again. -Randy

Kamron helped our loan process go smoothly and quickly. He explained the entire process and kept us informed throughout our transaction. I highly recommend him! Our home buying experience was exceptional! -Tracy

Kamron is an extremely hard worker and was a great communicator between me and my realtor. He always puts his customers first and was a joy to work with! He made life so much easier!! -Fergie

Apply with Leila

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Cell: 865-740-0520
NMLS: 157461
Email: lblair@fcls.com

Meet Leila, a seasoned mortgage expert with over 25 years of industry experience. Specializing in both home purchases and refinancing, Leila brings a wealth of knowledge to every client interaction. Her commitment to professional communication and personalized service ensures that each client receives the perfect mortgage solution tailored to their lifestyle.

With deep roots in East Tennessee, having lived in Blount County for over 30 years, Leila offers invaluable insight into the local real estate market. Originally from Georgia, she combines southern charm with expert financial guidance to make your home buying or refinancing experience pleasant and stress-free.

When she's not helping clients achieve their homeownership dreams, Leila enjoys spending time with her family, including her grandchildren. She stays active with pickleball and yoga, and finds peace in her garden. Leila has been married to her husband John, a retired military veteran, for 42 years.

Let Leila's experience, dedication, and local knowledge guide you through your mortgage journey. Contact her today to experience a smooth, professional, and pleasant mortgage process!

Reviews:

Apply with Lyndsey

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Direct: 865-392-4158
Cell: 865-437-7502
NMLS: 882840
Email: llogan@fcls.com

Lyndsey understands that purchasing a home can be very stressful and overwhelming. She uses her knowledge and skills to make the process as smooth as possible. She enjoys working with clients to customize the perfect loan product to meet their specific needs. Whether you are a first-time home buyer or looking to refinance your home, Lyndsey is committed to helping you find the mortgage program that best fits your individual situation.

Reviews:

If i could give this company 10 stars i would. Lyndsey & Steve logan were nothing short of fantastic. We are first time homebuyers so i guarantee we asked (at least) 6 million questions & we were always met with a quick answer & kindness. From trying to get the best interest rate possible to handling all the paperwork, they made the process go SO smoothly & we are so thankful for them! We will always choose them when in the market to buy a home. Thank you again for being the best!! Could not recommend enough!

Lyndsey was fantastic to work with. She was very patient in answering all our silly questions about our new mortgage. We highly recommend her and her team.

Steve and Lyndsey Logan… there’s simply not enough words to explain how incredible they are! My husband and I just purchased our whole house and he was referred to us from a coworker. Throughout the entire process, Steve provided us with genuine advice and encouragement to the point where we forgot he was working for us and thought of him as a friend first and foremost! I’m a big worrier and he always took my concerns seriously and answered my questions patiently, and he kept us on top of all the deadlines to ease my stress. I’ll always recommend him (and his awesome wife) to anybody in the market!

We couldn’t have had a better team work with us on our dream home. Very professional in all aspects. We are very thankful for having them on our side. -Devon

Incredible people with an incredible company. They helped and answered every question and concern we had while buying our first home, regardless of how small or silly it was. Lyndsey is so nice and jumped through so many hoops to help get us where we needed to be for our home. -Olivia

Everyone at First Choice Lending is awesome!! They’re fast, thorough, and accurate. They communicate and work well alongside agents to make sure clients know what to expect next. It’s always a pleasure to work with their team to make the home buying process go smoothly. -Amber

Steve and Lyndsey are always a pleasure doing business with. Always very professional, prompt to answer and return phone calls, even after hours. 5 star business team for sure!! -Anneke

Steve is top tier. He is super knowledgeable and very attentive. Our loan closed in eleven days from underwriting to the closing table. That’s a impressive team! We will always be appreciative of Steve and Lyndsey Logan. -Amanda

Lyndsey Logan was extraordinary! As a first time homeowner, I was incredibly nervous to start the process of buying a home. I can confidently say that she made the process so simple and easy. She made herself available to answer any questions or concerns at any time of day. She kept me updated through each step of the way and when problems arose, she helped me through them too!! I would highly recommend Lyndsey to people who are scared or intimidated to take the first step in the home buying process! -Brenda

Would recommend their services to everyone! Lyndsey was very helpful and her knowledge really allowed our first time home buying experience to go as smooth as possible! A huge thank you from Madison and I as we are so happy with our new home! -Matthew

Steve and Lindsey were very helpful to my client. They kept us updated, communication is key. Everything was handled in a very timely manner. Exceptional service! -Teresa

Steve and Lyndsey Logan and their team are always a pleasure to work with! The transaction is always smooth and on time, and they are very proactive and knowledgeable. As a title agent, it is great to work a closing with them because I am never left waiting for things we need, and they keep the transaction driving forward to the closing table. Choosing the right lender makes all the difference!! -Vanessa

I have loved working with Steve and Lyndsey Logan to help my clients become home owners. They are knowledgeable and always responsive. Would definitely recommend to anyone needing to finance or refinance a home. -Lindsey

Steve is always great to work with. He always answers in a timely manner, is always helpful, and gets the job done! I highly recommend Steve and Lyndsey for all your lending needs! -Elaine

Lyndsey was so great to work with. We had our pre approval quickly. She communicated every step of the process and got our deal closed with no issues. Highly recommend! -Jennifer

Steve and Lyndsey were very accommodating to us and our individual situation. They helped us explore multiple loan options and explained everything on a level that would could understand. They were always available for questions that we had and never left us hanging. Will absolutely use them again for our next home! -Jordan

Definitely recommend First Choice Lending Services, LLC. Lyndsey Logan is the BEST! Everything went quick and easy! -Megan

Absolutely the best experience in purchasing our home!!! Lindsey took care of us at every turn!!!

Lyndsey and Steve Logan went above and beyond for our home purchase. We relocated from Florida to TN and recently purchased a beautiful home for our family. Lyndsey is very knowledgeable and always quick to respond to any questions we had! The process couldn't have gone any smoother. We will definitely be recommending First Choice Lending to any friends or family that are looking to purchase a home in the future! -David

Lyndsey Logan made our entire real estate purchase a breeze. While there are always complications when it comes to the closing, Lyndsey stayed in constant communication with us so that we knew exactly what our next steps needed to be. We can't recommend her enough! - Rhonda

My husband and I are going to be looking to purchase a home by the end of this year. Our realtor referred us to Lyndsey Logan, she spent time talking to me on the phone and answering all my questions. We are so appreciative and cant wait to purchase a home! - Janell

Lyndsey Logan is fabulous to work with and she is just the sweetest lady you’ll ever meet. So easy to talk to and makes you feel at ease when going through the home buying/selling/refinancing process. I would highly, highly recommend her to anyone. -Ruth

Thank you so much Lyndsey Logan for helping me thru my recent refinance for a new loan. You helped me every step of the way and I really appreciate it. I really enjoyed working with you. God Bless. -Donna

Steve and Lyndsey Logan are the ultimate professionals. Our experience with them was outstanding. Wonderful people! -Jason

Lyndsey provides a great service to her clients. She puts them at ease and guides them through the financing side of the homebuying process.She is responsive to both the clients and the agents that she works with. Getting to the closing table text teamwork and Lyndsey is an integral part of the team. I would recommend her to anyone! -Michelle

We have worked with Lyndsey to finance our home and now working with her again to refinance. Both experiences have been awesome! She is on top of everything and communicates quickly. We appreciate her and the work she has done for us! We highly recommend First Choice Lending!! -Terra

Steve and Lindsey Logan are the most professional brokers to work with. They provide great customer service and are with you all the way through the process of your mortgage needs. I would highly recommend them to friends. -Donna

Lyndsey was so wonderful to work with on our recent home purchase. She was always very accessible and helpful to work with and made the hiccups we encountered along the way easy and non-stressful. -April

Steve and Lyndsey are great business partners! They have been one of my go to lenders from day one. They are both willing and ready to get my clients pre-approved quickly and then once the process starts they keep me well informed as well as my clients. I'm so happy to have them in my corner as a real estate agent. -Penny

Lyndsey and Steve Logan of First Choice Lending are two of the best mortgage lenders I've had the pleasure of working with. From start to finish the attention they give to their clients and business partners is unmatched! Highly recommend Lyndsey and Steve Logan! -Sarah

Great Team! Always reliable and Honest. - Coldwell Banker Jim Henry & Associates

Awesome group of lenders! I have closed more transactions with this company than I can keep up with and they are always, professional, great communicators and get it to the closing table! Can't say enough nice things about them! -April

Working with Steve and Lyndsey Logan at First Choice has been a great experience. These people are awesome with first time buyers, putting them at ease through a rather difficult process. They make the buying experience a great one. -Patti

I've worked with Steve and Lindsey on several homes that I've sold. Always professional and on time with everything we need. I highly recommend them for any of my buyer prospects. -Cheryl

Steve & Lyndsey Logan are both very knowledgeable in their field. I have worked with them since I started in the field of real estate. They have always been able help anyone I send their way, from potential clients who are asking questions to the clients that they attend closing with. A joy to work with and quick responses. Would recommend. -Micki

Steve Logan & First Choice Lending Services made the process of getting and securing a great mortgage really easy for us. My wife and I were really impressed with how personable, professional, easy to reach, and how highly organized and detailed Steve is. He truly has a heart of a servant. Thank you Steve for helping my wife and I navigate the whole mortgage process so seamlessly! - Chad

I have had the pleasure of working with Steve and Lyndsey Logan on multiple occasions and it has always been second to none! Their attention to detail, customer service, and knowledge of the mortgage industry is super! I never doubt they will take excellent care of my clients! I highly recommend them for all your mortgage needs! Call them today. - Darrin

Lindsey was great! Thanks so much! -Damarcus

Lyndsey and Steve worked tirelessly to lock in the best rate for our refinance. They answered all our questions and walked us step by step through the entire lending process. -Heather

Lyndsey was so helpful while working with me on purchasing my new home! She answered all the questions usually within minutes of emailing her! I highly recommend her and First Choice Lending! -Laura W.

