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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
4.97 out of 5.0 stars
5.0
4.93
5.0
Jamie
Jul 22, 2025
Salem, MO
Verified

I can alwasy trust Kelly, if she tells me a buyer is approved then I know they are approved!
Rolando
Jul 16, 2025
Waynesville, MO
Verified

Kelly always kept me on top of things. She explained complicated contract tes in a simple enough way for me to understand.
Dereck R
Jul 06, 2025
Verified

Works with you to get your loan and house. Very friendly and willing to work with you on any problems you have a long the way!
Ginger
Jul 04, 2025
Washington, MO
Verified

Kelly is always great to work with. She lets me know what is going on every step of the way and the client is always taken care of.
Jessica
Jul 22, 2025
Rosebud, MO
Verified

Our overall experience went okay using Kelly. I did think there was a lack of communication between my realtor and Kelly. I don't know if that could've been avoided, but it was very frustrating in the moment. There was also two separate occasions where I felt as if I wasn't being heard. I had questions and concerns and they were brushed off Or not answered. In the end everything worked out and we are thankful for Kelly's ability get us closed on our home quickly.
Jyoti
Jul 19, 2025
Rolla, MO
Verified

Kelly is very knowledgeable about her business. She has contacts to assist in any way help is needed. She explains things very throughly when you have a question. She gets back to you promptly when contacted. Her support staff is also top notch.

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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/);