Jackie and Stephanie Duignan
“It was an absolute pleasure working with Daryl. He made the process painless. I would highly recommend anyone looking for finance help, contact Daryl.”
Phillip and Kara Brannon
“You took the stress out of home buying and we’re always friendly, helpful and professional. You all came highly recommended and we will definitely highly recommend you to others. Thanks so much!”
Brenda C.
“Daryl and the crew at Fountain City Finance kept me on track with my first home purchase! Every person I spoke with was always kind, professional, and helpful with anything needed.”
Brandt & Mariel Crawford
“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.”
Matt & Leah Ailey
“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!”
Michael & Charly Cantwell
“Lisa & Everyone at Fountain City Finance, thank you so much for the fast & friendly service!”

“I am embarrassed I haven’t written you sooner to tell you how much I appreciate your help in refinancing my home to take advantage of the current extremely low interest rates. Your recommendations saved me a lot of money, and the paperwork and processing of the new loan were made very easy and seamless by your excellent staff. They go out of their way to make the process seem simple and were so helpful in assisting me in gathering and providing the necessary documents for the new loan. I can’t thank you and your excellent staff enough for their great work and friendly attitude in making what one would think is a difficult process into something which they made pretty simple.” ~Mr. Koksal

“Gena….you helped with my mortgage refinance and I want to thank you so much. It has brought such a financial relief to me. It happened quickly and painlessly. I came in with some credit issues back in January and was able to improve my score with some advice from Jack as quick as June. Your firm helped me so much and I appreciate you. I am indebted to you I would recommend your group very highly. THANK YOU.” ~Donald Disney

“We had been looking to move for several years before we finally did. The thing that held us back was the horror stories we heard from people about the financing process and what a nightmare it was. We went to Fountain City Finance and from the moment we walked in the door, everyone we encountered was friendly and helpful. It turns out that the financing process was the easiest part of our home purchase. We had some challenges along the way, but Daryl and the whole team took the time to answer question and reassure us when we needed it. We would highly recommend anyone looking for financing assistance on a home go see Daryl and his team, we actually already have told several people! Thanks again for everything we did for us, the house we bought really is our dream house!” ~Stephanie Duignan

“We can’t say enough good things about Fountain City Finance with regard to their professionalism, courtesy, knowledge, and especially the teamwork that exists within this company. They have helped make our dream come true and we could not have done it as painlessly with anyone else we believe. THANK YOU SO Much!” ~Mark and Lin

“It was an absolute pleasure working with Daryl. He made the process painless. I would highly recommend anyone looking for finance help, contact Daryl.” ~Jackie and Stephanie Duignan

“You took the stress out of home buying and we’re always friendly, helpful and professional. You all came highly recommended and we will definitely highly recommend you to others. Thanks so much!” ~Phillip and Kara Brannon

“I recently used Fountain City Finance to help me get a loan for my home. Everyone one from pre qualifying to the last step in actually getting the loan was excellent. They were very friendly, and patient and Reita Jennings answered my 101 questions a day without delay. She returned phone calls and emails in a timely manner and never kept me waiting. They realized what a stressful time this is and were very kind and always willing to help.. FCF made home buying a lot less stressful!!! Thank you so much!!!” ~Angie Johnson

“My experience with Fountain City Finance could not have been better. From the time I applied for a home loan until closing, their people were always available, courteous, knowledgeable and helpful. They worked to get me the best possible interest rate, walked me through the complete process and made everything as easy as possible. I appreciated their willingness to answer my questions, their prompt responses, and, most of all, their friendly attitude. If all business matters were handled with their attitude and expertise, this world would be a better place. Thanks to their staff, particularly Reita Jennings.” ~Ron Koksal

“I have worked with Fountain City Finance before on my previous home – and went back to them again for my new home purchase. I shopped around and they had the best rates, the best closing costs etc. However, that aside, Daryl was great to work with- very helpful. He helped me with budgeting my home purchase etc so I knew exactly what we were getting into. His processing folks (Gena) were awesome to work with. I would 110% recommend Fountain City Finance – and ask for Daryl” ~Mr. Manring

“Daryl and the crew at Fountain City Finance kept me on track with my first home purchase! Every person I spoke with was always kind, professional, and helpful with anything needed.” ~Brenda C

