What people are saying... What people are saying... Back to profile
Very professional, responsive and always available!
John D. - Pollock Pines, CA | Apr 2022
Mary Jo and Katie are excellent!
Carolyn D. - Auburn, CA | Apr 2022
Excellent and personal service above and beyond.
Gabriel P. - Auburn, CA | Mar 2022
Excellent staff who were highly attentive and guided us through every step of the process.
Christopher F. - Newcastle, CA | Mar 2022
They’re professional and very available whenever I have questions or concerns.
Dianne B. - Auburn, CA | Mar 2022
Communication. In the process of buying a home, communication is paramount and I got that from Mary Jo, Katie and Jennifer
Robert S. - Rocklin, CA | Mar 2022
They were great to work with.
Patrick O. - Roseville, CA | Feb 2022
Willing to consider investment fund income. Very easy to work with. Kept me well informed. Prompt response to any questions.
Jennifer N. - Redwood City, CA | Feb 2022
Great customer service and efficiency with the loan process.
Thomas P. - Nevada City, CA | Jan 2022
They went above and beyond for a very difficult loan process
Adam C. - Placentia, CA | Jan 2022
The team REALLY stuck it with us! This was a very complicated refinance that involved multiple parties beside the VA and the borrower. Mary Jo and her team really handled the attorneys, as well as the accompanying emotional roller coaster with such professionalism and compassion! All in as much of a timely manner as possible considering the situation, they never gave up on giving us the best rate and coming through with TOP RATE SERVICE!!!
Kevin S. - Rocklin , CA | Nov 2021
Mary Jo and her team were absolutely amazing in all aspects of the buying process. I felt supported and never like I was a burden asking all my silly questions.
Benjamin U. - Sacramento, CA | Nov 2021
Friendly, fair, honest and prompt response.
James W. - Auburn, CA | Nov 2021
Mary Jo and team were great to work with. Helped get closed early.
Michael H. - Applegate, CA | Oct 2021
Because Mary Jo and Katie were amazing and did a great job looking out for us!
Christopher S. - Alta, CA | Oct 2021
Very helpful, very expeditious, very good at explaining the process
Noelle Y. - Sacramento, CA | Oct 2021
Mary Jo was very active with our re-finance every step of the way. Should be noted that we have used MJ in past re-Fi's....
Thomas M. - Auburn, CA | Sep 2021
My loan team headed by Maryjo Payne. She made the process simple and answered all my questions in a timely and informative manner.
James C. - Loomis, CA | Sep 2021
great communication. website made it pretty easy.
Jeffrey K. - Mountain View, CA | Sep 2021
They were efficient and they were ready to fund even before the realtor was ready. Awesome experience.
Timothy W. - Auburn, CA | Sep 2021
Very easy to deal with. everyone was great.
Jimmy N. - Citrus Heights, CA | Sep 2021
Great service, friendly, responsive, and very helpful with my questions.
Adam D. - Placerville, CA | Aug 2021
Entire team was very responsive and knew who and what it took to get our loan done in a shortened time frame.
Cindy N. - Carmichael, CA | Aug 2021
Mary Jo Payne and her team were fantastic to work with!
Harold E. - Sacramento, CA | Aug 2021
Great communication, easy to work with, always answered every question I had as a first time home buyer
Keaton C. - Sacramento, CA | Jul 2021
Excellent loan officer and assistant.
Ronald M. - Grass Valley, CA | Jul 2021
Mary Jo went above and beyond to help me make my purchase. If I could rate her a 15 on a 1-10 scale I would.
William M. - Colfax, CA | Jul 2021
Pleasure to work with , knowledgeable , quick .
Melissa B. - Auburn, CA | Jun 2021
Mary jo responded quickly to every step in the process
Terrence I. - Cathedral City, CA | Jun 2021
Mary Jo is awesome. I’ve worked with her a few times before and she remembers my work situation. That makes the process move smoother.
Lorraine B. - Auburn, CA | Jun 2021
Customer service was outstanding.
Diane C. - Auburn, CA | May 2021
Fantastic service! We were kept up to date through the entire easy process
Donna B. - Newcastle, CA | May 2021
The customer service and process was much better than other lenders we have used in the past.
