About OpenKey Mortgage Advisors

OpenKey Mortgage Advisors is a licensed mortgage brokerage helping families and individuals in Upstate South Carolina achieve homeownership with confidence. We guide first-time homebuyers, growing families, self-employed professionals, and veterans through purchase loans, refinances, FHA, VA, conventional, and jumbo options, matching you with the right lender from our network for competitive terms and a smooth process. With deep local knowledge of the Upstate market, we provide personalized advice, fast pre-approvals, and clear communication every step of the way. NMLS #2812158. Licensed in South Carolina. Equal Housing Opportunity. Reach out today, we're here to make your mortgage experience straightforward and stress-free.

The process to secure a fixed-rate mortgage

Finding the perfect home is exciting—securing the right mortgage shouldn’t be overwhelming. Whether you’re buying your first home, upgrading, or refinancing, we offer customized solutions to fit your needs.

01
Get Pre-Approved

Share a few details about your goals and finances. We'll review your situation and get you a fast pre-approval so you know exactly what you can afford.

02
Find Your Mortgage

We shop our network of lenders to compare rates and loan options, then match you with the program that best fits your budget and goals.

03
Apply with Ease

Once you've chosen a loan, we guide you through a simple application and handle the paperwork, keeping you informed at every step.

04
Expert Guidance

From underwriting to closing day, we're by your side answering questions and keeping everything on track until you get the keys.

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Trusted results, success for your mortgage

Discover why thousands choose us for their mortgage needs. Our experience, speed, and dedication make homeownership easier than ever.

Samantha Payne

Broker | Owner

Jason Payne

Broker | Owner

Trusted results, success for your mortgage

Purchasing your first home, refinancing, or looking for a personal loan, we make the process simple and stress-free. Explore competitive rates, flexible terms, and personalized solutions.

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Explore competitive rates, flexible terms, and personalized solutions designed to fit your financial goals.

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Why choose us for your mortgage needs

As an independent mortgage brokerage, we work for you—not for a single bank. Instead of one bank's limited menu, we shop a wide network of lenders to find the right fit for your situation—from conventional, FHA, and VA loans to specialized options like DSCR investor loans, jumbo financing, and first-lien HELOCs. That means more choices, more competitive terms, and honest, plain-language guidance from people who actually answer the phone.

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Simplified steps to secure your dream home

3:25 min