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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.

Product Info

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Testimonials

Testimonials
4.97 out of 5.0 stars
5.0
4.93
5.0
Holly
Sep 06, 2025
Hallsville, MO
Verified

Kelly was fantastic at problem solving and being creative with our situation. I appreciated the time and effort. Kelly great at communication and keeping us informed ever step
Noah
Sep 06, 2025
Hallsville, MO
Verified

Great timeliness and communication. When I find someone to refer I most definitely will!
C
Sep 05, 2025
Verified

I’m so thankful For the service I received thank you so much everyone!!!
Crystal
Sep 03, 2025
Owensville, MO
Verified

Best supportive team advised me of every step and help me every way even to get into my home early
Lisa
Sep 05, 2025
Salem, MO
Verified

Kelly O'Connell is the best! She always treats my clients as if they are her only ones. You can tell she really cares about each person and her knowledge and expertise helps the home buying process go seamlessly. Thanks Kelly!
Debbie
Sep 05, 2025
Saint Clair, MO
Verified

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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/);