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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
4.97
5.0
Austin
Feb 18, 2025
Rolla, MO
Verified

Kelly was awesome! she answered any questions I had and was very thorough with the paperwork. Best experience we have ever had with a lender.
Cynthia
Feb 10, 2025
Waynesville, MO
Verified

I always feel confident about an offer when your pre-approval letter accompanies it. I can confidently tell my Sellers that we will be working with a loan officer who will jump through all of the hoops to make it happen!
Brent
Feb 10, 2025
Waynesville, MO
Verified

Working with Kelly was painless and she really walked us through the process
Lisa C
Feb 13, 2025
Verified

My GREAT experience all centers around Kelly. I couldn't have asked for someone more helpful to go through the loan experience with.
Gina
Feb 10, 2025
Union, MO
Verified

I've been working with Kelly for several years, she does a great job assistaning my clients with the loan process and have the ability to purchase a new home. Thanks Gina at RealtyNET Service Realtors
Timothy
Feb 03, 2025
Salem, MO
Verified

This is my first house I was very nervous, and Kelly went through it step by step and took away a lot of

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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/);