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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
4.94
5.0
Heidi
Aug 13, 2025
Philomath, OR
Verified

Professional, quick to reply, quick to close!
Kyle
Jul 28, 2025
Corvallis, OR
Verified

Holly was great to work with! Communicates well and reply's fast! Answered all our questions, explained everything along the way And got it done fast! She is awesome at her job and we dont plan on using anyone else! Thank you
Christine
Jul 29, 2025
Salem, OR
Verified

Holly is exceptional at communicating and keeping things on track and organized. She has been our loan officer before and I wouldn't have it any other way. In addition to her great service, she recommended us to Shane, in insurance, who was also amazing. The customer service was top notch.
Duane M
Jun 12, 2025
Verified

As first time homebuyers, the team at Guild Mortgage (Holly & Thomas) provided a painless experience from being renters to owning our own home. Even better, Guild was able to close on our mortgage in less than 30 days! We couldn't be happier that we chose Guild, and will be telling all of our friends about them when they are in the market to buy a new home.
Samantha A
Jun 04, 2025
Verified

As always Holly is great, she takes care of the clients very well. She makes sure they understand what is needed and processes the loan, anticipating any hurdles and questions that may come up. 20 years and still doing a great job for my clients

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