Northern California

John Payne III

Mortgage Advisor NMLS-255692
John Payne III

About Me

John studied Finance at San Diego State University. His combined education and mortgage experience has made him well-known as a financial professional and educator in the Bay Area. He has provided loans for clients with the full spectrum of financing needs. John began in the mortgage business by doing FHA Reverse Mortgage loans and now offers essentially every mortgage product there is. Thorough attention to detail, coupled with the ability to ascertain the client’s true needs, John produces results in financing with the perfect fit, every time. Whether it’s a simple refinance, a complex purchase transaction, or a unique credit or documentation challenge, you can count on the deep expertise, commitment, and integrity that John brings to your unique home financing needs.   As a result, virtually all of his business comes from repeat clients and real estate agents.

In addition to educating you about your mortgage options, John will seamlessly communicate with you and keep borrowers, real estate agents and escrow officers fully apprised of the progress and timelines throughout the process. When signing your loan documents, John will be beside you reviewing every detail to ensure accuracy. You will enjoy annual reviews, which include college/retirement planning and equity/debt management. Furthermore, John will enhance these processes by taking a team approach – he will initiate a roundtable with your CPA, financial advisor and estate attorney to discuss the best long and short-term strategies to ensure your goals are met and that you feel comfortable with the decisions and projected outcomes. These are just some of the quality services and care you can expect and appreciate when you put your trust in John. Call him today so you, too, can experience the reason why people keep sending the people they care most about to John.

Why Finance of America Mortgage?

We’re not about pushing loan papers. We’re about moving your dream forward. And we do that through knowledgeable local advisors, a personal approach, and a variety of smart loan options.

Learn More About Why Finance of America Mortgage?

$50B+

Consumer Loans Funded

400+

Local Advisor Branches

Frequently Asked Questions

How many properties should I look at?

The total number of properties you may look at will depend on several factors, such as your budget and the housing availability in your area. In general, real estate agents recommend that homebuyers look at several properties before making a decision, but there is not an exact number. Most people look at 10 homes, at a minimum, so they can compare them. However, you may find the dream house with more or fewer searches.

What is the best way to search for homes?

When it comes to the best home buying tips, there are different ways to search for properties. Statistics from the National Association of REALTORS® reveal that 51 percent of buyers searched and found their homes on the internet, while 30 percent used real estate agents. Other ways to search for homes include asking friends, relatives, neighbors and homebuilders for help. A small percentage of homebuyers used newspaper advertisements and yard or open house signs to search for homes.

Should I get pre-approval before making an offer?

Although a pre-approval is not one of the required steps to buying a house, it can certainly help you stand out in a competitive market with many buyers. A pre-approval can show sellers that you’re serious and capable of getting a mortgage, so they may be more likely to accept your offer.

Branch Location Map

My Office

Danville, CA
588 San Ramon Valley Blvd, Suite 100
Danville, CA 94526
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