About Joshua Payne
VA Loan & Real Estate Specialist | NMLS Licensed | San Antonio, TX
Joshua Payne is a passionate mortgage and real estate professional with over 10 years of experience serving veterans, active-duty military, and everyday homebuyers in San Antonio, Texas, and beyond. His mission is simple: help families build wealth through homeownership.
Specializing in VA home loans, Joshua understands the unique challenges and opportunities that come with military service. From navigating the Certificate of Eligibility process to understanding VA appraisal requirements, Joshua's team provides expert guidance every step of the way.
Joshua has helped thousands of families achieve the dream of homeownership, funding hundreds of millions of dollars in home loans across Texas and surrounding states.
Joshua's Journey
- 2016 — Entered the mortgage and real estate industry, passionate about helping families achieve homeownership
- 2019 — Built and led a high-performing mortgage team focused on VA loan expertise
- 2021 — Opened own branch, expanding services and growing the team
- 2023 — Launched educational YouTube channel to help veterans understand their home loan benefits
- 2025 — Transitioned to the broker world, providing clients access to more lenders and better rates