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Find the loan to fit your life

Select from hundreds of loan products tailored to your needs

About me

Welcome! 
I'm Matthew Merrill, your dedicated mortgage loan officer at Guild Mortgage, proudly serving the Pacific Northwest. With 20 years of lending experience and a deep commitment to helping clients achieve their homeownership dreams, I specialize in providing personalized mortgage solutions tailored to your unique needs.


Why Choose Me?
As a licensed mortgage loan officer in Washington, Oregon, Colorado, and Montana, I bring a wealth of knowledge and expertise to every transaction. Whether you're a first-time homebuyer, looking to refinance, or interested in investment properties, I'm here to guide you through the process with ease and confidence.


Local Expertise
Being based in Vancouver, WA, I have a deep understanding of the local real estate market. My goal is to make the mortgage process as smooth and stress-free as possible for my clients in Vancouver and the surrounding areas, including Portland, OR. I offer a wide range of loan options, including FHA, VA, USDA, and conventional loans, to ensure you find the perfect fit for your financial situation.


Personalized Service
At Guild Mortgage, we believe in building lasting relationships with our clients. I take the time to understand your goals and provide tailored advice to help you make informed decisions. My commitment to exceptional customer service means you'll always have a trusted advisor by your side, from pre-qualification to closing and beyond.


Get Started Today
Ready to take the next step in your homeownership journey? Contact me today to schedule a consultation. Let's explore your mortgage options and find the best solution for you. Whether you're in Vancouver, WA, or anywhere in the Pacific Northwest, I'm here to help you achieve your homeownership dreams.

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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
4.99
4.95
5.0
Jordan S
Aug 21, 2025
Verified

Matthew was incredible to work with. He was genuinely invested in helping us—always responsive, proactive, and eager to problem-solve. You can tell he loves his job and cares about getting people into homes. Plus, he kept things light with a great sense of humor. 10/10 recommend working with him.
Jordan
Aug 21, 2025
Verified

Matthew was incredible to work with. He was genuinely invested in helping us — always responsive, proactive, and eager to problem-solve. You can tell her loves what he does and cares about getting people into homes. 10 out of 10 recommend working with him!
Shawna
Aug 14, 2025
Washougal, WA
Verified

Matthew Merrill is very knowledgable and helpful. Matthew always answered my emails within 30 minutes with an answer.
Derrick
Aug 14, 2025
Washougal, WA
Verified

We had a great experience, because Matt took care of anything that came up. It was very painless on our part.
Ashley
Aug 14, 2025
Vancouver, WA
Verified

Matt is always a pleasure to work with. Have worked with him in the past on previous home purchases and refis and always had a positive experience .
Brandon
Aug 02, 2025
Vancouver, WA
Verified

Matt was very personable and was great at answering all of our questions. He was also proactive in giving us all the options regarding how we could make our mortgage fit into our budget. All around it was a great experience and we're happy we went with Guild

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Awards

Causes & Memberships

NMLS ID #115282
I am authorized to do business in the states of Colorado, Idaho, Montana, Oregon and Washington. Branch NMLS ID 2576149; OR ML-176;