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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
4.99 out of 5.0 stars
5.0
4.96
5.0
Babette
May 05, 2025
Salem, MO
Verified

We have worked with Kelley O'Connell for many years and she always is on top of things and communicating updates. We call her the miracle worker as she will jump through hoops for our clients and guide them through to closing. She's a great person and lender. Love working with her.
Kaleena
Apr 21, 2025
Saint James, MO
Verified

Kelly was very helpful throughout the whole process!
Cheryl
Apr 21, 2025
Saint James, MO
Verified

Closed on time with no problems
Suzanne H
Apr 15, 2025
Verified

I got a good rate in a tough market. I love that they are local and service a vast majority of loans themselves. Kelly is very upfront and clearly passionate about her profession!
Sarah
Apr 14, 2025
Nixa, MO
Verified

All went smoothly with transaction
Brianna
Apr 14, 2025
Saint Peters, MO
Verified

everyone I came in contact with was kind and open to answering any questions or concerns

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Awards

Causes & Memberships

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