Knoxville Branch

Apply with Amber

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Direct: 865-392-4174
Cell: 865-888-3019
NMLS # 1781424
Email: apiehl@fcls.com

Prior to attending the University of Michigan where Amber studied economics, she was an enlisted member of the Air force. Because of her background, she understands the importance of making the transition into a new home hassle free. She is able to connect with her customer in a way that makes them feel confident so that the difficult and complex financial decisions are seamless.

Reviews:

Amber is our go to girl for our loan needs. She goes above and beyond for our clients. We appreciate all she does for us and our business - Better Call Brisco Team at United Real Estate Solutions. -Lori

Huge THANK YOU to Amber Piehl! She educated me about so much and took my worries away! Wonderful customer service! So thankful to have worked with Amber and I’ll DEFINITELY refer her to others! Amber is the best! 💜💜💜 -Sabrina

After talking to 4 different lenders Amber was by far the best. I can not say enough about her communication and transparency, she educated me on the process and gave multiple options, she would always reply promptly even on the weekends. Thank you Amber!!! -Darien

Amber Piehl was fantastic to work with! She did everything she could to find us the best rate on our mortgage, walked us through every step of the way, and was so professional. We didn’t stress one second working with her because we knew we were in great hands. Thank you Amber! -Carol

Amber was so great in helping us with financing our new home! She was available anytime we had questions during the whole underwriting process, and keeping us in the loop about anything that came up along the way. Her calm demeanor assured my wife and I during our first home purchase, and allowed us to enjoy the whole experience, knowing that we were in good hands. -Jeremiah

Working with Amber Piehl was great, she and her team made our transaction such a breeze! I'm a Transaction Coordinator and work with lenders everyday. Amber is definitely above par, I highly recommend! -Jennifer

Amber is amazing! Very knowledgeable, professional and kind! I definitely recommend First Choice Lending, Services LLC! -Amanda

We just closed on our home and we worked with amber, we are first time buyers and this woman worked miracles to get us into our home. She is very dedicated at what she does, and will try everything in her power to get you approved. We love her and would recommend her to anyone 100%. -Elizabeth

Amber is amazing!!! She was with us through the entire process till the end. There were many days when she showed us light at the end of the tunnel. We are first time home buyers. -Lisa

Amber at First Choice worked hard to make my closing as smooth as possible, even when there were unexpected bumps in the road. I’d recommend her to anyone! -Meghan

Amber Piehl, just closed a loan that had more issues than I have ever experienced in all my years of real estate. She made the impossible possible, I am extremely impressed and look forward to working many other projects with her and this company, I can’t recommend her or this company enough. -Teresa

Amber Piehl is great! She works around the clock to make sure the closing process is as smooth as possible for her clients. For anyone looking for home financing, I would definitely recommend reaching out to Amber at FCL. -Parker

I love Amber!! She stays in contact with me every step of the way! She has a great relationship with her clients, she is very personable! I don't have to think about the loan at all because I can trust her to handle everything! She is lovely to work with, I highly recommend Amber!!! -Lesa Darnell Realtor

Amber At first choice mortgage is the best lender that I ever worked with in my 20 year career as a realtor. Really, there’s nothing she can’t do. And if she can’t do it, it can’t get done. My confidence is 100% in her abilities to get loans done and close. I recommend her to anyone who’s trying to buy a house.. She’s very knowledgeable courteous and simply awesome! -Kenneth

Amber is 100% my go-to loan officer when I have a buyer in need of a pre-approval and loan. She is always very responsive and eager to help! I will continue to call her when needed & use her for my next home loan! -Denisa

I love Amber!! She stays in contact with me every step of the way! She has a great relationship with her clients, she is very personable! I don't have to think about the loan at all because I can trust her to handle everything! She is lovely to work with, I highly recommend Amber!!! -Lesa

Amber is the best! The process of buying a home is not easy...especially for someone buying one for the first time. Amber is the best got me everything I needed went above and beyond my expectations. Amazing customer service and a genuine person. I highly recommend this lender. -Brett

I started my buying a new home process in January and Amber from the beginning was great. She encouraged and really worked at making sure I knew every step needed and was always available to talk or text or email. We had a bumpy road with the usual not finding the right house and inspections failures and challenges chasing down all the correct financial documents. Then the pandemic hit and I was furloughed and lost a house just 10 days from closing. Luckily I was back to work 14 days later but then we had to start the process again. We had the joy of the next one being new construction and dealing with builders on top of everything else. It all ended up for the best and I'm signing on the doted line tomorrow!! Amber was a great loan officer!!

