Paula Nirschl NMLS 383396 - Kelli Scott NMLS 396702 - Guild Mortgage

06/09/2026

5.0 star review received on Experience.com for Guild Mortgage - Kelli Scott by Becky K - Kelli was very knowledgeable with our complicated situation. Kelli has been in the mortgage world for a long time and knows her stuff! She worked hard to find the best loan program for us. Kelli was very patient with all of our questions and met with us many times. We highly recommend Kelli Scott! Five stars all the way!

Click to see all 61 reviews of Guild Mortgage - Kelli Scott , Loan Officer | NMLS # 396702

06/08/2026

5.0 star review received on Experience.com for Guild Mortgage - Kelli Scott by Mary L - Working with Kelli was great. She was on top of each step and was patient with all my questions. Very professional and easy to work with.

Click to see all 60 reviews of Guild Mortgage - Kelli Scott , Loan Officer | NMLS # 396702

06/01/2026

5.0 star review received on Experience.com for Guild Mortgage - Kelli Scott Parker by Evan R - Kelli was fantastic to work with. She inherited a complicated refinance following a fix-and-flip project that had gone sideways.

From the start, Kelli kept us informed every step of the way and consistently advocated for us to secure the best possible rate, terms, and valuation for our home. Her communication, professionalism, and persistence made a huge difference.

This was our second home financed with Kelli, and we'll absolutely continue working with her as we grow our real estate investments in the Vancouver area. I highly recommend her to anyone looking for a knowledgeable mortgage professional who truly puts her clients first.

Click to see all 59 reviews of Guild Mortgage - Kelli Scott Parker, Loan Officer | NMLS # 396702

05/19/2026

5.0 star review received on Experience.com for Guild Mortgage - Kelli Scott Parker by Bretton W - Kelli has helped my wife and I with our mortgages since our first home. We've experienced other loan officers and no one else does it better. Kelli is so knowledgeable, and patient which is so helpful during stressful situations.

If you're not sure if you're able to buy a home, I highly recommend you talk to Kelli because she will be able to help you understand your options and she makes magic happen.

Thanks so much Kelli!

Click to see all 58 reviews of Guild Mortgage - Kelli Scott Parker, Loan Officer | NMLS # 396702

05/19/2026

Looking to build wealth through real estate investing in Vancouver, Washington? A DSCR (Debt Service Coverage Ratio) loan may be the perfect solution for investors who want to purchase or refinance an investment property without using traditional income documentation like W-2s, tax returns, or pay stubs.
Unlike conventional financing, a DSCR loan focuses on the cash flow of the property itself instead of your personal income. That means qualifying is based primarily on the rental income the property generates compared to the monthly mortgage payment. This makes DSCR loans a powerful option for self-employed borrowers, real estate investors, business owners, and anyone looking to expand their portfolio without the hassle of extensive paperwork.
Whether you're investing in single-family rentals, vacation properties, Airbnb opportunities, or multi-unit real estate in Vancouver, Washington, DSCR financing can provide flexibility and speed that traditional lending often cannot. Investors love these programs because they allow them to scale faster while keeping personal tax strategies intact.
Benefits of a DSCR loan may include:
• No personal income verification
• No tax returns required in many cases
• Flexible property types
• Ideal for seasoned and first-time investors
• Fast closings and streamlined approvals
• Opportunities to grow your investment portfolio strategically
The Vancouver, Washington real estate market continues to attract investors due to strong rental demand, population growth, and proximity to Portland. Whether you're purchasing your first investment property or expanding an existing portfolio, understanding your financing options is critical.
I help investors throughout Vancouver, Washington explore smart lending strategies designed to align with their financial goals. If you’ve been told you don’t qualify traditionally, a DSCR loan could open the door to your next investment opportunity.
Ready to learn if a DSCR loan is right for you? Let’s connect and build a financing strategy that works for your investment goals.

