William Wirt Payne

NMLSID#
283298
Company
First Home Mortgage
Participating lenders have agreed to a LENDAID code of conduct relative to transparency and independent customer surveys.
Certified
Equal Housing Opportunity
Job Title
Mortgage Banker
Career Started
2005
Website
https://billpaynemortgagelender.com/
Address
465 W. Coleman Boulevard Suite 201, Mount Pleasant, South Carolina
For updated license info and work history visit  NMLS Consumer Access

172 LENDAID Certified Reviews

Reviews are independently sourced by LENDAID from closed loan customers to ensure true, unbiased feedback of the loan officer's customer experience.
Certified

About William Wirt Payne

Prior to becoming a Loan Officer in 2005, Bill worked for a private equity group in New York as a Controller for one of the venture groups focusing heavily on acquisitions. He accepted this role after serving as a Manager with the Assurance and Advisory Business division for Ernst & Young. There, his duties included providing strategic planning for SEC clients as well as guiding the board of directors on new government legislation. His background as a Certified Public Accountant and experience with private equity suit him very well for working with clients in this industry. He is a graduate of Birmingham-Southern College in Birmingham, Alabama, where he earned a Bachelor of Arts degree in Accounting. Bill serves as a Board Member of Reading Partners of South Carolina and is an active member of the South Carolina Aquarium. First Home Mortgage Corporation NMLS ID #71603 (www.nmlsconsumeraccess.org)

William's Reviews

4.9 Stars - 172 Reviews
"Bill Payne is great to work with - made the process so easy and seamless. I really appreciated all the time and effort he spent to make sure I understood everything. Great work!"
Buying - North Charleston, South Carolina July 2018
"Superb follow-up. Anticipatory service. Very responsive and knowledgeable. "
Buying - Mount Pleasant, South Carolina July 2018
"He's interested in what his customers need- he comes up with ideas to help customers achieve their goals. "
Buying - Winston Salem, North Carolina December 2017
"Every one we worked with at First Home Mortgage answered all of our questions and made the home buying process as easy as possible. No more searching for mortgages for us!"
Buying - Charleston, South Carolina December 2017
"Bill is extremely professional and incredibly knowledgeable. I would certainly recommend him to others and will continue working with him in the future."
Refinance - Myrtle Beach, South Carolina January 2018
Buying - Charleston, South Carolina March 2018
"Got it done son!!!"
Buying - North Charleston, South Carolina March 2018
"This was my second time using Bill Payne and First Home Mortgage and I am just as pleased as the first time. Always a great experience and Bill helps me with all my questions!"
Buying - Charleston, South Carolina April 2018
"Very punctual and willing to explain everything to a first time buyer. I definitely will be back when I buy my next home. Thanks again Bill Paine!"
Buying - Summerville, South Carolina May 2018
"He was patient with us during the buying process. Took the time to understand our needs and was very helpful in explaining our options to us!"
Buying - Charleston, South Carolina May 2018
"Bill made the loan process easy & even got me an additional credit before closing date."
Buying - Goose Creek, South Carolina October 2024
"Bill and Robyn were amazing. They didn't only amaze me, but amazed everyone that was involved in the process of purchasing my home. Bill was always available and always went the extra mile for me. I will only deal with Bill and you guys in the future. And of course will recommend you to anyone interested in buying a home. Thank you so much! "
Buying - Summerville, South Carolina August 2018
"Bill knows what needs to be done to secure a mortgage at the best rate possible. He helps guide you through the process and works hard to get everything done right!"
Buying - Summerville, South Carolina August 2018
"Best experience with a mortgage lender. Great follow through on every detail. A pleasure to work with. "
Buying - North Myrtle Beach, South Carolina September 2018
"We highly recommend Bill to everyone - he was very responsive and looked out for our best interest and his support Robin was also fantastic."
