Headshot of Eric Payne

Eric Payne

Loan Officer

Gig Harbor, WA Mortgage Lender

NMLS #2023458


About Eric

As your friendly neighborhood mortgage partner, I love opening doors for my clients. With three years of experience as a loan officer and sales manager and a knack for numbers, I’ve mastered the art of turning dreams into keys. Whether you’re buying your first home, next home, or an investment property, I can’t wait to put them into your hands.

The key to your homeownership dreams is the right home loan. I’ll guide you through my collection of products, such as conventional, FHA, VA, USDA, and jumbo loans, to draft a plan that works for you. We’ll walk through each step of your home financing strategy, I’ll answer your questions, and keep you informed about your loan’s progress throughout the process. From application to closing and beyond, I can’t wait to be your mortgage partner.

When I’m not guiding buyers to their dream homes, you’ll find me exploring the landscapes of the Pacific Northwest in my trusty Bronco, all while soaking up cherished moments with my family.


  • Purchase and Refinance
  • Purchase
  • Refinance Loans
A homeowner and child waving goodbye to mortgage insurance with Bye-Bye PMI

Save on your mortgage every month

Say Bye-Bye PMI


Typically, when your down payment is less than 20%, you have to pay monthly private mortgage insurance (PMI).

CCM Bye-Bye PMI offers qualified borrowers a conventional mortgage for as little as 15% down without PMI. That’s monthly mortgage savings and a smaller down payment, giving you more purchasing power.

Start Here

Recent Posts and Articles


Helping your home financing process go smoothly.


  • The Mortgage Process

    There are some major milestones on your road to home financing. As your loan officer, I’ll be with you every step of the way to make sure you understand each one and get through them quickly.

  • Payment Calculator

    How much will your mortgage payment be? How much can you save if you refinance? Is it better to buy than rent? Use these online calculators to crunch the numbers and see for yourself.

  • Find the Right Loan

    I separate myself from other lenders by offering a broader selection of home financing options — from loans for first-time homebuyers to refinance programs for accessing your home’s equity.

  • Home Loan Check List

    Before you explore the endless options of home financing, some preparation is in order. Planning ahead for your mortgage is the key to an easier and more successful home financing process.

Quick Contact Form

Send me a message below or give me a call at