05/08/2026

5.0 star review received on Experience.com for Guild Mortgage - Kelli Scott Parker by Sean R - Kelli has been an amazing loan officer and has helped me multiple times over the years. She is professional, knowledgeable, responsive, and truly cares about her clients. No matter the situation, she always took the time to answer questions, explain the process clearly, and make everything as stress-free as possible.
What really stands out about Kelli is her honesty, communication, and dedication. She goes above and beyond to make sure her clients are taken care of and works hard to get the best results. I always felt like I was in good hands throughout the entire process. I felt like she treated me like family.
I highly recommend Kelli to anyone looking to buy or refinance a home. She is dependable, easy to work with, and someone you can truly trust.

Click to see all 58 reviews of Guild Mortgage - Kelli Scott Parker, Loan Officer | NMLS # 396702

05/08/2026

Not sure if you qualify to buy a home in Vancouver WA? You’re not alone—this is one of the most searched questions for renters trying to figure out if homeownership is even possible. Most people assume you need perfect credit or a high income to get approved, but that’s not how it works. In Vancouver, Washington, many home loan programs allow buyers to qualify with credit scores starting around 580–620 depending on the loan type, including FHA loans, Conventional loans, and VA home loans. What really matters is your full financial picture—your income, debt-to-income ratio, payment history, and choosing the right loan program for your situation. It’s not just about your credit score, it’s about strategy. I’ve worked with buyers who thought they were a year away, and with the right plan, they were ready in 30–60 days. If you’ve been searching how to qualify for a home loan Vancouver WA, what credit score to buy a house in Washington, or first-time homebuyer requirements WA, you’re asking the right questions. Message me “QUALIFY” and I’ll break down exactly where you stand and what your next steps could look like.

05/07/2026

5.0 star review received on Experience.com for Guild Mortgage - Kelli Scott Parker by Tina O - Want it done ,and done right, then Kelli is your lender!!! I have done multiple transactions with her and she is FANTASTIC. Great communication, drama free and really cares about her clients. Cannot say enough good things about her

Click to see all 57 reviews of Guild Mortgage - Kelli Scott Parker, Loan Officer | NMLS # 396702

05/05/2026

5.0 star review received on Experience.com for Guild Mortgage - Paula Nirschl | "Coach P" by Russell P - If you’re looking for a lending team that truly goes above and beyond, I can’t say enough about Paula Nirschl and Kelli Scott at Guild Mortgage. We’ve had the pleasure of working with them alongside our new construction team for almost 10 years, and they’ve been nothing short of exceptional the entire time.

From start to finish, they are professional, responsive, and incredibly knowledgeable—making what can often be a stressful process feel smooth and well-managed. Their communication is always on point, keeping everyone aligned and on track, which is critical in new construction and fast-moving transactions.

What really sets Paula and Kelli apart is how much they invest beyond just the lending side. They consistently go the extra mile to support the community, educate buyers throughout the process, and make sure clients fully understand their options so they can make confident decisions.

They’ve also shown a true commitment to getting deals across the finish line—stepping in when needed and even contributing at closing to help make transactions work. That level of partnership and dedication is rare.

I highly recommend Paula and Kelli to anyone looking for a lender who is not only highly skilled but genuinely cares about their clients, their partners, and the community they serve. They’re an incredible asset to any transaction.

Click to see all 831 reviews of Guild Mortgage - Paula Nirschl | "Coach P", Area Manager | NMLS # 383396

05/05/2026

If you’re renting in Vancouver WA, you’ve probably asked yourself this: how much do I actually need to buy a home?
Most people think the answer is 20% down. That’s usually what stops them from even looking.
The reality is, many buyers are getting into homes with 3% to 5% down depending on the loan program.
On a $450,000 home, that could look like around $13,500 to $22,500—not $90,000.
There are also down payment assistance programs in Washington that can help reduce what you need upfront.
And in some cases, we can structure deals to help with closing costs.
The bigger issue isn’t the down payment—it’s not knowing your numbers or having a plan.
If your rent keeps going up and you’re wondering if buying is even possible, it’s worth getting real numbers instead of guessing.
If you’ve been searching how to buy a home in Vancouver WA, first-time homebuyer Washington, or how much down payment to buy a house, you’re asking the right questions.
Message me “PLAN” and I’ll break down exactly what it would take based on your situation.