Kim Payne is one of those rare finds in our industry that combines uncompromising integrity, unparalleled expertise in the field and a friendly straightforwardness that is perhaps best evidenced by the overwhelming number of client referrals that Folsom Mortgage thrives upon.
Larry Shawl
Secondary Marketing/AVP
As a notary loan signing agent for many years, I work for various title and escrow companies in Sacramento, Placer and El Dorado counties, as well as signing services throughout California. I close loans with borrowers from all walks of life with various loan needs, and I have occasion to interact with their loan officers.
For me to perform a loan closing with clients of Kim Payne from Folsom Mortgage is a pleasure, not a job! To start, I consistently find that Kim's borrowers received the required pre-disclosures -- not always the case in today's market. Kim's breadth of experience enables her to evaluate clients' needs quickly. Borrowers find her "can do" approach refreshing. The depth of Kim's knowledge of the various loan programs in existence allows her to place borrowers with the best loan product, given their particular circumstances. Some are easy, some less so. I have referred some tough ones to Folsom Mortgage, knowing they are in good hands and will get the best loan possible.
At the closing table there are no surprises! There is no last minute "gouging" of fees, as I find happens sometimes, with loans now originating everywhere. There are no hidden surprises! I find that loan costs and fees have been fully disclosed and explained to borrowers by Kim. They know what loan product to expect. A common thread in my conversations with Kim's clients is their appreciation for her general positivity throughout the process, and her immediate response to their questions and needs. Consistently, Kim's borrowers also express their relief in dealing with a local company, such as Folsom Mortgage.
I personally trust Folsom Mortgage and Kim Payne. Why else would I refer family members?
Liz Iseley
Independent Notary Services
To Whom it May Concern:
I have had the pleasure of working with Kim Payne for several years now, and I am continually impressed with the care and commitment she conveys to each and every borrower. I work with hundreds of loan brokers and I can tell you that Kim Payne is at the top of her game.
You, the borrower, will never get a surprise while signing your docs. How many horror stories have you heard from friends, who waited weeks and weeks to sign their docs, and they see they now have surprises, such as a prepayment penalty? Surprises like this will not happen with Kim! She takes great pride in ensuring you get the loan that is best for you, not best for her.
Kim enjoys counseling her borrowers and I know you can call her with any questions you have, and she will make certain that you completely understand the answers.
She makes it her personal mission to find a loan scenario to fit each and every borrower, and she will continue to look until she finds the loan you need.
Sincerely,
Julie Ahern
Account Executive for a Nationwide Wholesale Lender
Dear Kim:
For the first time in my life I was able to get financing for my home and it was PAINLESS! With just one phone call to you, the entire process was handled professionally, cheerfully and with a great rate! I will not hesitate to recommend Folsom Mortgage as the premiere lending broker in the Sacramento Region. Thank you again for your prompt professional handling of my financial transactions. It was a job well done.
Kenneth P. Klaus
Senior Engineer
To Whom it May Concern:
For the last year, I have had the pleasure of working with Kim Payne. We at this local Credit Union refer all of our mortgages that we are not able to approve for various reasons.
Kim has been wonderful in assisting our members. She is very thorough and detail oriented. She truly takes the time to listen to my members and will find the best product for their needs. She is also very honest and will tell someone if it is not in his or her best interest to refinance or purchase at the time. On several occasions, Kim has spent hours going over a credit report with a member, giving them advice on how to improve it and advising them to refinance at a later date.
Kim is one of the most knowledgeable persons in her field and has relationships with nearly every lender in the industry. I feel very confident telling my members that she can find a program that will work for them.
Honesty and trust are an essential factor for our members. They want to feel that they can trust the person that I am referring them to. They also want to make sure that they are getting a fair deal. Kim never overcharges and is very up front and honest with the closing costs. She never leaves anything out or has "hidden charges". I have countless members tell me that they are so impressed with her honesty. They knew exactly what to expect when they went to closing, and there were no surprises.
In closing, Kim's hard work and dedication have made her irreplaceable asset to our Credit Union.
Sincerely,
Jessica Parsley
Mortgage Representative
A Large Local Credit Union
Dear Kim:
I wanted to take the opportunity to thank you for all of your help in securing the financing for our swimming pool. The process was painless and you were available to talk to day and night with any questions I had. I would wholeheartedly recommend Folsom Mortgage to anyone with mortgage brokerage needs.
Thanks again,
Chris Hodge
Vice-President
Client Services Management
Dear Kim:
To find the best rate you can call lenders, ask friends, search on-line or watch local papers for advertisements. Thank you Kim for saving us that chore. One day approval, no subject to's and the papers signed in our Kitchen. Now that's service. We are happy campers!!
I'm telling my friends and they can hardly believe it! Oh well, their loss!!
Thank you so much,
Bob & Karen Kowalski
I'd like to offer my personal recommendation for Kim Payne, who recently helped me with refinancing my home. Her expertise as a mortgage specialist ensured the entire process went as smooth as possible. Her greatest asset, however, is her commitment to customer service. Kim makes sure every detail is covered, and offers her service in a friendly, professional manner that allowed me to feel comfortable knowing that I didn't have to worry. Kim is extremely easy and enjoyable to work with, and I know that any customer of hers will receive the best service combined with the best loan. A Perfect combination!
David Powaser
Senior Manufacturing Engineer
I have gone through the process of financing a mortgage four times now. I've used mortgage brokers and I have worked directly with the mortgage company. I've never had an easier or stress-free time as when I used Kim Payne at Folsom Mortgage.
Kim was able to get me a great deal and she helped me clean-up and to establish my own credit. There were many loose ends in my financial package. Kim explained my credit report, what impact it had on my credit rating, and discussed with me how to improve my credit rating.
Working with lenders in the past has been a humbling experience. Working with Kim was a pleasure. I'll keep coming back!
Sincerely,
Mary Lou
Sales Representative
