"I had a very good experience as a first time home buyer. Everyone was super helpful, knowledgeable and responsive. 
They really made sure that I understood the process and were always there for me."
Karen C.
"They are helpful and informative, everything was explained in detail and no one was bothered if I asked the same questions more than once. 
They provide reasonable interest rates and would be with you during the whole process."
Ekansh R.
"DML is a great lender who will provide you personal service throughout the entire mortgage process. 
Every person involved in the loan process is easy to get ahold of and answer any question that you have."
Karla W.

Andrew Payne – Branch Manager
NMLS #2046562 Licensed in OH, and TN.

When it comes to purchasing a home it can be the most meaningful and biggest purchase decision you will ever make in your lifetime. You should want to work with someone you can trust and communicate effectively with. I personally have the time and ability to communicate and adapt to realtor, buyers, and borrowers demands and needs. When you work with me you’re working with someone who is going to take the time to explain everything, follow up with you and not just disregard your concerns and close your loan as soon as possible.

I grew up in central Ohio and attended Ohio University where I was a member of the football team. Being a college athlete developed a character that enables me to associate with all people and help them thrive.

Quote to Live By: “Can’t we all just get along?”

Ready to get started?

Don’t start the home buying process at an open house. Your first step should be a mortgage pre-approval. By talking with your loan officer, you can determine if you qualify for a loan and how much you can borrow. A pre-approval gives you a leg up when it comes to a competitive and quick moving real estate market – some sellers and agents won’t accept your offer without it!

Download our new app or apply now to get the process started!



When you work with Direct Mortgage Loans, you’ll receive prompt, personal service that enhances your home buying experience. We provide real-time updates that allow us to keep you updated every step of the way. The entire loan process, from application to closing is managed in-house – this results in a shorter loan process. Every employee of our company has direct access to all processors and underwriters. We have built a business that is recognized for integrity, excellent service and efficient processes.


All the tools you need in one app! Calculate your mortgage options, scan encrypted paperwork from you app, message your loan officer and more.



Are you ready to begin the home search? The first step is to get pre-approved. Our online application is simple, fast and provides us with the information to begin the process.