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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
4.81 out of 5.0 stars
4.74
4.81
5.0
Nicole
Feb 18, 2025
Corvallis, OR
Verified

Tom was very patient and flexibile with our changing needs through our year-long search for a home. The offer to re-amortize at no cost with the proceeds of the sale of our home was a huge perk, as we were able to make an offer that was not contingent on the sale of our home.
Robert
Dec 23, 2024
Salem, OR
Verified

We're happy to be repeat customers of Corvallis Guild Mortgage and Tom Kosta. Tom's been great to work with and has guided us through the process. Would certainly recommend.
Rachel
Dec 23, 2024
Salem, OR
Verified

I kept avoiding signing paperwork out of some version of low grade anxiety avoidance. Tom and his staff gently guided me without judgement or irritation.
Jeffery
Dec 23, 2024
Salem, OR
Verified

Communication from lender.
Jennifer
Oct 21, 2024
Corvallis, OR
Verified

Tom Kosta was incredibly helpful and attentive throughout my home buying process. He caught a mistake that came up from an appraiser which would've cost me thousands of dollars (if not the house I was buying itself). I'm incredibly grateful and would recommend his services to anyone.
Victor
Dec 10, 2024
Jefferson, OR
Verified

Challenging transaction the closed well!

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Awards

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;