Andy Chelton
Mortgage Consultant
Andy Chelton

Mortgage Consultant

Apply with Andy

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Direct: 615-829-7166
Cell: 615-545-9494
NMLS: 32129

Andy is a lifetime resident of Tennessee and is a graduate of Tennessee Technological University. He resides in East Nashville with his wife and daughter. In his free time, he enjoys time with family and traveling. Andy has 2 decades of experience in consumer and business sales and marketing with over 10 years of mortgage origination experience.

Andy’s motivation is making a plan to take families from the dream of homeownership to reality. He believes the most rewarding part of his job is the journey to get a buyer into their home. Andy is a consistent top-performer in the company and has been for years. Clients that work with him note his great communication, attention to detail, and true problem solver mentality.


We are very grateful for Andy Chelton , he was Wonderful and helped us purchase our forever home. Excellent experience and we will highly recommend to everyone. -Maurita

Andy Chelton went above and beyond to help us become first time homeowners. Our questions were always answered promptly and in detail. Text message, email or phone call whatever it took. I would highly recommend him. Thank you!! -Lee Ann

Andy was great to work with, and did everything in his powers to be to make my closing happen, so happy I went with a local lender!!!! -Randy

Andy Chelton was more than helpful! I am a first time home buyer, and so of course I had a million and one questions. Andy never hesitated to answer any question I had, whether complex or silly and simple, or whether I had already asked it. He made sure I understood everything with this process, and kept in touch with me almost daily via text or email. Amazing experience! -Jessica

Andy Chelton is who helped my wife and I through the process of purchasing our new home. It was a great experience from the almost instant pre-approval all the way through the closing. Andy is a true professional that knows how to get through all of the ups and downs that are a part of the super complicated mortgage process. If you are considering a new home purchase I would highly recommend that you reach out to Andy to guide you through. -Sctpiehl

There TRULY is not enough I can say about Andy and the whole First Choice team!! We decided just all of a sudden that the time was right to step out and buy a home. Andy was there every single step of the way, we were first time home buyers and he took the time to answer all my questions no matter what time of day! Andy was very thorough and committed to making the VA loan work to get us the house we wanted. He never stopped working until the day we closed ON TIME 🙂 Andy is very easy to work with, and when and if the time comes to buy another home we will settle for nothing less than ANDY!!! Thank you soooo much Sir, for ALL that you did for us!!!! -Sarah

Awesome!!!! I bought my first home through them and they didn't give up until I got my beautiful home. If you are buying, you should use them. I am glad I did!!!! - Rebecca W.

This is the person you want to deal with Andy is, by far, the best and most qualified loan officer we talked with while shopping for our mortgage. We definitely recommend him and would definitely use him for our next purchase...Our vacation home! - Michael O.

I bought my first home and the loan officer was the greatest and he never gave up and he was always there when I needed anything. And even with the stupidest questions and he was always polite and very nice. He was the very Best!!! - Rodney W.


Top lender. Andy works fast, very responsive and very friendly. - Robert C.

First Choice Lending is the only way to go
We thought we'd never be able to qualify or afford a house. We talked to Andy Chelton and he worked relentlessly to get us a great loan with an even better rate. We were worried that we'd be buried under a mountain of paperwork and never see daylight again. We were so very wrong. In a few weeks we were sitting at a table signing the loans to our new home. The best part - we got more house for our money than we thought possible. Thanks Andy - Margaret S.

Andy helped me with my loan while waiting on his wife to deliver their baby at the hospital-he was THAT dedicated to making sure my loan would close. Obviously, he is extremely responsive and ready to go out of his way to make sure your transaction goes quickly and smoothly. You can't go wrong with Andy! - Kay S.

10 being the best I give Andy a 10. I have bought aprox 7 or 8 homes in the past. It was always a major paper chase. Andy made the process so easy and painless and fast. Anytime I had a question I called Andy day or night and he was always there to pick up the phone and answer my questions. I will refer people to Andy every time. Great job Andy. - Richard R

Great experience! Andy is very seasoned and experienced. He is awesome at finding a way to get it done quickly. Highly recommend!! - Laurie O

Andy Chelton has been fantastic to work with. He has been my loan officer on several transactions and I will continue to utilize his services for future loan needs. Great communication, excellent customer service and very knowledgeable. - Todd D

Andy Chelton is the go to guy for the job. He helped us out so much and went out of his way to make us happy and into the house we wanted. They def have 5 stars from us. -Traci

Andy Chelton was the best! He was so helpful and I am so thankful for him! I closed Feb. 11 2019 and anytime I have a question- he is still more than willing to help me. The government shut down postponed things a little bit- but he always kept me updated and he never gave up hope. I hope he understands how greatly I appreciate everything he did for me! 🙂 THANK YOU! -Haley

We worked with Andy Chelton. He was awesome. He worked with us every step of the way, even finding us an awesome realtor. He responded very quickly to any questions we had. He got us to closing without any issues. Honestly, he made the whole process less stressful. I’m definitely going to be recommend him and First Choice Lending to others. I’m so glad we went with them. -Jesseca

Andy Chelton was very helpful and was there to explain everything any time i needed him, as my husband and i were first time buyers! I would just like to say thank you! We couldnt have done it without you! -Nina & Jeremy

Bruce Kiper
Mortgage Consultant
Bruce Kiper

Mortgage Consultant

Apply with Bruce

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Direct: 615-829-7161
Cell: 615-977-9075
NMLS: 185945

Bruce Kiper’s experience and knowledge of the mortgage industry were only part of what made him such a valued hire for First Choice Lending, LLC. His desire to help his customers and ability to overcome any obstacle to do so were the qualities that sealed the deal.

First Choice Lending now operates from both Nashville and Knoxville, serving countless customers throughout Tennessee and Kentucky. The consultants at the company help their clients navigate the complex processes of home purchasing and securing mortgages. This involves advising customers each step of the way and making the home buying processes easier to understand – and far less intimidating.

In hiring Bruce Kiper, First Choice made a wise decision in seeing his determination and knowing it would prove a valuable asset to the company. No matter what financial troubles a client is facing, Bruce is able to overcome them, often creating tailored loan products specifically for customers in difficult situations.


