Top 5%
Guild Mortgage - Chris Cayo
Senior Loan Officer | NMLS# 854164
I'm Chris Cayo, a Senior Loan Officer based in Vancouver, WA, serving homebuyers across Vancouver, Camas, Ridgefield, Battle Ground, and nearby areas in Washington and Oregon. Since 2011, I’ve helped first-time buyers, veterans, active-duty... Show More
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8 AM to 5 PM
Wed
8 AM to 5 PM
Thu
8 AM to 5 PM
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Reviews from Web
Chris and Charity hands down are the best! I won't say it was all sunshine and rainbows but even when it wasn't they both never gave up and kept on pushing to help me achieve buying my first home. During this process they both were incredibly...
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Reply from Guild Mortgage - Chris Cayo
October 23rd, 2025 08:35 PM
Thank you so much, Sawyer! Your kind words truly mean a lot. It was an honor to be part of your journey to homeownership, and I’m thrilled that Charity and I could help make it happen—even through the not-so-sunny moments. Your trust and persistence...
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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!
Reply from Guild Mortgage - Chris Cayo
July 18th, 2025 12:34 AM
Thank you so much for the kind words, Kylee! It was such a pleasure working with you on our first transaction together.
I’m excited we were able to support your first-time buyers every step of the way and get them to the finish line right...
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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...
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Reply from Owner
July 18th, 2025 12:29 AM
Thank you so much for your amazing review, Rebecca! It truly means the world to me and the team—and honestly, it almost brought me to tears.I’m so glad you and Steven found your way to me after feeling discouraged by other lenders. Hearing...
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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...
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Reply from Guild Mortgage - Chris Cayo
July 18th, 2025 12:28 AM
Thank you so much for your amazing review, Rebecca! It truly means the world to me and the team—and honestly, it almost brought me to tears.
I’m so glad you and Steven found your way to me after feeling discouraged by other lenders. Hearing...
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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...
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Reply from Owner
July 18th, 2025 12:00 AM
Thank you so much for your amazing review, Rebecca! It truly means the world to me and the team—and honestly, it almost brought me to tears. I’m so glad you and Steven found your way to me after feeling discouraged by other lenders. Hearing...
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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...
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Reply from Guild Mortgage - Chris Cayo
July 18th, 2025 12:20 AM
Melanie, thank you so much for your incredible review! 🙏 You're absolutely right—buying a home can be a roller coaster, and I’m so glad I could help make the ride smoother (and more affordable!) for you, Anthony, and your dad.
It was a pleasure...
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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...
read more
Reply from Owner
July 18th, 2025 12:00 AM
Melanie, thank you so much for your incredible review! 🙏 You're absolutely right—buying a home can be a roller coaster, and I’m so glad I could help make the ride smoother (and more affordable!) for you, Anthony, and your dad. It was a pleasure...
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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...
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Reply from Owner
July 17th, 2025 09:42 PM
Thank you so much for the awesome review, Jorden! It was such a pleasure working with you and Courtney on your home purchase. I know there were a lot of moving parts, but I’m so glad we were able to stay ahead of the game and navigate the hurdles...
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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.
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Reply from Guild Mortgage - Chris Cayo
July 17th, 2025 09:24 PM
Thank you so much for the awesome review, Jorden! It was such a pleasure working with you and Courtney on your home purchase. I know there were a lot of moving parts, but I’m so glad we were able to stay ahead of the game and navigate the hurdles...
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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...
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Reply from Owner
July 17th, 2025 08:19 PM
Hey Courtney, thank you so much for the amazing review! It was such a pleasure working with you and Jorden on your home purchase. There were definitely a lot of moving pieces, but I’m so glad everything came together smoothly.Hearing that this...
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About
I'm Chris Cayo, a Senior Loan Officer based in Vancouver, WA, serving homebuyers across Vancouver, Camas, Ridgefield, Battle Ground, and nearby areas in Washington and Oregon. Since 2011, I’ve helped first-time buyers, veterans, active-duty service members, and self-employed borrowers find the right loan solutions. I specialize in VA, FHA, USDA, Conventional, Jumbo, Renovation, Refinance, and Down Payment Assistance programs. I’m proud to be a Top 5% Guild Mortgage performer and a Best of 2024 Mortgage Lender. I work closely with local Realtors, builders, and teammates like Charity Knight and Christina Baker-Peterson. Outside of work, I enjoy family time, fitness, books, and podcasts.
Products & Services
Mortgage Loan Officer
FHA Home Loan
VA Home Loan
Jumbo Home Loan
Conventional Home Loan
Mortgage Refinance
Specialities
VA Loan
Conventional Loan
FHA Loan
DPA Loan Programs
Bridge
Conventional
Down Payment Assistance
Energy-efficient
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Memberships
- BIA Clark County
Time Zone
Pacific Standard Time (PST)
Awards
Best of 2024 - Mor...
Disclaimer
I am authorized to do business in the states of Oregon and Washington. OR ML-176; NMLS ID: 854164; Guild Mortgage Company; Equal Housing Opportunity; Company NMLS ID 3274. www.nmlsconsumeraccess.org/.