Lyndsey waas absolutely AMAZING to work with. She explained every detail and ensured that my husband and i undedstood every step of the home buying process. I would recommend her to anyone interested in purchasing a home. -Janie W

Lyndsey was extremely helpful in assisting us with the purchase of our forever home. We had a tight timeline to work with, but Lyndsey and her team delivered every step of the way. She was also very good about explaining options as well as pros and cons with each scenario. I highly recommend Lyndsey and the First Choice Lending Services. -Shane

Lyndsey did a wonderful job making the closing process smooth, easy, and stress-free. She was very helpful explaining all of my questions and getting all of my paperwork ready and done on time for closing. I would highly recommend her to friends and family 5/5*. -Kevin

These people are the best! And Lyndsey Logan is the sweetest person to work with. -Ruth

Lyndsey was perfect to work with. She answered every single question we had, and made the process of purchasing our first home as smooth as possible. We called her several times, and she always helped us out. She was much appreciated! -Alexandra

Love the service we got from Lyndsey and First Choice! We were nervous about the all the details of buying a new home but they made so easy and painless. Communication was top notch and they answered every question we had quickly. I absolutely recommend First Choice Lending. -Bobby

Lyndsey was very helpful & very thorough & did an excellent job for us. We were under a very tight deadline & she came through for us with flying colors. Would highly recommend her & will absolutely use her services again in the future she we decide to purchase another home. -Nathan

Lyndsey Logan was an absolute Rockstar throughout the entire process!! She was very communicative and kept us in the loop every step of the way. If you are ever considering using another company, DON'T. They are your best bet!! Thank you Lyndsey and the entire team at First Choice Lending for a seamless experience!! We couldn't be happier. -Leanna

Lyndsey Logan was great to work with. She went above and beyond to make sure all questions were answered, we had everything we needed, and we understood the process. Being self employed I had to provide a bit extra paperwork and information, she made that process easy. I would highly recommend working with her! -Mike

Lyndsey was fantastic. She got back with me right away whenever I had a question. She explained things very well so I felt informed throughout the process. I would highly recommend her and First Choice Lending for those looking to buy a home. -Andrea

Awesome experience working with Lyndsey Loga. I am a first time home buyer and knew absolutely nothing about the process and she made it as great as it could be. Always friendly and helpful with any questions I had and explained everything very well. Thank you Lyndsey I highly recommend working with her. -Tucker

Very professional and friendly. Lindsay was awesome, she helped me on my first home buying experience. Highly recommended this company to anyone who are looking to buy a home in the future. -Scott

Apply with Meagan

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Email: marbic@fcls.com
Phone: 215-260-8044
NMLS: 2512926

Meet Meagan, a dedicated loan officer at First Choice Lending who brings exceptional client care and relationship-building expertise to the mortgage industry. Originally from Philadelphia, Meagan has called Knoxville home for the past decade, where she's built strong community connections and a reputation for outstanding customer service. Her extensive background in client relations has shaped her approach to providing personalized, attentive service to each of her mortgage clients.

Combining her deep understanding of the Knoxville community with her passion for helping others, Meagan is committed to making the homebuying process smooth and efficient for every client. When she's not helping families achieve their homeownership dreams, you'll find her bowling with friends in the Knoxville Sports & Social club, golfing with her fiancé Jordan, or exploring East Tennessee's trails with her dog, Tucker.

Reviews:

Meagan was very easy to work with and very relatable. I had, what I consider, a unique situation and she was able to structure my loan to include everything thing needed

Apply with Michael

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Direct: 865-392-4164
Cell: 865-248-9620
NMLS # 1613358
Email: mshadowens@fcls.com

Michael Shadowens has been helping people achieve their home ownership dreams since 2017.  He was previously a highly successful telecommunication sales representative and sales manager for over a decade.  He graduated in 2005 from the University of Tennessee with a major in Finance and a minor in Marketing.  Helping people and crunching numbers has been his passion for many years.

Michael lives in Knoxville with his wife Tiffany and their two children, Emory & Easton.  He is a die-hard VFL and enjoys doing just about anything outdoors when he is not working on mortgages.

Reviews:

First Choice Lending put me through the easiest home-buying experience I’ve ever had. They are very experienced, and are dedicated to making sure you get the home that you want without a doubt. Cannot wait to work with them again in the future! Thank you Michael, Josh, and Ashley for all of your hard work!

Josh, Michael and Ashley made my dreams come true by working so hard to get my first House so thank you to the team for all your hard work and patience with us!

My company has been working with Michael for the last 8 years. The loan process is smooth, quick, and delay free. All of First Choice Lending Services loan officers are very informative and patient with their clients.

Mike is a BEAST!!! He will overturn every rock, look behind every door, and follow any rabbit hole to find a way to make a home happen. As much as his constant calls annoyed me, I’m sure that my my constant calls annoyed him.
Mike worked relentlessly to help me achieve my dream home and start a new life. Mike is a tireless worker who cares about the lives he touches with his work.
I will trust him with all my future property needs. He is honest and trustworthy.
Thank you Mike! -Jennifer

Super helpful with everything and would highly recommend if you need help with getting a home!! -Shayne

Great service great people very blessed to have them on our side. Thank you for all your help! -John

Michael Shadowens made the home buying process a breeze. Any hiccup that occurred Michael offered a solution. Michael was also very diligent with everything that was sent in to ensure we got it right the first time. I would highly recommend him for your home lending needs. -Noah

I worked with Michael Shadowens. He made this process exceedingly quick and easy. He actively crunched the numbers during our calls and responded quickly when I needed him to. I did not work with anyone else at First Choice Lending Services, LLC, but Michael is a great asset on their team. 10/10 would recommend. -Triston

Me and my fiancé absolutely loved working with Michael and our realtor Noah they both communicated very well and kept us informed. After we had found a house and the lengthy buying process we had a fire that destroyed everything at my parents house and we were homeless. Michael and Noah both pulled as many strings and worked really hard to get us into our house quicker. The process was amazingly simple while working with him. We had heard many different stories about our friends looking for houses and having trouble staying in contact with their realtor and their lender, but since working with Michael we have started recommended him to those friends. We feel extremely lucky we ended up with Michael he was great about helping with information and answered any questions we had very quickly. He even dealt with us on weekends and late nights due to our work schedules. He was great at reminding us what was needed and where we stood in the process. If we ever go to buy another house we will be looking them up again. -Valena

Great job by Michael Shadowens!! Couldn't ask for a better loan officer. Worked a nice loan at competitive rates. Super responsive to our many questions and asks. Really appreciated the time he committed to helping us getting through some "speed bumps" in the appraisal process. Superior service overall. Would highly recommend Michael and this company. -Ralph

This man went above and beyond to get me the best APR he could, worked frivolously to accommodate my needs on my down payment and showed care and concern for another persons situation. I can’t recommend him enough! Thank you Michael Shadowen for your time and hard work!!! -Jonathan

Michael Shadowens was great to work with and worked really hard to get things done in a timely manner. Very understanding and knows his stuff. -Heather

Thank you for all your help throughout the loan process! We weren’t particularly easy clients to deal with, but Mr Shadowens knew every step we had to take in order to get us to the finish line!! I will definitely be sending my friends your way! Thanks for everything! -Dana

Michael was awesome he helped us every step of the way and went above and beyond to make sure we got what we need. I would highly recommend him to anyone, especially first time home buyers for his services. He was great!!! -Zach

I’ll drop a client if they won’t work with Michael Shadowens. He’s the only one I trust to get a deal done and answer my calls even at odd hours. 100/100 -Noah

It was quite the pleasure to work with Mike at First Choice Lending. My original lender fell through and Mike got the deal done in three weeks and I was able to still close on my original closing date. I would highly recommend him. -Dylan

Michael Shadowens done excellent for me. He helped in every way possible above and beyond his job. Works to get you the absolute best he can. Will use Michael for all of my mortgage needs highly recommended! Great experience. -Tyler

Worked with Michael on our home loan and he was so awesome! Walked us through every single thing step by step. We literally had zero issues because they were so upfront about everything and transparent about it all. Would absolutely recommend him and this company. Bonus, he and Ashley were both so friendly and kind. Appreciate them so much and so excited about our new home! -Lindsey

-Derek

Five Stars! -Chelsey

We had a great experience with Michael Shadowens! He was so helpful throughout the whole process of buying a home for the first time. He answered every question and went above and beyond. Grateful for such a wonderful first experience with home buying. Thanks for taking care of us, Michael! -Marissa

Michael Shadowens and First Choice Lending were amazing. This was my 2nd time using them and they are top notch. Very friendly, professional and honest. -Jarnagin

Michael was great and made it an easy process! -Sarah

Michael Shadowens at First Choice Lending is the go to guy. I was so nervous about buying my first house, but working with Michael made it so much easier. I highly recommend him to get you through any obstacle that you might have when it comes to buying a house. Michael if you read this, thank you once again for being there for me every step of the way. -Becky

As a first time home buyer, Michael and his team made this unfamiliar process a breeze! I would highly recommend Michael and First Choice Lending! -Heather

Working with First Choice was simple and they move FAST! Michael was my agent and it was like he was available 24/7 to help me through the process. Glad I found this place and even happier they had the connections to get my Home loan closed in this crazy economy! -Brent

Michael Shadowens helped us with our mortgage. The process was very easy! He explained everything to us and helped us all of the way through. I would highly recommend Michael and First Choice Lending! -Kelly

Our lender Michael was a great help on getting our purchase to get finished very efficiently. -Michael

I've been working with Michael Shadowens for about two months, and he has been nothing short of amazing. He's the kind of guy that would call/text me every couple of days, to make sure that I'm still feeling comfortable. Michael walked me through every document he sent until I was knowledgeable enough to navigate them on my own. Also, I would randomly call/message him throughout the day with questions. Michael was 'Johnny on the Spot' with his answers and response. -Kyle

Michael is the best lender I have ever worked with. -Cody

Michael was so responsive and helpful in our lending process up to the last minute. He works very hard for his clients and is very easy to get ahold of. Thanks so much Michael. -Bonnie

Michael has been the best at his service to my family. He has been available for me at a beckon call. And, I called for any and everything. He serviced my loan, then a separate loan for my daughter and is preparing to help my son with his home loan. I am so impressed with his service that I sing praises all day long. When we didn't understand how things worked, he took the time to explain things. He never treated me like I was bothering him or that I was silly to ask certain rudimentary questions. He was always patient and kind, but mostly...he was honorable. Im prior military...so I believe "say what you mean and do what you say." Five stars is insufficient to describe my approval and my ratings for such dedication to service. -Charles

My goodness, I had an excellent experience refinancing our home with First Choice. Michael was so quick and efficient throughout the entire process and provided clear communication, answering any questions along the way. I highly recommend First Choice and Michael Shadowens, if you choose them, you won’t regret it. Thanks y’all! -Daniel