Bruce was amazing, he and his team went way above and beyond to get us in our forever home! Our loan process was very difficult and Bruce never gave up on us. He worked endlessly to ensure we got the interest rate we wanted the payments we needed and the home we had to have without compromising our needs! He was knowledgeable, very resourceful and attentively understanding even when he didn’t have to be! Thanks Bruce Kiper you are amazing I pray God blessed you and your family 10 fold as well as your team! - Amy and Shannon

Working with Bruce Kiper was great! He made our first ever home purchase seem almost effortless on our part! He was very responsive and made us feel as though we were top priority. If your looking for straight forward no nonsense service contact Bruce and he will help make your dreams come true. -Russell

I worked with Bruce Kiper on my home loan. He was very responsive and worked closely with me throughout the whole process. I am so excited to have my own home. Thank you Bruce! -Jamie

Being a first time home buyer, I felt like I was in good hands every step of the way while working with Bruce. We were able to get a great rate and get everything worked out a week before we had originally planned on. -Michael

Worked with Mr Bruce Kiper. I've got to say, buying your first home is just as scary and as much of a whirlwind as they say it is. Luckily, I had a guy on my side who knew my million text messages and worried emails were just a kid freaking out about his first "adult" purchase. 1st Choice Lending turned out to be the best choice! -Ezra

We recently purchased a home with the help of 1st Choice Lending. The process began with a phone call from Bruce Kiper on July 4th no less and ended on August 6th. From the time we actually put our offer in to the day we closed was less than 30 days! The process was fast and virtually painless. There were couple points of miscommunication or things I would've liked explained in more detail, as this was our first home purchase and I wanted to understand fully what was happening at every turn. However overall it really was a pleasant experience and I would highly recommend 1st Choice Lending to anyone We got a good locked rate with an FHA loan. Our credit was right around 650 and 700. Our credit isn't completely spotless, but they made it happen for us! We will forever be grateful to all the people behind the scenes that we never even knew about that put it together for us! Thank you 1st Choice Lending! -Jennifer

First Choice Lending Services was great. Bruce Kiper and Steve Shelton went above and beyond for me. Very professional people to do business with. If you are in the market for any type of home loan or refi I would highly recommend. -Bryan

Cory Hyberger
Cory Hyberger


Direct: 615-829-7167
Cell: 615-210-3424
NMLS: 958266

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. Cory knew when he moved to the area that he wanted to help the people in his community by using his 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.

Cory Hyberger joined the company with experience in several different types of loans. He also has a creative mind that helps him devise the best loan product for his clients, developing a personalized plan for each client that meets their individual needs. Cory’s efforts have greatly influenced the success of the company.

Danny Blazier
Branch Manager
Danny Blazier

Branch Manager

Apply with Danny

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Direct: 615-829-7155
Cell: 865-227-3865
NMLS # 1226005

Danny Blazier has been in the mortgage industry for almost a decade and finds great satisfaction in helping people purchase their homes. His motivation stems from the desire to help people. Danny believes that a lender is more than just a person that lends money. They are your first form of contact and guide you through the entirety of the process up until and after closing day. Once you close on your home you can feel comfort in knowing that Danny will still be around to help with any questions that may arise. Danny enjoys working with people and feels privileged to serve homebuyers in such a life-changing event and profitable investment. He is proud of the reviews that he receives and feels that they embody the kind of lender he strives to be.

Check out my Zillow reviews!


Danny Blazier was so helpful in the lending process when I was purchasing my first home! I cannot recommend him enough and have already referred him to other friends! Such a seamless and stress free experience on one of the largest purchases of my life. Thank you!!! -MN

Excellent customer service. Danny is wonderful and trustworthy. I have used him several times and have referred others. I will continue to utilize his services for future endeavors. Thank you so much!!!! -Pinnacle Tree Works

Danny was super efficient and helpful from day one. He made the entire process easy and kept us completely informed throughout it all. Would not hesitate to use him again or recommend him. -Brian

Danny is probably the hardest working agent we have ever worked with when purchasing a new home. Excellent communication, kept us informed throughout the entire process. Was also able to secure the lowest rate we have ever seen in any of or mortgages. Highly recommend! Thanks for all your hard work. -Eric and Kate

Danny is the best! He helped me get my first home loan a couple years ago and recently helped me refinance. He made the process very easy, with minimal work from me. I would definitely recommend and will be using him in the future! -Brianna

Danny was great to work with! He made purchasing our Second home in Nashville super easy even with us being in Colorado. I would highly recommend using Danny and First Choice Lending again! -Amanda

Great company to do business with. Danny Blazier goes above and beyond to ensure everything is taken care of. -Jennifer

Danny Blazier was amazing and helped make our move from CA to TN a success. Would recommend him to anyone looking for a mortgage. -Amy

We had such a great experience working with Danny! He was very quick in getting a preapproval for us last minute on a Friday so we could put an offer in on a house. And working with him through the loan process was very easy and he was responsive and willing to educate me on all things home loan process so I knew exactly what I was committing to. Thank you Danny! -Stephanie

I’ve working with Danny twice now. First, buying my first home, and two years later refinancing. Both times he was great to work with! -Joshua

I saw all of the reviews online for First Choice Lending so I called Danny and he did an awesome job! I refinanced into a 15 year mortgage and kept the same payment I had with my 30 year. Highly recommend these guys! -Drew

Danny helped me with my purchase in 2018 and called me last week about refinancing. He lowered my rate from a 4.5% to a 3% saving me 300 a month. He was able to close the loan in 10 days and did not even need an appraisal! Super happy with him and First Choice Lending! -Jessica

Danny and the team did an amazing job. We close within 30 days, on time! He was very responsive to my fiancée and I throughout the whole home buying process. Securing financing can be stressful but Danny kept our minds at ease and assured us he would get the job done. I could not have asked for a better person to work with and I appreciate Danny and the whole team at FCLS! -Lizzy

The whole team at FCLS was amazing from start to finish. Danny was our LO and was able to get us closed in 30 days! He worked tirelessly to make sure we were in our home on time! He kept my fiancée and I calm through the whole process as getting funding can be stressful, and always gave us timely updates. He knows what he is doing and I would recommend him and the team at FCLS to anyone!! Thanks so much Danny! -Daniel

