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Find the loan to fit your life

Select from hundreds of loan products tailored to your needs

Building trust, one borrower at a time.

Find out how we performed in the J.D. Power 2025 U.S. Mortgage Servicer Satisfaction Study.

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
Maricar
Sep 20, 2025
Corvallis, OR
Verified

Extremely knowledgeable and had top tier customer service.
Terri
Sep 17, 2025
Albany, OR
Verified

Holly Smith and her team were exceptionally helpful and knowledgeable throughout the entire process. They communicated constantly and informed us whenever we needed to know or do something. Holly locked us in at a great rate as soon as she could. I'm very happy with the experience I had with Guild.
Richard
Sep 17, 2025
Albany, OR
Verified

Holly and her team were excellent with explaining the process, what is needed and what to expect throughout the entire transaction. I would highly recommend her services to other potential clients.
Dave
Sep 17, 2025
Albany, OR
Verified

Holly did a great job. I was the listing agent, and felt like communication was consistent. Holly is always a pleasure to work with.
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.

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