Select from hundreds of loan products tailored to your needs
Chris Cayo
Senior Loan Officer
NMLS# 854164
About me
As a mortgage loan officer in Vancouver, WA, I have been dedicated to the financial industry since 2011. My passion for helping people achieve their financial goals and my commitment to excellence led me to pursue a career in the mortgage industry after proudly serving in the United States Army. I specialize in VA loans, ensuring that veterans and active-duty service members receive the best possible mortgage solutions. Additionally, I have extensive experience assisting first-time homebuyers navigate the complexities of purchasing their first home, and I offer expert guidance on refinance options to help clients optimize their financial situations.
Being a father and veteran, I bring a unique perspective to my role as a mortgage loan officer. I understand the importance of financial stability and security, and I am committed to helping my clients achieve their dreams of homeownership. My dedication goes beyond the transactional aspects of my work; I take the time to truly understand my clients’ individual needs and goals, providing personalized solutions to meet them.
With years of experience as a mortgage loan officer in Washington and Oregon, combined with my passion for helping others and my unique perspective as a father and veteran, I am an asset to my clients. When I’m not assisting clients with their mortgage lending needs, you’ll find me spending time with family, going to the gym, or enjoying a good book or podcast.
Read Blog
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
FHA
VA
All loans are subject to underwriter approval; terms and conditions may apply. Subject to change without notice.
home equity insights
For illustrative purposes only. Guild Mortgage is not affiliated with Homebot. Clicking the above links redirects to Homebot controlled sites.
Testimonials
Chris was awesome to work with! He was responsive and knowledgable. He helped my first time home buyers with every step and we closed right on time!
If you’re looking for a lender who truly cares and gets the job done, look no further than Chris and his team. They are absolutely phenomenal! My husband and I had spoken to several lenders before finding Chris, and we kept hearing "no" or getting hit with unrealistic down payment expectations that just weren’t feasible for us. We were feeling defeated... until a friend referred us to Chris. Calling him was hands-down the best decision we made in this entire home-buying journey. From the very first phone call, Chris’s energy and confidence stood out. He said, “I GOT YOU,” and he meant it! He helped us come up with a realistic, achievable plan and less than two months later, we were signing our agreement and officially became homeowners! As first-time buyers, we had a ton of questions (some of them more than once!), but Chris was always right there, ready to answer with patience, clarity, and encouragement. His dedication and responsiveness made the entire process smooth and stress-free. Chris doesn’t just say he treats his clients like family he lives it. If you want someone who will go above and beyond, advocate for you, and actually make the impossible feel possible, Chris is your guy. I truly cannot recommend him enough!
Lets be honest, when is purchasing a home not a roller coaster of emotions? Chris was wonderful to work with and saved us SO much money in so many dif ways! Right off the bat impressed us with his lender rate buydown offer of 1% which saved us over $4k! He also strategically timed the market, floating our rate then locking it in at the right time to save us almost $6k! Thirdly, saved us $1,620 through their Payment Protection program, which includes a rate-and-term refinance within the next 12 months. On top of all that, Chris saved us $80 by using one of his recommended insurance brokers for our HOI. Altogether, just shy of $12k in savings!! Looking forward to possible more saving when we refinance in the next 12months! I am SO THANKFUL and appreciate all Chris and his team has been able to offer us and walk us through this process!
Lets be honest, when is purchasing a home not a roller coaster of emotions? Chris was wonderful to work with and saved us SO much money in so many dif ways! Right off the bat impressed us with his lender rate buydown offer of 1% which saved us over $4k! He also strategically timed the market, floating our rate then locking it in at the right time to save us almost $6k! Thirdly, saved us $1,620 through their Payment Protection program, which includes a rate-and-term refinance within the next 12 months. On top of all that, Chris saved us $80 by using one of his recommended insurance brokers for our HOI. Altogether, just shy of $12k in savings!! Looking forward to possible more saving when we refinance in the next 12months! I am SO THANKFUL and appreciate all Chris and his team has been able to offer us and walk us through this process!
Chris was awesome. We had a bit of a unique situation with getting into a new home. He was very proactive with every step of our loan to make sure we were able to overcome hurdles very easily and were ahead of the game in many situations. Even when we encountered unforeseen things he talked us through them and did everything he could to make things easier for us. He definitely went above and beyond to get us through this process and I was extremely grateful for everything he did for us. I am hoping not to have to go through the home buying process again anytime soon but I would go through Chris again because of how great he was with me this time.
Chris was extremely proactive in helping through the loan process. Even when things seemed to be a struggle he kept things moving forward and did everything he could to keep things on track and help us with getting into our new home.
Before you go
You're about to leave guildmortgage.com and enter an external website.
Please note that Guild Mortgage isn't responsible for the products, content, accuracy, or security provided on a third-party website.
Thank you for visiting us!