My husband and I were buying a new home together and we worked with Amber Piehl with First Choice Lending. She is amazing and so sweet. She walked us through everything and explained each step to us perfectly. She worked so hard to close our loan. I would recommend her to anyone looking to purchase a home. -Sarah

We were helped tremendously by Amber P. in purchasing our first home! After a bad experience with another loan officer who had dropped the ball on us making it to were we wouldn't have closed on time, Amber stepped in and worked all through the weekend to ensure we were able to close. -Amber

Amber Piehl is more than awesome. She got my loan processed earlier than the original closing date. Thank you so much. -Karen

Amber did a GREAT JOB getting our loan put together, she was able to do everything in a timely manner with no surprises. Seems extremely knowledgeable as to the process and lender expectations ... a pleasure to work with on top of knowing her stuff!! -Todd

It was truly a journey and made exceptional fast. Amber was amazing and so helpful at every turn. Thank you for all the hard work and getting me in my new home. -Jeff

Amber was the best loan officer! She answered all questions plus some! She also gave us great reference for homeowners insurance!! I loved how she called with updates and explained every detail. She went through the ropes for us and we couldn't be more thankful!! Without her we wouldn't be in our forever home. -Jessica

My experience with First Choice Lending Services is one I shall never forget. The dream of home ownership is one I never imagined could come true for me. When I came into contact with Amber Piehl I did not realize how she would impact my life. Amber educated me as well as guided me through this process step by step. She was patient, kind and never judgmental of my situation. I came to trust Amber knowing she would always have my best interest in mind. I am very thankful to have been guided through this life changing event by Amber. Her professionalism and expertise were above and beyond any I have ever experienced. -Connie

Amber was very responsive. Answered all our questions and was very helpful. Especially with us being from out of state. -Maryann

Wonderful Company, Our Lender Amber was a pleasure to work with. She helped us with so many questions we had thru out our whole process. Very friendly and so helpful. I highly recommend her to anyone looking to start the process of buying a home. She will help you every step of the way! -Alicia

Apply with Andrew

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NMLS #2393216
865-392-4141 (Office)
865-310-5278 (Cell)
Email: ariffle@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:

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 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:

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 Caleb

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NMLS #2254349
Office 865-392-4178
Direct 865-963-2331
Fax 855-391-0567
Email: cford@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:

Caleb Ford's willingness to help and friendly demeanor is unmatched. He was prompt to answer any questions. Very attentive! -Amanada

Caleb Ford is the best! Great with client's, very helpful and friendly. If you are looking for a great loan officer, he your man! -Rebecca

I am a Realtor and worked with Caleb Ford to get a mortgage for a client. He did an excellent job, communicated thoroughly, and made the process simple and smooth! 10/10 recommend! -Brooklynn

We were definitely pleased with our experience with First Choice Lending, especially with the loan officer Caleb Ford. He was very knowledgeable and always available to answer any questions we had! We will definitely be calling on him with any future financing needs. -Melissa

Caleb Ford was great in helping me get my first house! He made the process easy to understand. -Jordan

Caleb with First Choice was huge help helping me and my wife buy our house. We had to overcome switching loan types midway through the process. He also helped us resolve FHA inspection repairs that were needed. In spite of the various obstacles, we got to close quickly and with no issues. Will absolutely be recommending him to anyone I know looking to buy in the future! -Trey

Caleb Ford was our loan officer for the home that my husband and I just purchased. With new credit history and a new job, we had several bumps and obstacles along the way, but Caleb helped us get past each one. In the end, he made the outcome better than we could have imagined. He was always available to answer questions and explain each new part of the process. I will recommend him to anyone I know who might be looking to buy. I just want to say a big THANK YOU to Caleb and First Choice Lending Services for making our first home purchase possible!!! -Abbie

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 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

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:

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 Jessica

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NMLS #2384189
Direct: 865-392-4134
Cell: 865-724-6540
Email: jraichl@fcls.com

Jessica was born and raised in Central Florida.  After taking a trip to the Great Smoky Mountains she and her family decided to move to East Tennessee in 2006 and “make life a permanent vacation.”