Buying - Mount Pleasant, South Carolina May 2018
"First Home Mortgage and Bill Payne are fantastic! "
Buying - Goose Creek, South Carolina November 2018
"Turn key. Process very smooth, no hiccups "
Buying - Charleston, South Carolina November 2018
Refinance - North Charleston, South Carolina January 2019
"Service couldn't be better. Bill was great. "
Buying - Mount Pleasant, South Carolina April 2019
"Easy to work with. Will always use them. "
Buying - Mount Pleasant, South Carolina April 2019
"Made the loan process easy. And kept in touch and informed me on what was going to happen next."
Buying - West Jefferson, North Carolina June 2019
"William was great. He was very responsive, encouraging, and willing to explain everything. Definitely the best experience I�ve ever had with a financial professional, and I would highly recommend him. "
Buying - Summerville, South Carolina June 2019
Refinance - Mount Pleasant, South Carolina June 2019
Buying - Charleston, South Carolina June 2019
Buying - Summerville, South Carolina June 2019
"Fantastic!"
Refinance - Mount Pleasant, South Carolina June 2019
"We really appreciate the work that Bill did for us. He and his staff communicated extremely well and made the entire loan experience smooth and stress-free for us. "
Buying - Summerville, South Carolina June 2019
"The absolute best in the business!"
Buying - Bluffton, South Carolina June 2019
Buying - Charleston, South Carolina June 2019
Buying - Charleston, South Carolina June 2019
"2nd time I've worked with Bill. He provided nothing less than exceptional service both times. I HIGHLY recommend him to others and look forward to working with him again in the future."
Buying - Valrico, Florida July 2019
"First Home Mortgage made buying my first home a very positive experience! They were so helpful and always available to talk if I had any questions. I highly recommend them!"
Buying - Charleston, South Carolina July 2019
"I will always use Bill. The most professional and helpful there is."
Refinance - Mount Pleasant, South Carolina August 2019
"Bill was great. Wonderful experience from start to finish. My only complaint is the excessive mail I am getting regarding the loan."
Refinance - Charleston, South Carolina August 2019
Buying - Mount Pleasant, South Carolina August 2019
"Made the process smooth and always available for questions."
Buying - North Charleston, South Carolina August 2019
"Flexible. Great follow through. Available to discuss options/ideas. Great team!"
Refinance - Mount Pleasant, South Carolina September 2019
"Top notch!"
Refinance - Sullivans Island, South Carolina September 2019
"Bill aligned his schedule with ours in order to support our expedited requests. He went a step further and supported our needs as he and his family had to evacuate for a hurricane. We could not ask for better service!"
Buying - Mount Pleasant, South Carolina September 2019
"Great experience. I would highly recommend to anyone to use First Home Mortgage."
Refinance - Mount Pleasant, South Carolina September 2019
Buying - Mount Pleasant, South Carolina September 2019
"Outstanding"
Buying - Charleston, South Carolina September 2019
"The best in the business."
Refinance - Johns Island, South Carolina October 2019
"Helpful, friendly, and went the extra mile! Thank you so much!"
Refinance - Charleston, South Carolina November 2019
"Very responsive and helpful"
Buying - Summerville, South Carolina November 2019
Buying - Charleston, South Carolina December 2019
Buying - Mount Pleasant, South Carolina January 2020
Refinance - Summerville, South Carolina January 2020
Buying - Mount Pleasant, South Carolina January 2020
"Bill and his team are top-shelf and made a seamless experience throughout the refi process. Communication channels tailored to my preference, schedule, and alignment at all stages of the journey."
Refinance - Charleston, South Carolina January 2020
Buying - North Charleston, South Carolina January 2020
Buying - Mount Pleasant, South Carolina February 2020
"Very attentive to our needs, questions and request taken care of in a timely manner."
Refinance - Mount Pleasant, South Carolina February 2020
"Great first time home buying experience with this mortgage company."
Buying - North Charleston, South Carolina February 2020
"No issues at all working with Bill Payne. We always stayed up to date with everything pertaining to our loan."
