About Us

Fountain City Finance has been providing financial services to hundreds of satisfied East Tennessee residents since 1991. We maintain a local, hometown approach while providing first-class customer service for our clients. Our professionalism along with our choice of products will leave you with an outstanding customer experience, unlike any other financial company. We are a locally owned and operated company for over 30 years.

Our sister company Fountain City Funding, Inc. is our mortgage banker division which provides a diversified line of residential mortgage products at great rates and terms. We offer mortgage financing from Conventional products to FHA, VA, Rural Development, and THDA. We also offer our seniors clients, 62 and over, Reverse Mortgage products. Our convenience and professionalism are sure to make the home loan process go smoothly.

Fountain City Finance Company has 30 complaint-free years as a BBB Preferred Member.

Our Team

Jack Amyx Senior Loan Officer

Senior Loan Officer

Daryl Decosta, Senior Loan Officer

Senior Loan Officer

Lisa Amyx, Senior Loan Officer

Senior Loan Officer

Carl Bruner, Reverse Mortgage Specialist

Reverse Mortgage Specialist

Shayn Decosta, Loan Manager
Gena Oliver, Loan Processer
Reita Jennings, Loan Processor
Heather Decosta, Loan Processor
Melissa Armstrong, Loan Processor
Fountain City Finance will not discriminate against any person because of race, color, religion, sex, handicap, familial status, or national origin. This law is enforced and mandated by the Federal Fair Housing Law.

Anyone who feels he or she has been discriminated against may file a complaint of housing discrimination: 1.800.669.9777 (toll free), or 1.800.927.9275 (tdd), U.S. Department of Housing and Urban Development Assistant Secretary for Fair Housing and Equal Opportunity, Washington DC 20410.

Documents Needed
Customer will need to gather together most of the documentation listed:

  • 2 year’s tax returns with W2s or 1099s
  • Will need the most recent 30 days’ paystubs from current job(s)
  • Will need the most recent two months’ bank statements
  • Will need employment history the previous 2 years
  • Will need a copy of driver’s license and social security card for applicant(s)
Fountain City Finance Fair Lending Statement

Fountain City Finance Fair Lending Statement

Fountain City Finance is committed to treating all individuals fairly and equitably in the conduct of its lending businesses in all jurisdictions where it conducts business. This commitment is part of our fundamental mission of providing quality financial services to existing and prospective customers in accordance with all applicable laws. In the United States, this principle is embodied in fair lending laws such as the Equal Credit Opportunity Act and the Fair Housing Act. These laws require the equitable treatment of all credit applicants, without regard to race, sex, sexual orientation, color, national origin, religion, age, marital status, disability or other prohibited basis. Denying any person equal access to basic economic opportunities, such as home ownership or credit, is morally repugnant, and has no place in our company and will not be tolerated.

Only through the efforts of all of us at Fountain City Finance can we ensure that every applicant is treated with the upmost importance, and is allowed a fair opportunity at the financial process.

Annual Fair Lending Notification

Fair Lending is the law and moral obligation of every individual providing service in our industry. Fountain City Finance has adopted the accompanying Fair Lending Statement which reflects our commitment to the equal treatment of all credit applications.

Fountain City Finance policy is to promote the availability of credit on a safe and sound basis to all credit-worthy applicants. We evaluate each credit application on its merits without regard to the applicant’s race, color, ethnicity, national origin, religion, gender, marital or familial status, sexual orientation, disability, age, the fact that the applicant receives public assistance, or may have exercised rights under the Federal Consumer Credit Protection Act.

Fountain City Finance policy of fair treatment and equal opportunity extends to every aspect of the credit transaction. This includes, but is not limited to the advertising we promote, the application’s we take in, the pricing and the processing of our loans, the underwriting of our loans and the purchasing of our loan products.

Privacy Policies

Privacy Policies

Fountain City Finance understands the sensitive nature of your financial and personal information, and we take the necessary precautions to protect your privacy. Entrusting us with this information, you can rest assured we are using it for the fulfillment of your loan only.

We do not sell, rent or trade any client information to other companies.

We protect your information and provide you with the option to control how it may be used.

Fountain City Finance gathers any and all information that has been requested by the consumer, and delivers products based upon the demands of the consumer. Our website is secure and transfers the consumers information directly and securely to the staff at Fountain City Finance.