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Select from hundreds of loan products tailored to your needs

Holly Smith – Guild Mortgage Lender

Holly Smith

Loan Officer

317 1st Ave NW, Suite 303, Albany, OR 97321
Directions
Phone:
(541) 740-3777
Mobile:
(541) 740-3777
Fax:
(541) 241-6883
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Own what matters
Own what matters

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.

Testimonials

Testimonials
The rating and reviews below represent my top reviews. Read all customer reviews here.
4.96 out of 5.0 stars
5.0
4.96
Bethany
Jul 08, 2024
Verified

Holly made this whole process smooth and painless. She took the time to walk me through every step which I really appreciate
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Judith
Jul 22, 2024
Verified

We got help and answers every step of the way, through a challenging experience.
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Bridget
Jul 08, 2024
Verified

Great experience . Highly recommend
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Michelle
Jul 08, 2024
Verified

Holly! She was so helpful.
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Samantha
Jul 08, 2024
Verified

Holly is always on top of her filed and I never have to worry about her end.
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Gregory W
Feb 29, 2024
Verified

Smooth transaction and great with new construction!
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Awards

awards

Causes I'm
passionate about

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