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Proudly serving clients across Tennessee, California and Virginia.
I understand that buying or refinancing a home is one of the most significant financial decisions my clients will make. That's why I'm committed to giving my team the knowledge, resources, and support they need to guide borrowers through the mortgage process with confidence and attention to every detail.
With extensive experience across all facets of mortgage lending, I can help my team navigate everything from first-time home purchases to refinancing and complex financing needs. My expertise includes Conventional, Jumbo, FHA, VA, USDA, and Renovation loans.
I stay current on financial and housing-market trends, mortgage guidelines, and state and federal regulations so I can serve as a trusted resource for my team and our clients. My goal is to ensure our clients receive more than just a loan—they receive informed guidance and the most competitive financing solution for their unique needs.
Rating: 5.0 out of 5.0 from Encompass Payton is great at communicating and keeping everyone track to close on time!! AJPigeon Forge, TN Aug 10
Payton is great at communicating and keeping everyone track to close on time!!
Rating: 5.0 out of 5.0 from Encompass Payton is highly knowledgeable and evidently very experienced with what he does. He was quick to reply to questions and always seemed to do a little extra. The scary home-buying experience was made a little less scary with Payton and his team. DarrellSevierville, TN Aug 09
Payton is highly knowledgeable and evidently very experienced with what he does. He was quick to reply to questions and always seemed to do a little extra. The scary home-buying experience was made a little less scary with Payton and his team.
Rating: 5.0 out of 5.0 from Encompass Payton is very efficient and made the transaction for my clients so effortlessly. RebekahSevierville, TN Aug 08
Payton is very efficient and made the transaction for my clients so effortlessly.
Rating: 5.0 out of 5.0 from Encompass Payton made it great. He is very kind, easy to communicate with, and very knowledgeable. Everything was seamless and simple from the application process to the closing table. JoyceSevierville, TN Aug 08
Payton made it great. He is very kind, easy to communicate with, and very knowledgeable. Everything was seamless and simple from the application process to the closing table.
Rating: 5.0 out of 5.0 from Encompass Payton got my buyers home closed in 25 days. The home that they were selling was scheduled to close on 7/30/26 and he made it happen! The sellers/buyers were elderly and did not know a lot about esigning, emailing etc. He helped them every step of the way. They were so appreciative. So thankful for Payton. SarahNew Tazewell, TN Jul 14
Payton got my buyers home closed in 25 days. The home that they were selling was scheduled to close on 7/30/26 and he made it happen! The sellers/buyers were elderly and did not know a lot about esigning, emailing etc. He helped them every step of the way. They were so appreciative. So thankful for Payton.
Rating: 5.0 out of 5.0 from Encompass Payton and his team were very informative and engaged from start to finish in the loan process. Kurt DouglasThorn Hill, TN Jul 03
Payton and his team were very informative and engaged from start to finish in the loan process.
Rating: 4.8 out of 5.0 from Encompass Great communication and easy proccess to upload documents, ask questions, etc SummerNew Market, TN May 25
Great communication and easy proccess to upload documents, ask questions, etc
Rating: 5.0 out of 5.0 from Encompass Payton was really good and helpful explaining the stuff that I didn't understand and helped me the whole way Edward LeeNew Market, TN May 22
Payton was really good and helpful explaining the stuff that I didn't understand and helped me the whole way
Rating: 5.0 out of 5.0 from Encompass Payron was always available to help with numbers. Also, he keep me informed to help get all his papers on time. JessNew Market, TN May 21
Payron was always available to help with numbers. Also, he keep me informed to help get all his papers on time.
Rating: 5.0 out of 5.0 from Encompass Very helpful team Ian BGreenbackville, VA May 21
Very helpful team
Rating: 5.0 out of 5.0 from Encompass Peyton and his team did a great job helping us get our new home! DarrenNewport, TN May 18
Peyton and his team did a great job helping us get our new home!