Danny was great to work with! He was responsive, explained things clearly, and we got a great rate with our refinance. We felt very comfortable working with him! Would highly recommend. -Sarah

Danny is the man! -Austin

very helpful and informative experience. Danny always goes above and beyond to help in all areas of the home purchasing experience. I will utilize this company for all future endeavors. -Julia

This guy is hands down the greatest guy. He helped us during our home buying process and I can honestly say it was the smoothest process my husband and I have ever experienced. He worked endlessly and diligently on making sure we were not stressed and we had complete confidence in his ability to see that our home finances was taken care of. If you are needing a home financed this guy and company is the way to go. His honesty and great diligence are so worth it. I appreciate beyond words what all he was able to accomplish for my family and I thank you Danny Blazier. -Thomas and Lacey

Danny Blazier and First Choice Lending Services were great to work with. Danny looked at multiple loans for us. We bought a new home before selling our current home and he found the option that worked best for our situation. Thank you. -Christopher

Danny was able to get us a pre-qual letter within a couple of hours of us asking him, and that was on a Monday! Mondays are always the busiest day for lenders. Will definitely recommend him to our house hunting friends. -Bryan

Danny Blazier worked tirelessly for my husband and I to be able to purchase our dream home. We are both self employed with complicated tax structures which caused some lenders to turn away. Danny was no only able to get us approved, he offered MULTIPLE loan options ensuring we had the best terms to meet our long term objectives. I’m a realtor and work with many lenders in my business. I can categorically affirm that Danny is one of the best I’ve encountered. He’s highly responsive, professional, and will move heaven and earth to get the job done. -Bekki

It was such a pleasure to work with Danny - he was so dedicated through the entire process. He helped me find the perfect loan for my situation, and helped me navigate all of the ins and outs of the process. Very grateful to have him with me for my first home purchase! -Kaylor

Danny made himself completely available to me to answer questions about my mortgage application. Even on a Saturday while he was on his boat, he was willing to patiently talk through my questions. That type of customer service can't be beat! -Noelle

Danny was so great! They were very patient and answered all of our questions! Overall great experience. -Billie

To say that Danny is amazing is an absolute understatement! He is ON IT! When you are looking for a lender, you should be looking for someone that returns emails, text messages, and phone calls within a timely manner! He will work seven days a week for his clients and real estate agents if that’s what it takes! With my husband and I being busy real estate agents, we know that one on one communication is key to accomplishing a successful, smooth, and worry free mortgage process and closing. - Caroline

5 stars!! Danny Blazier helped us buy our first home and the process couldn’t have been smoother! He was easy to talk to and on top of every aspect of the process so that nothing came as a surprise. He even called to check in and answer random questions from a vacation in Italy, and this was before we even made an offer on a house. We were first time buyers with a million questions and a small budget and he always treated us like we were the top priority of the company. I would recommend Danny and First Choice in a heartbeat! -Ryan

I worked with Danny Blazier, he was great!! This was our second home and he made the whole process so easy. I would highly recommend Danny for all future home buyers. -Vanessa

Danny was my loan officer and he was awesome! He kept me up to date throughout the process and was very knowledgeable. I really liked how he asked me once for documents and then next thing I knew we were closing. I would highly recommend him to anyone looking for a loan. -Jennifer

Danny’s number 1 priority is to his clients and attending to their wants and needs. A home purchase is the biggest investment you will ever make, so make sure you go with someone who is trusted throughout the industry by his numerous happy clients as well as his peers. My first choice and where I send my friends, family and clients is Danny!!! -Michael

Buying a house is such a huge decision and I was nervous to move forward. My daughter recommended her lender, Danny Blazier, and he made all the difference in the world. Danny answered every question I had and was easily available by phone or text. I’m so glad I worked with him- he made me feel comfortable with the process and my decision to buy. I’d use him again in a heartbeat! -Ginny

I would like to recommend Danny Blazier for any home loan. He was/is very professional. Working with him on our recent home loan made the entire process seamless due to his open communication and attention to detail. He is extremely organized and made himself available via phone, text and email throughout the entire time it took to get our house built. He made the entire process painless. Danny has my highest recommendation. -June

Couldn't be any happier or smoother of a process from start to finish! Danny Blazier was a true professional! He was quick to answer any questions I had and always kept me informed and up to date during the whole process. Thank you Danny for the exceptional service! -Lucas

Darcy Gabriel
Mortgage Consultant
Darcy Gabriel

Mortgage Consultant

Apply with Darcy

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(703) 899-1984 Mobile
(615) 872-8484 Office
NMLS #1941221

Darcy Gabriel has been in the lending industry over 7 years. Originally from Washington D.C., she recently relocated just east of Nashville where she lives with her husband and their two dogs. When not working, she enjoys spending time outside, cooking, and making a mess with home projects.

Darcy understands the importance of peace of mind when making life decisions, and strives to make your home buying experience a stress free and positive one.

On a mobile phone? Send me a SMS message.


Deborah Stephenson
Mortgage Loan Originator
Deborah Stephenson

Mortgage Loan Originator

Apply with Deborah

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Direct: 615-829-7163
Cell: 615-804-3590
NMLS 1757631

Deborah is native to Upstate New York. She and her two sons have been calling Nashville home since 2004. Deb is an avid tennis player and enjoys cooking.


I worked with Deb Stephenson when I originally bought this house and she made the process simple and easy to understand and also, got me an outstanding rate. Last year when rates started dropping to unheard of lows, I called Deb again to see what rate she could get me on a refinance. I wasn't disappointed. Deb got me a fantastically low rate mortgage that will save me thousands over the original low rate mortgage. Again, she was knowledgeable and her customer service is impeccable. She got the refi done in record time and now I'm enjoying the savings. Deb is a super professional and I highly recommend her services. -Michael

DEB IS A MIRACLE WORKER!!!! She is kind, honest, and hardworking. I do not have a single bad thing to say about the whole process. I had no time to waste and she got me the best rate in the time needed. She will do her best to ensure no delays and the lowest rate. She knows her business thoroughly and I will trust her advice every time. -Jessica

My wife and I just bought a new home and I would recommend First Choice Lending Services. Buying a home is never without challenges but our loan officer, Deborah Stephenson, went above and beyond to make the experience as easy a possible. She was kind, competent and knowledgeable and kept us on track throughout the process. -P.G.

