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Highlands Residential Mortgage
Meet Your Loan Officer

Clay Payne

Loan Officer
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NMLS# 2483798
Licensed for: TN-2483798
Get Started with Clay
contact
Knoxville
2322 W Emory Road
Powell, TN, 37849
O: 865-800-6454 | C: 865-406-1321

About Highlands Residential Mortgage

Your Family. Your Future. Our Focus.

Highlands Residential Mortgage was created in 2010 in the midst of uncertainty and rapid change in the mortgage industry. A group of like-minded seasoned veterans came together to create a company with an employee-focused culture. A culture that values its members both personally and professionally and a company built on the idea that the customer comes first! We believe Highlands Residential Mortgage is such a place. Our Mission to value people drives everything we do.

Meet Clay

My Story

Our team is dedicated to providing the best mortgage experience possible. We do that by offering easy-to-use mortgage tools (including our handy mobile app), competitive rates, and assistance from an experienced loan officer. Our loan officers understand the local markets, have access to a wide variety of loan programs, and are ready to guide you through the process!

My Specialties

Areas of Expertise

  • First-Time Homebuyers
  • Investment Properties
  • Conventional Loans
  • FHA Loans
  • VA Loans
  • Purchase
  • Rate-Term Refinance
  • Cash-Out Refinance
  • Second-Homes
  • Renovation Loans

Have Questions?

The Highlands Digital Mortgage Experience

The Highlands Residential Mortgage app makes it easy to plan, manage, and learn more about your personal loan process.

Customer Reviews

Our Resources

Welcoming Daniel McCoy and the McCoy Mortgage Team to Highlands…

Highlands Residential Mortgage is thrilled to announce a major addition to our team! Daniel McCoy an...

Highlands Residential Mortgage Welcomes Laney Briggs as VP Regional Manager…

We are thrilled to announce that Laney Briggs has joined Highlands Residential Mortgage as VP Region...

It’s not just about buying a house, it’s about creating…

At Highlands Residential Mortgage, we’re committed to treating every client with the care and resp...