I have been in the mortgage industry since 1983. Originally, I began in the industry working as a loan packager for USDA. As prices rose, this program slowed to a crawl. I transitioned into the "real" world of the mortgage industry in the 90s as a construction loan processor for a local broker. Transferring over to the local bank we worked with, I began working as a junior underwriter/ processor with their correspondent division. Once I became a loan officer, I realized how I could make a difference in peoples lives. Not only giving them loan advice with the different programs offered but preparing my customers to be homeowners. I always want clients to know that I handle their loan as if it were my own.
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"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
"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 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
"The team was great to work with"
Adam C. - Placentia CA | Jun 2022
"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"