Why choose us for your mortgage needs

Finding the perfect home is exciting—securing the right mortgage shouldn’t be overwhelming. Whether you’re buying your first home, upgrading, or refinancing, we offer customized solutions to fit your needs.

Mortgage Broker vs. Big Bank

See why working with a local mortgage broker gives you the advantage over going directly to a big bank.

Mortgage Broker

Access to 50+ lenders for the best rates

Personalized, one-on-one guidance

We shop for you — saving you time and money

Flexible loan options for every situation

Local expertise in the Upstate SC market

We work for YOU, not the bank

Big Bank

Limited to their own loan products

Passed around between departments

One-size-fits-all approach

Rigid qualification requirements

Generic, corporate experience

They work for shareholders

Get started today, our pre-approval made easy

Explore competitive rates, flexible terms, and personalized solutions designed to fit your financial goals.

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Trusted results, success for your mortgage

Discover why thousands choose us for their mortgage needs. Our experience, speed, and dedication make homeownership easier than ever.

Samantha Payne

Broker | Owner

Jason Payne

Broker | Owner

Expert guidance

OpenKey Mortgage Advisors LLC | NMLS Company ID: 2812158 | Samantha Payne, NMLS #2743877 | Jason Payne, NMLS #2805073 | Licensed in South Carolina and North Carolina | Equal Housing Opportunity