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Building Wealth Through Home Ownership

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

I'm proud to call Bend, Oregon home, but I grew up just 20 miles down the road in the small town of Sisters. That small-town upbringing taught me the value of hard work, honesty, and treating folks like family-values I carry into every loan I help close.

I met my wife, Megan, while studying International Business and Operations Supply Chain Management at Gonzaga University. Today, we're raising our two boys, Parker and Hudson, and soaking up the best of Central Oregon-whether it's skiing in the winter, hunting in the fall, or heading to the lake in the summer.

Homeownership has always meant more to me than just having a roof over your head-it's about creating stability, building memories, and opening doors to new opportunities. I take pride in helping families and individuals find that same sense of security and possibility through owning a home. My goal is simple: make the process clear, smooth, and stress-free, so you can focus on building your future.

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Meet my team

I work closely with my team of specialists to get you the financing you need. See what each member brings to the team.

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%.
Down payment assistance

Down payment assistance

If you’re purchasing your first home, you have options to buy without saving a full down payment. Down payment assistance (DPA) programs can help with your down payment in the form of a loan or grant that is often forgiven over time.
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.

All loans are subject to underwriter approval; terms and conditions may apply. Subject to change without notice.

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Testimonials

Testimonials
4.98 out of 5.0 stars
4.96
5.0
Chad
Dec 10, 2024
Lakeview, OR
Verified

Brennan came very highly recommended and he did not disappoint. in fact, he far exceeded my expectations. We experienced exceptional service and genuine care throughout the posses, and he fought hard to see us all the way to the end.
Jim
Jun 11, 2024
Verified

Great work done with our Guild mortgages by Brennan Layne! We were able to sell one house and buy another basically all in one transaction. We've known Brennan for a number of years and consider him a good friend. He's stayed in touch the whole time and offered great advice when we got serious with a purchase. We strongly recommend Brennan to anyone looking for a great deal when mortgage shopping.
Suzanne C
Mar 26, 2024
Verified

I must give a shout-out to Brennan Layne, who made our home-buying experience a breeze. I am a Realtor. My husband and I were purchasing a home, and the interest rates were constantly changing. Brennan really went to bat for us to lock in the best rate and keep it there even with the builder's delays in closing. Brennan worked with everyone involved in the process to make sure everything went smoothly. What stood out was how much he cared, listened, and supported us every step of the way. If you need someone who will work hard for you, Brenann is the person you want! Thank you so much for everything! Suzanne and Chris
Richard
Sep 17, 2025
Redmond, OR
Verified

First time home buyer " we did not know what to expect? We had our loan officers team all along the way to help us in every need.
Lisa
Sep 17, 2025
Redmond, OR
Verified

All the people we worked with were so kind and uplifting. I felt like they were cheering us on to the finish line. It went really quickly and smoothly. I rate Brennan and his team as 10/10. I would recommend them to anyone who wants a great experience.
Debbi M
Sep 10, 2025
Verified

Brennan was a delight to work with. He listened to our needs. Responded promptly. Kept us updated and informed of next steps. He even attended our signing appointment.

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Awards

Causes & Memberships

member of Guild Giving
NMLS ID #1848580
I am authorized to do business in the state of Oregon. OR ML-176;