Deborah Stephenson was an absolute pleasure to work with. She’s knowledgeable, responsive, and a good communicator. Highly recommend! -LB

Working with First Choice Lending Services and Deborah Stephenson on our new home purchase in Memphis, TN was an awesome experience. It was our first home purchase, and purchasing a house in the COVID era and a very competitive purchasing market was an intimidating prospect, but Deborah was always available to help us and made the entire process extremely expedient and hassle-free. She was extremely attentive and communicative. If and when the opportunity arrives for our next home purchase, we will absolutely be using the same team again! -William

Deborah Stephenson went above and beyond, got me a great interest rate and was always available if I had a question. Highly recommend! -Tracy

Deborah Stephenson is the best. Deborah’s relentless effort made home ownership a reality. Borrower has visa legal status—no problem. Low income—eliminate debts to save the DTI. Need a higher pre-approval letter—somehow finds a way. 3.125% interest rate—Yes! Deborah found creative solutions at every step in the mortgage process. Would highly recommend Deborah and First Choice, especially if you have been turned away by other lenders. -Brian

10/10 will recommend. Deborah Stephenson has been a joy to work with. -Daphane

I had the pleasure of working with Deborah Stephenson and she was very informative and helped explain anything I needed. I am a first time home buyer and Deborah was great to work with -- very professional. The entire process was smooth and very fast. She was willing to help whenever needed and kept on top of things to get my paperwork processed in a timely manner. I highly recommend her to anyone I know looking for a mortgage lender. -Wally

Deborah was amazing though this whole process during this whole Covid. Kind, professional & knowledgable. I recommend 100%! -Adriana

Deborah Stephenson made the entire experience run smoothly. She kept us informed on all aspects of the process and was always available to answer questions. If we had to go through this process again (which we hope we never have to) Deborah would be the person we would want to work with us. Deborah represents your company well. Thank you for all your help. -Ernest

Moving to a log home in the mountains has always been a dream of mine until I decided to do it. I searched for months for the perfect place and finally found it. As faith would have it I found Deborah Stephensen. I couldn't imagine using anyone else when buying a home. Deborah is always quick to respond to emails, texts and calls. No matter if it's the weekend or after business hours. Always has a great attitude and very knowledgeable. I never doubted her for a second and I am truly blessed to have found her. Bottom line is she cares, and that is a quality everyone wants. I hope others will reach out to her and you will see for yourself. You will be glad you did. -Anthony

Great experience with Deborah Stephenson! She is very professional, dedicated and extremely hard working!! -Jill

Deborah is caring, compassionate with a tenacious work ethic. Extremely personable and seems to have a passion for helping people, she will pull out all the stops making the whole process painless for you and your family. Deborah is very thorough and makes herself readably available to you for any reason. She takes a stressful situation and turns it into a very pleasant adventure. If you would like an easy/stress free home buying experience I recommend using Deborah Stephenson and her team. -Heidi

The process of selling and buying a home is a very emotional one Deb Stephenson was awesome at keeping things real and level. She heard my concerns and explained each step thoroughly to me. Having the correct information and being able to trust Deb was the key I needed for a smooth transaction, thanks so much Deb! I am confident recommending Deb to anyone going through this Roller coaster process! -Michele

Deborah is highly dedicated to the mortgage business. She goes above and beyond what a lender does for her customers, including working outside typical business hours to meet her clients needs. I highly recommend her services. You will not be disappointed. -Shellean

I highly recommend Deb!! She treated me more like a family member than a client. She is a hard worker and really took the time to listen and help me through the process. -Tamara

Deborah Stephenson was extremely helpful and knowledgeable and took the time and care to make it a smooth and easy experience. I will be confident in making future referrals to Deborah Stephenson and first choice lending. -Maya

Buying a home can be very stressful. Deborah makes things very easy. She is very knowledgeable and truly a professional. Definitely will go the extra mile for you! You are in good hands with Deborah! -Denise

Deborah with First Choice Lending went above and beyond the call of duty to assist me in purchasing a home. She personally made sure that every detail was covered. I’m thankful for her help during a stressful transition! -Natasha

Deb is by far the best. She stays on top of communication and makes each and every client feel like they are the number one priority. -Ryan

Deborah is AMAZING!!! Talk about upfront and consistent communication, personable, EXTREMELY knowledgeable, and just a great soul. Thank you Deborah for simply being YOU!!! -Jason

I recently started working with Deborah as an Insurance agent assisting clients at First Choice Lending. Deborah and I hit it off right from the start. She is a true professional in all aspects of the home buying process. I really love her dedication, commitment and her shoot for the stars motivation. Deborah is extremely focused on the clients needs, goals and timelines. Looking forward to doing great things with Deborah and First Choice. Highly Recommend her for all your home loan needs!! -Scot

Deborah Stephenson is terrific to work with! I feel confident referring my buyer clients to her because I know she will respond quickly and honestly and work hard to get them the best home loan for their needs. -Amanda

First-time home buyer here. Deborah Stephenson with First Choice Lending was amazing! I reached out to a bunch of lenders through lending tree, and she was the only one to introduce herself with a text. This was important given the sheer volume of phone calls I was receiving. She was extremely nice, listened to my situation, and took the time to explain to me the loan process. She was ALWAYS available if I needed her, either text or call, even later at night which was extremely helpful. She even provided me a short notice (within hours) pre-approval so that I could place an offer on a house that was already considering another offer. She is fantastic and I would recommend her as a loan officer to anyone! -Brandon

Deborah Stephenson was awesome, she does understands this is a stressful process, and she walks you slowly through this process. Always been helpful. Thank you Deborah. -Ramy

Deborah Stephenson with First Choice Lending Services was amazing to work with. I travel for work ALOT and she was always available to answer any emailed question that I had during the process of not only finding my house, but getting through the closing process. You can't go wrong with Deborah. -MJ

