VA Loan Specialist · Since 2016

Your mission:
homeownership.

I help veterans and everyday families buy and build homes. I tell you the truth about what is possible, and I treat you like family while we get there.

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Thousands of families served
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What are you looking for?

Pick the one closest to you and I will take you straight to it.

Build a home

Construction Loans

One-time close financing to build your home from the ground up. Most lenders do not offer it. I do it every week.

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Use my VA benefit

VA Loans

Zero down, no PMI, and a benefit you earned. I will show you exactly what your entitlement buys.

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Buy my first home

FHA and Down Payment Assistance

Lower credit and smaller savings are not the end of the conversation. Down payment assistance can close the gap.

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Buy outside the city

USDA Loans

Zero down for homes in eligible rural and suburban areas. Send me the address and I will check if it qualifies.

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Invest in real estate

Real Estate Investing

Duplexes, fourplexes and house hacking with VA and FHA. Live in one unit, let the others help pay the mortgage.

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Looking for something else? Conventional loans Refinance Not sure? Book a free discovery call and we will figure it out together.

Joshua Payne seated in a leather chair
Who you will work with

In the mortgage business since 2016, specializing in VA loans.

I'm Joshua Payne, a Senior Loan Officer with Secure Choice Lending, and Texas is home for my family.

I grew up as a military dependent. My dad served in the Marine Corps and later the Army, and both of my grandfathers served as well. I know what it looks like when a family is constantly on the move, and I know what a real home means to one.

My job is simple. Tell people the truth about what is possible, treat them like family, and help them feel confident in one of the biggest decisions they will ever make.

  • VA loans
  • One-time close construction
  • FHA and down payment assistance
  • Conventional and USDA
More about me Watch my videos

Joshua Payne, NMLS #1515413 · Secure Choice Lending, Inc., NMLS #1689518

How it works

Four steps. No surprises.

The first step is a conversation, not a pile of paperwork. Here is what working with me looks like from the first call to the keys.

  1. Talk it through

    A free call. You tell me what you want to do, and I tell you honestly what it takes to get there.

  2. Get pre-approved

    A short application and a look at your credit and income. You come away with a real number you can shop with.

  3. Find it or plan it

    Shop for your home with your agent, or line up your land and builder. I stay with you so nothing catches you off guard.

  4. Close with confidence

    I walk you through your Loan Estimate and your closing numbers line by line, so you know exactly what you are signing.

Get Pre-Approved Book a Discovery Call
Free guides

Everything I explain on calls, written down.

Three free guides you can read right here on the site, or download as a PDF to keep.

Cover of the VA Loan Guide by Joshua Payne

VA Loan Guide

Eligibility, entitlement, the funding fee, and every step from pre-approval to closing.

Read the guide Cover of the Construction Loan Guide by Joshua Payne

Construction Loan Guide

How one-time close construction loans work, what you can build, builder requirements and draws.

Read the guide Cover of the FHA Loan Guide by Joshua Payne

FHA Loan Guide

Credit, down payment, mortgage insurance, loan limits and how the process works.

Read the guide
Free calculators

Run your own numbers first.

I built Best Home Loan Calculator so you can see the same math I use with my clients. It is free, and there is nothing to sign up for.

VA

VA Residual Income

Check your income against the VA residual income test and see your full monthly payment.

VA build

VA Construction

Land, build costs, contingency and the funding fee, rolled into one loan.

FHA

FHA Loan

Payment, mortgage insurance and cash to close on an FHA loan.

Conventional

Conventional Loan

Payment, PMI and cash to close with as little as 3% down.

Any loan

Closing Costs

Estimate your cash to close for any address in the country.

Any loan

Loan Estimate Explainer

Read your Loan Estimate line by line, or compare two of them side by side.

See every calculator
On YouTube

New videos every week.

I break down VA loans, construction loans and what the market is doing, in plain English. Here are the latest.

Home buyingHow to Read a Loan EstimateHome buyingHow Midterms Could Change HousingRates and marketDoes Trump's Housing Order Lower Your VA Loan Rate?AssumptionsVA Loan Assumptions: How to Get a 2.5% Rate Today
All videos Subscribe on YouTube
Where I can help

Licensed in 45 states.

Secure Choice Lending, Inc. (NMLS #1689518) is licensed to originate mortgage loans in 45 states and Washington, D.C. Hover over any state to see the license.

  • Licensed
  • Not licensed: Alaska, Hawaii, Massachusetts, Missouri, New York

See every license and number

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Ready when you are

Let's find out what you qualify for.

Tell me a little about what you want to do, and I will walk you through your options. No pressure and no cost.

Apply Now Book a Discovery Call