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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
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!
Michael
Apr 28, 2025
Lebanon, OR
Verified

Holly was a delight to work with. Pleasant, friendly and helpful. Always responded promptly to inquiries via phone or email.
Joshua
Apr 21, 2025
Albany, OR
Verified

Holly was very helpful in the process and made sure to provide as much guidance along the way that she could. She helped move this along and make it an easy effort.
Colene
Apr 28, 2025
Lebanon, OR
Verified

Just the obvious Knowlwdge and experience, which made the transaction move forward as promised!

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