Edge Home Finance - Brad Payne NMLS# 2366717

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Atlanta, GA
Edge Home Finance - Brad Payne NMLS# 2366717

A local SC mortgage broker serving the Low Country. Equal housing opportunity. Lic. in SC, GA & VA.

03/24/2026

A rule that blocked a lot of Lowcountry condo deals just went away.

Fannie Mae eliminated the investor concentration limit on established condo buildings. That means buildings where more than half the units are investor-owned — think resort communities, vacation condos, properties near the water — are no longer automatically disqualified from conventional financing.

If you've ever had a buyer fall in love with a condo and then found out it was "non-warrantable," this change is worth knowing about. Some of those buildings may now qualify.

Happy to run a quick check on any building you're working with.

Brad Payne | Edge Home Finance | (404) 398-9991 | NMLS # 2366717

03/19/2026

One of the more common reasons home deals fell apart at closing in the Lowcountry just got fixed.

Fannie Mae no longer requires roofs to be insured at full replacement cost. Older roofs — think 14+ years — can now be covered at actual cash value and still qualify for conventional financing. No replacement required before closing.

This is a big deal in coastal markets where insurers have been refusing to offer full replacement cost coverage on older roofs. If you've had deals die because of a roof issue, that roadblock may be gone.

Brad Payne | Edge Home Finance | (404) 398-9991 | NMLS # 2366717

12/03/2025

Somehow, I was nominated for Best Loan Officer in Bluffton. I would love for your vote! You can vote 1x per day from now till Christmas!

08/07/2025

More 5 star reviews and wonderful families served!

04/14/2025

Absolute pleasure working with these buyers on their first home purchase! If you are buying in South Carolina, give me a call and let's see what we can do for you!

07/31/2024

This one was a bit of a complicated condo purchase on HHI with the buyer trying to do a quick close in 19 days with 2 holidays in between. Buying a condo in a vacation zone can always be tricky for financing, so it helps to work with a local mortgage lender who knows the ins and outs of the market!

06/13/2024

What a fun call night with The Peirce Group! Brad Payne NMLS # 2366717 serving margaritas and tacos! The Peirce Group

05/27/2024

“Our debt to the heroic men and valiant women in the service of our country can never be repaid. They have earned our undying gratitude. America will never forget their sacrifices.” – Harry S. Truman

05/21/2024

Absolutely great family that we were able to help welcome to Bluffton! A large national lender dropped the ball 2 days before closing, but we were able to get it done on the same terms in 10 days. Reach out if you need a lender in the Lowcountry!

The Peirce Group

05/15/2024

Jordyn was such a pleasure to work with and can't wait to welcome her to the Lowcountry! Reach out for the same customer service for all clients!

05/14/2024

Congrats to my buyers, who went through an unfortunate experience with a large national lender and needed a local lender to help get them to the finish line, which we did in 10 days!

The Peirce Group

Address

Atlanta, GA

Telephone

+14043989991

Website

https://thenopaynebroker.com/

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