Deborah Stephenson and her team at First Choice lending worked tirelessly to get me in my new home with no money down, and no closing cost and with payments alot cheaper than renting. Hats off to Ms. Stepenson and all that helped me. -Don

We will be closing on our new house tomorrow. We worked with Deborah at First Choice and she was amazing. We are very happy and will definitely recommend her. -Candy and Jack

Deborah Stephenson was very pleasant working with. Deborah and Steve Simpler not only pulled a rabbit out of a hat for us to make settlement but they were very patient and professional. What really made me felt good was after settlement Deborah call us and was very excited for Arlene and I. It was like we were friends for years. Cant thank Steve enough for what he did. Me personally I would have given up. Deborah and Steve hung in there to the bitter end and I couldn't thank them enough. -Anthony

Phenomenal experience! They made being a first time home buyer very easy. They were detailed in their work, and they were patient with me whenever I had questions about anything. I am very thankful! 10/10 would recommend! If you get a chance to work with Deborah Stephenson, you will be taken care as if you were family, but everyone on the team was great! -Loghan

Evan Enstrom
Mortgage Consultant
Evan Enstrom

Mortgage Consultant

Apply with Evan

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Direct: 615-829-7168
Cell: 585-474-9998
NMLS # 1795969

Originally from the Finger lakes region of New York, Evan moved here from Buffalo and is excited to be living and working in the Nashville area. He enjoys spending time with family and friends. Evan is motivated, goal oriented and looks forward to guiding you through the loan process. Evan will strive to make sure your experience with First Choice Lending Services is stress-free and a positive one.


What an amazing experience from start to finish with Evan Enstrom at First Choice Lending. Evan walked us through every step and was always so gracious regarding our many questions. He exemplified nothing but integrity and true professionalism throughout the process. We will definitely recommend Evan to our friends & family. -Tammi

Evan Enstrom at First Choice did a fantastic job handling the mortgage for our new home. It can be a stressful process but he made the process as easy as possible. My wife and I would highly recommend Evan and First Choice as your lender on a home purchase. -Richard

Me and my wife got married this year, and instead of looking for a new home we decided to refinance her home. We wanted to lower our rate, monthly payment and put me onto the mortgage as well. We reached out to Evan Enstorm and he walked us through the entire process. It was a bit different having to do everything virtually. Evan was extremely professional and I recommend that you use him for all of your mortgage needs. Thank you Evan. -Christopher

Evan Enstrom is a very reliable loan officer. He returns my calls in a timely manner and always has wonderful advise for me. I enjoy working with him. -Carlton

Evan Enstrom was really helpful answering ALL my mortgage questions. Start to finish he was responsive & courteous. I highly recommend him. -Collins

Evan Enstrom is the best! He is very professional and goes out of his way to help. He’s responsive and will get you qualified and do it timely. -Tammy

Thank you so much Evan, and all your team, for the amazing work you did for us. You all are very good at your jobs and provided us with a smooth process in purchasing our home. You all went above and beyond to get things done, and we appreciate it very much! -Kenny

Evan worked through a lot of bumps in my road to get my deal closed. Never once was he frustrated. Or at least it never showed. 🙂 We had a lot of laughs as well! Thanks for being very engaged in the process my friend. Felt like we knew each other for years. Five Star Mr. Enstrom!!

Thanks for making this confusing process go smoothly Evan! 🙂 -Penelope

Evan was awesome and made the journey of getting a loan a lot easier. -Shannon

Evan really went far and beyond for us! Answered all my questions the entire way! I would do 10 stars if I could! -Jeff

Evan Enstrom has been a pleasure to work with and I look forward to working with him in the future. -Kyle

I've worked with Evan Enstrom on several occasions. He has always kept me in the loop and looked out for the best interests of my clients. He is a brilliant and talented young man who thinks outside the box. I highly recommend him! -Jennifer

Evan Enstrom is awesome, every question we had he answered, even while he was on vacation he was answering our questions either through text or email and kept us informed of what was going on during the process. We really enjoyed working with Evan and would highly recommend him to anyone looking to buy a home. -Rex

Evan was so helpful in helping my fiancé and I purchase our new home. He not only kept us informed every step of the process, but relayed the information to us in such a way that we understood exactly what was needed of us. We went into the process of selecting a loan lender feeling overwhelmed and uneducated, but once we met Evan, those feelings quickly resolved and we were no longer in over our heads! Thank you for making the entire process so smooth and efficient. We appreciate all of your help and highly recommend your services! -Meghan

Evan was very helpful and guided me through the mortgage process. I have and will continue to recommend him. -Matthew

Evan E. was wonderful to work with through out this process. He answered every question I had with haste and diligence. Very happy with how the process turned out. I have recommended him to friends, family and colleagues. Keep up the good work! -Christopher

As a first time home buyer I was anxious about getting a mortgage but Evan guided me along the way making it easy. I love my house and would recommend him to people I know. -Tyler

Evan E. was great to work with. I have since recommended him to friends and family. He answered all of my (many questions) with careful diligence and made my process very easy. -Marcus

Evan was a pleasure to work with. Kept me up to date on every detail which is IDEAL when working with a lender. I look forward to doing business with him in the future! Thanks Evan! -Alisha

Evan is fantastic and a pleasure to work with. I will be using him again with future clients. -Laura

Evan Enstrom is truly a pleasure to work with. My family and I were thrilled with his service, attention to detail, and ability to communicate clearly and concisely regarding the entire process. I would absolutely recommend again and again. Thank you!! -Elizabeth

Evan Enstrom was incredible to work with. He took the time to keep me informed throughout the entire process, all in a pleasant manner. His communication made for a smooth process. It was even more exciting when I locked in a better than expected interest rate and closing costs were below what I had estimated. I highly recommend Evan. His communication and authenticity made for a great experience. -Bryant

Evan was great to work with. He made the loan process easy. Would definitely recommend to a friend. -Ethan

Evan was a pleasure to work with! He took care of everything and made our purchase of a for sale by owner property painless. Will definitely recommend his services. -Kyle

I am a first time home buyer and I had no clue what I was doing but Evan Enstrom answered all of my questions and also did his very best to ensure that I got the best loan rate despite the bumps we had along the way. I am very grateful and would definitely recommend to a friend. -Alexus

Jacob Blazier
Mortgage Loan Officer
Jacob Blazier

Mortgage Loan Officer

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(865) 323-9290 Mobile
(855) 391-0567 Toll Free Fax
Lic #242738 / NMLS #2104414
NMLS #473797

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.