Buying - Mount Pleasant, South Carolina March 2020
"He is the best in the biz! 5 star service!"
Refinance - Mount Pleasant, South Carolina March 2020
"Welcoming, approachable, professional, prompt, precise. Great experience and great communication throughout the process."
Buying - Charleston, South Carolina March 2020
"He is very responsive and understands the fluctuating market. I used him when I bought 2.5 years ago and he contacted me when rates were dropping to refinance."
Refinance - Charleston, South Carolina March 2020
"Fast,thorough and a pleasure to work with!"
Buying - Charleston, South Carolina March 2020
"Working with Bill and his group makes buying a house real easy. Would highly recommend them."
Buying - Charleston, South Carolina March 2020
"The overall experience was very good and Mr. Payne was responsive to our particular needs in regard to the best mortgage program for us at this time. He generally communicated quickly despite the unusual demands presented by the corona virus."
Buying - Hardeeville, South Carolina April 2020
"very responsive and supported our requests and gave a number of options. always there..."
Refinance - North Charleston, South Carolina April 2020
"Very professional and always got back to me when necessary. Also very kind!!!!"
Buying - Summerville, South Carolina May 2020
Refinance - Georgetown, South Carolina May 2020
"We worked with Bill Payne during the pandemic time and buying a property out of state. Bill and his team kept us informed and followed up with us everyday. Completely transparent with every phase of mortgage and buying of property."
Buying - Mount Pleasant, South Carolina May 2020
Refinance - North Charleston, South Carolina May 2020
Buying - Charleston, South Carolina May 2020
"Great to work with, knowledgeable, sense of urgency, and professional."
Refinance - Mount Pleasant, South Carolina May 2020
"Awesome to work with"
Refinance - Mount Pleasant, South Carolina June 2020
"Bill is phenomenal! Super "customer" friendly and amazing to work with. I will continue to use FHM for future transactions because of Bill."
Refinance - Valrico, Florida June 2020
Buying - Mount Pleasant, South Carolina July 2020
"Wonderful to work with. I will recommend to everyone. Great experience . "
Buying - Charleston, South Carolina July 2020
"Bill is THE BEST!"
Buying - Mount Pleasant, South Carolina July 2020
"Bill was very helpful and available. I appreciated the portal for document uploads. I would have appreciated more updates along the way regarding progress through the process but considering the adjustments that had to be made on the fly due to the pandemic the whole process was well managed. "
Buying - Johns Island, South Carolina July 2020
"William (Bill) Payne and the rest of his team were professional, prompt and had excellent communication skills to keep the mortgage application process on track and running smoothly. Bill obtained a mortgage for me in less than 30 days despite the extenuating circumstances presented by Covid. Based upon my experience, I would recommend him to anyone looking for a no nonsense mortgage application experience. "
Buying - Mount Pleasant, South Carolina July 2020
"Very hard working group. They were responsive and thorough and I would highly recommend this company."
Buying - Johns Island, South Carolina August 2020
Buying - Charleston, South Carolina August 2020
"Bill was great to work with!"
Refinance - Mount Pleasant, South Carolina August 2020
"Great communication throughout the process. Quick to answer questions and explain my options."
Refinance - Aberdeen, North Carolina August 2020
"Bill and his team were timely, informative and professional."
Buying - Charleston, South Carolina August 2020
Buying - Charleston, South Carolina August 2020
"This is our second time working with William and would not hesitate to recommend him to anyone. Most helpful."
Refinance - North Charleston, South Carolina August 2020
Refinance - Charleston, South Carolina August 2020
"Mr Payne made our experience painless!!! 🤣 This was by far the easiest refi we have ever done!!! "
Refinance - Johns Island, South Carolina August 2020
"From the very first encounter until the papers were signed, it was a very pleasant experience. "
Buying - Charleston, South Carolina August 2020
"Always available to answer any question. Providing clearly understandable answers. Very warm and considerate. "
Buying - Goose Creek, South Carolina September 2020
"Bill is awesome to work with. He is always available, responsive, and helpful. I couldn't be happier. "
Refinance - Charleston, South Carolina September 2020
"Bill was awesome! Easy process and great communication! "
Refinance - Charleston, South Carolina September 2020
"Best experience I have had with a mortgage provider in 20 years!"