“I have bought 4 houses in my life and I have to say the financing was the easiest with Fountain City Finance. I called and talked to Daryl who got me pre-approved in about 2 hours. I found the house I wanted and made an offer. From the Time I got my pre-approval to moving in was only about 4 weeks. I worked with Heather at Fountain city finance and she kept me informed the entire time and was always their to answer questions and to tell me the status. I cannot say enough nice things about all the people at Fountain City Finance. If you are looking to buy a house in or around Knoxville you need to give them a call.” ~Scott Purkey

“When the opportunity came for me to accept my dream job, my husband and I knew we needed to refinance our home and start our new adventure. The people at Fountain City Finance also viewed my new position as an opportunity and not a road block as another lender did. Gena was amazing, helping us move through the process and negotiate with a previous lender. This is a home grown company that cares about the folks of East Tennessee. We would never want to work with any other company.” ~Emily

“I highly recommend Daryl Decosta from Fountain City Finance. I used him for my first loan and was very pleased. When I was going for my second home, I originally started out with another company but was dissatisfied. I called Daryl and he took care of everything. I won’t use anyone else but him. He made the buying process easy and gave me the best rate. He was quick to respond to emails and questions. Always friendly and professional. Thanks again Daryl!” ~Karie

Dear Mr. DeCosta, I would like to take this opportunity to thank you and your staff for facilitating the purchase of my home. As a first time buyer I had no idea what to expect, your level of professionalism and your hard working staff made truly made it painless. I cannot begin express my gratitude for all of the services you provided. As a veteran, I would also like to thank you for the extra effort that was put in to processing my VA loan. Only after completing the process can I fully appreciate all of the work and organization that went into making this happen. I would rate the communication with your business as outstanding. The prompt responses I received from team members Reita Jennings and Gena Oliver were extremely helpful and very much appreciated. Both individuals were a pleasure to work with and made themselves available at every step. Every question was answered quickly and with confidence. Fountain City Finance made home ownership a reality for my family and I and we cannot thank you enough. If anyone has any doubt about taking advantage of the services you provide please send them my way. I would be more than happy to share my experience with them. Thank you for all that you do for our community. ~Paul W. Finley II

My experience with Fountain City Finance was great. They were very helpful during the loan process of purchasing my first home, and always there to answer any questions I had along the way. I got the pleasure of working with Daryl and Gena, and they were amazing! I recommend anyone looking to purchase your first home or a new home go check them out! There are a lot of different loan options available when purchasing a home, and they are there every step to make sure you are set up on the best loan to fit your needs. ~Jessica Adkins

Neal and I feel completely blessed to have chosen such a caring and helpful finance company. They went above and beyond to provide outstanding customer service. We had lots of questions and they were always patient, timely and kind to stop what they were doing and help us. We appreciate their integrity throughout the entire experience! We are a Daryl and Heather fan and highly recommend Fountain City Finance!!! ~Angie & Neal Denton

I have been thinking about refinancing my house for a couple of months and heard the advertisement for Fountain City Finance. I prefer to keep my business local whenever possible and after a 10 minute conversation with Daryl I knew I had made the correct choice. From reviewing my loan options and making a decision all the way through closing Daryl, Gena and the rest of the team at Fountain City Finance were accessible, helpful, friendly and informative throughout the entire process. I can’t imagine a better choice for my home refinancing and recommend anyone looking to refinance their home contact Daryl and his team because you will not be disappointed. ~Matt Smith

Fountain City Finance made refinancing my house a pleasure! When considering a mortgage or refinance there is a fear of not understanding; not being smart enough; being taken advantage of because the ‘money people’ speak a different language (finances). I can say from personal experience that when there was something that I didn’t understand I called or emailed FCF and they took the time to explain the subject. I don’t remember having to wait more than a few hours for Heather or Daryl to respond to my emails (even to this day, I can call with a mortgage question, it’s like I’m a part of their family). I had dreaded the refinance process for two years and I actually met Jack a year ago to review my options. He could have easily said no, your score isn’t high enough, but he listened to me and instructed me exactly what I needed to do to improve my credit score – which I followed to the letter. So when I finally called to start the process, I wasn’t sure what was going to happen – but Heather, Daryl and everyone else at FCF completed their steps so efficiently that I was closing within 30 days of filling out the application. You are reading this because you are considering a mortgage or a refinancing – There is no need to read any further, just stop and call Fountain City Finance now!!! You won’t regret taking this step!! ~ Sharon Sweet, FCF Customer, Halls Tennessee

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. Thanks, ~ 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. Sincerely, ~ 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 needs.” ~ Brian Cotton