Mike at First Choice Lending Services was great to work with. He consistently kept me up to date with the process. He explained each step while offering expert advice on each decision. -Tim

Michael Shadowens did an outstanding job! He was very responsive, and walked us through the whole process. I will be working with Michael and First Choice Lending in any future home purchases! -Daniel

We have had nothing but great experiences with Michael Shadowens at First Choice Lending. He was extremely helpful in getting all of the information together for our home refinance, and their communication is amazing. We will never work with anyone else. -Andrew

I dealt with Michael from here twice now and I couldn't be more happy with my experience and the service. If I buy another home I will definitely come back and use them. -Cody

Michael handled our loan for us and made the process as easy as possible. Would highly suggest using First Choice if you're looking to buy a house. -Jonathon

Our Loan Officer, Michael Shadowens, was absolutely phenomenal! Prompt service. Michael was proficient in providing the most efficient loan terms for our family. Communication was clear and consistent. Quick closing. I am not loan savvy and Michael helped me understand the process with ease! My family and I highly recommend First Choice Lending Services. Ask for Michael! -Nicole

Michael Shadowens is the best hands down! Best loan officer I have ever dealt with. -Terry

Michael made the entire loan process as easy as possible. He took the time to explain and discuss what was going on at different steps in the process. He was also willing to be available to answer questions after normal business hours and even on his vacation. In the future, I would definitely contact Michael and allow him to be our loan company for our next home. I would also recommend him to any family or friends in the market for a new home. - Derek

We appreciated the smooth transaction in obtaining a mortgage through First Choice Lending Services. We highly recommend working with Michael Shadowens. He was patient to answer all our questions. We never felt rushed or hurried even though we know he is extremely busy. And our turnaround time was succinct and not too stressful even with a cross-country move. -Amanda

Michael Shadowens helped me with consolidating a HELOC into my mortgage a couple years ago, and this year he helped me do a cash out refinance to pull out equity in my home and lower my rate. He always answered his phone when I had questions and he walked me through all my options as I dealt with the hurdles of financing as a self employed business owner. Couldn’t be happier with Michael or First Choice in making it easy to accomplish my refinance goals and enabling me to do some much needed home renovations. I send anyone that asks about lending to Michael because I know he’s reliable and will work to make it as painless as possible. A+ -John

Michael was great! Our situation was unique and challenging to say the least but he was patient, knowledgeable, and kind throughout the whole process of our mortgage refinance. Would recommend to anyone! -Brandi

Michael Shadowens was great to work with. -Shane

Michael was amazing! He made the process easy and was ahead of any curves that were thrown. Would highly recommend him. Very knowledgeable! -Robert

I highly recommend Michael Shadowens and First Choice Lending Service for everyone's mortgage needs. Michael was always just a phone call away if I had a questions or needed help. This company made everything easy for us. Thank you First Choice Lending Services and thank you Michael. -Lori

This was my first time to buy a home out of state and Michael Shadowens was extremely helpful! He took the stress out of buying a new home and was great about walking me through the process and keeping me well informed of next steps. Michael was very organized and quick to respond. He also gave me adequate time to provide documents for closing. I would highly recommend working with First Choice Lending Services and Michael! -Rachel

Michael was a dream to work with ... he was in constant communication and always had such a great attitude. He truly works FOR you and will exhaust every single option to help you, if necessary. He’s accessible, quick to respond and beyond efficient. I never felt in the dark though the entire process. Because of Michael and his hard work and perseverance, we have our dream home! “Thank you” will never be enough to express how truly thankful we are for Michael and all he did for our family. RUN - don’t walk - to give him a call to assist you!! He’s a rockstar!! -Brittany

Michael Shadowens was great to work with! He took the time to explain everything so that we understood exactly what was happening. He made us feel like we were family and not just a client! Thanks Michael for all you did! -Candi

We've closed quite a few loans for Michael Shadowens with First Choice Lending. He's always been a pleasure to work with. He is very knowledgeable and hardworking. You can tell he cares about every customer and does his best to make even the most challenging deals work out for the borrowers. -Connie

Michael Shadowens made the process of buying a home so easy and personable. I was a first time home buyer and had no idea where to start. He truly cares about his clients and what is best for them! Thank you Michael!! -Lauren

In real estate the client is the most important thing in the equation and that's why I've worked almost exclusively with Michael Shadowens throughout my career. He understands the importance of meeting dead lines and getting the deal done. He isn't the type to make you feel like just another client but rather his only client and that's huge. He has always taken the time to provide nothing less than the best care of anyone I send his way. My clients trust me to lead them in the right direction with many decisions and when it comes to lending he's the guy I steer them towards 100% of the time. He will get you to the closing table every time. I guarantee it! -Will

It doesn't get any better then doing business with Michael Shadowens. Unlike any other loan officer I have ever worked with. I am an insurance agent and every transaction is seamless. -Terry

Michael Shadowens is one of the coolest loan officers I've ever worked with! We have worked together on several closings and he is very knowledgeable and works hard! He is down to earth and straight forward which is exactly what you want in a loan officer! -Britt

Michael Shadowens is professional, Prompt, knowledgeable and supportive in every transaction. He treats agents as if they are part of the family and understands the high demands and the sensitivity of our business. -Nikita

Realtor Perspective: I’ve worked with Michael Shadowens, Hannah Nelson, Christian Cooper and Jeff Elrod so far with FCLS. The experience that a mortgage lender provides for my clients is almost as important as the experience that I provide! I was blessed to encounter that with this company after working with probably 40+ other mortgage lenders and companies. Great rates, excellent communication (available nights and weekends), and high-energy are traits of true leaders. I also have a ton of respect and admiration for Steve Shelton, who owns this company. I encourage ANYONE to get a second opinion on their rates with FCLS. These guys will save you money and treat you like family. Guaranteed. -Byron

Michael Shadowens with First Choice Lending is the best in the business . He is very attentive to detail and will keep you informed throughout the entire financing process . He helped take the stress out of the home buying process for us with his experience / knowledge of the business. Highly recommended and 5* service!! -Adam

I worked with Michael Shadowens at FCLS to get my mortgage for my new house. I am a first time homebuyer, and I had so many questions initially. Michael answered all of them and made sure everything was taken care of on time. He was very honest and professional throughout the whole process. Overall AWESOME to work with. -Emily

Mr. Shadowens did a great job guiding my wife and I through the mortgage process as first time home buyers. He was always polite, personable, quick and clear to answer any questions that I had along the way. It made the process as stress-free as humanly possible. I highly recommend him and First Choice Lending, LLC. -Andrew

Michael Shadowens was my loan officer and I will have to say he was the best at it all. He answered my phone calls in a very timely manner, was patient with my tech problems when I couldnt sign something on line he went out of his way to accommodate me. He has made the process a very smooth one for me. First Choice Lending is a very qualified company ( in my opinion). -Lu Ann

I've spent a very long, stressful year attempting to find and buy a house. There have been a lot of bumps in the last year, but literally the easiest part of this whole thing was working with Michael Shadowens at First Choice Lending Services. My situation was a little complicated due to a divorce, but Michael went above and beyond to help me find the best loan option for what I wanted and walked me through the steps I would need to take so we could move forward. He is friendly, professional and very quick to respond to any questions I had about my loan. He keeps you informed every step of the way so you always know where you're at in the process and what to expect next. I would highly recommend Michael to anyone who asks. -Laurie

We worked with Michael Shadowens from First Choice lending and we could not give higher marks. Phone and text messages were promptly returned and he genuinely cares for his clients and their wellbeing. We would work with him again in a heartbeat! Thank you Michael! -Pam

My husband and I just bought a townhouse in Powell and our loan officer “Mike Shadowens” was amazing to work with. If we had any questions or needed anything Mike was on it. Thanks for everything you did for us Mike we will be forever Grateful to you for making our move from Florida to Tennessee so much easier. -Herb and Bette

Michael was the greatest to work with he really made this easy for my husband and I. Thank you Michael we owe you all lunch. -Kimberly

The process was extremely smooth, to the point that I called a week before my closing to see what else they needed from me, they said that everything was clear to closed. I couldn’t be more happy with them!! -Ingrid

Highly professional! Accommodating and Michael Shadowens treats you like family, you’re not just a number! He was able to find us great rates and refinance our home to put us in a better financial situation! I strongly Recommend working with Michael Shadowens at First Choice Lending! -Willie

I spoke to a couple different lenders and Michael S. was the first one that easily answered my questions and got me approved. Michael didn’t sugar coat things, kept me informed on each step and even worked outside normal business hours to be able to get me in my home. I appreciate all he did for me and my family. Thank you! -Natalie

Micheal helped my husband and I buy our first home. He and our real estate agent work amazing together. He took us step by step . Definitely will use him again and will recommend him to anyone that is serious about buying a house.

I just recently closed on my home through first choice lending services. My loan officer was Micheal Shadowens. Micheal was always available via text message or phone calls, and worked really hard to get me to the finish line. I didn't quite get the apr I was hoping for but i did get a decent interest rate. My credit did take a hit right before I came to them so I understand. Well done. -Jack

Great To work with. Quick response time. Made the buying experience fun. If you need to refinance or new home give this guy a call you won't regret it! -David J

As first time buyers, my husband and I had absolutely no idea how things worked or what paperwork we would need to get done. Thankfully our loan officer Michael Shadowens held our hands through the whole process, step by step, overcoming any obstacles and helped us gather and sign everything we needed. I must mention that all of this was done with us being in Kentucky, and Michael in Tennessee! That's what really impressed us. Even with the distance, he made us feel like his office was right next door because his communication was excellent. If we had any worries or questions whether at 5AM or 10PM, his reply time was immediate.

We're very grateful for professionals like Michael getting us into our home and will definitely recommend him to our friends and family. - Perla V

Michael was absolutely the best! We had spoke with several lenders over the past year and a half and kept getting very bad advice on how to get to where we needed to be. We spoke to Michael, he gave us a game plan that we followed and we were able to get into a house in no time! He worked very hard on our loan, spent so much of his time and definitely went above and beyond when I am sure other people would have given up. We can't thank him enough for making our first home purchase possible!!! -Nikkie L

Michael was very efficient and very eager to help me get everything done that I needed to, to make sure that I was able to get the current house I recently purchased. The turn around time was quick and painless. -Derrick

Michael's calm assurances and expertise throughout the process made the financing journey much less stressful. He made sure that I was able to take advantage of loan opportunities that would save me money and was available 24/7 for any questions or concerns. Michael was very personable, encouraging and is definitely an expert in his field.

