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Brad PayneBrad Payne and family
About Brad Payne

Originally from Atlanta.
Forever Lowcountry.

My passion for helping borrowers has been shaped over a long career across many industries. I have a finance degree from UGA (Go Dawgs!) and an MBA in finance from Northwestern University.

But it wasn't until my wife and I went through IVF while trying to purchase a home that I found my true calling. A low-down-payment FHA loan allowed us to continue our IVF journey and buy a home we love — and now we have a beautiful daughter and son. That experience is where my real passion for mortgages was born.

The Lowcountry is more than my market — it's my home. Whether it's a condo on Hilton Head, a new build in Hardeeville, or a waterfront property in Beaufort, I know the nuances, and I will leave no stone unturned to get your loan approved.

NMLS #2366717
UGA Finance
Northwestern MBA
Licensed in SC, GA & VA

What Brad Believes

The Values That Guide
Every Transaction

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Hyper-Local Knowledge

From Daufuskie Island financing to Hardeeville USDA eligibility — Brad knows every nuance.

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Radical Transparency

No hidden fees. No surprises at the closing table. Brad walks you through every number before you sign.

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Hard Cases Welcome

Self-employed, past credit challenges, complex income — Brad says yes when banks say no.

Fast & Reliable

21-day average close. Brad picks up the phone and keeps you informed every step of the way.

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Client-First Advice

Brad works for you — not a bank. Shopping 150+ lenders means your best interest is the only interest.

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Genuine Care

Having gone through IVF while buying a home, Brad understands the weight of these decisions.

Brad Payne family

A Lowcountry Family

Why Brad Loves
What He Does

When Brad and his wife were going through IVF, they were simultaneously trying to buy a home in the Lowcountry. An FHA loan made it possible to do both. Today, they have a beautiful daughter and son, and a home they love.

"That experience gave me everything," Brad says. "I felt what it means to have a loan officer who finds a way. Now I'm that loan officer for hundreds of other families."

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Let's Connect

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with Brad?

No pressure. Just an honest conversation about your goals and the best path to get you there.

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