Rating: 5.0 out of 5.0 from Encompass Everything was so organized and went like clockwork. Communication was great and I was kept up-to-date on everything. Very smooth and pleasant experience. Kathy OgleSevierville, TN Apr 24
Everything was so organized and went like clockwork. Communication was great and I was kept up-to-date on everything. Very smooth and pleasant experience.
Rating: 5.0 out of 5.0 from Encompass Communication, problem solving, and even a space to vent when needed. PatrickSparta, TN Apr 23
Communication, problem solving, and even a space to vent when needed.
Rating: 5.0 out of 5.0 from Encompass Thank you for helping us get our first home! I would recommend giving them a chance. Have a blessed day. Jordan SethParrottsville, TN Apr 16
Thank you for helping us get our first home! I would recommend giving them a chance. Have a blessed day.
Rating: 4.5 out of 5.0 from Encompass Payton always answered the phone when we called him with our questions . That meant a lot to Us Since this is our first cabin purchase. Carla ASevierville, TN Mar 19
Payton always answered the phone when we called him with our questions . That meant a lot to Us Since this is our first cabin purchase.
Rating: 4.8 out of 5.0 from Encompass Payton was fantastic! He's a great communicator and very helpful. However, Wendy we found to be extremely rude and unpleasant to work with. Her conversations via email were condescending and made it appear the home was out of our reach. It seemed as if she was intentionally making it difficult for us ... EvelynKnoxville, TN Feb 25
Payton was fantastic! He's a great communicator and very helpful. However, Wendy we found to be extremely rude and unpleasant to work with. Her conversations via email were condescending and made it appear the home was out of our reach. It seemed as if she was intentionally making it difficult for us ...
Rating: 4.8 out of 5.0 from Encompass Payton was helpful through the whole process Eric G.Clinton, TN Feb 23
Payton was helpful through the whole process
Rating: 4.8 out of 5.0 from Encompass Payton was an incredible help in all aspects. EricClinton, TN Feb 09
Payton was an incredible help in all aspects.
Rating: 5.0 out of 5.0 from Encompass Payton did great fetting me the best rate, term, and loan. Always communicated with me. Wendy and team did a great job as well! TannorSevierville, TN Jan 02
Payton did great fetting me the best rate, term, and loan. Always communicated with me. Wendy and team did a great job as well!
Rating: 5.0 out of 5.0 from Encompass The constant communication with Payton and Wendy for myself and with my buyer. We knew where we were at every step of the way. I would highly recommend AnnieMac and Payton to all of my buyers. SarahDunlap, TN Dec 16
The constant communication with Payton and Wendy for myself and with my buyer. We knew where we were at every step of the way. I would highly recommend AnnieMac and Payton to all of my buyers.
Rating: 4.8 out of 5.0 from Encompass The team was always very friendly and helpful explaining anything I had questions with. Barbara MSevierville, TN Nov 14
The team was always very friendly and helpful explaining anything I had questions with.
Rating: 4.0 out of 5.0 from Encompass The way the team worked with me to get this process done for a first time home buyer For leading me through all the different steps it takes to get a new place to live. WilliamClinton, TN Oct 26
The way the team worked with me to get this process done for a first time home buyer For leading me through all the different steps it takes to get a new place to live.
Rating: 4.5 out of 5.0 from Encompass Everyone involved was very helpful and understanding, especially wondering it was our first time. Xavier JNewport, TN Oct 22
Everyone involved was very helpful and understanding, especially wondering it was our first time.
Rating: 5.0 out of 5.0 from Encompass Payton is extremely knowledgeable and professional. He was able to explain things to my client and to me, helping us understand what to expect. He also got us to the closing table with very little hassle. The listing agent on the sale was also very impressed with the Communication. I would definitely recommend Payton and his team to anyone looking ... AJSevierville, TN Oct 07
Payton is extremely knowledgeable and professional. He was able to explain things to my client and to me, helping us understand what to expect. He also got us to the closing table with very little hassle. The listing agent on the sale was also very impressed with the Communication. I would definitely recommend Payton and his team to anyone looking ...