I am very thankful that I had the opportunity to meet Michael and to take advantage of his expertise firsthand. -Eileen

Micheal worked with me on 2 different homes and both times he was always professional and willing to do whatever it takes to get the job done. He was taking calls on the weekend, answering any questions we had. When a road block would hit us he would come up with multiple options. If your looking for someone to walk you through getting a home this is the guy. If i went to buy another home tomorrow there would not be another option then to use Micheal. he made the whole process much much easier on me and he will do the same for you. Even the realtor said Micheal would not have time to close our FHA loan on March 5th cause they typically take 45 days to close, Micheal closed on march 5th which was 27 days. This guy knows what he is doing and he is a pleasure to work with, you wont be disappointed. -Bobby

Couldn’t be happier with First Choice Lending! I worked with Michael Shadowens and was beyond impressed with his knowledge, professionalism, and consistency. He made the process of buying our home a breeze, and ensured all of our questions and concerns were answered. It’s rare to find a mortgage consultant that genuinely cares and that has your best interest in mind during this process. The service and compassion he has provided my family and I deserve beyond more

Apply with Olivia

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Cell: 904-655-2522
NMLS: 2556612
Email: ocreason@fcls.com

Olivia Creason is a loan officer dedicated to streamlining the home buying experience by delivering consistent communication, setting realistic expectations, and sharing valuable knowledge with realtor partners and clients. Not only does she provide knowledge in the field, but she also serves as a mobile notary, ready to assist local clients with their notary needs.

Born and raised in Jacksonville Beach, Florida, Olivia moved to Knoxville, Tennessee, in 2017 and graduated Magna Cum Laude from the University of Tennessee. Her background in the Title Insurance Industry as a processor and closer has equipped her to navigate and anticipate the complexities of real estate deals.

Olivia is an involved board member of Pints For Purpose, a nonprofit highlighting local charity organizations. She enjoys bowling with friends in the Knoxville Sports & Social Club league and doting on her dog, Bailey.

Olivia's main goal is to support the community and assist realtors and their clients by making the home loan process smooth and efficient. Whether you're a first-time homebuyer, looking to refinance, or need mortgage advice, she's here to help.

Reviews:

This was the second time working with first choice lending. Last time I worked with Brannon who was great. This time I had the pleasure working with Olivia. She was amazing through the entire process. She answered all my questions in a timely manner. There were several challenges with this loan outside of Olivia or my control, but she stayed on top of it ensuring everything was as smooth as possible. I would highly recommend and will use them again in the future.

We just closed on my cash out refi on my personal home. Olivia “Liv the Loan Officer” did an outstanding job. She was fast and responsive. Anytime you go through a finance situations there are always hurdles or more information needed. Liv acted quick to keep things on the timeline. I even had to go to a family gathering in Mammoth CA the day we were scheduled to close. The team organized a mobile notary to come see me at the hotel we were staying at. Very pleased with the service and my experience. Thank you Scott and Olivia!

Apply with Robert

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Direct: 855-751-2333
NMLS: 768370
Email: rklatt@fcls.com

Robert Klatt began working for First Choice Lending because of his drive for helping people understand and navigate the difficulties of first-time home buying. He wanted to use his experience in finance and the loan and mortgage industry to help first time home buyers find the best mortgage loan options.

First Choice Lending offers many loan options, including such familiar products as Fannie Mae loans, Freddie Mac loans, and home construction loans. Less well-known loan options are also available, including reverse mortgages, loans for the self-employed, and home purchasing investor loans. If a client needs a specific loan for his or her financial situation, then First Choice can create a personalized loan.

The role of employees like Robert Klatt is to help customers determine which loans best suit their situation and to customize or tailor a loan product to that financial need. Robert ensures that every customer has the loan product they will benefit from most.

Reviews:

Robert Klatt was very easy to work with and made the entire process a breeze! I would recommend using Robert! He is very knowledgeable and helpful

Robert Klatt is absolutely incredible. Very professional and attentive. He made me feel like I was his only customer, answering all my questions and getting back to me in a very timely manner. I was very intimidated with the whole house buying process, not really sure how to proceed but Robert really made it so easy for me. He found the best loan for me and walked me through each step, thoroughly explaining everything as we went along. I highly recommend Robert for any and all your house buying needs. He will go above and beyond to help and I can not thank him enough. I am now a first time home owner and I have to thank Robert for all his help and hard work. 12 out of 10 stars. Thank you Robert!!

Robert Klatt is absolutely amazing. Extremely knowledgeable, professional, timely, and aggressive for his client. And he is an absolute joy to talk to. Always positive. He made our home buying process so easy and enjoyable. Highly recommend Robert, will always be greatful for his help in purchasing our little piece of TN. We could not be more happy!

Robert K. was phenomenal! Working with him to buy our first home was a pleasure. Highly recommend him for your home loan needs! He made everything so easy, something I didn't expect with buying a home. Thank you for everything Robert!😊

I worked with Brannon and Robert and they were both fantastic! They reached out to me at every step and made sure all of questions were answered. I highly recommend using First Choice Lending as the level of care and communication can’t be matched by nationwide lenders.

Such fantastic people to work with. They helped us increase our scores to get a better rate on our loan and explained everything since we were first time home buyers, we had a TON of questions! Robert Klatt was such a lifesaver. 10/10 recommend!

Robert Klatt went above and beyond, such a pleasure to work with

Robert is a first class worker. He will go out of his way to take care of your needs and to make sure a deal gets done

Robert and Brannon were absolutely amazing! They were available day and night to answer questions we had. I personally got hit by identity theft and it hurt my credit. I was working on disputing it, but didn't want to put our plans to get a new house on hold. They worked together to make it affordable with just my husband when we had given up hope. They walked us through all the process and paperwork. Then on closing day, we hit a problem the seller didn't have a paper we needed to close the deal. They did everything in their power to make sure the paper was received and we closed that day, which honestly was so important to us. We had already sold the other house. They worked on everything handling realtor, title company, the sellers, just everything. I couldn't have asked for a better financing team. I recommend them completely, they gave 200%!

I can’t say enough about First Choice!! To say the least, they are AMAZING! Not only are they great at what they do, but they are also super nice people. I worked with Brannon and Robert to close on my new home. Their expertise made my rather unique situation very easy and I was always kept up to date. I would have an update from them without having to follow up with them first. As stressful as buying a house is, they made the process go as smoothly as possible. Highly recommend First Choice Lending!

Thorough service felt like Brannon and Robert had our backs being first time buyers!!!

Working with First Choice for my mortgage was a top notch experience. Robert Klatt was my lender. He was extremely knowledgeable and was very eager to help in any possible way. He went above and beyond. His communication was great throughout the process. He was even able to squeeze in a lower rate for me at the last second!

Very organized and fast response. I would highly recommend Robert to anyone looking for a mortgage! -Larry

Robert was extremely helpful in the whole process. I would highly recommend working with him. -Heather

Robert Klatt was amazing! He is very knowledgeable and answered all of my many questions throughout the entire process. I highly recommend! Thank you again Robert! -Brittany

EXCELLENT SERVICE! I would recommend Robert K. Many times over. Very responsive, knowledgeable, and kind. Robert was easy to talk to and worked hard to get us to our goal of a new home. -SB

This company is absolutely fantastic. I have worked with the same loan officer for 9 years on four different loans. They completely take the stress out of the financing aspect of buying or financing. -David

5 Stars is not enough!! Robert Klatt could not have made this process any easier. Robert was ON TOP of everything from beginning to end. It was so refreshing to work with someone who cared about this client, was knowledgeable and informative thru the whole process. Robert should be the face of First Choice Lending.....give this boy a raise!!!. Can't say enough, but thank you, thank you, thank you!! If you are looking for the right person and company to handle your next mortgage...this is the place to go. Highly recommended and will use them again if the opportunity arises. -A to Z Plumbing and Heating

We had been through several lenders in the past and have been house searching for 6 years. First choice lending helped us out tremendously. I want to specifically give a shout out to Robert Klatt for helping us out with everything. Couldn't ask for better customer service. He really knows what he is doing. He answered all my questions and made everything easy to understand. Overall great experience! Highly recommended! -Chad

Robert and his team were extremely helpful with our first home buying process. If it wasnt for them, we wouldn't have even had the opportunity to purchase our home. I highly recommend them! -Nikki

Robert Klatt is absolutely amazing! 10/10 recommend First Choice Lending, and Robert for such a smooth easy process! -Khally

We had the absolute pleasure of working with Robert Klatt. Robert made the entire process stress free and everything went smooth and on time for closing. I highly recommend First Choice Lending and Robert for your mortgage needs. -Anna

We just closed on a renovation loan with Robert Klatt and cannot say enough good things about our time working with him. This was our first renovation and the house needed significant repairs, so my husband and I needed a lot of guidance on the process and our loan options. Rob was happy to sit on a call and answer endless questions so we could get all of the detail we needed to feel comfortable. He is kind, thorough in his work, and a great communicator. We will definitely contact him again when we need to refinance or if we ever move. Thank you Rob! -Katherine

It was the first great experience ive had with a lending company robert was great if i could do 10 stars i would. -Jessie

Home buying can be very stressful but my loan officer Robert was their every step if trying to buy a home I highly recommend first choice thanks again Robert Klatt for everything! -Kendra

Can not tell you how perfect of a match he was for us! We were having a really hard time trying to figure out our loan until I found Robert. Ever question answer, updates received, easy email contact everything. I am recommending him to everyone make your loan process easier with Robert! -Madilynn

Robert Klatt was great to work with. -Jody

5 Stars for Robert Klatt and First Choice Lending Services. -Cheyenne

Robert made the process of buying a house so easy and straight forward, wouldn’t recommend anyone else to help with buying a home. 100/100 if you ask me. -Bryce

Robert Klatt was hands down the best! After 2 months of being drug threw the mud and waiting for a closing date with another company, I was referred to Robert (Rob) at FCLS. He was a life saver! I had transferred my job from PA and was running out of time on my rental. Rob had me closed 3 weeks after our first conversation!! Rob was in constant contact with me and always a pleasure to speak with, if I text him something that he could have easily answered with a yes or no reply he would still call me to explain and make sure I understood. Too many words to describe him but, professional, prompt, efficient, friendly and upfront are my first 5. He even called me after closing to make sure things went smoothly. I sincerely and respectfully hope he knows how much I appreciate what he did for me, I can not Thank him enough! I would absolutely refer him to anyone who is looking for a mortgage, don’t waste months like I did on someone from another company. Rob WILL be there for you! Rob Thank You again it was an absolute pleasure to work with and talk to you. -Jill

I have to express how thankful I am to this company and how awesome it is to work with Robert Klatt. I have always been impressed with every contact I have had over the years! - Bethany

Robert Klatt is absolutely amazing. Was such a pleasure working with him throughout the process of my home loan. Robert is highly knowledgeable, hard working and very positive and upbeat. I highly recommend him to anyone looking to become a home owner. -Gary

First Choice Lending was great to work with. We started out with a different lender who couldn't close the loan. I called First Choice and they was able to close the loan quickly with no problems. Robert was amazing! They can close the loan quickly and promptly. I have to give a big thanks to First Choice Lending. -Tara

I cannot say enough about our experience with First Choice Lending. Robert Klatt is awesome to say the least. His professionalism and hard work is first class. We cannot thank him enough for making the process seamless, efficient, and absolutely fantastic! If you're in search of a mortgage, do not hesitate to call Robert. He is the BEST!!!! -Angela

Rob is the most efficient and hard working mortgage person in existence. Not only was he able to troubleshoot my complicated situation, he worked tirelessly to overcome ever obstacle and road block I encountered. He was extremely informative and thorough and made an inordinately stressful situation a hundred times better with his explanation of the process and regular updates and check ins. His dedication to his job is obvious. If you want to working with someone who will do everything possible to help you, Rob is definitely the guy.

