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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
5.0
Katy
Mar 03, 2025
Albany, OR
Verified

Great communication and always available
Skyler
Mar 03, 2025
Canby, OR
Verified

Holly is a true professional. She helped make the transaction smooth and stress free. She communicated very well and because of this the transaction was a breeze. would love to work another deal with Holly in the future!
TRAVIS J
Mar 04, 2025
Verified

Holly Smith was utmost professional from the very beginning. Very attentive to my family's needs and wants and strived through excellence to making our experience of buying our first home most memorable.
Travis
Mar 03, 2025
Albany, OR
Verified

Holly was very attentive to my family's needs from the very beginning. She helped guide us through this stressful process of buying our first home and was there with us every step of the way and continues to be even after the process has been completed. Thank you Holly and guild mortgage for our wonderful experience in buying our first home. We greatly appreciate everything that you've done for us can continue to do.
Brenda
Feb 03, 2025
Lebanon, OR
Verified

Holly has been quick to respond every time I have contacted. I appreciate the ongoing support and personable experienc.
Amy
Jan 21, 2025
Albany, OR
Verified

I like working with Holly. She knows her stuff, and I know I can trust what she says and her process.

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