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Mary Jo Payne

Vice President of Mortgage Lending
1230 High St. Suite 118A, Auburn, CA 95603
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NMLS: 295885
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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

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!"

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

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

About Mary Jo

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.

Mary Jo interview Q&A

Who is your typical customer and what questions do they typically have?
I cannot say I have a typical customer as I work with clients who are first time home buyers to seasoned clients purchasing million dollar homes. What type of service, education and communication are the main questions I receive from my customers. In addition, I handle reverse mortgages, and ensure that this product is right for them at this stage of their life.
Tell us about a specific challenging borrowing situation and how you got the mortgage closed and funded.
One of my clients who owned several corporations was purchasing a new primary residence. In addition, most of their assets were tied to their business and they needed additional reserves for their loan. We identified they had cash value in their life insurance account which we were able to use for their reserves. This loan closed in 22 days as another lender was not able to complete this loan. The client switched over to Guaranteed Rate and we were able to close their loan.
What resources could you recommend that borrowers use to learn more about the mortgage process and how to ensure a successful home closing?
Guaranteed Rate offers several brochures with homebuyer educational materials, which can be found on my website. In addition, there are first time home buyer courses that the borrower can attend, both online and in person, to help them prepare for home ownership.
Are you active in any local associations or community groups, and at what level? What goals and/or success have you helped these groups achieve?
Currently, I have been a member of the Downtown Auburn Rotary since 2010. During this time, I have chaired the annual BBQ, which raises money (over $40,000) for local scholarships for graduating high school seniors, supports local charities and on an international scale, the organization is close to eradicating POLIO. Our club's website is:
Tell us something that makes you unique or something wacky, yet interesting about you?
As I always consider each loan as my own, I always want to make sure that my customer receives prompt replies to their questions. I have been known to respond to their questions at all hours of the day. This includes at 2 am in the morning!

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