Robert assisted me 5 years ago in purchasing my home. I referred him to my parents who also had a great experience. He is very knowledgeable about all aspects of loan processing and options available. I am now selling my home and have, of course, come back to Robert as I am confident that I will get the best service available. I highly recommend him!!

After trying several other lenders with no luck, we were ready to give up. Then we found Robert at First Choice Lending Services. He was professional, friendly, and with us every step of the way.

Rob was such a wonderful person to work with. He was so helpful and knowledgeable and helped me as a first time home buyer navigate a smooth home buying experience. He was great at explaining things and making the process easy to understand. I really appreciate him and would definitely recommend him and use his services again.

Robert walked me through the process step by step and explained all my options with incredible detail. It really is intimidating to take out a loan when you have limited knowledge of the process and Robert took the time to educate me. He answered ever call even when he was home with a sick kid and called me without fail on schedule. I couldn't have been happier with the process and would implore anyone getting a loan to contact Robert.

I just want to say Robert Klatt is one of the nicest,helpful person around. Couldn't get no one to help until Robert he goes that extra mile to help. Me and my family couldn't thank him enough.

We dealt with two other financial lenders before we settled with Rob Klatt from First Choice Lending Services. We gave each lending service the same information and told them we wanted a conventional loan. The first two lenders went on to process the loan application without doing any additional research. Basically they just wanted to write a loan and move on to the next customer. However, Rob Klatt, through his research, found we had previous addresses that may indicate I was a veteran. He verified that I was and told me he could save me money by going with a VA loan. I had used a VA loan years ago and paid it off and thought it was a one time deal. Rob Klatt walked me through the process and provided me with detailed information for me to get my VA loan entitlement reactivated. I had almost daily contact with Rob as he followed up on the progress of the loan and continued to find ways to save me even more money. In the end Rob saved us thousands of dollars. He truly cared about getting us the best deal rather than just getting a loan finalized and moving on to the next customer. His dedication to his customers, his work ethics, and amicable personality made the whole loan process such a pleasure and success. I highly recommend Rob Klatt from First Choice Lending Services for all your loan needs. I'm certain you will be as pleased as we were with his dedicated service. Kudos to you Rob for such a fantastic job!

I never knew loan officers like Robert Klatt existed. I began working with Robert after a very bad experience with another mortgage company. He understood how important this home was to me and my family and he worked endlessly to make it happen. His work ethic is professional, yet he makes feel like you have known him your whole life. Among other things, he is knowledgeable, non judgmental, and goes above and beyond. I would recommend Robert 1000 times over.

Words can honestly not describe how blessed my family and I are to have come across Rob Klatt with First Choice Lending. We are not super wealthy, and were just looking to buy our first starter house for our family. We were qualified with a loan or two at the bank, and every time we went to make an offer, the bank kept giving us a big bunch of reasons that they wouldn't loan on this house or that. It was starting to look like our only option was maybe to have a house built, but if we did that, we would not have been able to afford to build one that would have met our families needs. We prayed about it, and along came a house we loved, and the sellers agent referred Rob Klatt to help get us a loan. I really didn't expect him to be able to help us, but I started going through the application process with him, and he was super knowledgeable, and started making real progress for us in just a few days. Rob didn't give me a bunch of reasons why I couldn't do something, he gave me understandable advice on how I could make it work. Rob took the time every step of the way to stop and explain things I didn't understand, he never made me feel stupid, although I'm sure I asked a few stupid questions. He was always respectful, caring, and there to help. My family and I thank God for Rob Klatt at First Choice lending, and anytime I have the opportunity to refer him, I absolutely will. Thank you soo much Rob!

Robert Klatt was amazing! My husband and I just purchased out first home, and we truly would not have been able to get through it without Robert! As first time home buyers, we had absolutely no idea what we were getting ourselves into, or even the first step to do so. Robert was so helpful and patient with us, there were several times that he answered all my questions before I even had time to ask! He made sure we knew what was going on every step of the way. He is wonderful at his job and makes you feel like you have nothing to stress or worry about. We were so thankful to have Robert along the way and would recommend him to everyone!

Robert was an absolute blessing! Being a first time home buyer is pretty scary but Robert was very kind and patient throughout the entire process. He was always quick to return my phone calls or emails and would explain every step of the process so I would understand. I, without hesitation, recommend Robert to anyone looking to buy a new home.

Robert is great he helped us through the whole process,always was answering questions we had. Great experience couldn't have asked for a better person and company to help us with our house buying.

If you want someone to answer all your home mortgage questions he is the guy! Extremely knowledgeable of all the processes, super punctual and patient! He is so knowledge the estimates he gives you on your total costs are almost spot on! I would recommend him to everyone!

Robert was amazing. We had so many delays when it came down to closing, including 2 weeks of horrible weather, but he still made our closing happen as soon as possible. We were first time home buyers, so we needed someone like Robert to help us through everything that went with buying a home. I would recommend him to anyone.

Robert was very helpful and walked us thru each step of buying our new house. He was very patient with our lack of technical knowledge on using email, faxes and the computers. He walked us thru each step with the title company.

Robert provided us with the kind of professional financial and lending information that we needed to close my VA mortgage. I'm sure, without his help, my wife and I would STILL be searching for a lender. Count yourself very lucky indeed if Robert is assigned to your account.

I was having such a hard time trying to purchase the home that I currently have. I initially tried to get help with another lender, but was turned down because the agent that was helping me with the VA Loan said that there was absolutely no way I could purchase it. The other lender also tried to pressure me into buying a different home. Luckily I came across Rob and got the home that my fiancé and I wanted with virtually no issues. Robert is very knowledgeable in his field and has great communication between the home buyer, the underwriter, the seller and his agent as well as the home buyers agent. If you are having issues buying your dream home, do not be suckered into just settling for another! Get contact Rob and he will get you the house you want.

Robert really knows his business, he made the process simple. His knowledge,experience and expertise was extremely helpful. It was the second house we bought, I don't remember having it this easy the first time. If your buying call Robert Klatt, he will really impressive.

Robert Klatt did an amazing job getting our loan closed! We applied for a difficult loan, the FHA 203k rehabilitation loan. We started off with a different mortgage company that ended up being a nightmare. After over 90 days into it and no end in sight we switched to First Choice Lending. Robert closed the deal in less than 30 days! We highly recommend Robert with First Choice Lending for his professional work ethic and expeditious timeline. -River

I had a fantastic experience purchasing my first home with the help of First Choice Lending Services, LLC. Robert Klatt provided us with top-notch services, making a daunting and unfamiliar process comfortable and easily navigable. He answered all of our questions, provided us with regular updates, and offered valuable advise every step of the way. I would definitely recommend the services of First Choice and Mr. Klatt to anyone preparing to embark on the journey to becoming a home owner. -Anna-Claire

Mr. Klatt made buying our first home stress free. He was quick to respond to any of our questions. He made us feel like getting our loan was his top priority even though I'm sure he had a million other things to do as well. I highly recommend calling him for your lending needs. -Bethany

My first home buy was simple and a painless process! Thank you Robert Klatt. -Kim

Robert help us get a house through a complicated process. He goes above and beyond helping to purchase a home with knowledge on every aspect of the purchase process. When we were having a hard time finding a house Robert was always encouraging and supportive, told us that there was a better home waiting for us.
His dedication to the job is obvious, but it is very rare to find someone who genuinely cares about his clients. We will never be able to repay him for his kindness and hard work. He is the best!!!!!!!!!!!!! -Kelly

Apply with Scott

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NMLS # 2372896
865-392-4159 (Direct)
865-335-4901 (Cell)
866-493-8659 (eFax)
Email: sburns@fcls.com

First Choice Lending Services LLC has been highly successful since its creation and has enjoyed tremendous growth. This is mostly due to two things: the quality of the employees working at First Choice, and the company's business priorities.

Reviews:

Scott was amazing. He found the best financing option for our situation, we did a 1031 exchange, which he was familiar with. He was very patient and explained the whole process. He kept us up to date on all the steps along the way. The closing was simple and went smoothly. We highly recommend Scott for all your financing needs.

Scott Burns with First Choice Lending has gone above and beyond for all of the buyers I have sent to him. He communicates well and creates a buffer of Worst Case Scenario numbers for my clients so no one is surprised by what they can afford. He will dig for a solution/loan product, and get after other lenders already said “no can do”

Scott was extremely informative and explained each step along the way. He went above and beyond by working around my hectic travel schedule to the point of discussing my interest rate options as late as 10 pm at night. Not only did he work around my schedule, he was able to secure needed documents that I had been trying to obtain for a month, within 10 minutes. Talk about going above and beyond! I highly recommend Scott to anyone in the market for a loan. He is excellent and will be my go to lender for future properties!

Working with Scott and Benjamin was so easy and convenient and would work in your best interest.

