I am a physician who became acquainted with Mr. Tom Payne through our real estate agent.  Mr. Payne was kind enough to provide us with several lending options, and we had confidence in the program selection we choose.  We have purchased homes in the past, but the rules have changed, and Mr. Payne was sensitive to the questions we posed, providing more than enough information so that we could make an educated decision.  We highly recommend him to all.

Dr. G.