Jessica has 20 years of experience in the real estate field and a reputation for going the extra mile.  She treats her clients like family because she genuinely cares about their happiness.  After learning more about the lending side of a real estate transaction, she discovered she had a new passion for wanting to help her clients on a more in-depth level, completing the entire process of purchasing a home.

Call Jessica today to help you with your financing needs and find yourself happily transitioning into your future home.

Reviews:

I recently had the pleasure to work with Jessica Raichl on a home loan in Kentucky. She worked very hard and was extremely prompt and professional. I am very picky about who I work with and she did not disappoint at all. -Mike

Want a loan officer who does it all? Jessica Riachl does it all! She knows the answers and if it is something that she questions she will research it and get right back to you. Jessica is positive and prompt, she is a HUGE problem solver. My entire experience with Jessica was long distance, California to Knoxville TN and I always felt I knew what was going on, always informed! I have no hesitation at all with recommending Jessica Riachl at First Choice Lending Services who is in Knoxville Tn! -Linda

Jessica RaichI helped me beyond my expectation, with her experience everything went fast smooth and on time. I am a very happy client. I would recommend Jessica RaichI to everyone and anyone thanks Jessica. Five stars for Jessica Raichl ⭐️⭐️⭐️⭐️⭐️ -Elijah

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:

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:

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:

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 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:

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 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 Kara

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NMLS #2243561
Direct: 865-392-4171
Cell: 865-978-0480
Fax: 866-493-8659
Email: klollar@fcls.com

Kara is a native to the Knoxville area, where she attended the University of Tennessee and Tennessee Tech University. She and her husband, Nick, have five children: Lily, Pierson, Bryce, Greyson, and Chase. She has a passion for the Vols and enjoys spending time with friends and family enjoying the beauty of East Tennessee.

Kara was an educator in this area for over a decade. After purchasing her home through First Choice Lending Services, she realized the impact of a positive home-buying experience with a helpful and dedicated loan officer. This inspired her to enter the mortgage industry to be able to assist others in the same way. Her emphasis on detailed planning and consistent communication will provide an efficient and smooth customer experience throughout the mortgage process.

Reviews:

Kara was awesome and patiently guided my clients through the entire process of buying a new home. The personal attention she offered not only to the buyers, but keeping me informed as their real estate agent was on point. She was always quick to respond to any questions, even outside of normal business hours. I can’t recommend her enough! -Angie

Kara made our process smooth and quick! It was a pleasure to work with her and she made our process easier than we ever imagined it would be! 10/10 recommend. -Lori

Just closed on our house today, couldn't thank Kara enough for all of her hard work in to making this happen for us! From start to finish she has made everything very stress free and really became a good friend. Highly recommend Kara for any future home buying she's great! Thank you so much Kara! Love Kaylee and Noble. ❤️ -Kaylee

I recently purchased my first home. Working with Kara Lollar was a pleasure! She was so very kind in answering all my questions, dealing with my panic moments and making sure I knew what was happening every step of the way. I would definitely recommend her for your loan needs! -Stephanie

Kara is amazing. i had a lot of bumps in the road on my part. Kara was there every step of the way and I was able to purchase my new home. She was available anytime and returned my texted promptly. Highly recommend. -Cheryl and Gordon

Kara Lollar was my lending officer and did an excellent job! She was accessible several times on weekends when needed and that service was appreciated to get this closing done. I highly recommend! -Rusty

Kara was very helpful in closing on a house on Lake Cumberland. She gave us great direction to save money with a lower rate before they increased. -Russell

Thank you so much to Kara Lollar for helping me to refinance my home! She did a wonderful job and made the process very easy and was very reliable. She can definitely help you out! I needed to make several home repairs and needed money pretty quickly and it worked out very well. -Paige

Kara deserves a five star rating. She is an expert in this field, She make getting a home loan easy. She has the best personality WHILE WORKING QUICKLY to ensure the lowest loan rate possible. I can not thank her enough for a job well done! -Juliiann

