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About me

Kelly O’Connell has over 22 years of experience in originating residential and agricultural loans, and is currently Nationally Licensed as well as state licensed in Missouri and Illinois.  

Kelly values each client’s needs and strives to provide them with a seamless transaction, with uncompromising service. She believes that education is power. For Kelly, it is so rewarding to help educate a client on one of the biggest investments of their lives. She prides herself on not keeping the typical business hours: she is available in the evenings and on the weekends to assist her clients.  

Kelly has extensive product knowledge and experience in purchases as well as refinances. These loan types include Conventional, FHA, VA, & USDA loans. She has assisted many clients with getting their first home by utilizing the USDA Rural Development Loan. This program is a wonderful option that allows a buyer to purchase a home with no money down. Kelly has also assisted many clients with saving hundreds of thousands of dollars by refinancing into a low interest rate.  

Kelly is a native of Washington, Missouri and the Franklin County area. However, her services extend to all counties of Missouri and Illinois. She has built her business on referrals from past clients, friends, and family. Kelly has also striven to create and maintain new relationships with business referral partners in and around her community.  

Guild Mortgage Company has a strong product choice, great strength in technology, stability in the marketplace, and uncompromising service from a dedicated support staff. In Kelly’s words, “I am VERY PROUD to be a part of this team! Whether you are purchasing or refinancing, it is my goal to provide you with the knowledge you need to make the best choice for you. I will be here to guide you through the process with the best level of service and personal care I can offer. I will be happy to assist you in every way possible. Call, text or email me today!”  

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Meet my team

I work closely with my team of specialists to get you the financing you need. See what each member brings to the team.

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.

Product Info

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Testimonials

Testimonials
4.97 out of 5.0 stars
5.0
4.93
5.0
Lori
Aug 12, 2025
Sullivan, MO
Verified

Quick and smooth transaction .. what more can a Selling agent ask for.. thank you Kelly
Becky
Aug 02, 2025
Union, MO
Verified

Kelly was great to work with. We had a very short timeline to get to closing and encountered a couple of hurdles along the way, but Kelly handled them like a champ!
Mark
Aug 02, 2025
Salem, MO
Verified

Kelly worked hard to help us out
William
Aug 02, 2025
Cuba, MO
Verified

All of my questions were answered in a timely manner and I was shown lots of care and consideration being this is my first time using them.
Babette
Aug 02, 2025
Salem, MO
Verified

Kelly is ALWAYS upbeat, positive (even when things are chaotic) and just wonderful to work with.
Missy
Jul 29, 2025
Bourbon, MO
Verified

Kelly was a pleasure to work with. She communicated with not only myself but her clients throughout the entire process. She went above and beyond to make sure our clients were able to by their dream home.

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Awards

Scotsman Guide Award Scotsman Guide Award

Causes & Memberships

NMLS ID #279880
I am authorized to do business in the states of Illinois and Missouri. (www.nmlsconsumeraccess.org/);