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Find the loan to fit your life

Select from hundreds of loan products tailored to your needs

About me

As a Guild Mortgage Loan Officer, I am committed to helping my clients understand their options for real estate financing and assisting them to make solid home loan decisions that meet their needs. My "Find a Loan" section of this website can be used to find information and resources on our home loan options. I look forward to serving your home financing needs for many years. My goal is to be your "lender for life".

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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.

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Testimonials

Testimonials
4.82 out of 5.0 stars
4.74
4.84
5.0
Michael
Jul 01, 2025
Lebanon, OR
Verified

Tom Kosta was marvelous throughout the home loan and purchasing experience. He was readily available outside of normal banking hours. We would frequently contact him with questions or requests on weekends and evenings. We never got the impression that we were bothering him. Tom would respond quickly and answered all our questions. He was incredibly patient through the process as it took us about a year and seven submitted offers before we were able to close on our hopefully forever home. He shared with us lots of encouragment and advice from his years of experience. If we have to purchase another home in the future, we would definitely choose to work with Tom again.
Clara
Jul 01, 2025
Lebanon, OR
Verified

Tom was very knowledgeable and was always available answer any questions that we had. He helped make buying a house a smooth process
Dana
Jul 01, 2025
Monroe, OR
Verified

Thomas Kosta was very friendly. He always answered my questions right away and took the time to explain things to me. If he didn't know the answer to the question, he would quickly find an answer! Thank you, Guild! And above all, thank you, Thomas for making this process as smooth as possible and making me feel like I mattered!
Trevor
May 05, 2025
Alsea, OR
Verified

super helpfull and Made sure I was taken care of
Marc
Feb 24, 2025
Albany, OR
Verified

Tom was great to work with and went out of his way to take care of our mutual client, thanks Tom!
Joel
Feb 18, 2025
Corvallis, OR
Verified

Tom communicated well with all parties

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Awards

Scotsman Guide Award

Causes & Memberships

member of Guild Giving
NMLS ID #291552
I am authorized to do business in the states of California and Oregon. Licensed by the Department of Financial Protection and Innovation under the California Residential Mortgage Lending Act; OR ML-176;