Kara Lollar was super helpful and guided us though the process of refinancing while lowering our interest rate, consolidating debt, and providing us cash for a new vehicle. We were able to do all of this and maintain the same payment. Highly recommend Kara Lollar and First Choice Lending Services. -Chad

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:

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

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

Michael Shadowens, like the rest of his coworkers, is a hardworking and dedicated agent, with a talent for thinking outside the box. This last quality is especially important for any employee of First Choice, as the organization prizes staff members who can come up with creative solutions for client problems. First Choice lending offers FHA loans, home construction loans, reverse mortgages, and more. Where they differ is in their dedication to personalizing loan products to best fit each customer’s needs.

Michael Shadowens has a creative mind that can come up with solutions to overcome his client’s obstacles. One of his central strengths is his ability to connect with customers, understanding exactly what they need and how best to help them with their loan or mortgage.

Reviews:

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 than 5 stars. Thanks Michael for all your help, we would recommend you to anyone and will be using you with any future home purchases! -Alexa

Michael was extremely helpful--even when I changed my mind several times at the last minute. He was still able to meet my requests and seemed to always be on top of whatever situation came up. Highly recommend! -Jeff

This was my first home buying experience. Michael was very patient and always took time to explain things. I had met with other brokers before meeting Michael, I never felt as confident with them as I did with him, right out the gate. -Andrea

Michael Shadowens helped us with our mortgage. He was always available for any questions or concerns. We truly appreciate all of his help getting us in to our new home! We definitely recommend him!! -Stephanie

I HIGHLY recommend Michael Shadowens with First Choice. We had a great experience as first time home buyers. When we started the process, we weren't quite home ready but Michael walked us through the process and advised us for an ENTIRE YEAR before we were prepared to start the process. Michael was much more than a lender to us. He stood by his word, made himself available, and was kindly honest throughout the process. You will NOT be disappointed! -Nisha

Michael was there for us every step of the way...He was there to answer all of our questions if he did not have a answer he would get back to the same day..We well defiantly be using him in the future for our next loan. -Sherry

I HIGHLY recommend Michael Shadowens with First Choice. We had a great experience as first time home buyers. When we started the process, we weren't quite home ready but Michael walked us through the process and advised us for an ENTIRE YEAR before we were prepared to start the process. Michael was much more than a lender to us. He stood by his word, made himself available, and was kindly honest throughout the entire process. You will NOT be disappointed! -Nisha

It has been a pleasure working with Michael! Our dream of owning a home is now a reality after just 2 months! Thank you! -Carrie

I worked with Mike and we finally got approved Thank u for all your hard work!! -Kevin

Great experience with Michael - organized, guided support helped us get through the process smoothly. -Tracy

Michael Shadowens helped my spouse and me through the entire loan process. Everything was thoroughly explained, and anytime we had questions he was a text away! They went above and beyond to get us approved for a home loan with an amazing interest rate! We are first time home buyers and the process went so smoothly! -Taylor

Michael Shadowens and First Choice Lending helped make our First home buying experience so simple and stress free. Michael was helpful and patient in answering all of our many questions, ensuring we understood all documents, steps, and processes to feel 100% comfortable throughout our experience. We will definitely be recommending Michael for all future mortgage needs. -Korey

My experience with Michael and company was very pleasant, easy and a true pleasure!! I was doing all of this long distance so I didn’t need any added stress. He was always available for any type of questions no matter big or small and always made sure I understood everything with the process. I would highly recommend this company and Michael! Thank you so much. -Lynn

Had a great experience with this company. Michael Shadowens was an excellent help. He walked through the process step by step and made sure I understood the process along the way. I don’t know if I could have done it without his help and expertise. Thank you so much!!! -Amanda

Michael Shadowens at First Choice Lending was awesome to work with. He’s very knowledgeable and polite as well. He always gets right back to you with any questions or concerns you may have with the loan process. I would definitely recommend Michael to anyone looking for a mortgage! -Tammy

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NMLS #2317241
865-392-4145 (Office)
865-415-1221 (Cell)
865-392-4175 (Fax)
Email: pholt@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:

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:

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

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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:

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

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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:

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 invested in every single person and their needs! I wish I could give him 10 Stars!!!! -Teresa

This was our fist time buying a home outside of the state we live in (California). We dealt with Steve Logan. He was professional, friendly, and available every time we called or emailed with a question about our house sale. There was a lot of back and forth with the paperwork requests (which is normal when you buy a home) however it wasn't inconvenient to us to send because most of it could be done via email. I would definitely use First Choice again if we buy another home and recommend them to others! -Adrienne

Steve is the best! We are first time home buyers and this experience was fantastic. He was a great guide and so helpful. I highly recommend him and his company. Again, thank you! -Riley

Buying a house and starting a family are two of the biggest commitments one can make. in 2013 we were trying to buy our first home and we got linked to Steve Logan. Steve was awesome. He walked us through the whole thing. made sure we were prepared. I cant imagine the background work he had to do for us, but he made it happen for us and really never made it stressful for us. I stayed in contact with him over the years as interest rates moved around and he would never allow us to get in a deal that was bad for us. Now we were in a place to refi at a better rate and term and Steve and First Choice came through again. EASY AND PAINLESS!! I cannot recommend them enough. You will be in good hands! -Jack

Steve Logan was the best part of our home purchase. He was readily available, answered even the stupidest of my questions, made me feel like I was the only client he had, was honest, transparent, but realistic, and ensured we could close under a SUPER tight time frame that was constantly moving....all during a pandemic. He gave me the best rate I could find (I did shop around). I will recommend him to everyone, forever. I'm not sure I would have gotten my home if it wasn't for Steve as COVID began affecting things so rapidly. -Nicole

Our family just closed on our dream house and it is all because Steve Logan and his team at First Choice Lending were able to make the party come together. Everything went as smooth as we all could make it. Thank you so much for all your help Steve. -Casey

Steve Logan worked a miracle for my growing family and was able to file all the necessary paperwork in order to get my wife and I our first home. He is AMAZING with customer service and always left us feeling blanketed in comfort. This man was able to get this all accomplished while I am currently in chapter 13 bankruptcy. It’s all so surreal, that I don’t think it’s finally hit me yet because we just moved in 2 days ago. THANK YOU SO MUCH STEVE! -Clint

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

Excellent Service
Tyler R. - Knoxville, TN
Steve did an excellent job helping my wife and I buy our first home. He made the process extremely easy and was excellent at clearly outlining expectations. He was a great communicator and always answered the phone (even late after hours) to help answer our questions. I would recommend Steve to anyone!

Steve is awesome!
Paul B - Dayton, TN
This guy was very professional yet personable and worked very hard to get my home closed on time which helped me out greatly. I can't thank him, his wife and anyone else that works with him enough getting me into my home.

Excellent
Kenny R. - Rockwood, TN
Very professional, courteous. Very prompt in returning phone calls. Steve went above and beyond to help the process go as smoothly as possible. We were very blessed and thankful to have him as our lending agent.

He was very clear and concise with answers to my question and gave me confidence...
Robyn P - Gradyville, KY
Steven was top-notch, and it was seamless process obtaining my mortgage with a great rate because of him. At the start of the process, Steven went above and beyond and advised me on how I could raise my credit score. He was very clear and concise with answers to my question and gave me confidence when I was a little nervous about completing the process. Without reservation, I highly recommend Steven Logan to help anyone who is in the house buying process. He is very knowledgeable in the area, and a guy who makes you feel like you have know him all of your life.

He was available anytime, day or night, to answer questions I had.
Austin H - Knoxville, TN
After trying another lender that was very unresponsive to my needs, I was referred to Steve. He was available anytime, day or night, to answer questions I had. He also answered them in a way that I understood.

Steve went over and above to get me the best rate on my house, and told me all up ...
Roy H - Dayton, TN
Steve went over and above to get me the best rate on my house, and told me all up front cost before I signed, I appreciated how effiecient he was and did a great job, highly recommended.