Refinance - North Charleston, South Carolina September 2020
"Simple, fast. Keeper is informed!"
Refinance - Mount Pleasant, South Carolina September 2020
"Bill went the extra mile for us. Communication was outstanding and very fast. He answered all the questions we had and made sure to put our mind at ease."
Refinance - Hanahan, South Carolina October 2020
Refinance - Mount Pleasant, South Carolina October 2020
"Answered all my questions promptly and acurately."
Refinance - North Charleston, South Carolina October 2020
"My 1st time working with Bill, he was great closing on my property and this time was great as well with refinancing. Bill does a great job. "
Refinance - Charleston, South Carolina October 2020
"They handled two loans for us at once and did a great job! Bill and the rest of the staff were very responsive and handled everything professionally and efficiently. We will be doing business with them again."
Refinance - Hanahan, South Carolina November 2020
"Very helpful, friendly, easy to work with."
Refinance - Mount Pleasant, South Carolina November 2020
"Bill is the best. Extremely knowledgeable and helpful. I recommend him to everyone. "
Refinance - Johns Island, South Carolina November 2020
"True professionals "
Refinance - North Charleston, South Carolina November 2020
Buying - Charleston, South Carolina December 2020
Refinance - Charleston, South Carolina December 2020
"Outstanding service including response time and explanation of loan options "
Buying - Marietta, South Carolina December 2020
"Perfect Process!"
Refinance - Johns Island, South Carolina December 2020
Refinance - Charleston, South Carolina January 2021
"Quick response time. Knowledgeable about types of mortgages, closing attorneys and title companies. Communication to keep us informed of where we were in the process was spot on. "
Refinance - Charleston, South Carolina January 2021
"Bill Payne and his team were wonderful. They were professional, friendly and helped to make our refinance simple and quick. I will definitely recommend them to everyone!"
Refinance - North Myrtle Beach, South Carolina January 2021
"Bill has always gone above and beyond when I needed a mortgage! Outstanding service and support "
Buying - Mount Pleasant, South Carolina January 2021
Buying - Mount Pleasant, South Carolina February 2021
"Bill and his team are top notch! this is the second mortgage I have obtained thru his company. They are very efficient and prompt. No phone call or question was left unanswered. I highly recommend them to anyone looking for a mortgage"
Refinance - Mount Pleasant, South Carolina February 2021
"Professional with knowledge and skill."
Refinance - Murrells Inlet, South Carolina February 2021
Buying - Mount Pleasant, South Carolina March 2021
"Bill was great! He made the process easy and smooth while providing great communication and updates! Would refer him to friends and family! "
Refinance - Hollywood, South Carolina March 2021
"Bill and his team were awesome! So easy to work with and helpful. I highly recommend and will use them again in the future."
Buying - North Charleston, South Carolina March 2021
"Bill was a pleasure to work with. He made the loan process enjoyable. I would recommend him to anyone looking for a loan. "
Buying - Mount Pleasant, South Carolina March 2021
"Awesome as always!"
Refinance - Mount Pleasant, South Carolina March 2021
"Initial contacts and communication with Bill Payne were fine. Then the team took over. I had messages from at least 8 people, 6 different closing dates, and general chaos and confusion. Very poor communications. Phones always go to message box."
Refinance - Charleston, South Carolina March 2021
"Bill was great to work with, very knowledgeable and always got back to me in a timely fashion. I highly recommend him and his team."
Buying - Mount Pleasant, South Carolina April 2021
"Highly responsive, friendly and organized "
Refinance - Ravenel, South Carolina April 2021
Refinance - Charleston, South Carolina May 2021
"He was so supportive and helpful throughout the whole process. Our seller complicated things so much, but our loan was one thing that worked so smoothly! Bill is awesome!"
