Serving customers across
the Southeast
A loan officer you can trust.
Buying or refinancing your home is one of the biggest decisions you'll make. You should have someone on your side — let me crunch the numbers so you don't have to.
Hi, I'm Payton — and I make mortgages simple.
I grew up in Arkansas, and I'm raising my family here. I've spent my career learning every corner of how a mortgage actually works, so you don't have to. Most people come to me stressed about a process they've been told is complicated. My job is to make it not complicated.
You get a direct line to the person making decisions on your loan, honest math instead of a sales pitch, and updates before you have to ask. When I'm not at the closing table, I'm usually in a duck blind before sunrise with my dog.
"Buying a home shouldn't feel like a fight. My only job is to get you the keys."
Payton Titus · Mortgage Loan Officer at Primary Residential Mortgage, Inc. · NMLS #2364795
Wherever you're starting, I can help.
Pick the one that sounds like you — there's a clear next step for each.
Just getting started
Not ready to buy yet? Let's build a plan and get you mortgage-ready.
Start planning →Ready to buy soon
Let's get you pre-approved so you can shop with confidence and a real number.
Get pre-approved →Looking to refinance
Lower your rate or term. I'll run the honest math on whether it's worth it.
Explore refinance →Tap into equity
Need cash from your home's value? Let's talk through your cash-out options.
See equity options →The right loan for your situation.
Whatever path gets you home, I've closed it hundreds of times. Let's find the program that fits.
Conventional
FHA
VA
USDA
Jumbo
Program availability and eligibility vary by borrower, property, and location. Not a commitment to lend — all loans are subject to credit approval, income verification, and property appraisal. Equal Housing Opportunity.
My family means everything to me. I'll treat yours the same.
You're never just a loan number to me. You're a family I'm helping get home — and I take that as personally as if it were my own.
Families I've gotten to the closing table.
"Payton went above and beyond for us. He answered every phone call and text I sent — and there were a LOT! We switched from Rocket Mortgage because Payton promised no hidden fees, and he kept his word. No surprises, and our closing costs were about $500 less than I'd been told. So grateful as a first-time buyer."
"Payton is amazing. He made the whole process so smooth and was always available to answer any questions — he really goes above and beyond. I was so impressed I told a friend, and she closed on her house 15 days later. I tell anyone looking to buy a home about Payton."
"He helped me with every question when I didn't know what I was doing. He handled the paperwork for me and even found me a great realtor. He never gave up trying to get me approved. I recommend Payton over anyone."
Ready to get started?
Let's find the right loan for your situation. Apply in minutes, or grab a free 15-minute call and I'll show you exactly what's possible — zero obligation.