Jacob Blazier, 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.

Jacob Blazier 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.


Jeff Kushnir
Mortgage Consultant
Jeff Kushnir

Mortgage Consultant

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Direct: 615-260-8611
Toll Free: 615-872-8488
NMLS 1532401

Jeff Kushnir has been in the mortgage industry for almost a decade and finds great satisfaction in helping people purchase their homes. Jeff has found great success in the mortgage industry by providing exceptional customer service to his clients. It provides him great pleasure helping people achieve home ownership. He currently lives in Mt Juliet with his wife and 3 children. In his free time, he is an avid sports fan and is an active hockey player. Jeff looks forward to serving you and providing a great home buying experience.


My husband and I began working with Jeff Kushnir and First Choice Lending back in September of 2020. Jeff was very knowledgeable and made the process easy. He answered every question we had and was great to work with. We had several issues come up with the sale of our old home and even had to delay buying until ours sold. Once we sold our home and were actively looking to buy again, Jeff picked up right where we left off. We were finally able to move into our new home in March. Thank you Jeff and FCL for all your help in this process and for helping us to get into our forever home. We appreciate you more than you know! -Samantha

First Choice Lending Services made our process as simple as it could possibly be. Through putting a contract on a house, then losing the house, to getting our forever home. Highly recommend Jeff Kushnir and team for any lending needs. A+ Service. -Brad

Excellent experience with First Choice. Jeff Kushnir made the home buying experience seamless and stress free. Highly recommend. -Drew

We worked with Jeff when we moved to Nashville and he is hands down the best lender I've ever worked with. His attentiveness and willgness to go the extra mile makes every step of this process seamless. He will make it happen for you and we are so grateful for his help! -Kelsey

We worked with Jeff Kushnir at First Choice and had the best experience! He was able to close on our house faster than I imagined, but more than that I felt like he was really a proactive advocate for us in the process. Unprompted, he researched options for us that would get us the best solution for our unique situation. Would recommend him to anyone! -Kelley

Jeff was incredible to work with! He was prompt, proactive, and creative in finding solutions for our problem and we were able to close quickly!! I’ve already referred 3 people because the service was so great. -Taylor

Jeff Kushnir of First Choice was wonderful to work with. He ensured that I got the best rate possible and kept me updated on every step of the process. Jeff was accessible and willing to answer any questions or concerns with kindness and patience. I can't thank him enough for making my refinance experience so fast and seamless. -Jacque

Jeff Kushnir at First Choice is amazing!! He went above and beyond his role in this loan to assist us with all of our needs. He was consistent, trustworthy and reliable — even when our realtor did not want to be. If you’re looking for someone who will fight for your rights, and do everything possible to get you the best rate possible, Jeff IS the guy to ask for. Jeff, thank you for trying so hard to make a stressful situation less stressful for us! You have no idea how much we appreciate it, or how thankful we are to you for the role you played in the purchase of our home!! -Marc & Lisa

I have owned my home for almost 7 years now, and decided to refinance due to such low rates. I also needed to cash out some equity to do some home improvements and repairs. Jeff Kushnir and his team made this entire process VERY easy and even enjoyable. They took any guessing out of the equation and even were able to guide and ease my mind with what can be a stressful process. Jeff was amazing and readily available to answer any questions at just about any time. Most companies won't answer past closing time or off days, but due to my work schedule, Jeff did an amazing job responding quickly even later into some evenings. I highly recommend First Choice Lending, and will definitely be back next time I need help with anything mortgage related!! -Matt

Just used Jeff to close on a very complicated loan that was also involved in a lawsuit. He handled ALL of it with knowledge, professionalism kindness and caring throughout the entire process. Always going the extra mile. Looking out for things I didn’t even know to ask. Would HIGHLY recommend him and would absolutely use him again. -Charlene

Jeff was the perfect person to partner with on my first time home purchase. He was knowledgeable about every financial piece along the way and patient to explain each part of the process. He gave sound financial advice, and looked for the best fit for my financial needs. He was always responsive and quick to get back with me if I ever had any questions. I would be quick to recommend Jeff for any business in the future. -Rachel

Jeff was a pleasure to work with. He kept me up to date every step of the way on my mortgage process. He answered any questions or concerns I had immediately. Given a chance in the future he would be my first choice to work with. -Selby

I worked with Jeff on refinancing my mortgage and he did an excellent job. He kept excellent communication and made the whole process very smooth. -Demi

I worked with Jeff on our first home purchase. Jeff was extremely responsive and put up with all of my questions and confusion with grace at any time of the day via email, phone, text. He knew when it made sense to speak over the phone vs a text to make sure nothing was lost in translation. Truly I can’t imagine a better first home buying process! -Caroline

Can’t say enough about our experience with Jeff Kushnir at First Choice Lending. As first time home buyers, we were so nervous going into the home buying process. Jeff walked us through every step of the way and he always made us feel so comfortable and confident. He went above and beyond to make the entire process a great experience. We’re so thankful for him! He even feels like family now. We will recommend him to everyone!! -Erica

Jeff Kushnir was the loan officer I worked with while in the process of buying our first home. Jeff was always friendly and very quick in getting back to me with answers to any questions or concerns I had. I would highly recommend Jeff to anyone who is looking to purchase a home!!! -Brandon

We are first time home buyers and Jeffrey Kushnir was our loan officer! Amazing job! Highly recommend! -Amanda

Words cannot describe how much I owe Jeff Kushnir. Being a first time homebuyer, my fiancée and I had no idea what we were doing. Jeff took the time to explain everything (even a couple extra times) and maintained his level of professionalism throughout the process. Even during the tail end of the process, we threw SEVERAL curveballs his way and Jeff handled each of them with ease. 5 stars isn’t a high enough rating for this man and the company he works for. 5 stars plus an extra 5! Thank you so much, Jeff and First Choice Lending Services!!! -Travis

