Mary Jo Payne

They were completely great with doing my loan, and Mary Jo was the best, if I got confused she clearly explained everything to me.

Like mary jo, always done great

I gave this rating because overall my loan was successfully completed, even though the process was longer and more complex than expected due to working with multiple programs. Mary Jo Payne was able to get everything to the finish line, and I appreciated her role in helping me secure my home. There were some challenges along the way, but in the end everything worked out.

Long history of use

Joan is extraordinarily good at managing the process. This is our 2nd time working with her and she will certainly get any future business with us.

Feb 21, 2026

Mary Jo is so knowledgeable. She helped us to lock in an awesome rate and worked quickly to help finance our remodel. She was proactive in getting our loan closed. We have worked with her for purchasing our home and our construction loan as well.

Mary Jo is the best to work with! Everything went smoothly, and all questions were answered.

excellent service

Mary Jo and the team is sole reason.

Oct 6, 2025

Mary Jo and the team made this a wonderful experience! Not only did they come in last minute, but they closed our loan in less than two weeks. They are amazing. They were very clear through the entire process. It was a great experience overall. 10-10.

Aug 30, 2025

Mary Jo has been our go to person with our loan needs for the past 20 years or so. She is a great communicator, very detailed oriented, and very patience when it comes to uploading documents. She makes the loan process as stress free as possible!

Excellent service from Mary Jo

Jul 25, 2025

Mary Jo was excellent and answered all my questions as a first-time home buyer. She walked me through the process and discussed all the options available.

Easy Process

Mary Jo the Loan officer was terrific

Very good response time and accurate information was provided.

Great customer service. The team stayed on top of every task necessary and kept me informed

The loan officer and the supporting staff were amazing. The underwriter was tough to deal with but my loan officer kept things moving forward.

Mar 19, 2025

Mary Jo Payne and the Rate folks were cooperative and thorough, and made the process flow smoothly.

Mary Jo Payne and the entire team were efficient, professional, and always available to answer any and all questions. We were very pleased with the entire home buying process.

Jen Beeston and her team went above and beyond for me and my wife.

They have been working with my family for decades

This is the second time I have used Rate. Both time have been great. From my wonderful agent, (who took my calls regardless of the time of day), to the wonderful app. Thank you Randy Nathan!

Patrick Perry’s communication was outstanding. Very knowledgeable, patient and explained what was needed to obtain our loan clearly. Uploading documents to complete tasks was easy and there were frequent updates throughout the process. Overall had a painless experience.

Consistent good service and good people

Helpful in getting out rates low, and our monthly expenses low as well. Very kind employees.

Mary Jo was wonderful! I would recommend her to everyone I ever meet

Because they deserve it

Excellent and efficient service

Mary Jo Payne was a pleasure to work with, answered all questions, and went above and beyond to help us!