Thank you for all the advice and being so much more that “just our lender”, as you were also so caring and kind.

~ Trish & Glenn Tennis


Fountain City Finance was incredibly easy to work with! Daryl was great throughout the whole process. These are the guys you want to be part of your next house purchase.

~ Brandt & Mariel Crawford


I just wanted to again say thank you for all your help during the home buying process. This has been so easy, and your largely responsible. Whenever the opportunity presents itself, I will whole-heartily recommend you and your company for any of my family, friends or acquaintances.

~ Lee Robbins


We were first time home buyers and Fountain City Finance made our experience easy and painless. Thank you so much, Daryl DeCosta, for guiding us through this process. Your company was great to work with. I’m glad we chose you!

~ Matt & Leah Ailey


Thank You to Daryl and the Team at Fountain City Finance! They Got us a good rate, and reduced our payment, and knocked 6 years off current Loan! Very pleased with the service and all they did for us! We would Recommend to anyone!

~ Glenn and Shawnna Burkhart

I highly recommend Daryl at Fountain City Finance Company for all your Mortgage needs! Daryl is friendly, extremely professional and eager to earn my business. The Team there is extremely professional, knowledgeable and will make your experience an easy one! Many thanks to their entire staff, I will return for all my future business

~ Satisfied Customer

Thanks….and thanks for a smooth, quick and enjoyable loan process. I have done 4 or 5 of these in my lifetime and dealing with Fountain City Finance has, by far, been the quickest and most problem free process I have dealt with. Please thank all the nice folks there for me. Thanks again
~ Jeff Hughey

Fountain City Finance was and is an exceptional place to work with. I am a first time home buyer, they made the process quick and easy. They will get you to closing on your home fast. I would recommend Daryl DeCosta at Fountain City Finance to everyone looking to buy a home.

~ Jeff Breedlove

I had been interested in refinancing my home so I could pay off some bills and get back on track after some bad plumbing luck. I had checked a couple of other places with whom I was familiar but was having a long wait on their responses or they did not have competitive rates. I heard the commercial regarding Fountain City Finance on WIVK a couple of mornings on my way to work and thought- why not contact them. I actually e-mailed them at lunch to begin with because my day was going to be busy – they replied the next morning.

They made the entire process very easy and worked with me on my time schedule. I was very pleased with their process and their staff, Daryl was exceptional and answered all my questions. I do not hesitate to recommend them to anyone who has asked me. If I had to finance or re-finance again I would definitely go to them again. Thanks Fountain City Finance for making the process easy & friendly.

~ Norma Forsythe

Lisa & Everyone at Fountain City Finance, thank you so much for the fast & friendly service!

~ Michael & Charly Cantwell

Fountain City Finance provided us with excellent service – very efficient, effective, and professional. We closed in less than 30 days, and, did I mention the fantastic rates – no one can beat their rates, not even close. If you want fabulous service and unbeatable rates, go to Fountain City Finance – they’re the best in the business – bottom line!

~ Nikki Berger

One of the rights of living here in this fine country is the consumer’s right to “shop around.” Refinancing is no exception. After hearing Fountain City Finance’s ad on the air every morning during my commute, my curiosity was peaked and I called them @ 4:pm on a Friday afternoon.

Daryl provided us with hard numbers, in writing, that same day. The very next night, we attended a sporting event and saw ads for a competitor. We called that business Monday morning and were promised “we’ll smash the competition!”

It took 2 days to even receive their fee sheet. They were exactly $1,000 HIGHER in closing costs at the same rate/term! NICE TRY.

We closed on our refi yesterday, at our place of business, on our lunch break AND it only took a whopping 13 minutes! BAM!

To recap: save yourself time, unnecessary paperwork, and unwanted aggravation!! Call Daryl @ Fountain City Finance TODAY!

Wishing you continued success,
~ Tracey Crysdale
East Tennessee

The team at Fountain City Finance helped us purchase our new home with no issues and for less fees than other lenders we considered. They looked out for our best interest. Daryl, Shayn and Reita all worked to make the loan approval process run smoothly. Thanks Fountain City Finance for your help with such an important purchase.

~ Tiffany Martin

Daryl and the team at FCF were great to work with. My husband and I both have very busy schedules and FCF accommodated us very well. Quick response time and friendly. We highly recommend anyone to use FCF.

~ Lindsey Noble

Receiving my first home loan with Fountain City Finance was quick, easy, and stress-free. Each associate that assisted always had positive attitudes and willing to help at any moment. Overall experience was excellent, and I look forward to working with Fountain City Finance again on any future home loans.

~ Ondes

I heard of Fountain City Finance on 98.7 Talk Radio, so I figured I would try them out. After my last refinance a few years ago that took over 4 months with my bank at the time, I figured I had nothing to lose. I called and the refinance went through in less than 30 days, every transaction went through fast and seamless, and no stress at all. These guys are the greatest, by far the best refinance I have ever done. I would highly recommend them!

