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Bret Holmes

Loan Officer

32785 State Route 20, Suites 5 & 6, Oak Harbor, WA 98277
Own what matters
Ranked #1 in Customer Satisfaction with Primary Mortgage Origination
— J.D. Power

About Me

Bret is a Mortgage Consultant with Guild Mortgage Company and is also a 3rd generation Whidbey Island resident. He has been employed in the finance industry for over eighteen years beginning as an equities trader in 1997 in the Los Angeles area. He has 10 years’ experience as a loan officer in California, Arizona, and now Washington. After graduating from Arcadia High School in Scottsdale, Arizona he went on to study finance at Arizona State University before starting in the work force in 1995.

Bret finds the mortgage business challenging, but also very rewarding. He enjoys helping borrowers obtain the right loan the first time around and specializes in working with first time home buyers. While his main focus is on purchase transactions; Bret also helps clients with refinancing their mortgage to renovate their home, pay off debts, or just to lower their interest rate and payment.

Today he continues to provide his borrowers with his honest answers to their questions and always takes pride in giving the most professional customer service.

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The perfect home loan for you

We offer hundreds of loan products for a wide variety of borrowers, including first-time homebuyers, military families and rural residents. We also offer many state, county, and city housing programs that provide down payment assistance. At Guild, we’ll work hard to deliver what matters most to you and find the loan that fits your life.

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NMLS ID #262375
I am authorized to do business in the state of Washington.