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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
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8 AM to 5 PM
Thu
8 AM to 5 PM
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Reviews from Web
Best communication of any lender/lo to date. Kudo's!
Reply from Guild Mortgage - Chris Cayo
April 8th, 2026 10:13 PM
Thank you—I really appreciate that! Hearing this from the listing side means a lot. Communication is something I take a lot of pride in, so your feedback truly means a great deal. Hope we get to work together again soon.
Chris has been absolutely wonderful throughout my journey to home ownership. Extremely knowledgeable, thorough, and patient. I cannot thank him enough for helping me navigate into this new chapter of my life!
Reply from Guild Mortgage - Chris Cayo
April 8th, 2026 09:52 PM
Thank you so much, Mariah! I truly appreciate the kind words. It was such a pleasure working with you and walking alongside you through your journey to homeownership. Your patience and trust made the process that much more rewarding, and I’m...
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I enjoyed working with Chris, he was positive, professional, and on top of things. He always kept me apprised of what was going on and was considerate in working through my particular circumstance, listening to my situation and directing me...
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Reply from Owner
April 8th, 2026 09:49 PM
David, thank you so much for the amazing review and for trusting me and my team throughout the process. I’m really glad the communication, flexibility, and clear explanations were helpful, and that you felt supported every step of the way....
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Chris was on top of things right from the get-go. I appreciated the regular weekly communication and opportunity to ask questions if I had any, as well as the timely engagement when something needed to get done on my side. He was very responsive...
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Reply from Guild Mortgage - Chris Cayo
April 8th, 2026 09:49 PM
David, thank you so much for the amazing review and for trusting me and my team throughout the process. I’m really glad the communication, flexibility, and clear explanations were helpful, and that you felt supported every step of the way....
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Chris has been absolutely wonderful throughout my journey to home ownership. Extremely knowledgeable, thorough, and patient. I cannot thank him enough for helping me navigate into this new chapter of my life! If you're a first time home buyer...
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Reply from Owner
April 8th, 2026 12:00 AM
Thank you so much, Mariah! I truly appreciate the kind words. It was such a pleasure working with you and walking alongside you through your journey to homeownership. Your patience and trust made the process that much more rewarding, and I’m...
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I enjoyed working with Chris, he was positive, professional, and on top of things. He always kept me apprised of what was going on and was considerate in working through my particular circumstance, listening to my situation and directing me...
read more
Reply from Owner
April 8th, 2026 12:00 AM
David, thank you so much for the amazing review and for trusting me and my team throughout the process. I’m really glad the communication, flexibility, and clear explanations were helpful, and that you felt supported every step of the way....
read more
I enjoyed working with Chris, he was positive, professional, and on top of things. He always kept me apprised of what was going on and was considerate in working through my particular circumstance, listening to my situation and directing me...
read more
Reply from Guild Mortgage - Chris Cayo
April 8th, 2026 10:19 PM
David, thank you so much for the amazing review and for trusting me and my team throughout the process. I’m really glad the communication, flexibility, and clear explanations were helpful, and that you felt supported every step of the way....
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Chris was absolutely amazing! At no point in the process was I confused as a first time home buyer. Any chance there was I got a phone call with an update about what was going on in the process and what to expect next. Every question I had...
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Reply from Guild Mortgage - Chris Cayo
March 13th, 2026 07:44 PM
Eric, thank you so much for the kind words—I truly appreciate you taking the time to share your experience. Helping first-time homebuyers feel informed and confident every step of the way is always my goal, so hearing that the communication...
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I couldn't be happier! The buyers of my home I was selling requested an expedited close and at the same time, I was searching for my new home - Chris and his team made it happen and I was able to move into my new home on the day my old home...
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Reply from Guild Mortgage - Chris Cayo
March 10th, 2026 07:19 PM
Michael, thank you so much for the kind review. I’m really glad we were able to line everything up so smoothly, especially with the expedited close on your sale while you were securing your next home at the same time. Being able to move into...
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Chris was great about communicating with us throughout our entire home buying process. Explaining what exactly was going on with our loan and how things were going to look over the coming weeks so that we had a heads up prior to anything that...
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Reply from Guild Mortgage - Chris Cayo
March 10th, 2026 07:12 PM
Thank you so much, Jocelyn! That really means a lot to me. It was truly a pleasure working with you both, and I appreciate the trust you placed in me over such a long period of time. I’m glad the communication and transparency helped you feel...
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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/.