Mortgage Broker Serving Greenville, Spartanburg & Greer, SC

No commitment. No credit pull.
Just real answers about what's possible for you.

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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.

DSCR & Investor Loans

DSCR investor loans qualify you on the property's rental income — not your personal tax returns. Up to $2M, LLC-friendly, Airbnb income counts.

First Lien HELOC

One loan that combines your mortgage, a HELOC, and a checking account that automatically pays down your balance every day — potentially saving years of mortgage interest.

Two-Property Mortgage

Buy your next home using equity from the one you already own — no contingency offer, no bridge loan, and up to 100% financing of the new home.

Greer, SC Mortgages

Greer SC mortgage broker — OpenKey's HQ city. Conventional, FHA, jumbo, self-employed, and DSCR loans for BMW Manufacturing employees, GSP Airport relocations, and Pelham corridor buyers in Greenville and Spartanburg counties.

Spartanburg, SC Mortgages

Spartanburg SC mortgage broker serving Boiling Springs, Inman, Lyman, Duncan, Wellford, and Westside Spartanburg. FHA, VA, USDA, conventional, and DSCR specialists for BMW employees and Tier-1 supplier corridor buyers.

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.

Jason Payne

Broker | Owner

Samantha Payne

Broker | Owner

Expert guidance

July 10, 2026

How to Get Pre-Approved for a Mortgage in South Carolina and North Carolina

Learn how to get pre-approved for a mortgage in South Carolina and North Carolina. Simple steps, documents, and timeline from a local broker.

May 26, 2026

Lower Your First-Year Mortgage Payment at No Cost: The Free 1-0 Buydown Through June 30, 2026

For a limited time, buyers can get a full one percent lower interest rate for the first year of their mortgage at no cost. Here's how the 1-0 buydown works and how to lock it in before June 30.