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Kelly O'Connell

Kelly O'Connell

Senior Loan Officer/Branch Manager

1001 Jefferson St., Washington, MO 63090
Own what matters
Own what matters

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.

Conventional

Conventional

A Conventional loan is a great option if you have an average to high credit score and little debt. This allows you to take advantage of lower interest rates. With these types of loans, you have the option to put 20% down, which eliminates the need for private mortgage insurance (PMI) and saves you money. If you don’t have a large down payment saved up though, don’t worry. We have Conventional loan options for down payments as low as 3%.
Down payment assistance

Down payment assistance

If you’re purchasing your first home, you have options to buy without saving a full down payment. Down payment assistance (DPA) programs can help with your down payment in the form of a loan or grant that is often forgiven over time.
FHA

FHA

If you’re looking to buy on a tight budget, these loans are a great option. It’s easier to qualify for FHA loans because they carry lower credit score requirements and lower down payment options starting at 3.5% down. They’re also insured by the Federal Housing Administration (FHA) and only issued by FHA-approved lenders.

All loans are subject to underwriter approval; terms and conditions may apply. Subject to change without notice.

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Testimonials

Testimonials
5.0 out of 5.0 stars
5.0
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Lisa
Oct 02, 2023
Verified

I have never met a loan officer like Kelly! One that is available whenever she is needed, evenings and weekends included!! Tgat us vital because that is when real estate happens! Thank you, Kelly, for being there and for treating my people like people and not just a number! You are my go to banker for these reasons!
Mandy
Oct 02, 2023
Verified

Kelly is phenomenal to work with! Working with Kelly these past few years has been nothing short of amazing! She is extremely knowledgably about what her and her company offer. I have worked MANY of transactions with Kelly and will continue in the future!
Shirley
Sep 18, 2023
Verified

It was a seamless process,as usual you made it so.
Katherine
Sep 18, 2023
Verified

Kelly was very friendly to speak with on the phone, and she was very enthusiastic about her clients and I could tell she was wanted the best outcome for them.
Jennifer
Sep 11, 2023
Verified

Kelly was very knowledgeable and proactive when we had some complications on our deal. Communication was excellent and I appreciated her direct involvement throughout the process.
Jannel
Sep 11, 2023
Verified

Kelly is always so great to work with! She communicates well keeping me as an agent in the loop :)

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