Couldn't ask for a better experience ??thank you Josh and Scott. First choice leading service 10/10

The experience was exceptional. Scott was friendly yet professional. He was easily assessable and patience. Scott was more than happy to work through the different options several times to make sure that I received the best product for my needs. He showed deep knowledge in his financial products. I have dealt with many loan officers in the past and Scott ranks as one of the best. I highly recommend his services and plan to work with him in the future.

Scott Burns went above and beyond for my family! Returning back to the Knoxville area was an easy choice. Working with Scott was an even easier choice. He helped us navigate our budget during times of higher interest rates. If you are looking to see if you can be pre-approved, give Scott a call.

Scott was the loan officer for my first home. He made the experience easier than I thought possible. As a first time buyer i had many questions about the process. I was super impressed with his knowledge of the Knoxville area and different loan programs. Thank you sir for all your help, knowledge and support.

went above and beyond tackled every situation that came up and solved every problem. highly recommend First Choice Leading. Thank you Josh and Scott. ??

I am an investor and I've been speaking with Scott Burns over the last 8 months on expanding my portfolio into his local market. I haven't found the right property yet, but I have ran him all over the place; pulling numbers, building strategies, and planning my growth. He is a busy person and I respect the heck out of him for being patient with me and not pushing me into a house, or a bad decision. He's always happy to outline properties I'm looking at and he gives me the knowledge on different options and runs over everything to make sure I understand. This empowers me to make the right choice for my plan, especially since I'm not physically there. I wanted to let First Choice Lending Services know that he's been an incredible asset to me. I look forward to continuing my relationship with him and your company!

It was a whole long week arranging and organizing our new home . Thank you so much Scott Burns and Josh McGill, you two are awesome, you have worked very hard the weekends and late evenings to make sure we made the closing schedule .
We can’t thank you enough for everything ,you have gone out of your ways to assist us. Love from the Straile

Earlier today (02/21/2024) my family and I closed on our very first home. Scott Burns was our Mortgage Consultant and he proved to be a true class act! From the very 1st point of contact, he was thorough, patient and easy to work with. He went above and beyond to get us into our home on schedule and never had any issues answering our questions and reassuring us whenever we needed it. Whenever we hit a snag in the process, he was quick to pivot and was solution-based. He has an awesome sense of humor too and that's always a bonus in my book! I simply cannot recommend him enough. If you're looking to buy a house, Scott Burns is your guy!

I am a General Contractor in the Knoxville area and there is a particular project myself and my client have been working on for 20 months. It’s a highly custom home spanning 9600 square feet on the ground. We have had so many hoops and hurdles to jump through to get to the stage of breaking ground and nobody other than Scott Burns could get it done. Scott and I will continue to do business together for one simple fact, that man never gives up. With every road block Scott kept at it, and never got discouraged. Scott excellent work and I look forward to many more projects with you. Cheers!

Just closed on our first house. Scott Burns was an amazing lender to work with, he knew we were just learning how to go about this process and never complained about answering a bunch of questions. He also was very easy to work with and all documentation and deadlines were met before they were even due. Overall this experience was a lot less stressful due to Scott's help. 10/10 would recommend.

I was about to sign up for another year at my apartment with my wife and kids and I reached out in November just to give it one last try before I got stuck with my apartment for another year. 45 days later I am a homeowner. Scott did an awesome job for my family and I hope more families realize they are closer to buying a home than they think. -Blake

Scott Burns did an amazing job. Made everything as smooth & quick as possible. -Reuben

Scott Burns does an amazing job. Truly goes above and beyond for his clients. 10/10 highly recommend! -Jillian

Easy close for the most part and the best deal we found! Thank you Scott Burns! -Victoria

I couldn't be happier to share my experience with Scott Burns as my amazing mortgage lender! He truly went above and beyond to secure a loan for me with a better rate and lower cost than the previous 3 lenders we had started with. But that's not all – his communication skills were top-notch. He kept me in the loop every step of the way and patiently answered all my questions. To top it off, he even managed to close my loan ahead of schedule. I really appreciated his attention to detail and how he made the whole process enjoyable by addressing all my concerns. If you're looking for a mortgage lender who will exceed your expectations, I highly recommend Scott Burns.Thank you for making this experience outstanding for me as a first time home buyer! -Jay

I am a first time homebuyers and Scott Burns was amazing to work with. I was anything but an easy client to work with. However, Scott always remained professional and I never once felt judged.tge week before closing there was one document we needed that we were having a hard time getting. When I felt everything was falling apart, he remains calm and professional and assured me that things would work. I'm not sure how he did it, but somehow he was able to get clear to close , and we closed on the projected date. I know he spent many hours on the phone with people and he went above and beyond to make it all come together on time. He told me all along to trust him and not worry. He was here to take that stress off of my plate. I never felt like just business client. I felt like he really did care, and he was just as invested as I was. I recommend Scott to everyone. It's rare today to find people in business that are really invested in you, and who go above and beyond to help you. I will never use any other loan officer. -Sam

I recently worked with Scott Burns on my construction loan for our new home. I was originally nervous about the process, but Scott was absolutely awesome! He walked me through every steps, down to explaining specific line items. He even answered my call on a Saturday afternoon! First Choice Lending certainly has an amazing asset with Scott on their team! I’ll recommend him to everyone! -Niki

Scott Burns is the best! Highly recommend!! Very knowledgeable, helpful and does great work. Truly goes above and beyond for anyone. He is your new GO-TO!
For all things lending he's got you covered. -Jillian

Our loan officer from First Choice Lending Services was Scott Burns. Scott is absolutely phenomenal at what he does! He kept us informed throughout every step of the entire process, and he did everything he could to get us into our home as fast and easy as possible.
Scott truly cares about his clients, he was there for us day and night, answering any questions we had through the process. He was super responsive, knowledgeable, professional, and overall determined to get the job done for us. We closed on our home in less than a month after starting working with Scott!
If you are starting the home buying process, definitely talk to Scott Burns! You will not regret it, we are so happy that we chose to work with him, and we will be working with him for every future home purchase of ours. Thank you, Scott! -Patrick

Scott Burns is an A+ mortgage/loan officer! I have partnered with him on some of his loans and I have seen the time, effort, hard work, and commitment he puts into being there for his clients. He will work overtime to make his clients happy and does everything with excellence. I feel lucky to get to partner with him! If you want an amazing home buying/lending experience, choose Scott Burns! -Whitney

Scott Burns Is amazing! He was so helpful, nice and knowledgeable on all fronts. He was able to explain things to me in a clear and concise way. His words and actions showed a genuine kindness and caring for helping me find the best solution for my situation! I would 100% recommend him! -Kindel

Apply with Stephen

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Cell: 865-296-3441
NMLS: 2636642
Email: swilk@fcls.com

Meet Stephen, a mortgage expert who brings a unique blend of personal coaching and customer service to the world of home financing.

With 7+ years as a personal trainer, Stephen excels at guiding clients through complex processes - now applied to your home buying journey. His background in restaurant management ensures top-notch, timely service for every client.

As a recent Knoxville homebuyer himself, Stephen understands the local market and the challenges of first-time home buying. He's committed to making your mortgage process smooth and understandable, whether you're looking for a conventional loan, FHA mortgage, or VA home loan.

Stephen's personal touch sets him apart. Married since 2018 and a proud father, he knows the importance of finding the right home loan for your family's needs.

Ready to start your homeownership journey? Contact Stephen today for personalized mortgage guidance and competitive rates!

Reviews:

Stephen has been the easiest person to work with ever. He’s super knowledgeable and willing to answer any question. He made me feel like buying a home was possible for me, and I have never felt that way before. He was quick and responsive to everything. He’s great! I will definitely be suggesting him anytime a friend or family member is ready to start their home buying process!

We had a great experience with Stephen at First Choice Lending. Communication was excellent and we knew what to expect through the whole process. Highly recommend!

Apply with Steve

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Direct: 865-392-4161
Cell: 865-437-7734
NMLS: 932276
Email: slogan@fcls.com

Many first-time home buyers become overwhelmed with the complexities involved in arguably the most important financial decision in their life. Steve Logan recognized this, and he decided to use his skills and knowledge to benefit home buyers and homeowners throughout Tennessee and Kentucky by joining the team at First Choice Lending Services, LLC.

Steve Logan not only has the desire to help first-time home buyers, but also the knowledge and innovative mind needed to craft a tailored loan option. No matter what a client’s financial difficulties or obstacles are, Steve will work with and educate them on different loan options so that together they can customize a loan product to best suit the customer’s situation.

Offering purchase and refinancing FHA loans, USDA Rural Development loans, VA Loans, Conventional loans, and Reverse Refinancing, he has the products to help you.

Steve Logan is a graduate of the University of Tennessee Knoxville and today resides in Hardin Valley area of Knoxville. Married to Lyndsey Logan, a loan officer with First Choice Lending Services, LLC as well, and two girls that attend Hardin Valley Elementary School, he and his family are active, contributing members of the community.

Steve Logan wants to help you and your family find where you can call home!

Reviews:

If i could give this company 10 stars i would. Lyndsey & Steve logan were nothing short of fantastic. We are first time homebuyers so i guarantee we asked (at least) 6 million questions & we were always met with a quick answer & kindness. From trying to get the best interest rate possible to handling all the paperwork, they made the process go SO smoothly & we are so thankful for them! We will always choose them when in the market to buy a home. Thank you again for being the best!! Could not recommend enough!

Steve Logan was excellent. He took multiple calls from me and helped throughout this process every step of the way. He even answered questions I had days after the closing. If you're looking for a lender, Steve is your guy!

Steve and his team are amazing. Fast loan process and very professional. I will use them again!

Steve Logan was excellent. He took multiple calls from me and helped throughout this process every step of the way. He even answered questions I had days after the closing. If you're looking for a lender, Steve is your guy!

I highly recommend working with Steve! This has been a great experience buying our home. Steve handled everything and made the process so simple and answered all our questions with confidence. You can tell he knows exactly what he is doing!

Steve Logan is AWESOME to work with! Takes time to answer questions and explain things thoroughly. Looking forward to working with him again in the future!

Steve did a wonderful job and was very informative and available throughout the entire process. Would recommend to anyone!

Had the pleasure of working with Steve from First Choice Lending & had an excellent experience. Steve went out of his way to make the process easy & fast. Would recommend his services 100%

Steve was super nice and extremely knowledgeable. He helped us get cleared to close with our more difficult situation in just a few weeks. He has great follow up and made sure we always know what was going on. We really appreciate him and First Choice for making this normally stressful event very pleasant.