We found this company from Lending Tree and from the start to the finish they have done an amazing job. We worked with Jeff and his turn around time for calls, emails, etc was very fast. No question was too dumb or silly and his knowledge and assistance in our first home purchase has been great. Even our Real Estate agent asked where we found this guy cause of how quick the turnaround time was I highly recommend folks work with this company to assist in all their lending needs. Thanks Jeff for making this a great process!! -David

Jeff at First Choice Lending was so very helpful in all the process with my wife and I getting a new house! I will recommend him and this company to others so they have a good experience like I did. -Kurtis

Larry Knox
Mortgage Consultant
Larry Knox

Mortgage Consultant

Apply with Larry

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Direct: 615-829-7176
Cell: 615-496-0533
NMLS: 1794265

Larry is a lifetime resident of Middle Tennessee. He resides just north of Nashville with his wife Neely and son Gage. Larry is very people oriented. He understands the sense of pride that comes with home ownership and will go the extra mile to make the loan process as seamless as possible.

Larry is an avid sports fan and loves being outdoors. He enjoys spending time with family and friends. Larry is driven and goal oriented and looks forward to guiding you through the loan process. Larry will strive to make sure your experience with First Choice Lending Services is stress free and a positive one.


Larry Knox did an amazing job helping me with my refinance, explaining everything to me and answering any questions I had and he was super responsive and didn’t keep me waiting. Best home finance experience I’ve ever had! -Ryan

Larry at First Choice Lending was exceptional while working with us for our home refinance. He was knowledgeable, available and over the top helpful. He made the whole process more comfortable and relieved our stresses! I have recommended him to friends and will continue to do so! -Amanda

I had the privilege of working with Larry Knox with First choice lending services on purchasing my first home. I could not be more satisfied. Larry went above and beyond making this experience extremely smooth and easy for me. He was very knowledgeable and answered any questions I may have had either on the spot or in a timely fashion. Looking forward to using this company and Larry for my 2nd home down the road! -Kyle

As a realtor, Larry Knox is my go to guy for any type of home loan. First Choice Lending is lucky to have such a kind and caring person working on their team. I highly recommend them. -Matthew

Larry Knox is fantastic. He went above and beyond to help me with my clients needs on securing the best loan at the best rate. -Jillain

Mr. Knox was truly amazing! He handled our loan with the speed of light. Was there for questions 27/7! Buying a home can be such a stressful process, but through it all he was there reassuring us our job was never to worry. He gave great advice, and was helpful in every area. I will for sure use him again, and gladly recommend him to anyone! -Christi

Larry Knox was nothing short of absolutely amazing!!!! I was never left wondering what was next!!! He contacted me daily to give updates and it was a smooth process. If we had any bumps in the road he was quick to fix them!!!! -Amanda

Before I met Larry and the team at First Choice Lending Services, I was frustrated with the whole mortgage process. I had been pre approved with another company that when it came down to it, didn’t offer the kind of loan I was looking for. And I started to feel pressure to just buy anything. I saw an ad for First Choice Lending Services because I was looking to do a 203k loan. From the start the process was different because I never felt any pressure or concern about the way they did business or who I was giving my personal information to. Larry was helpful in making decisions and answering questions but more importantly he was always accessible. There was never a time when we needed him that he wasn’t there for us (even when he broke his leg). From start to finish working with our realtor and the lender Larry made the process easy. If I had questions he wouldn’t stop until he got an answer and I can’t think of a single time I had to remind him to get anything done. When we closed, my wife looked at me and said “man you’re going to miss talking to Larry”. I’m not one of those people who gives glowing reviews to everyone in fact this is my first time giving an online review. But we really appreciate the team at First Choice Lending Services and would highly recommend them to anyone looking to buy a home. -Michael

I worked with Larry Knox from first choice lending service's to obtain a home loan. I am a first time home buyer and I choose to get a USDA rual home loan . He made the entire process easy and any questions I had he answered and put my mind at ease . If I ever have to finance a home agian picking Larry Knox as my loan officer would be a no brainier. Call him up today you wont regret it. -Barry

Randy Carie
Mortgage Consultant
Randy Carie

Mortgage Consultant

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Direct: 615-829-7169
Cell: 615-513-2572
NMLS: 1159463

Since coming on board with First Choice Lending in January of 2014, Randy Carie has become one of our senior Mortgage Originators receiving top loan officer awards on several occasions. Rooted in working class ethics, he has developed a “sense of care” and true understanding for how important purchasing a home can be. With that understanding, he has a genuine passion for helping people purchase their home.

Randy grew up in southern Indiana, working on farms, playing sports, and enjoying the outdoors. He then continued his passion for sports by playing collegiate baseball and eventually graduating from Indiana State University in 1996. Randy moved to Nashville as an aspiring musician in 1997 and was able to play music all around the Nashville area for years, as well as different parts of the world until starting a family in 2008. Now days, you can find him (or hear him!) coaching his son in baseball where he and his wife, Becky, and son, Zachary, live in Hendersonville, TN.

“My clients deserve my best effort. They deserve to be treated with the same respect and dignity that I would want to be treated… So, that’s what I try to do.” – Randy Carie


I was a first-time home buyer with no knowledge of the process. Randy Carie was incredibly helpful and patient. He was quick to respond to emails, and even called me one evening around 8:00 because I was stressed and had a ton of questions. He made the process much easier than I think it would have been otherwise. I would definitely recommend First Choice Lending to other first-time buyers, but specifically Randy Carie! -Jennifer

We worked with Randy Carie and he was truly a professional. He helped us through the entire process and was great! We would highly recommend him to anyone! -James

Randy Caire helped me through my first refinance. He was very knowledgeable and walked me through every step of the process. Despite my inexperience he was able to get the refinance done quickly and able to lock in the rate he initially promised. Randy also helped me with my initial purchase of the home and was just as helpful then and as was with this. I would recommend him to anyone regardless of your experience with purchasing a new home or refinancing one. -Eric

We worked with Randy Carie. Couldn’t have been easier! Highly recommend him! -Xxfallenfate

