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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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Business Hours
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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
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 Guild Mortgage - Chris Cayo
December 19th, 2025 06:35 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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I can’t thank Chris Cayo enough for all his help in closing on my first home! As a first-time homebuyer, I had a lot of questions and concerns, but Chris made the entire process smooth and stress-free from start to finish. He was always available...
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Reply from Guild Mortgage - Chris Cayo
December 19th, 2025 01:58 AM
Thank you so much, Christian, for your kind words and for trusting me and my team with such an important milestone—your first home! It’s always an honor to help out a fellow brother (or sister) in arms, and I’m grateful I could make the process...
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Chris was very communicative throughout the entire process, making collaboration with him and his team enjoyable. Their delivery was on time—if not earlier than expected.
Reply from Owner
December 16th, 2025 07:48 PM
Thank you so much for the wonderful review! It was truly a pleasure working with you, and I’m glad you found value in our communication throughout the process. Knowing that collaboration was not only effective but enjoyable means a lot to me...
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Guild Mortgage - Chris Cayo has received a review with 5 star rating from Brenda P
Reply from Owner
December 19th, 2025 02:00 AM
Brenda, thank you so much for your kind words! It’s always a pleasure to work with you and Henry, and I truly appreciate the trust you place in me. Making the process simple and smooth is always my goal, and I’m grateful for the opportunity...
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Always a pleasure to work with Chris. He makes everything simple.
Reply from Guild Mortgage - Chris Cayo
December 19th, 2025 01:29 AM
Brenda, thank you so much for your kind words! It’s always a pleasure to work with you and Henry, and I truly appreciate the trust you place in me. Making the process simple and smooth is always my goal, and I’m grateful for the opportunity...
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Chris Cayo is an outstanding lender and truly one of the best in the Southwest Washington and Portland Metro area. His experience, professionalism, and genuine dedication to his clients set him apart. Chris takes the time to understand each...
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Reply from Owner
December 19th, 2025 01:30 AM
Rick, thank you so much for your incredible review! It’s always an honor to receive recognition from other industry leaders who truly understand the process firsthand and know the difference between a good loan officer and one who may not measure...
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Chris was great at explaining things we didn't understand. Made us comfortable throughout the process.
Reply from Guild Mortgage - Chris Cayo
December 19th, 2025 01:20 AM
Keara & Liz, it was truly a privilege to assist you both with your home-buying journey! It’s been a long time coming, and I’m so glad we were able to get to the finish line together. From the very beginning, I remember how much you appreciated...
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Guild Mortgage - Chris Cayo has received a review with 5 star rating from Erika M
Reply from Owner
December 16th, 2025 07:48 PM
Thank you so much for the wonderful review! It was truly a pleasure working with you, and I’m glad you found value in our communication throughout the process. Knowing that collaboration was not only effective but enjoyable means a lot to me...
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was very communicative throughout the whole process and made collaborating with him and his team enjoyable and their delivery was on time if not earlier than needed.
Reply from Guild Mortgage - Chris Cayo
December 16th, 2025 07:48 PM
Thank you so much for the wonderful review! It was truly a pleasure working with you, and I’m glad you found value in our communication throughout the process. Knowing that collaboration was not only effective but enjoyable means a lot to me...
read more
Chris was amazing to work with even when the home buying process was getting tough. He explained things in a manner we could understand and showed us a lot of patience through moments of confusion and frustration. I don't believe there is a...
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Reply from Guild Mortgage - Chris Cayo
December 9th, 2025 07:43 PM
Keara & Liz, it was truly a privilege to assist you both with your home-buying journey! It’s been a long time coming, and I’m so glad we were able to get to the finish line together. From the very beginning, I remember how much you appreciated...
read more
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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/.