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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
Wed
8 AM to 5 PM
Thu
8 AM to 5 PM
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Reviews from Web
I truly cannot say enough great things about Chris. I referred my first-time home buyers to him more than a year ago, and from the very beginning he was patient, proactive, and fully invested in helping them align their finances with the goal...
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Reply from Guild Mortgage - Chris Cayo
March 10th, 2026 07:27 PM
Jessica, thank you so much for the incredibly thoughtful review. It truly means a lot, especially knowing you trusted me and my team with your buyer referral from the very beginning. Walking first‑time buyers through the process over a longer...
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Chris is a great guy and very trustworthy,we have used him before and had grear results
Reply from Guild Mortgage - Chris Cayo
February 19th, 2026 06:53 PM
Thank you so much, Brian, for the kind words and 5-star review. It was truly a pleasure assisting you and Joni with this transaction, and I couldn’t be happier with how smoothly everything came together. I’m especially glad we were able to...
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Explained everything well...fast service...very kind
Reply from Guild Mortgage - Chris Cayo
February 4th, 2026 07:46 PM
Thank you so much for the wonderful review! I’m really glad to hear that everything was explained clearly, the process felt fast, and that you had a kind experience throughout. I truly appreciate your trust, and I’m always here as a resource...
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Chris had a great weekly cadence. The process was mapped out about 1 week or at least several days in advance, so I was able to complete tasks without the baggage of the whole process swirling around in my head. He kept me focused on what was...
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Reply from Guild Mortgage - Chris Cayo
February 4th, 2026 07:43 PM
Thank you so much for the fantastic review! I’m really glad to hear that the weekly cadence and clear step‑by‑step process helped keep everything manageable and stress‑free for you. My goal is always to keep the important items front and center...
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Chris is spot on. No BS!!!
Reply from Chris Cayo
January 15th, 2026 08:03 PM
I appreciate your straightforward feedback, Walter. I'm glad to have met your expectations. If there's anything else I can help you with now or in the future, please feel free to reach out.
Did a great job!
Reply from Chris Cayo
January 15th, 2026 07:06 PM
Thank you for taking a moment to share your thoughts, Justin. I'm pleased to know you were satisfied with my work. If there's anything else I can assist you with in the future, don't hesitate to contact me.
Chris was so amazing to work with. Very great guy, and was so fast and was always there to answer any questions I had at any time. I cant thank him enough. Hes definitely the best out there. Thank you chris
Reply from Guild Mortgage - Chris Cayo
February 4th, 2026 07:46 PM
I appreciate your straightforward feedback, Walter. I'm glad to have met your expectations. If there's anything else I can help you with now or in the future, please feel free to reach out.
Chris was a great communicator, and helped my clients get the best rate and close on time. He always checked in with me when the clients asked him a real estate related question, which I really appreciated. He was a pleasure to work with.
Reply from Chris Cayo
January 2nd, 2026 06:42 PM
I'm pleased to know you found my communication effective and that working together was a positive experience, Michele. It's important for me to ensure clarity throughout the process, and collaborating with you helped achieve timely closings...
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Working with Chris was a breeze. As first time homebuyers, the process felt overwhelming at times, but having Chris on our team made it much easier. He was quick to answer questions and took a great amount of time and care in explaining everything...
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Reply from Owner
December 19th, 2025 06:41 PM
Thank you so much for the 5‑star review, Jesse! It’s completely normal for the homebuying process to feel overwhelming the first time, and I’m glad my quick responses and step‑by‑step explanations helped make things easier. Even though you...
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Working with Chris could not have been easier or more enjoyable - not what i expected to say about working with a lender for our home! He was communicative and made us genuinely feel like he was on our team throughout the process. Chris welcomed...
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Reply from Guild Mortgage - Chris Cayo
December 19th, 2025 06:40 PM
Thank you so much for the 5‑star review! Many first‑time buyers expect working with a lender to be stressful, so it means a lot to hear that the process felt easy and enjoyable. I’m glad the clear communication and step‑by‑step explanations...
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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/.