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Find the loan to fit your life

Select from hundreds of loan products tailored to your needs

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. 

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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%.
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.
VA

VA

If you’re an active member of the military or a veteran, a VA loan can help you save money with no down payment and lower closing costs. VA loans also have lower interest rates, meaning you’ll save money over the life of your loan. A VA loan is a program created and guaranteed by the Department of Veterans Affairs (VA) specifically for eligible military veterans, service members and their spouses.

All loans are subject to underwriter approval; terms and conditions may apply. Subject to change without notice.

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Testimonials

Testimonials
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Andrea R
Mar 05, 2025
Verified

Chris and his team have been very helpful in the home buying process. We wouldn't have been able to buy a home without his guidance and knowledge. My husband and I highly recommend Chris and his team.
Brice
Mar 03, 2025
Vancouver, WA
Verified

Chris is friendly, articulate, and very helpful.
Emily B
Mar 04, 2025
Verified

Fantastic lender partner on a recent transaction- a great communicator and solution minded which made for a smooth transaction! It was a pleasure working together!
Emily
Mar 03, 2025
Moro, OR
Verified

Thanks for being solution minded and a great communicator! It was a pleasure working with you!
Daniel
Feb 24, 2025
Goldendale, WA
Verified

The Process was absolutely flawless. Chris Cayo and his asst were there with us and for us throughout the complete process checking in all the time with us. Any questions we had were answered immediately. it was very refreshing to work with someone like Chris and Guild Mortgage, thank you all. We would highly recommend Guild Mortgage .
Tina C
Feb 25, 2025
Verified

Chris Cayo is awesome, he made our loan process easy and stress free! I would highly recommend Chris and Guild Mortgage!

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Awards

Causes & Memberships

member of Guild Giving
NMLS ID #854164
I am authorized to do business in the states of Oregon and Washington. OR ML-176;