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.
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 and my kids.
Payton Titus · Mortgage Loan Officer at Primary Residential Mortgage, Inc. · NMLS #2364795
Pick the one that sounds like you — there's a clear next step for each.
Not ready to buy yet? Let's build a plan and get you mortgage-ready.
Start planning →Let's get you pre-approved so you can shop with confidence and a real number.
Get pre-approved →Lower your rate or term. I'll run the honest math on whether it's worth it.
Explore refinance →Need cash from your home's value? Let's talk through your cash-out options.
See equity options →Whatever path gets you home, I've closed it hundreds of times. Let's find the program that fits.
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.
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.
"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."
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.