Contact Me
hero image
Find the loan to fit your life

Select from hundreds of loan products tailored to your needs

About me

As a mortgage loan officer in Vancouver, WA, I have been dedicated to the financial industry since 2011. My passion for helping people achieve their financial goals and my commitment to excellence led me to pursue a career in the mortgage industry after proudly serving in the United States Army. I specialize in VA loans, ensuring that veterans and active-duty service members receive the best possible mortgage solutions. Additionally, I have extensive experience assisting first-time homebuyers navigate the complexities of purchasing their first home, and I offer expert guidance on refinance options to help clients optimize their financial situations. 

Being a father and veteran, I bring a unique perspective to my role as a mortgage loan officer. I understand the importance of financial stability and security, and I am committed to helping my clients achieve their dreams of homeownership. My dedication goes beyond the transactional aspects of my work; I take the time to truly understand my clients’ individual needs and goals, providing personalized solutions to meet them. 

With years of experience as a mortgage loan officer in Washington and Oregon, combined with my passion for helping others and my unique perspective as a father and veteran, I am an asset to my clients. When I’m not assisting clients with their mortgage lending needs, you’ll find me spending time with family, going to the gym, or enjoying a good book or podcast. 

Read Blog

Let’s find the right home loan for you

We have loan options to fit every situation, from down payment assistance programs for first-time homebuyers to government-sponsored programs for military families and rural residents or jumbo loans in high-cost markets.

Conventional

Conventional

A Conventional loan is a great option if you have an average to high credit score and little debt. This allows you to take advantage of lower interest rates. With these types of loans, you have the option to put 20% down, which eliminates the need for private mortgage insurance (PMI) and saves you money. If you don’t have a large down payment saved up though, don’t worry. We have Conventional loan options for down payments as low as 3%.
FHA

FHA

If you’re looking to buy on a tight budget, these loans are a great option. It’s easier to qualify for FHA loans because they carry lower credit score requirements and lower down payment options starting at 3.5% down. They’re also insured by the Federal Housing Administration (FHA) and only issued by FHA-approved lenders.
VA

VA

If you’re an active member of the military or a veteran, a VA loan can help you save money with no down payment and lower closing costs. VA loans also have lower interest rates, meaning you’ll save money over the life of your loan. A VA loan is a program created and guaranteed by the Department of Veterans Affairs (VA) specifically for eligible military veterans, service members and their spouses.

All loans are subject to underwriter approval; terms and conditions may apply. Subject to change without notice.

homebot-logo

home equity insights

For illustrative purposes only. Guild Mortgage is not affiliated with Homebot. Clicking the above links redirects to Homebot controlled sites.

X
X

Testimonials

Testimonials
5.0 out of 5.0 stars
5.0
5.0
5.0
Yassi M
Nov 14, 2024
Verified

I am happy to have worked with Chris and his team. They are very knowledgeable, thorough and available to answer any questions and concerns you may have. If I should need another loan in the future , it will definitely be Chris and his team I’ll turn to. I know I’ll be in great hands with them and have nothing to worry about. Above and beyond customer service! Thank you!
Yasmin
Nov 14, 2024
Verified

Chris and his team have been nothing but outstanding in helping me succeed with my first house purchase. Whenever I had questions or concerns Chris was available to help me and explain things to me. If you’re looking for an efficient, hardworking, professional person to help you with your loan, I highly recommend Chris Cayo. Without a question you will be in great hands.
Yasmin
Nov 14, 2024
Verified

Chris has been seriously the best loan officer one can hope for. Quick and efficient to respond to any questions I had but also always doing his utmost best to get you any savings when possible. If you’re looking for proficiency and reliability , I highly recommend Chris with Guild Mortgage.
Patrick M
Nov 10, 2024
Verified

Chris and his team are the best ever. Easy to work and stayed in constant contact. I do not think I could have ever had an easier or better experience in buying a home. World class.
Patrick M
Nov 10, 2024
Verified

Chris and his team are the best ever. Easy to work and stayed in constant contact. I do not think I could have ever had an easier or better experience in buying a home. World class.
Marie L
Nov 07, 2024
Verified

Chris and his team made our loan process a breeze for the purchase of our new home. Formally being in the industry, I can assure you they are extremely knowledgeable with all the ins and outs of the industry and the entire loan process. The communication throughout the process was top notch. I especially appreciated the update emails that let us know where we were at in our loan process. First time buyers, repeat clients or a pro in the industry they are the ones to assist with your mortgage needs. Highly recommend!!

Video gallery

View More

Awards

Causes I'm
passionate about

member of Guild Giving
NMLS ID #854164
I am authorized to do business in the states of Oregon and Washington. OR ML-176;