Client Reviews
Don't take our word for it. See what veterans and homebuyers across San Antonio and Texas say about working with Joshua Payne to achieve their homeownership goals.
"Joshua made our VA loan process seamless. As active-duty military, we needed someone who understood the VA system inside and out. Joshua delivered — we closed on time with zero down. Couldn't recommend him more highly."
"I was a first-time buyer with limited credit history. Joshua walked me through every option, helped me qualify through an FHA loan with down payment assistance, and got us into our dream home. His team is outstanding."
"We used Joshua for a VA construction loan to build our custom home. He explained the One-Time Close process clearly, locked our rate before construction started, and kept us informed throughout the build. Exceptional experience."
"Joshua helped us refinance our VA loan through the IRRRL program. The process was fast and simple — he handled everything. Our monthly payment dropped by over $300. I recommend Joshua to every veteran I know."
"From pre-approval to closing, Joshua and his team were professional, responsive, and proactive. He answered every question quickly and kept our timeline on track. Best mortgage experience I've ever had."
"I was skeptical about VA loans after hearing horror stories. Joshua changed my mind completely. He demystified the entire process, fought for our deal, and we closed with no money down. He's earned a customer for life."
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