He explained things so well and was incredibly patient with me being a first time ...
Becky B. - Dayton, TN
Steve is the best! I would not recommend anyone else. I will definitely continue to use him in the future. He is extremely knowledge, and his responsiveness to any questions is above and beyond! He explained things so well and was incredibly patient with me being a first time home buyer! All around a great man who truly cares about his clients! A++++

Steve was able to do what our bank and other brokers were unable (or perhaps unwilling) ...
Robert V - Knoxville, TN
Steve went out of his way to help us get into our house, he even pushed us when we needed to be pushed. He utilized all of the experience available to him through his coworkers and his resources. Steve was able to do what our bank and other brokers were unable (or perhaps unwilling) to do. Thank you Steve 🙂

I was a first time home buyer, and did not have a perfect credit story, Steve handled ...
Rodney A. – Louisville, KY
Steve was absolutely great. He had a clean plan for the lending and described perfectly and executed it even better. I was a first time home buyer, and did not have a perfect credit story, Steve handled it without any issues. It was an easy experience. I would recommend him to anyone.

Steve and his team are awesome! They always respond quickly to emails, phone calls, or texts. Steve was always so patient and understanding as we asked "what about this house" about 80 different times before we got the right one! He helped us make the right decision financially, and worked with us to guide us through the process. We worked with Steve during the purchase of our first home, 4 years ago, and again for our second home, and he'll be our first call if/when we are looking for our next

Apply with Steve

Direct: 865-392-4133
NMLS: 39420
Email: sshelton@fcls.com

Steve Shelton has been working in the field of Business Management and Finance since he graduated from Pensacola Christian College in 1996. He has owned his own company in the mortgage business since 2002, and has been very successful in administration. First Choice Lending’s success is due in part to the experience and leadership of Steve Shelton.

First Choice has been enjoying tremendous growth, buoyed by the experience and knowledge of Steve and a number of consultants and processors who have been in the industry for many years. The company’s emphasis on exemplary customer service is influenced by the need that experienced employees like Steve noticed in the industry.

Steve Shelton, like all of the staff at First Choice Lending, believes in putting customers first. Often this involves customizing a loan product to fit a customer’s specific needs. Steve also understands the importance of having interests outside of work, however, and enjoys spending time with his family, either at home or on vacations to the beach and mountains.

Apply with Tony

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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

Apply with Zack

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NMLS #2256267
Office 865-392-4141
Direct 865-392-4177
Cell 865-722-5160
eFax 866-493-8659
Email: zpropes@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:

Buying a house was a WILD ride, my wife and I consider ourselves blessed to have had Zack Propes from First Choice Lending Services taking us through the process, We feel like we put him through the ringer and he happily came through. Especially considering we are a few times zones away and moving into TN. Zack was etremely responsive, very attentive to our questions, and helped us get exactly what we needed. We could not have asked for a better experience, and 100% recommend him. 5 stars isn't enough! Thank you Sir! -George

I do not think I have ever received such exceptional customer service. Zack Propes was available 24/7 to answer every question we had no matter how big or small. He also went above and beyond to help us in areas where the title company should have been. If you are looking to work with the best then look no further because Zack it is. we will be recommending him to all our family and friends and use his services for any future home purchases we make. -Catrina

Zack was great to work with! -Jordan

Zack Propes was patient, kind and continuously available. Will definitely be returning for future purchases! -Ashley

Zack Propes was our lender to help us get a loan. He explained everything very well and made everything very easy to understand. Mr Propes also kelp us updated with everything that was goin to about the closing. He also went out and beyond for us to get the closing finished up so we could get into our forever home. If anyone looking to get lender for a home I would highly recommend Mr. Propes at first choice lending. -Wes

I cannot recommend First Choice enough! Zack went above and beyond to help my family during our refinance. Anything that could have happened, happened to us! Zack was more than willing to do whatever was needed to get things back on track! Hands down a great company! -Ashley

I worked with Zack at First Choice Lending and he was the best. He was available anytime I had questions. He was very patient in helping gather all the needed documents. Great company, customer focused. -Chris

Wow, from the time we called until the time we closed Zack Propes was great. He took the time to answer all of our questions & was very responsive anytime we reached out to him. I've heard some horror stories from people in the past about the pre-approval/home buying process & I am happy to say that my experience was nothing but exceptional. I will recommend First Choice Lending & Zack to my family & friends for years to come. -Celeste

5 STARS! -Glen