Chris Cayo

We couldn’t be more grateful to have worked with Chris on our mortgage loan! From start to finish, he went above and beyond to make the process smooth, stress-free, and incredibly cost-effective. His deep knowledge of the industry, honest guidance, and sharp eye for savings helped us lock in an amazing rate—saving us thousands over the life of our loan. He didn’t just do the job—he did it with excellence, care, and a personal touch that’s rare to find these days. We always felt informed, supported, and confident in every decision because we knew we had the best in the business in our corner. If you’re looking for someone who truly knows what they’re doing and genuinely wants what’s best for you, look no further than Chris. He’s a game-changer.

Chris came highly recommended by a friend, and now I understand why. He provided all the information I needed and was always accessible. Whenever I had a question, I could easily reach out to him. If he wasn’t immediately available, he promptly sent a text with a time he’d be free to focus on my concerns. My real estate agent praised Chris, and the title company commented on how smoothly everything went. Compared to the two other mortgage companies I’ve worked with, Guild made this process seamless and required much less effort on my end. Chris even lowered my interest rate after I prequalified. He proactively monitored market rates and invested his own resources to secure a better deal. I was thrilled when he informed me of the new numbers! We initially prequalified at just over 7%, but by closely watching the market, Chris secured a rate under 7%, saving us $1,200 in the first year. Additionally, Guild bought down our rate by one percent, saving us another $2,400 in that first year. I compared rates with other lenders to confirm, and I was ecstatic to see the savings Chris delivered. Thank you for a smooth process, significant savings, and the innovative payment protection plan. I’ve never heard of a mortgage company willing to waive refinancing fees if market rates drop further. I highly recommend Chris and Guild!

Chris came highly recommended from a friend of mine and now we know why. I received all the information that I needed and anytime I had a question I was able to reach out and contact him easily! If he wasn’t available, immediately, he quickly sent me a text message with a time that he would be to make sure he had the ability to focus on my questions. When speaking to my real estate agent, she readily complemented, Chris. When speaking to the title company, they commented on how smooth things went! With the two other mortgage companies, I’ve worked with guild, made this smooth, and it seemed like much less work on my end. Chris was able to lower my rates more than he already did by spending money out of his own pocket. I was so glad when he came back to me with the new numbers! We prequalified I just over 7% and by Chris watching the market and seen a lower rate. He qualified us under 7% which saved us $1200 for the first year, when they bought down our rate, another one percent it saved us another $2400 over that first year as well! I compared other rates just to make sure this was accurate and I was so excited to see the money that Kris saved us! Thank you so much Chris for a smooth process, saving so much money, and preparing to save us more through your payment protection plan. i have not heard of a mortgage company willing to waive refinancing fees, if the market drops even further!

I didn't put in clients names for referral since Chris is on my Vendor List. 😀

Chris was great to work with. Was always available for a call or text. He worked hard to get us the best deal and rate for our first home. I will definitely be using him again.

Chris was great to work with. Was always available for a call or text. He worked hard to get us the best deal and rate for our first home. I will definitely be using him again.