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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
LeeAnne C
Sep 04, 2025
Verified

It was an excellent process thanks to Holly Smith.
Lee-Anne
Aug 30, 2025
Albany, OR
Verified

Holly Smith was outstanding. She answered all my questions promptly and helped guide me through the process in a quick and efficient manner. She made the process go so smooth. I can't thank her enough.
Samantha
Aug 21, 2025
Albany, OR
Verified

Holly always does a grest job for us!
Rheola
Aug 16, 2025
Albany, OR
Verified

Holly was wonderful to work with. Great communication and friendly.
Eino
Aug 16, 2025
Albany, OR
Verified

Holly was more than great anytime there was a problem with getting information she was more than helpful helping me try to get it when I wasn't sure what the information was she's very helpful on explaining what I needed to get and she was patient I'm not sure that I was being patient that she was super helpful
Heidi
Aug 13, 2025
Philomath, OR
Verified

Professional, quick to reply, quick to close!

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