Buying - Charleston, South Carolina June 2021
"Bill was great! Very knowledgeable and super easy to work with. This was by far the easiest mortgage process ever."
Buying - North Augusta, South Carolina June 2021
"Bill is amazing! He was patient with all my calls and questions. He even worked through things when I needed him to change course quickly. He helped make things happen for our family and kept our best interest at the forefront. Grateful! "
Buying - Charleston, South Carolina June 2021
"Great guy. Super friendly but not unprofessional. Knowledgeable and very helpful. Clearly answered any questions my wife and I had. Would recommend him to anyone buying their first home or their 20th"
Buying - Mount Pleasant, South Carolina July 2021
Buying - Mount Pleasant, South Carolina July 2021
"Bill was awesome and very easy to work with!"
Buying - Mount Pleasant, South Carolina July 2021
"top notch, repeat customer- no one is quicker or helps you though the process end to end then Bill. Kudos to another great job."
Buying - Saint Simons Island, Georgia August 2021
"the whole team was great from start to finish."
Refinance - Mount Pleasant, South Carolina September 2021
"Repeat customer. Bill is the only guy I use. "
Buying - Johns Island, South Carolina September 2021
"He was kind and kept everything going smoothly along with the process. I was able to ask him questions and he always answered promptly with detailed explanations. I plan to use his services again if I move."
Refinance - Pendleton, South Carolina September 2021
"Mr Payne is knowledgeable, informative, and he & his team are a pleasure to work with. I've used him for three mortgages now, and wouldn't go another way."
Refinance - Summerville, South Carolina October 2021
"Bill is in my mind the greatest loan officer in America 🇺🇸!"
Buying - Moncks Corner, South Carolina October 2021
Refinance - Hanahan, South Carolina October 2021
Buying - Adams Run, South Carolina October 2021
"Bill is the best in the business. We return to him over and over again! "
Refinance - Hanahan, South Carolina October 2021
Refinance - North Charleston, South Carolina November 2021
"Excellent service!!!! "
Buying - Charleston, South Carolina December 2021
Refinance - Charleston, South Carolina December 2021
"I have used Mr Payne several times over the years also friend and family that I recommend they use Mr Payne and him and his team have always been great to work with and help through the process "
Refinance - Awendaw, South Carolina December 2021
"Wonderful. Bill and his team made my part of the refinance very simple, they did all the heavy lifting."
Refinance - Hanahan, South Carolina December 2021
"Third time our family has worked with Bill'€¦always very supportive and responsive to our needs."
Refinance - Summerville, South Carolina January 2022
"Bill and his team are truly amazing. They are easy to work with and quick to respond. Bill goes above and beyond in his job and I know I can always count on him. I'll be continuing to use First Home for future purchases because of my great experience with Bill."
Refinance - North Charleston, South Carolina January 2022
"Reall easy to deal with. All the requirements were reasonable and the whole team was ready to assist all the time. "
Refinance - Mount Pleasant, South Carolina February 2022
"Very professional and super easy to work with."
