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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.

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Testimonials

Testimonials
4.98 out of 5.0 stars
5.0
4.93
5.0
Taylor
Jan 13, 2025
Sullivan, MO
Verified

Kelly is a rockstar! Her and her team are great at brainstorming and getting their loans to close!
Kenshay
Jan 13, 2025
Rolla, MO
Verified

Kelly is simply the best!
Leia
Jan 06, 2025
Houston, MO
Verified

It was great working with a loan officer who was prompt and transparent during the whole transaction.
Stephanie R
Dec 20, 2024
Verified

This was the first I've used a mortgage company and Kelly made the whole process incredibly easy. Whenever I had questions, she was right there to answer them.
Anthony K
Dec 17, 2024
Verified

Kelly made our dream of owning a home a reality. We are so gratefull.
Anthony
Dec 16, 2024
Union, MO
Verified

As a first time home buyer I did not know what to expect. Kelly helped us through the entire process. She was patient even when I am sure we were being a little extra. I will be recommending Kelly to anyone who needs a mortgage.

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