James L. - Grass Valley, CA | May 2021
In the past we had good experiences with Mary Jo Payne.
Kelly B. - Meadow Vista, CA | Apr 2021
They made the whole loan process seamless.
Denise I. - Foresthill, CA | Apr 2021
Customer service and knowledgeable
Marshall G. - Auburn, CA | Apr 2021
Easy to use & understand. Fast process & completion.
Megan D. - Colfax, CA | Apr 2021
Katie, Mary Jo and the rest of the team did an outstanding job! Communicated well, I didn't have any worries throughout the process, what was talked about was done. No surprises I have and will refer Mary Jo and team again in the future!
Donna M. - Auburn, CA | Apr 2021
Mary Jo, has mad skills, she can do anything!! Love Mary Jo
Rhonda B. - Roseville, CA | Apr 2021
Quick response, great communication
Cindy L. | Feb 2021
Mary Jo my contact was fabulous, professional and overall well well done.
Mj D. | Feb 2021
Friendly, professional and they get the job done.
Tony G. | Feb 2021
Because of responding to my questions in a very clear way and doing loan processing at a quick pace. Always available over email or phone for any question.
Dinesh P. | Feb 2021
Mary Jo Payne was amazing. She went beyond and above to help us in everyway
Karen T. | Oct 2020
They keep you informed during the whole process of the Loan. When you call them they either answer or get right back to you.They are Very efficient.
Kirk O. | Nov 2020
My loan officer kept in touch regularly, and helped solve a financing issue that was slowing things down.
Anne H. | Dec 2020
Easy to use. Very speedy. Mary Jo is the best! She is friendly, knowledgeable, and professional.
Steven K. | Jan 2021
Amazing service and attention to,detail
Fred D. | Feb 2021
Competence and easy to work with you at all stages of the loan processing and approval.
Jeannot R. | Sep 2020
Mary Jo came through when we needed her.
Paul M. | Oct 2020
Because of the level of service that I obtained from Mary Jo Payne. She is competent, provides excellent communication, works hard for clients, makes the deal happen and is pleasant to work with.
David B. | Dec 2020
Mary Jo is the best Loan officer. She is efficient, knows exactly what she is doing and is honest about everything start to finish. This was the easiest experience thanks to her and I’ve already referred my mom and dad to Mary jo.
Jason G. | Jan 2021
Responsiveness, communication, staff.
Julia A. | Sep 2020
MaryJo did an excellent job. Really appreciate everything that they did.
Benjamin H. | Oct 2020
Maryjo is the best person to work with!
Ronda B. | Nov 2020
Super smooth transaction! Everybody was helpful all along the way!
Connie L. | Dec 2020
Was a smooth guided process.
Michael F. | Jan 2021
excellent customer service
William V. | Aug 2020
We turned to Guaranteed Rate because of Mary Jo Panye
Henry B. | Sep 2020
Easy to work with. Knowledgeable & efficient.
Richard B. | Nov 2020
Excellent communication and service
James C. | Dec 2020
Mary Jo was wonderful to work with; very knowledgeable and attention to detail.
R F. | Jan 2021
Krissy Olivas and Mary Jo Payne delivered impeccable service!
Bertha B. | Jul 2020
Second time I’ve used Mary Jo Payne and GR; such an easy process.
Sean R. | Jul 2020
Mary Jo was awesome as well as all others involved! Easy and well organized!
Edward T. | Jul 2020
Your agent, Mary Jo Payne. I trust her.
Zina V. | Jun 2020
Mary Jo was wonderful to work with and made the process effortless!
Kenneth S. | Jun 2020
I have never had such a pleasant experience obtaining a loan. The people and the platform are excellent. I love being able to do everything electronically. I can't say enough about Mary Jo and the Guaranteed Rate team. It was a delight working with you.
Patrick K. | Jun 2020
Great customer service. Great rates. Streamlined process.
John A. | May 2020
Mary Jo Payne did a great job!
William V. | May 2020
Only because of Mary Jo Payne. She is incredible to work with.
Crisanto C. | May 2020
Product and service was amazing!