Steve Logan has helped me and my wife through the process of building/buying a home.
He is super resourceful and is always going the extra mile to put his customers interests first. He is honoring and works with integrity. We are super grateful for Steve in helping us with our first house purchase!

First Choice Lending is our go to for lending services for our clients. Steve Logan always has their best interests in mind. Smooth transactions and great communication!

Steve was great! Very knowledgeable and detailed in every single step of the process. Highly recommended!

Steve been amazing, love working with him. He has the best customer service. The best!

Steve Logan made the process very easy, he was very professional, good communication and all questions answered and all needs met in a timely manner. Overall experience was excellent! -Stephanie

We couldn’t have had a better team work with us on our dream home. Very professional in all aspects. We are very thankful for having them on our side. -Devon

Incredible people with an incredible company. They helped and answered every question and concern we had while buying our first home, regardless of how small or silly it was. Lyndsey is so nice and jumped through so many hoops to help get us where we needed to be for our home. -Olivia

We bought our first house and had no clue how to start out and thankfully Steven Logan showed up and talked us through the whole process. He is very professional but also makes you feel like family. If you are in need of a lender I definitely recommend him and first choice lending services! -Melissa

Steve was great. I would not hesitate to go through him again. -Kaylee

As a Realtor, I've worked with Steve for many years now and will continue to refer him to my clients needing a mortgage lender. Steve's most appreciated qualities are his strong communication skills and follow up between you and the client. He's always keeping us updated and informed. If you're looking for a knowledgeable and experienced lender, contact Steve Logan with 1st Choice Lending! -Wendy

First Choice lending with Steve Logan is GREAT! If you need a loan, this is where you go. Nice people. Great business experience. -Morris

Everyone at First Choice Lending is awesome!! They’re fast, thorough, and accurate. They communicate and work well alongside agents to make sure clients know what to expect next. It’s always a pleasure to work with their team to make the home buying process go smoothly. -Amber

Steve and Lyndsey are always a pleasure doing business with. Always very professional, prompt to answer and return phone calls, even after hours. 5 star business team for sure!! -Anneke

Steve is top tier. He is super knowledgeable and very attentive. Our loan closed in eleven days from underwriting to the closing table. That’s a impressive team! We will always be appreciative of Steve and Lyndsey Logan. -Amanda

100% 5 star for Steve and his staff at first choice lending services. My wife and I used Steve as we bought our first house. He made our experience so much easier. Answered all our questions and did everything he could to get us approved for the amount we felt comfortable with. I would high recommend First Choice Lending Services to everyone! -Chris

Steve Logan in one word, is Absolutely “AMAZING “!!! Steve went above and beyond my expectations to explain and answer every question or concern I might have. He even assisted with locating Home Owner Insurance Quotes!
Steve gave us the same advice, patience and kindness, that he would give to his own family. I would highly recommend the services of Steve Logan and First Choice Lending Services! -Bobbie

Steve and Lindsey were very helpful to my client. They kept us updated, communication is key. Everything was handled in a very timely manner. Exceptional service! -Teresa

Steve Logan is a great loan officer. He is honest and straight to the point. I would recommend him to everyone I know. He is a no-bs loan officer and Answers any question you may have. -Chris

Steve Logan was such a great help throughout the whole process. He really invested his time in helping my husband and me understand how the loan would work and get the best APR possible. He was super patient and friendly which made us feel really comfortable. Thank you Steve for helping us! -Jocelyn

Steve and Lyndsey Logan and their team are always a pleasure to work with! The transaction is always smooth and on time, and they are very proactive and knowledgeable. As a title agent, it is great to work a closing with them because I am never left waiting for things we need, and they keep the transaction driving forward to the closing table. Choosing the right lender makes all the difference!! -Vanessa

Steve communicated throughout the process. Great to work with and will do business again. -Chris

Steve was great to work with. He was constantly going the extra mile, answering all of my questions, and doing everything in his power to make sure purchasing our first home was a great experience. He is extremely communicative and can always be reached by text, call, or email. I think I spoke to him day, evening, weekend, even on his vacation! I would wholeheartedly recommend Steve to anyone looking for a lender. -Taeva

I have loved working with Steve and Lyndsey Logan to help my clients become home owners. They are knowledgeable and always responsive. Would definitely recommend to anyone needing to finance or refinance a home. -Lindsey

First Choice Lending, Steve Logan and staff are wonderful to work with, very professional and quick to answer my questions. Great company to use! -Dana

Steve Logan helped me and my wife in the process of buying our house. He was fantastic, and walked us through every step of the process. He helped us look at options and decide what was best for our family! Highly recommend! -Tyler

Steve is always great to work with. He always answers in a timely manner, is always helpful, and gets the job done! I highly recommend Steve and Lyndsey for all your lending needs! -Elaine

We had an excellent experience with Steve Logan. We had an opportunity to purchase in a very short time frame and he was able to get the job done very smoothly and with clear communication. -Nathaniel

I’ve been working with Steve for four years as I attempted to find a home. He was always patient with me, willing to provide information and options, and moved quickly when we were finally ready to make a purchase. I’m so grateful for his help - you won’t find anyone better! -Samantha

Very impressed with experience and knowledge that Steve Logan has, he answered all my questions, and helped with anything I needed to get paper work done on time. Will recommend highly. -Eric

I have worked with Steve and Lyndsey personally and professionally. Absolutely amazing!! They go above and beyond to get things done. They keep your best interest in mind and treat you like family. -Amber

We worked closely with Steve Logan. He was always on top of things, answered any and all questions and made the home buying experience smooth and enjoyable. -Kenneth

Steve and First Choice were great! Very responsive and supportive from the mortgage approval through closing. We highly recommend Steve and the team at First Choice! -William

Great service. Steve kept me informed every step of the way through the process. Answered all my questions. He's honest and helpful. Anyone who is fortunate to work with him is getting the best. I will not hesitate to recommend him in future. Best lending experience I have ever had. -Glenda

My husband and I are in our dream home due to the outstanding efforts of Mr. Steve Logan. He worked diligently, checking all options, to get us the best rate. He was always available for our questions and concerns. He made the process of buying a home a pleasure. Mr. Logan is your man if you are looking for a caring professional in the lending business. -Michelle

Steve and Lyndsey were very accommodating to us and our individual situation. They helped us explore multiple loan options and explained everything on a level that would could understand. They were always available for questions that we had and never left us hanging. Will absolutely use them again for our next home! -Jordan

Steve Logan from First Choice Lending was a God sent! He really helped me sort through the challenges of figuring things out as a first time home buyer. I appreciate his honesty and consistent follow through during each step of the process. My situation was a little tricky, but he did the work and made things happen. Couldn't be more happy with the service I received from Steve and First Choice Lending! -Jonathan

I highly recommend Steve Logan. His professionalism and knowledge of the industry is outstanding. He assisted my family in securing a mortgage in a complicated situation quickly and at a very reasonable cost. -Vincent

Steve Logan was great at researching and explaining our options and I really enjoyed working with him. -Ashley

My wife and I were more than completely satisfied with Mr. Logan’s dedication and professionalism. We will gladly seek his services again should we ever need them, and would also highly recommend him anyone, including friends and family. -Rick

Steve Logan was excellent with helping buy my first house. Answered all my questions in a timely manner, figured things out to benefit me the best in the long run. Definitely recommend you guys go to him!

Lyndsey and Steve Logan went above and beyond for our home purchase. We relocated from Florida to TN and recently purchased a beautiful home for our family. Lyndsey is very knowledgeable and always quick to respond to any questions we had! The process couldn't have gone any smoother. We will definitely be recommending First Choice Lending to any friends or family that are looking to purchase a home in the future! -David

It was an absolute pleasure working with First Choice Lending Services. Steve Logan made us feel comfortable with all of our decisions and we truly feel like he was our advocate and always looked out for our best interests. We were truly blown away by how hard he worked for our family to get the very best rate possible and how he was always so kind and gracious and answered every question we had with such patience. 10/10 recommend working with this amazing company and wonderful human! -Luke

We could never find a better loan officer than Steve Logan of First Choice Lending Services, who was highly recommended by our excellent realtor, Heather Cook of Keller Williams Realty. He is so helpful, diligent and treated us like friends, not just clients. He is on top of his game, guiding us through a stressful process. He anticipated issues that may come up which prepared us to overcome it. He always kept us updated throughout the entire process. During critical times, he unselfishly worked beyond his working hours and even gave up his weekends to avoid further delays which were out of his control. He is such a pleasant person to work with and we will definitely recommend him and FCLS to our friends and family who want to relocate to East Tennessee. We gained a friend during this process and are so happy to be his new neighbors. -Jasz

Steve Logan with First Choice Lending was amazing! He was professional and informative. Our experience was excellent. -Tina

Steve was excellent and very helpful to me and my family with the entire home buying process. I don’t think I could have chose a better lending company to go with. I would highly recommend him and I have. Thank you for everything. -Shanda

Steve Logan always does phenomenal work for any customer I bring his way. He is very professional and always exceeds my expectations. -Rebecca

Steve was fantastic to work with. Every question and every concern were addressed immediately, even if he was home for the evening. He and the title company worked together to resolve estate issues with the seller. I highly recommend Steve Logan as a mortgage broker. The experience was flawless. -Lynne

We've worked with Steve multiple times now, and have recommended him to our friends and family. Very helpful throughout the process, answered all my questions, and great to work with. -Isaiah

I worked with Steve Logan, he was the second loan officer that I had to go through, because the original officer’s company could not complete my loan requirements and we had came across several issues trying to close on my home, but he worked very hard and was able to get the job done. Great guy!! -Gary

Steve Logan was very helpful in a recent real estate transaction. He came highly recommended by an agent / friend of mine. He did not disappoint with all his knowledge of the best way to purchase my condo. We ultimately didn't use a bank and made a cash transaction, but he still took the time out of his schedule to help me make the best choice in my best interest. Steve deserves a great review for his help and trustworthiness. I highly recommend him to anyone wanting to finance a home. He will take the time to listen and get the best possible solution for buying your next rental or dream home. -Elizabeth

Steve and Lyndsey Logan are the ultimate professionals. Our experience with them was outstanding. Wonderful people! -Jason

We would like to say thank you so much to Steve Logan and the staff at First Choice Lending Service For all their hard work and dedication to helping my family and I refinance our home yesterday. Their expertise is impeccable and their integrity and honesty is second to none these guys really know what they’re doing and that is the reason why we are now returning clients. My family and I want to say Thank you so much to Steve Logan and staff. May God Bless you all. -Jalisa