Refinance - North Augusta, South Carolina March 2022
"Bill and the team made the entire process straight forward and helped us through the entire process. "
Buying - Mount Pleasant, South Carolina March 2022
"Bill was great from the outset helping identify a solution for us to bridge the window pre and post sale and was very responsive and helpful in answering questions we had"
Buying - Mount Pleasant, South Carolina March 2022
Refinance - Summerville, South Carolina April 2022
"My experience working with Mr. Payne was excellent, especially with difficult circumstances as I work overseas and often do not have access to internet and phone service. The process was made simple and easy by the online portal, and his coworkers giving continued reminders to accomplish tasks. Will be recommending to my friends in the same line of work if they wish to purchase a home in the area. "
Buying - Charleston, South Carolina April 2022
"Bill was an unbelievable pleasure to work with. Not only was he a wealth of information through every step of our process but he consistently put our minds at ease at each step of our particularly complex scenario. Bill seemed personally invested in getting us the best rate we could beyond just coaching us. He went above and beyond any reasonable expectations on multiple occasions. I will insist to any of my friends who are looking to buy property that they work with Bill Payne. If I could give more stars I would. "
Buying - Charleston, South Carolina May 2022
Buying - Charleston, South Carolina June 2022
"Communication was quick, effective, and professional. The team got the job done in half the expected time. Fantastic overall customer experience! "
Buying - Charleston, South Carolina June 2022
"Honestly, working with Bill and team put my mind at such ease. I am not only a first time homebuyer, but I went through this process on my own. Bill & his team answered all of the questions I had, no matter what time of day, and kept me up to date every step of the way. I truly felt so supported & in good hands with them!"
Buying - Charleston, South Carolina July 2022
"He was fantastic and helped me in every reasonable way."
Buying - Charleston, South Carolina July 2022
"Bill is GREAT! He knows the home mortgage industry, is very knowledgeable and what he tells his customers is truthful and just. This is my second time using Bill for my mortgage needs and I would not use anyone else. Bill deserves a RAISE!"
Refinance - Sumter, South Carolina August 2022
"Great service! His whole team was great!"
Buying - Mount Pleasant, South Carolina September 2022
"Attentive, knowledgeable and friendly"
Buying - Mount Pleasant, South Carolina September 2022
Buying - Charleston, South Carolina January 2023
"Bill, Robyn, Madeline and team were amazing! My experience purchasing a home on my own was stress-free because of these folks. I would recommend them to anyone purchasing a home."
Buying - Charleston, South Carolina March 2023
"He was extremely helpful and professional all the time. Complete understanding of his customer."
Buying - Pawleys Island, South Carolina March 2023
"I had a great experience with Bill Payne and First Home Mortgage. Bill was extremely accessible and responsive throughout the process. I have no complaints at all. "
Buying - Charleston, South Carolina March 2023
"Very responsive and very quick. Helpful with giving all options and talking through different scenarios."
Buying - Charleston, South Carolina April 2023
Buying - Charleston, South Carolina May 2023
Buying - Charleston, South Carolina May 2023
"Bill has always been great. He helped us understand our options and the best path forward for our mortgage/refinance needs. Thank you Bill!!!!!"
Buying - Camden, South Carolina May 2023
"Bill made himself available day and night with my questions. I'll be sure to use Bill again in the future, true pleasure working with him. "
Buying - Charleston, South Carolina May 2023
"Bill always goes over and beyond with every need we have ever had. He’s very responsive, thorough in his explanations and quick to turn around any documentation. He has become a trusted friend and only one we will use for mortgage needs. "
Buying - Aiken, South Carolina July 2023
"Great service and professionalism "
Buying - Charleston, South Carolina August 2023
"Such a smooth and low stress event. Wonderful working with Bill and his team. By far the easiest, most transparent, and streamlined experience we have had with a home purchase. Thanks a million!"
Buying - Charleston, South Carolina September 2023
"Very accessible, very approachable. Would do business with again!"
Buying - Mount Pleasant, South Carolina October 2023
"Great experience working with Bill. The process ran smoothly and very efficiently."
Buying - Bluffton, South Carolina March 2024
"Bill was excellent to work with for our home purchase! He is sharp, strategic, responsive and attentive. I felt that we had a trusted partner we could lean on every step of the way."
Buying - Mount Pleasant, South Carolina April 2024
"Bill was great to work with. Very informative and helpful. "
Buying - Summerville, South Carolina May 2024
"Bill was great to work with. Very knowledgeable and helpful. "
Buying - , July 2024
"Bill was fantastic to work worth. He helped breakdown every step of the purchase and answered all of our questions along the way I would highly recommend him! "
Buying - Johns Island, South Carolina October 2024

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