Mark P. | Apr 2020
For nice n friendly service
Rup K. | May 2020
Because Mary Jo Payne is the greatest loan officer ever!
Rhonda R. | May 2020
Easy to deal with and very responsive.
Jason F. | Apr 2020
Mary Jo Payne is amazing to work with. She is full of knowledge as well as her customer service is outstanding!!
Deborah C. | Mar 2020
Great communication and follow thru
Melissa K. | Mar 2020
Working with Maryjoe was wonderfully efficient.
Philip F. | Mar 2020
Very helpful and informative.
James W. | Mar 2020
Mary Jo was always available, always super responsive and just all around very helpful!
Todd S. | Feb 2020
Excellent service and mary was great
George A. | Feb 2020
Our experience was great. Our agent, Mary Jo Payne was very thorough and patient since the process took longer than we anticipated. She went beyond our expectations,
John R. | Jan 2020
Mary Jo. She's absolutely a boss!
Elizabeth S. | Dec 2019
Excellent service start to finish.
Gary L. | Oct 2019
Very responsive to our requests for information, and straight forward communication throughout the process.
David M. | Oct 2019
Simply an amazing job. We worked with another individual prior to Guaranteed Rate and it was just awful and border line unethical. Guaranteed Rate was opposite and a joy to work with.
Gerad B. | Nov 2019
I have worked with Mary Jo Payne on three loans now, and I will definitely work with her going forward.
Judy F. Aug 2019
Everything went smoothly! Mary Jo Payne is awesome, she handled everything very quickly!
Alan M. | April 2019
Second time using Guaranteed Rate. My experience with the loan officer has been outstanding!
Thomas C. | May 2019
Mary Jo is amazing. I have been through this process with her three times now and she is always kind, extremely efficient and thorough. I always feel she has my best interest at heart. She is like family now!
Lindsey V. | April 2019
Mary Jo and her team were fantastic to work with! They provided everything we needed quickly and answered all of our questions in great detail. We felt very confident in buying a home with Mary Jo as our guide. Thank you for everything you did for us Mary Jo! We couldn’t have done it without you!
Adam C. | March 2019
Mary Jo Payne was great to work with. She explained every step of the whole process to me. She is friendly and extremely helpful. Mary Jo knows her business and dealing with her made everything easier for me to purchase my new home. Thank you so much.
Ronda. B | March 2019
We love Mary Jo Payne! She is so astute, professional, and efficient. We always have confidence when she is handling our finances. She works hard and is always on top of everything. For this reason, we are always return customers. In addition, we always recommend our friends to her.
Jose M. | February 2019
Mary Jo Payne is the best person to work with! We have used her several times and I would never consider using anyone else. The whole loan process was very easy and we closed in no time. Mary Jo was very helpful and very responsive thought our loan process. Many thanks to Mary Jo and Guaranteed Rate.
Clifford R. | March 2019
Mary Jo Payne is an exceptionally sharp and talented lending officer, and I trust her implicitly. She did an incredible job and I would certainly use her for future borrowing needs. I wouldn't even compare rates - I would go straight to her.
Ronald M. | February 2019
I am very satisfied with the service I received from your company. Mary Jo Payne did every thing she could to move the paperwork through as quickly as possible. She was always ready to talk to me about questions I had about the business we had to do. I would always recommend your company if anyone asked.
Dolores K. | January 2019
Mary Jo and her team were wonderful to work with. I've been involved in many real estate transactions as a realtor, but this was the smoothest regarding the loan. They were incredibly efficient and responsive, and I will definitely recommend Guaranteed Rate. Thanks!
Mark D., October 2018
This was my first experience with a jumbo refinance. Everything went very smoothly. Mary Jo was absolutely dedicated and approachable. The service and results were outstanding, and I would absolutely work with Mary Jo or Guaranteed Rate again! Thank you!
Steven K., September 2018
My Loan agent, Mary Jo Payne, was EXCELLENT! From a previous approval on a house offer, and loan application acceptance, I was able to obtain an actual loan in very short notice to be able to close in less than 22 days! I was able to work through all the phone calls, paper-work and legal transactions remotely (mostly while driving or working in the field,) and NEVER having to step into an actual office! Somewhat unheard of - in fact, the only time I needed to walk into the office was at the actual close of escrow at the title office - where I got to greet and shake Mary Jo's hand in person. It was an absolutely an amazing and trouble-free transaction!
