Auburn's Trusted Mortgage Expert

Your home loan story deserves more than a form letter.

For over 15 years, I've helped Auburn families and investors turn the uncertainty of mortgage lending into clarity, confidence, and closed deals. No scripts. No pressure. Just straightforward guidance from a local expert who knows your market.

Schedule a Consultation Explore Loan Options
15+ Years Experience
500+ Families Helped
A+ Client Satisfaction
Beautiful home in Auburn, California
Happy family in their new home Closing day handshake
Loan Programs

Mortgage solutions tailored to your situation

Whether you're a first-time buyer, upgrading your home, or investing in property, I'll find the loan program that fits your financial picture.

First-Time Home Buyers

Navigate your first purchase with confidence. From FHA loans to down payment assistance programs, I'll guide you every step of the way.

Rate Refinances

Lower your monthly payment, shorten your term, or cash out equity. I'll analyze your situation to determine if refinancing makes sense for you.

Jumbo Loans

Premium properties require premium service. I specialize in conforming and jumbo loans for luxury homes throughout the Auburn area.

Investment Properties

Build your portfolio with strategic financing. I work with investors on rental properties, fix-and-flip loans, and multi-family financing.

VA & USDA Loans

Serving those who served. I'm experienced with VA loans for veterans and USDA loans for rural property buyers in eligible areas.

Construction Loans

Building your dream home? I'll help you secure construction-to-permanent financing with competitive terms and streamlined closings.

Mary Payne - Mortgage Professional in Auburn, CA
About Mary

A local lender who actually cares about your outcome

I've been helping families and investors in the Auburn area with their mortgage needs for over 15 years. What started as a career became a calling when I realized how much stress the home buying process can cause—and how much I enjoy turning that stress into smooth, confident transactions.

At Guaranteed Rate, I have access to some of the most competitive rates and programs in the industry. But more importantly, I bring personalized attention to every file. I'm not handing you off to a call center. When you call me, I answer. When you have questions, I respond. That's the Auburn standard I hold myself to.

Local Market Expert

Deep knowledge of Auburn's real estate market

Direct Communication

You work with me, not a team of strangers

Competitive Rates

Guaranteed Rate's buying power benefits you

Fast Closings

Efficient processing gets you to closing day quicker

How It Works

From pre-approval to closing, I'm with you

The mortgage process doesn't have to be confusing. Here's how we'll work together to get you to the finish line.

01

Consultation

We'll discuss your goals, review your financial situation, and determine which loan programs fit your needs best. No obligation, just honest advice.

02

Pre-Approval

I'll pull your credit, gather documentation, and get you a solid pre-approval letter so sellers and agents know you're serious.

03

Processing

Once you have a purchase contract, I'll guide you through underwriting, appraisals, and any conditions that need to be satisfied.

04

Closing

We'll review your closing disclosure, schedule your signing, and get you the keys to your new home. Welcome home!

Client Stories

Hear from families I've helped

"Mary made what we thought would be a stressful experience feel completely manageable. She answered our endless questions and got us a rate we didn't think was possible. We closed in 28 days!"

JR

Jason & Rachel

First-Time Buyers, Auburn

"As a veteran, I needed someone who understood VA loans. Mary walked me through every option and helped me cash out equity to renovate my kitchen. She's the real deal."

DM

David M.

VA Refinance, Rocklin

"We've worked with Mary on three investment properties now. She's efficient, communicative, and always finds creative solutions. I recommend her to all my investor friends."

SK

Susan K.

Investment Properties, Placer County

Get In Touch

Let's talk about your home loan goals

Whether you're just starting to think about buying or you're ready to apply, I'm here to help. Reach out and I'll get back to you within one business day.

Office Address

1230 High St Ste 118A
Auburn, CA 95603

Phone

530-888-7830

Office Hours

Monday – Friday: 9:00 AM – 5:00 PM
Saturday: By Appointment

NMLS #295885 • Licensed in California. Guaranteed Rate is licensed in all states except NY, Georgia, and Wisconsin. Not all loan programs are available in all states.

Request a Consultation

By submitting this form, you agree to be contacted by Mary Payne regarding your mortgage inquiry.

Is this your business? This is my business