Contact Me
hero image
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. 

Read Blog

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.

homebot-logo

home equity insights

For illustrative purposes only. Guild Mortgage is not affiliated with Homebot. Clicking the above links redirects to Homebot controlled sites.

X
X

Testimonials

Testimonials
4.95 out of 5.0 stars
5.0
4.95
5.0
Heather
May 12, 2025
Sweet Home, OR
Verified

Holly was always available to answer questions. Holly had a lot of patience while helping me through the loan process and all of its details Thank you!
Tim M
May 09, 2025
Verified

Holly was great to work with, and provided an exceptional service. She's professional, knowledgeable, and a great person to work with. Her communication and guidance throughout the loan process made our experience easy and enjoyable. We would highly recommend anyone looking into a home purchase to give Holly a call. She always seemed to have our best interest at heart and provided a 5star service.
Tim
May 09, 2025
Verified

Holly was so great to work with, and she provided an exceptional service. We are so grateful for the recommendation to call her. She's professional, knowledgeable, and just a great person to work with. She seemed to always have our best interest at the forefront of her service. She found us a VA loan option that not all brokers were aware of, and really made the loan process easy and enjoyable. Her communication and guidance was 5star. We would recommend Holly to anyone seeking guidance with a mortgage loan, and someone we will call for any future mortgage loan services. She is truly the best of the best!!!
Houston
May 05, 2025
Lebanon, OR
Verified

Thank you for all the helpA!
Angela
May 05, 2025
Lebanon, OR
Verified

Holly was an absolute pleasure to have on the lending side of this transaction. She has excellent communcation and was quick to respond through out the process.
Amy P
Apr 30, 2025
Verified

Holly is dependable and very knowledgeable. She truly know the ins and outs of the mortgage world and is always up to date on current rates and lending options. What really sets Holly apart is how responsive and trustworthy she is— you never feel like just another client. Whether you’re a first-time homebuyer or refinancing, this is the kind of professional you want in your corner. Highly recommended!

Video gallery

View More

Awards

Causes & Memberships

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