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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.
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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.
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Testimonials
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.
Chris and his team were awesome! He was easy to talk to, kept me in the loop, made the process seamless, and overall a great experience. I had a lot of questions and he was happy to answer them all and give me his undivided attention and didn’t seemed bothered. Better experience than who I have worked with in the past and I will work with him in the future.
Chris and his team were great to work with! Very nice to talk to, quick with responses, kept me in the loop the entire way. It was the best experience with a loan officer I have had and I won't use anyone else in the future.
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