“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). 

Rebecca Landrum



Originally from Atlanta, Rebecca has called Chattanooga her home for the last twenty years.


She began her career in retail banking, working for twelve years with Bank of America, Suntrust Bank, and Regions Bank until moving over to the mortgage business.  Rebecca has worked for the last eight years as a Loan Officer Assistant, a Closing Agent, and a Mortgage Shipper.

Tammy Southworth


Tammy is an Approval Specialist | Loan Assistant who helps Loan Officers with all aspects of the loan process. She strives to deliver stellar customer service and genuine excitement to help clients fulfill their goal of owning a home.

Tammy processes loan applications and works with Greg educating clients through the process of the plethora of forms needed to complete a loan file.  


Tammy has been in the real estate business for over fifteen years working in the commercial real estate sector.  While in this role, Tammy handled mall and lifestyle center leasing and sponsorship and branding contracts for shopping centers.  


Born in Michigan, but she considers Baton Rouge, LA home. She enjoys reading, traveling, food (who doesn’t enjoy food??) and finding hidden treasures at thrift stores.  She has performed volunteer work for Big Brothers/Big Sisters and served as a Court Appointed Special Advocate (CASA) for the Juvenile Court System giving a voice to children who would otherwise be unheard. 

© 2020 Payne Mortgage Team