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Jess Defrees

Jess Defrees

Loan Officer

300 N. Water St., Silverton, OR 97381
Own what matters
Own what matters

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
4.93 out of 5.0 stars
5.0
5.0
Stephanie S
Dec 07, 2023
Verified

We feel incredibly lucky to have had Jess from Guild Mortgage by our side when purchasing our home. He was consistently and quickly available whenever we had a question or concern, and always took the time to walk us through options and give detailed explanations to our questions. We were never kept in the dark on where in the process our home loan was at, and Jess kept everything running smoothly! So grateful for him and his team.
Linda
Nov 13, 2023
Verified

We all worked together to get this completed
Tiffany
Nov 06, 2023
Verified

The whole process was great.
Leigh G
Oct 23, 2023
Verified

I found Jess to be responsive and proactive, which is greatly appreciated. He delivered a smooth, on-time closing for my seller.
Leigh
Oct 23, 2023
Verified

Jess is responsive and also proactive, which is greatly appreciated. He was able to pivot quickly when the loan program changed for his client and did ensure a smooth, on-time closing.
Yolanda
Oct 09, 2023
Verified

Breakdown in communication over close dates.

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NMLS ID #1152661
I am authorized to do business in the states of California, Idaho, Oregon, Texas and Washington. Licensed by the Department of Financial Protection and Innovation under the California Residential Mortgage Lending Act; OR ML-176;