“Our goal is to provide you a better way to secure a home loan.”

There’s a commercial out now that seems to suggest getting a mortgage loan is as easy as pressing a button on your phone.

But, it’s not. In fact, it’s not even close ...nor should it be.

Buying a house is most likely the single greatest financial decision anyone will make in their lifetime. With that in mind, should it be THAT easy to get a loan? Wouldn’t you want to know all the details of the loan, the process, and the person making the credit decision before you “pushed the button” on such a huge financial obligation?


We know that we would.


The Payne Mortgage Team with Summit Funding aims to make the mortgage loan experience a great one. Our goal ties perfectly into Summit’s overall mission, which is:


“...provide a better way, and a better experience overall, for those securing a home loan. To that end, we strive daily to build a company in which the customer genuinely comes first. Each of our home loan experts are dedicated to providing quality mortgage services, deeper personal relationships, and real results. Easier said than done, we commit ourselves to this level of excellence, do the right thing, and show others that we genuinely care. In every sense, we are part of something greater than ourselves and that’s what makes Summit Funding unique in a crowded marketplace.


We are a group of people dedicated to improving our communities and changing people’s lives.”

We are excited and anxious to help you

reach your goal of  home ownership!

Greg Payne



Greg Payne has been a mortgage loan officer since 2016. In that time, he’s helped well over one hundred families realize their dream of homeownership. Prior to re-entering the mortgage business, Greg was a successful high school baseball coach winning a state title at McCallie in 2014. 


Greg graduated from Lakeview-Fort Oglethorpe High School in 1986. From there, he signed a baseball scholarship to play at Shorter College where he graduated magna cum laude in 1990. During his time at Shorter, Greg was named All-Conference three times and All-District twice. 


Greg worked as a loan officer at Community Federal Savings Bank, AmSouth and Northwest Georgia Bank in the 1990s. There he did mortgage loans, consumer loans and managed some of the daily bank operations. 


Greg has been married to Tiaa for 26 years and they have two children, Tyler (23) and Lyndsay (21). 


Sherry Harwood



Sherry’s business world experience has covered all spectrums. She thoroughly enjoys jobs that enable her to help others. She considers her positive attitude and team spirit her greatest skills. She enjoys working with people and finding solutions, that is what led her to the mortgage industry. Buying a home will probably be the largest purchase most people make and she enjoys being part of that process.

Sherry’s greatest joys in life are her two fabulous sons who are making their own way in the world now. She loves animals and supports animal charities when she can. She enjoys reading, friends, family time, and especially nature. She loves going on hikes and being near the water.


Stacie Miles



Stacie has over twenty years of experience in the mortgage industry. She has always been self-motivated, along with being a fast and eager learner with great organizational skills. She’s known for being very dependable with a desire to succeed and excel in a team environment. All these traits have worked well for her in her career.

Stacie loves the outdoors, especially the water and she LOVES fishing. Her dog Bear (an 80 pound German Shepard) is like her second child and he eats supper with her every night. A supper that includes Bear being fed with a fork!


What is the American Dream?


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(423) 417-3206 Office

(423) 645-9404 Cell


Greg Payne, Loan Officer

NMLS ID# 1527537 GA LIC# 52400

6148 Lee Hwy, Suite 308

Chattanooga, TN 37421

Branch NMLS ID# 1821797

Summit Funding, Inc. NMS ID# 3199, GA Lic# 39456


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