Eric Payne - CrossCountry Mortgage

08/07/2026

Happiest of birthdays to REBECCA ZAGAR - WA MORTGAGE LOAN OFFICER- always bringing smiles and positive energy to EVERY situation! 🙏🤘🏽

06/28/2026

Happiest of birthdays to Adrienne Peterson! Fun times celebrating with you and the crew!!!

05/27/2026

Seller Credit Beats a Price Reduction. There. I said it. It had to be said.

Today’s buyers aren’t just struggling with high prices; they’re facing payment shock and limited cash reserves. A price reduction alone doesn’t solve either problem.

Here’s why a seller credit wins:
It lowers their monthly payment more effectively. When a seller credit is used to buy down the buyer’s interest rate, it reduces their payment far more than a modest price cut would- making the home feel affordable, not just cheaper.

It solves the cash crunch. First-time buyers are often stretched thin after the down payment. A seller credit can cover closing costs, giving buyers the breathing room they need to say yes.

It moves buyers off the fence. Price reductions are easy to overlook on a listing. A seller credit directly addresses the two biggest reasons buyers hesitate- and turns hesitation into an offer.

The bottom line for sellers: They net the same. But instead of chasing the market down with price cuts, you’re solving the buyer’s real problems- which means a faster sale, fewer days on market, and a smoother close.

Let me help you strategize on how to get your languishing listing going!

05/19/2026

A look at 40+ years of interest rates tells quite a story.

In the early 1980s, mortgage rates averaged nearly 15%, peaking at over 18% in 1981. Buying a home back then was brutally expensive. Fast forward through the decades and rates slowly worked their way down, dropping into the 3% range by 2021, an all time historic low driven by pandemic era Fed policy.

Then came the whiplash. By late 2023 rates had surged back above 8%, the highest level since 2000, before cooling to around 6.4% today.

On the Fed funds side, the early 1990s saw rates near 5%, the post 2008 era brought them to near zero, and the aggressive 2022 hike cycle pushed them back toward 5.3% before recent cuts brought them down to around 3.6%.

The takeaway? Whether you were buying a home or borrowing money, the decade you did it in made an enormous difference. Today’s rates feel high compared to the 2020s but are actually right in line with the long run historical average of around 7.7%.

History sure has a way to put things into perspective. Do you agree?

05/17/2026

5.0 star review received on Experience.com for Eric Payne by Khalil F - I truly appreciate working with Eric Payne. He did an outstanding job throughout the transaction professional, knowledgeable, and always on top of communication. His dedication and smooth handling of the loan process made the experience great for everyone involved. Highly recommend working with him!

Click to see all 165 reviews of Eric Payne at CrossCountry Mortgage, Sales Manager/Loan Officer | NMLS #2023458

05/16/2026

5.0 star review received on Experience.com for Eric Payne by Bojidarka P - Eric understud what I needed and wor k fast and sufficien to help me out , explain every question and was with me through the whole process

Click to see all 164 reviews of Eric Payne at CrossCountry Mortgage, Sales Manager/Loan Officer | NMLS #2023458

05/12/2026

☀️ Big news, and YES, it’s as good as this weather!

We’re bringing in Certified Appraiser Aaron Diffenderfer TODAY for an exclusive appraisal class: “Mastering Market Value” and you are going to want a seat at this one!

Here’s what we’re covering:
📋 Must-know updates to appraisal guidelines
💰 Tips on properly pricing your listings
📈 And so much more!

Whether you’re brand new to the business or have been in the game for years, this class was made for YOU. The more you know, the more confidently you can serve your clients, and that’s always a win!

📅 TODAY!!! May 12th | 10:00 – 11:15 AM
📍 Gateway Real Estate Office

All are welcome. Come ready to laugh & learn! 🙌

05/08/2026

I’m bringing in Certified Appraiser Aaron Diffenderfer for an exclusive appraisal class “Mastering Market Value” and you are going to want a seat at this one!

Here’s what we’re covering:

📋 Must-know updates to appraisal guidelines
💰 Tips on properly pricing your listings
📈 And so much more!

Whether you’re brand new to the business or have been in the game for years, this class was made for YOU. The more you know, the more confidently you can serve your clients- and that’s always a win!

📅 May 12th | 10:00 – 11:15 AM
📍 Gateway Real Estate Office - 850 39th Ave SW Puyallup

All are welcome!

👇 Comment AT VALUE below for more details and to save your spot!

05/07/2026

☀️ Big news, and yes, it’s as good as this weather!

We’re bringing in Certified Appraiser Aaron Diffenderfer for an exclusive appraisal class, “Mastering Market Value,” and you are going to want a seat at this one!

Here’s what we’re covering:
📋 Must-know updates to appraisal guidelines
💰 Tips on properly pricing your listings
📈 And so much more!

Whether you’re brand new to the business or have been in the game for years, this class was made for YOU. The more you know, the more confidently you can serve your clients, and that’s always a win my friends!

📅 May 12th | 10:00 – 11:15 AM
📍 Gateway Real Estate Office

All are welcome. Come ready to have a great time!

👇 Comment AT VALUE below for more details and to save your spot!

04/23/2026

Huge shoutout to for collabing with me on this BEAUTIFUL Silent Auction basket for tonight’s 90’s Prom Gala!!!

If you haven’t yet experienced the warmth, friendly atmosphere and staff, and delicious smoothies, snacks, and sandwiches from Modern Hippie, you’re totally missing out! Focused on wellness and health-focused ingredients, each and every drink or dish I’ve had here is incredible!

Don’t be a square, and get your tickets! Still space available!