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Find the loan to fit your life

Select from hundreds of loan products tailored to your needs

About me

Holly Smith is a local girl—born in Corvallis—but lived for almost two decades in Bolivia and Peru.  This gave her cross-cultural experience and the ability to speak Spanish fluently.  

She has worked as a mortgage broker for the past 20 years. It gives her much pleasure to help her clients find the best loan options so that they can purchase their own home.  

When she is not working on her clients’ behalf, she enjoys being part of the Corvallis Rowing Club, pursuing more opportunities to travel internationally, watching soccer games, and spending time with her family. 

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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%.
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.
VA

VA

If you’re an active member of the military or a veteran, a VA loan can help you save money with no down payment and lower closing costs. VA loans also have lower interest rates, meaning you’ll save money over the life of your loan. A VA loan is a program created and guaranteed by the Department of Veterans Affairs (VA) specifically for eligible military veterans, service members and their spouses.

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

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Testimonials

Testimonials
4.95 out of 5.0 stars
5.0
4.95
Susan
Sep 03, 2024
Millersburg, OR
Verified

Lots of paper work and steps. Overall a good experience
Amanda
Aug 19, 2024
Sweet Home, OR
Verified

Holly was so fun to work with. She is knowledgeable and so easy to talk to. She is patient and takes the time to talk through all of the different scenarios and options with my clients. 10 stars from me!
James
Aug 19, 2024
Tillamook, OR
Verified

Holly Smith is the reason!
Brooke
Aug 19, 2024
Tillamook, OR
Verified

Holly was very knowledgeable and shared important details that put my client’s worries at ease.
Adam
Jul 29, 2024
Sweet Home, OR
Verified

Holly Smith was wonderful to work with!
Christie
Jul 29, 2024
Sweet Home, OR
Verified

Holly found the BEST financing option for my Buyer of (6+ years). He came into the market thinking he was a VA Buyer and come to find out, he was a better ODVA Buyer with Conventional terms! This client is one to fully investigate every avenue before making a decision and Holly was so helpful, patient, educational... everything he needed to get this transaction closed! Thank You Holly!

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NMLS ID #211163
I am authorized to do business in the state of Oregon. OR ML-176;