Philip F. | September 2018
Mary Jo Payne went above and beyond to get my loan for me. I would recommend her to anyone that will listen.
Tina M. | July 2018
Everything was done efficiently online which saved lots of time
Olga S. - July | 2018
Mary Jo was such a pleasure to work with! She was very knowledgeable and quite personable as well! We appreciate all the help in understanding the loan process and she was always willing to take time to explain things in more detail. We will definitely use her again, if there is another opportunity to do so!
James K. - June | 2018
MaryJo Payne was wonderful to work with. I had a somewhat difficult seller and she smoothed the way for me (and patiently listened to a melt-down I had over the stress caused by the seller). MaryJo was fantastic!
Debra J. | June 2018
Mary Jo was amazing and was able to close a week ahead of schedule. She kept us informed along the way and was always available to answer all of our questions
Nicole F. | May 2018
It was a tricky loan due to the flood insurance and Mary Jo went above and beyond to help us out. She was on top of things and extremely responsive. I would recommend her without hesitation.
Erin A. - Soda Springs, CA | MAR 2017
Mary Jo Payne was able to successfully complete the VA loan process for the purchase of our new home in Antelope, CA when Bank of America could not. It did require extra efforts by Mary Jo and her associates but they were happy to help. I appreciate all she and the group at the Guaranteed Rate office in Auburn, CA did. Thank you, Mary Jo.
David B. - Antelope, CA | MAR 2017
MJ always does the best job! Krissy also was so fast with getting my CTC very early in the process and docs out. These 2 are the best! Thanks for the smooth closing. :)
Karen A. - Reno, NV | MAY 2017
Love working with Mary Jo Payne!! We have done a few loans with her and sent her referrals. She is a class act and very professional. She is the only one we would ever trust with our loans.
Thomas C. - Auburn, CA | JUN 2017
Mary Jo was absolutely amazing to work with. She was very thorough and made the processing seem seamless. I would recommend her services to anyone and I already have!
Eric B. - Colfax, CA | JUN 2017
Very informative and willing to work for you. Signing was pleasant, fast and informative.
Ryan B. - Foresthill, CA | JUN 2017
Mary Joe Payne is a real professional, and goes the extra mile. She made what would be a very difficult process relatively easy and we appreciated it!
Michael R. - Newcastle, CA | JUL 2016
Mary Jo Payne is a tremendous person and loan officer. I believe we were very important to her.
Henry B. -Newcastle, CA | JUL 2016
Mary Jo Payne was very professional, efficient and also kept a very friendly attitude despite the stress I may have exhibited!! I appreciate her tolerance of me haha!! She was and is awesome!!
Dawnene A. - Meadow Vista, CA | SEP 2017
My loan experience was exceptional. Mary Jo Payne is an amazing professional with a friendly, personal touch! Guaranteed Rate shines through for me again!
Kyrsten S.-Rocklin, CA| MAY 2016
From start to finish, our loan officer Mary Jo Payne made this process easier for us. Mary Jo is wonderful to work with, very knowledgeable and helpful. Her team also was extremely helpful and detail-oriented. They helped keep our loan on track and we closed in a shorter timeframe than expected. Thanks again to Mary Jo and her team for excellent service~!
Daniel T - Auburn, CA | Feb. 2016
We cannot say enough positive things about our loan officer, Mary Jo Payne. She was/is always very pleasant and patient with us. She made sure we understood what was needed and why so there were no problems with the processing of our home loan. We were appreciative of her knowledge, expertise and thoroughness from the onset of our loan application to the closing of escrow. We will not hesitate to recommend her or Guaranteed Rate to friends and family. Thank You Mary Jo!
Michael M. - Modesto, CA | Jan. 2016
Mary Jo Payne did an excellent job in making this loan as painless possible especially with all the red tape.
JAMES C. - Granite Bay, CA | Dec. 2015
Mary Jo Payne was very helpful and informative, she worked well with the Realtor, and escrow officer, and we were able to close a VA loan purchase transaction in less than 30-days.