~ Ed Burinda

OUTSTANDING!!! That’s the word I would use to describe your organization’s customer service!

Thank you for everything!!!! You all really helped us during the whole process and were patient with us in a stressful situation.

We appreciate you so much and are telling everyone how pleased we were with your company.

Many, many thanks!!!

~ Joy Allen

I’m writing this to let you know how much I appreciate all your help to make my home purchase as painless and effortless as possible. You and your staff were a pleasure to work with and took time and patience to explain each step, which was way more than I first expected.

Thank you Fountain City Finance!!!

~ Suzanne Holt

Me and my wife just wanted to thank you and Fountain City Finance for all your help. Everybody we ever talked to, whether it was on the phone or in the office, were all very nice and respectful. Now that we have worked with y’all we wouldn’t work with anybody else. Thank you Daryl and Fountain City Finance for all your help.


~ Michael and Brooke Butler

After being denied at A local bank, I heard an ad on the radio for Fountain City Finance. I spoke with Daryl when I called in, explaining my situation, and that we only had a short time to close. Everyone in the office was very friendly and extremely helpful. The closing experience was great. My real estate agent was Jennifer Nunn from Ball Realty. She and Daryl worked together and helped me to close in a short 3 1/2 weeks. A special thanks to Jennifer, Daryl, Reita, and all @ FCF for making the dream of owning my own home a reality, just before the holidays.

~ Michael

Scott and I would like to thank you, Daryl and your staff, for making our lending experience stress free and a smooth process. Being from New York and purchasing a home in Tennessee, we were unfamiliar with the lending process. Our realtor provided us with many contacts. I made several phone calls to different lenders and you returned my call immediately. You were extremely helpful and walked us through the entire process. This was a totally new experience for Scott and I, and living 12 hours away you provided calmness and put us at ease.

You were always available to answer any question we had. Nothing was considered trivial or unimportant. You always made us feel we were your one and only client. We thank you for that. Our entire lending experience from beginning to the closing was handled very professional, yet we always felt on a personal level.

We would recommend Fountain City Finance to any future borrower. Thank you again for making our dream come true by lending us the money to purchase our dream home.

~ Scott and Cindy Brown

I used Fountain City Finance because they were prompt to jump in and help me. I had called and talked with them about my needs of refinancing. They called me when the said they would, and made me feel comfortable. All the ladies were very nice and made me feel welcomed. My loan was closed in a timely and professional manner.

~ Melissa Yarber

I would recommend them to anyone. The delivered fast quality service and we closed ahead of schedule. Daryl Decosta and the crew at Fountain City Finance were a pleasure to deal with.

~ Karl Naglitch

We choose Fountain City Finance after calling and speaking with Daryl Decosta. They were willing to work with us and our new jobs that we had just acquired. They gave us an excellent experience and were highly recommend to us from friends and family. We were able to attain our dream home because of them.

~ Heather Tetzloff

I decided to go back to Fountain City Finance after I had used them in the past. I checked around but I do not know why, every time they have given me the lowest closing cost and the best rate! They will have my business for life!

~ Sherry Mccreary

Fountain City Finance was referred to me from a friend at work. I must say I was impressed. The handled my VA loan quickly, and before I knew it I was in the home. It was a great pleasure to work with them.

~ Jessica Moylan

I can’t even begin to say enough wonderful things about Fountain City Finance. After working with Churchill Mtg. for 6 long exhausting months, I called Jack at Fountain City, he was professional, informative, courteous and he gave me hope that my refinance could be done. After only 30 days, Fountain City Finance closed my loan. Everyone there was so helpful and kind. Don’t waste your time and money going anywhere else. This company is AMAZING. I will forever sing their praises and be grateful to Jack and Fountain City Finance.

~ Brenda Miller

I would like to say one final thank you to you and your staff. You have truly outdone yourselves. I am so very happy with the entire process and the very helpful staff. I can’t believe I am going to start saving $200 on my mortgage each month. I feel like I’ve won the mini lottery (LOL). I wish I would have come to you sooner! I am definitely going to recommend any friends or family looking to refinance to give you guys a call. Thanks you again for all of your help.

~ Emily H.

Lisa, Pam, Tammy,

I can’t begin to express my gratitude for your kindness and h elp in buying my “first” home! You all have went way beyond anything I could have expected! This has truly been a joyful experience! Again, thank you so much!

~ Caroline

“I recently used FCF for a VA IRRL. I cannot say enough good about Daryl
Decosta and the staff at FCF. Daryl was very straight forward and honest
about the fees involved and also took time to explain other counter offers
that I had from different lenders. The staff was courteous and the process
went smoothly to include the closing which probably took less than 30
minutes. I would definitely recommend them for your future home loan

~ Brian Cotton