Ready to buy your dream home? Start your purchase journey today with competitive rates and expert guidance.
Lower your monthly payments or access your home equity with our refinancing options.
Access calculators, guides, and tools to help you make informed mortgage decisions.
Learn more about our company, explore career opportunities, and discover our impact on the mortgage industry.
Proudly serving clients across Tennessee, California and Virginia.
I know that buying or refinancing a home is one of the biggest financial decisions that my clients will ever make. That's why I work hard to ensure my team has the resources and know-how to ease borrowers through the loan process, with no detail overlooked.
I have an extensive background in all facets of mortgage lending, so I can advise my team members in any situation, from a first-time home purchase to a refinancing. My expertise includes Conventional, Jumbo, FHA, VA, USDA, and Renovation loans.
I also make a point of keeping up with the latest financial and industry trends, as well as state and federal regulatory requirements, so I can serve as an informed advocate for my team and our clients. I make sure my team will not only get clients a loan, but the most competitive loan for them.
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 A Sevierville, TN March 19 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.
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 ... Evelyn Knoxville, TN February 25 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 ...
Payton was helpful through the whole process Eric G. Clinton, TN February 23 Rating: 4.8 out of 5.0 from Encompass
Payton was helpful through the whole process
Payton was an incredible help in all aspects. Eric Clinton, TN February 09 Rating: 4.8 out of 5.0 from Encompass
Payton was an incredible help in all aspects.
Payton did great fetting me the best rate, term, and loan. Always communicated with me. Wendy and team did a great job as well! Tannor Sevierville, TN January 02 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!
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. Sarah Dunlap, TN December 16 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.
On 04/30/2026 at 2:30 pm
Join us for Our Billion Dollar Playbook, a live mastermind designed to help real estate agents win more deals in today’s competitive market. Hear from Wes Costello of AnnieMac Home Mortgage as he breaks down the Cash2Keys suite of products and how to position your buyers like cash. Learn how Cash2Keys can level up your business.
10 Plays to Buy & Sell In a Competitive Market
5 Plays to Re-Engage Your Database & Stand Out