Kenneth S. – Auburn ,CA | June 2015
" Mary Jo Payne was very helpful in assisting us. We enjoyed her friendly personality and look forward to referring her to others in the future. "
Tracy G.– EL CERRITO, CA | June 2015
Mary Jo Payne is very professional and friendly!
Rodney K. -- 8/25/2014
Mary Jo is extremely professional! Her experience and knowledge in the field made both the application and approval processes pleasant experiences!
Linda Z. -- Grass Valley, CA 7/18/2014
Mary Jo made the entire experience very easy and continued to keep us informed. She made us feel like we were important and that she had our best interest at heart. We will refer her to anyone that is looking for a mortgage lender!
Philip K. -- Rocklin, CA 6/19/2014
Mary Jo was very professional and so very courteous. She was always extremely responsive to all our questions. She made the whole process go very smoothly. I'm very satisfied with the service level and professionalism.
Tina E. - Sunnyvale, CA 5/21/2014
“Mary Jo Payne is the missing link in mortgage brokering. Her professional attitude, quick response and smile made this as painless as possible. She was there during every step and didn't miss a beat. People are what make business work, and she is what made my experience with this company five stars. Thanks Mary Jo!”
Kenny C. – Cool, CA -- 4/2014
"Mary Jo was great to work with. She always had the answers we were looking for, quickly locked us in when we were ready and made us feel that she was working "for us."
Daniel R.-- Santa Rosa, CA. -- 5/ 2013
“Thank you, Mary Jo Payne, for all of your help and patience. This purchase was a challenge to say the least. With your help we made it happen! Thanks again.”
Bonnie N. – Lincoln, CA – 7/2013
Hey check out the amazing review from Mary about Mary Jo! “We were very satisfied with our service! Mary Jo Payne is very professional and kept us informed throughout the process. She came highly recommended and I can see why! We will also recommend Mary for her outstanding services!”
Mary S. -- Grass Valley, CA -- 02/2013
Hey check out how amazed Leslie was with Mary services! “My experience truly defined a one stop shop for new mortgages or refinancing. Mary was very professional and made my process feel so easy. My experience could not have been any better!" https://biz.yelp.com/r2r/YrInsQTJoxMf91NyTHP2bg/
Leslie F. -- Hidden Hill, CA -- 12/2012
Mary Jo is the best mortgage broker I have ever met. We have bought and sold houses since 1994. Her hard work and dedication is second to none. I heard about her from our real estate broker. I have already referred her to my friends. Will use her and your company again.
Hardy B.- Trucklee, CA 6/2012
Outstanding communication, thoroughness, ease of providing documents, and knowledge.
Patrick K. - Citrus Heights, CA | May 2022
Helpful in getting out rates low, and our monthly expenses low as well. Very kind employees.
Caitlyn T. - Auburn, CA | Aug 2023
The entire process was fast & smooth. My loan agent, Mary Jo Payne, was wonderful. She kept me informed of everything that was happening & assisted me with anything that I needed. She was awesome!
Megan D. - Colfax, CA 9/2011
This is the 4th time we have worked with Mary Jo and we wouldnt work with anyone else. Always on top and ahead to keep us on track
Michael M. - Auburn, CA | May 2022
The team was great to work with
Adam C. - Placentia, CA | Jun 2022
Mary Jo demonstrated excellent professional skills. From the initial application to closing, she was on top of all the requirements and she reminded me when I needed reminding to fill out a document, sign a document and ultimately make a recommendation which this inexperienced home buyer appreciated.
Laurie P. - Auburn, CA | Oct 2022
Second time working with Mary Jo and guaranteed rate and was as easy as last time. Really felt like I had someone in my corner and that they were looking out for us throughout our home buying process.
Benjamin H. - Lewisville, TX | Dec 2022
Mary Jo Payne was a pleasure to work with, answered all questions, and went above and beyond to help us!
Tad B. - Rancho Cordova, CA | May 2023
Mary Jo was wonderful! I would recommend her to everyone I ever meet
James D. - Loomis, CA | Aug 2023
Excellent and efficient service
Nathalie V. - Auburn, CA | Oct 2023