We love our new home We found Randy Carie through Lending Tree and he was fantastic to work with for our home loan! Made it easy and answered all of our questions. We will use him again for sure! -Colton

Just finished up our home purchase with Randy Carie. Great experience and I'd highly recommend him. My credit wasn't perfect and he was able to get me through the entire process to buy our first home! My wife and I are so grateful! Thanks Randy! -Timothy

Randy Carie is an A++ loan officer! I had so many questions and concerns. He was able to guide me through the loan process effortlessly! Thanks Randy for being so patient and helpful! -Becky

Randy Carie has been an amazing lender for my clients. We started in the real estate industry at the same time and have worked together for many years. He has a great personality that appeals to anyone and he makes the lending process much less stressful to my clients than most. He is a comedian but still keeps it professional but still as fun and as stress free as possible. I would recommend Randy and First Choice Lending to anyone. You won’t be disappointed! -Donald

I worked with Randy Carie and he was great! Answered all my questions, and we had a bunch! haha!! Very nice guy and I would highly recommend Randy to anyone looking for a great loan officer! -Billy

I had the pleasure of working with Randy Carie and even with all that's going on he stayed on top of everything and did his best to make it as easy as possible on me. I would highly recommend him if you're looking for a lender for purchasing a house. -Mitchell

I worked with Randy since the start of my process of purchasing my home. Since the beginning, Randy was on top of things. He was always willing to answer my questions or get back to me if he didn't know the answer to it at that moment. Every time I needed a new document or form filled out he made it easy for me to do through emails. The closing almost didn't happen on the day it was supposed to but thanks to Randy going above and beyond it was possible. Thanks First Choice and thank you Randy. Will definitely recommend to anyone trying to purchase a home! -Angel

I would like to start off by saying THANK YOU RANDY. This was our first time buying a home and he made it all possible. His professionalism, communication and care is second to none. You may always hear Lendor's are just there to take your money, This is not the case if you work with Randy. He will walk you step by step through all the numbers and ensure you the best rate's. We are very pleased and thankful for Randy. If you are looking for someone to help you, look no further call him NOW. -Juan

There a lot of set backs with the property I was looking to buy. Every step of the way their seemed to be a problem that needed to be worked around and they found a way every single time to make getting my home a smoother process. I would highly recommend working with this group in finding and closing on your next home. -John

We appreciate all Randy did in helping us refinance our home. Very professional and informative. Enjoyed doing business with him. -Patricia

Randy did an incredible job of walking us through the refinancing process, got us a great rate and knocked 8 years off of our mortgage. Highly recommend and ask for Randy to help with your home loan! -Will

Randy helped us when we originally purchased our home in 2017 and was even better with our refinance! He was able to get us a much better interest rate and lower monthly payment and the best part is he reached out to us! We had been discussing refinancing but hadn't pulled the trigger but when we got his email we knew it was the right time. I will always recommend Randy Carie! -Heather

Randy was very helpful in getting us the best rate possible. I would recommend First Choice Lending and specifically Randy Carie. He made the experience of refinancing smooth with is professional attitude and attention to detail. -Michael

Randy Carie was great to work with. He made the process very smooth, and easy. Highly recommend him and First Choice Lending. -Cody

Randy was very efficient and organized with every detail, made the process easy!! Would greatly recommend his expertise to all! - Meredith

Mr. Carie is by far the best loan officer I have had the pleasure in doing business with. Mr. Carie and First Choice Lending took care of all my needs and made the home buying process simple and worry free. -KC

Randy was great to work with! This was our second home purchase and we were purchasing from out of state. We had worked with other lenders from around the area and Randy was the most prompt and straight to the point as if we were his only clients. We would highly recommend Randy for those things stated above, as well as, his knowledge within the home buying, selling, and other's in the process which we would highly recommend as well! You can't go wrong working with Randy! -Sean

Randy was very friendly and really easy to work with. He was quick to respond to all of my questions. I would definitely recommend working with Randy! -Stephanie

“When it seemed that there was no hope for me to close on my house he was more than professional and supportive. Then when another avenue opened Randy went right back to work to get my paperwork in order. Owning my home was a dream that I did not think was possible. He did not give up on me. I can't say enough about how hard he worked to make my dream come true!” –Linda

“Randy helped us get approved for a home loan that we didn’t even think was possible! He was knowledgeable in all financing options. He was patient with us throughout the process as we had many questions. His answers were concise.” –Miranda

“We are very grateful for Randy Carie at First Choice Lending Services and the service he provided to help us get our mortgage loan for our retirement home we’ve always dreamed of. So thank you, Randy Carie, for the timely and effective service you provided for us making our dreams come true on the mountain top of Tennessee!” –Rick and Darla

Randy Carie was great! If I had questions all I had to do is pick up the phone and call. He was very helpful. I would recommend my friends to First Choice Lending 100% -Mike

Was very patient and help me every step of the way. Kept me informed on everything they while way and was there anytime I had a questions. -Phillip

Randy is the best in First Choice Lending Services I would recommend him to anyone! We have used him twice and he went above and beyond our needs! -The Meyer's

Randy Carie was extremely efficient and worked quickly to get us the best rates in a timely manner for our new home. His communication was superb and he was quick to answer any questions we had. The whole process was so smooth and I will definitely be recommending Randy to my friends & family. The whole loan process can be scary, but First Choice Lending helped make this a positive experience. -Jaime

Highly recommend Randy Carie and First Choice Lending! He handled our mortgage when we bought our house this year and was very helpful, professional, and knowledgeable. He walked us through each step of the process and helped make our dream a reality. -Landon

Zach Wyatt
Mortage Loan Originator
Zach Wyatt

Mortage Loan Originator

Apply with Zach

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(615) 738-1671 Mobile
(855) 391-0567 Toll Free Fax
Lic #243081 / NMLS #2119533
NMLS #473797

Zach Wyatt is a Nashville native, born and raised just down the road in Donelson. He loves writing and playing music, reading, and traveling, but most of all he loves people. He prides himself on his efficiency and his kindness, and his goals are to not only get you through the loan process but to make it a smooth and pleasant experience with us here at First Choice Lending.