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Your Dream Home Starts with the Right Mortgage

Friendly guidance and real support - every step of the way

About me

I began my career in the mortgage industry in 2009 and have proudly called Spokane/Cheney home since 2008. Born in Oregon and raised in Montana, I'm a Northwest girl through and through-with a deep appreciation for the people and communities that make this region special.

With years of experience and strong local roots, I bring both professional expertise and regional insight to every client I serve. Whether you're buying your first home or expanding your investment portfolio, I'm here to make the loan process smooth, clear, and stress-free.

Known for my friendly, down-to-earth approach, I take the time to understand your goals and guide you through each step with honest advice and personalized support. My in-depth knowledge of loan programs, budgeting options, and market trends means you'll always have a trusted expert in your corner.

I believe in transparent communication, exceptional service, and building lasting relationships that extend long after the closing day.

When I'm not working with clients, I love exploring, attending local events, and spending time with my family. Being part of the Spokane and surrounding communities means a lot to me, and I stay active and informed so I can offer advice that's not just smart, but rooted in what matters most to our local families and neighborhoods.

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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.

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
4.97 out of 5.0 stars
5.0
4.88
5.0
Brent D
Jun 06, 2025
Verified

Brenda was so Great. She listened to us and knew what we really wanted and needed. She walked us through everything and made it as easy as possible.
Terry W
Jun 06, 2025
Verified

Brenda has many talents. Product knowledge to be sure you get the product best suited for your situation . Empathy for her clients and the ability to suggest the loan program best suited for their situation. Knowledge of interest rates, buy down opportunities, credit analysis and repair if needed. She’s in tune to the mortgage market and probable moves of the central bank regarding interest. She has the backing of a well known lender offering mortgage loan products for a wide variety of customers and common sense underwriting policies. Choose Brenda!
Detta B
Jun 05, 2025
Verified

Brenda is very knowledgeable, hard working, great communication, believes in helping people achieve their goals. You can trust what she says and does!
Michelle L
Jun 05, 2025
Verified

Brenda is absolutely amazing! So thorough and thoughtful! She knows her stuff! If you’re a first time homebuyer you definitely want her on your side! Thanks for always being amazing Brenda!
Corrina W
Jun 05, 2025
Verified

Thirteen years ago we found a house for sale , Brenda Holt and her team at Guild Mortgage made it a smooth transition to purchase our home . Thank you so much !
Alrxander S
Jun 05, 2025
Verified

Great loan officer knows all the laws and can help you through the process faster than anyone definitely would recommend. Thanks Brenda keep up the good work.

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Awards

Causes & Memberships

member of Guild Giving
NMLS ID #330330
I am authorized to do business in the states of Idaho and Washington.