Seven years ago when my wife and I purchased our first home, the staff at First choice lending service was referred to us by a family friend. They worked so hard for us finding us the best rates. Our finance officer Steve Logan was always open and honest with us and we always felt like he was out for our best interest and not just to make a sale.I would like to thank him for helping us refinance our home yesterday and getting us an even better rate, you guys do great work please keep doing what you’re doing and helping our greater Knoxville community grow healthy and happier homeowners and families. Thank you so much Steve Logan and staff for making this process such a great outcome. May God Bless you all. -Brandon

Steven Logan was excellent and very trustworthy. -Jake

10/10 would recommend to our friends and family! Incredibly professional and personalized service. Steve Logan went above and beyond to answer our questions and coordinate with our real estate agent and the underwriter to accomplish the mission. (Even returning calls after hours or on weekends to address our concerns) We value his honesty, integrity and dedication. If we ever need lending in the future First Choice Lending will be our first call! -Jessica

Steve Logan is an awesome lender. He cares about his clients and helps them understand the differences in the loans that they qualify for so that they can make an informed decision and will be comfortable and happy with that decision. I highly recommend Steve if you are looking to purchase or refinance your home. -Heather

Steve and his team walked me through each step of the process. They were always available when I needed them or had questions. Would highly recommend them!!!! -Lexi

Steve and Lindsey Logan are the most professional brokers to work with. They provide great customer service and are with you all the way through the process of your mortgage needs. I would highly recommend them to friends. -Donna

We love working with Steve. He keeps everyone updated & tries his best to make things go as smooth as possible! -Amber

I spent over one year trying to find the right house for myself. I am a disabled, US Army Veteran, I needed a house that was all on one level, as I don't do well with stairs. Once I found the right house, then the really hard part started. The people from Coldwell Bankers got me in touch with Steve Logan to help in the financial process and all matters there in. Steve started off running and he kept encouraging me to not give up and keep on persevering with the purchase of my house. Due to my health problems several years ago I had to medically retire from my US Federal Job and living on the retirement at that time would not allow me to pay my bills and a house payment. I lost the house and then had a bankruptcy on my record. I guessed I would never be able to get another house. Once my life changed and I was able to recover from such a hard financial blow; I figured I might be able to get back into a house of my own. Rental cost of an apartment and all of the restrictions that go along with renting were just crushing my spirit. Steve began working with the different ways I could go about financing my new house. I wanted to go with a VA backed loan, but never believed it would happen. With Steve's close personal contact with me and his professional advise, as well as his constant encouragement; it finally happened. The VA Loan was approved, only in part to Steve's diligent efforts and his professional caring about me and my desire to get a house that I was going to be happy in and could live in for the rest of my life. Steve with his truly personal efforts, was there for all of my needs and, even my calling him at home and on weekends and nights. He never got upset with me; he has led and guided me through the many stumbling blocks and rejections in the loan process. His efforts landed me into my new house. If anyone can work with you and get you into the house of your dreams, it is Steve Logan. I give him 5 Stars, and a true Thumbs Up on the way he took care of me and my housing needs. Only through his diligent efforts and his personal concerns, am I now living in the house of my dreams. By the way Steve helped me save money on the financing of my house. Thanks Steve for a job well done! I will never forget you and all you did for me. I would recommend you to anyone wanting to purchase a house and work with you to get the best deal possible. God Bless you and your family. -Bill

Steve and Lyndsey are great business partners! They have been one of my go to lenders from day one. They are both willing and ready to get my clients pre-approved quickly and then once the process starts they keep me well informed as well as my clients. I'm so happy to have them in my corner as a real estate agent. -Penny

Lyndsey and Steve Logan of First Choice Lending are two of the best mortgage lenders I've had the pleasure of working with. From start to finish the attention they give to their clients and business partners is unmatched! Highly recommend Lyndsey and Steve Logan! -Sarah

Steve and Lyndsey exhibit a high level of professionalism in their business endeavors! We appreciate being a business partner with them, as their customers are always happy with the level of service they provide. If you are in the market for a mortgage loan, new purchase or refinance, you can't go wrong with Steve and Lyndsey! -Lindsey

Great Team! Always reliable and Honest. - Coldwell Banker Jim Henry & Associates

Awesome group of lenders! I have closed more transactions with this company than I can keep up with and they are always, professional, great communicators and get it to the closing table! Can't say enough nice things about them! -April

Working with Steve and Lyndsey Logan at First Choice has been a great experience. These people are awesome with first time buyers, putting them at ease through a rather difficult process. They make the buying experience a great one. -Patti

I've worked with Steve and Lindsey on several homes that I've sold. Always professional and on time with everything we need. I highly recommend them for any of my buyer prospects. -Cheryl

Steve & Lyndsey Logan are both very knowledgeable in their field. I have worked with them since I started in the field of real estate. They have always been able help anyone I send their way, from potential clients who are asking questions to the clients that they attend closing with. A joy to work with and quick responses. Would recommend. -Micki

Steve Logan & First Choice Lending Services made the process of getting and securing a great mortgage really easy for us. My wife and I were really impressed with how personable, professional, easy to reach, and how highly organized and detailed Steve is. He truly has a heart of a servant. Thank you Steve for helping my wife and I navigate the whole mortgage process so seamlessly! - Chad

I have had the pleasure of working with Steve and Lyndsey Logan on multiple occasions and it has always been second to none! Their attention to detail, customer service, and knowledge of the mortgage industry is super! I never doubt they will take excellent care of my clients! I highly recommend them for all your mortgage needs! Call them today. - Darrin

Steve Logan works hard for his clients to give them the best loan experience that is streamlined and with a smile! All the customers leave the closing room happy and satisfied to have had a smooth closing process! -Michele

I've worked with Steve Logan for several years. I could not ask for more in a lender. He is knowledgeable, responsive, and totally

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Cell: 865-850-6053
Office: 865-392-4160
Fax: 865-392-4176
NMLS 258102
Email: tblevins@fcls.com

First Choice Lending, LLC is dedicated to its customers, serving a wide range of clients throughout Kentucky and Tennessee. The company is based out of Knoxville and Nashville, and primarily handles mortgages and home loans. Tony is one of the many highly successful agents handling lending and mortgage problems for families and individuals throughout both states.

First Choice has set itself apart from other lending services by not only offering standard and recognized loans but by customizing those loans to best fit their clients’ needs. Thus, while Fannie Mae, Freddie Mac, home construction, and property-only loans are available, Tony and coworkers also tailor loan products to their customers.

Tony has been remarkably successful at understanding what is needed by his clients no matter their financial circumstances or logistical obstacles. His efficient customer service and ability to innovate and find the best solution for his customers has made Tony a valued member of the First Choice team.

Reviews:

Tony is a awesome person. He worked hard with me to get everything done. He has put up with the run arounds. He helped me get some stuff i needed to close on my house. But in the end tony is patient and kind. He will get you to the house buying position. -Joseph

Tony Blevins did an awesome job dealing with all of the stressful details that we didn’t have time to deal with while trying to buy our house. He made things as smooth and easy as possible. I am very grateful to him and i would recommend him and First Choice Lending to anyone trying to buy a home! -Angela

Mr. Tony Blevins went way beyond to assist me with my home loan. I don't know any other loan officers that would have done what he has done for my family. thank you so much with all your help and assistants. -Milton

Tony Blevins is the best! He was very patient with my wife Valerie and I in making our decision on that perfect house that fit our wants and needs. Tony helped us in every way to make this opportunity a comfortable and easy transition. Tony went out of his way to make this happen and gave us sound advise in helping us get into our new home. Tony is not just someone that once the deal is done it's over but a life time friend. He's like a brother to us and we will always appreciate him. God Bless you Tony, Merry Christmas and Happy New Year. -Tim and Valerie

Very great experience with Tony Blevins! I'm a first time home buyer and he patiently waited on me to get information and assisted me through the entire process! And checked up on me after the purchase was made, to make sure i was moved in and happy with it! Great associate, great company. -Justin

Tony Blevins was very personable and professional. He was a huge help in our journey to home ownership. -Lacosta

9/4/2019
We were very pleased with our service from Tony. Before we even moved to Tennessee, he was hard at work. He took the time to find out what our needs were and then proceeded to get us exactly what fit those needs.
Through out the entire process, Tony worked very hard on our behalf. We were kept informed every step of the way and was always there when we had questions. When you're moving from another state, it was reassuring to know that Tony was on top of things.
I would highly recommend Tony to Family and friends. -Mark and Janna

Tony is our hero. he really went above and beyond to make sure we got the home we wanted. Answered calls after business hours, went out of his way to pick up paperwork. Tony is a true super star .....Has our recommendation every day of the week.Thank you SOOOOOOO MUCH!!! -Bill

Tony has been an outstanding lender throughout this entire process. He is friendly and very down to earth. I knew I could always call him with any concerns/questions at any time even late in the evening if I needed him. Our home loan process was quick and painless. Couldn’t have picked a better lending professional/company. -Jennifer

I would most definitely recommend First Choice Lending. They were very thorough which I liked. Tony Blevins made this dreadful process much easier than expected! There were times when I would text him after hours and he would respond with no problems! He made sure everything was turned in appropriately, and I generally enjoyed talking with him almost every day for roughly one month! He has a great attitude and seems to really enjoy his job! He also was able to move our closing date up a few days which was a nice surprise! Thank you for EVERYTHING Tony! -Alyssa

Tony did an awesome job at helping us achieve our dreams of home ownership. He lead us in the right direction of all the paperwork and craziness that comes with buying a home. It had its ups and downs but Tony got us through the whole process with ease. I'd recommend Tony to help with buying a home any time. -Daniel

Tony has went above and beyond through our whole mortgage process. He was always on top of his game and always made sure to answer any questions we may have had (and we had a lot!!). We talked to him so much that it's like he's part of the family. I would recommend Tony & First Choice Lending to anyone looking for a home loan. Thank you Tony from the very bottom of my heart for all your hard work and dedication!!! -Rebecca

Worked with Tony Blevins on the purchase of our new home. Tony was very attentive, easy to reach and helpful with the process. He was also at our closing to answer last minute questions. Thanks Tony. -Kristin

Working with Tony Blevins was a pleasure. Really appreciate all his hard work getting us to closing. -Eric

Our loan officer went the extra mile to get things done and we can’t thank him enough for all he’s done! Thank you First Choice Lending and a special thanks to Tony Blevins! -Junior