Guarantee Mortgage Santa Barbara

We have helped California families finance their home, with over $2 billion in loans annually, and we can help you.

Offering a wide range of products and services, Guarantee Mortgage is well prepared to meet every real estate lending need.

We have 22 years under our belt providing world-class client service. Our top priority is to make sure you are presented with all available loan options, so that you can make an informed decision, that’s right for your financial situation.

Guarantee Mortgage NMLS #1850 and CAL-BRE License #01215943

Equal Housing Opportunity


Recommendations (84)

2 days ago

Katherine Gardner recommends Guy Rivera

Katherine Gardner

I had a high debt ratio a very difficult loan. The team stayed on top of things requested from the investor. Locked into a great rate and pulled a miracle.
Sep 19, 2018

Leslie McNabb recommends Guy Rivera

Leslie McNabb

Guy and his team at Guarentee Mortgage are amazing! They helped us get pre-approved and walked us through the process of getting us into the house we’ve always wanted! I highly recommend Guy!
Sep 3, 2018

Cory Bair recommends Guy Rivera

Knowledgeable. Open for answering my questions in a clear and concise manner to help me understand the whole loan process.
Aug 12, 2018

Max and Sheridan recommends Guy Rivera

SB Aviation

Guy gets it done. Efficient, direct and on time. Will use Guy again!!!
Jul 25, 2018

Reina Lopez recommends Guy Rivera

Guy and his team at Guarantee Mortgage did the impossible. Turn my refinance experience into a reality. Very professional and courteous. Thank you Laurie for your step by step help. Now I know why your customers say "you are the man".
Jul 18, 2018

Ken Cappella recommends Guy Rivera

Hey Guy, thank you for locking us in at a great rate even while we were out on vacation in Disneyland! Such a magical place and so is Santa Barbara. Thanks for helping us get into the housing market here.
Jun 30, 2018

Ken Pruett recommends Guy Rivera

Guy was a great communicator. He went out of his way to personally drop off loan documents when needed during the process. We felt confident that the loan process was working and successfully closed on schedule.
Jun 29, 2018

Jason Hannon recommends Guy Rivera

Senior Analyst

This is the 2nd refi that I have had Guy do for me. He navigated some difficult financial hurdles on the 1st one, and then beat all the deals others were offering me the 2nd time around. Guy is my go to man when it comes to home financing. End of story.
Jun 15, 2018

Scott Groff recommends Guy Rivera


1 bank and 2 other mortgage companies failed over a 3 week period, but Guy came through in 24 hrs!!! Wow
May 27, 2018

William Inguito Jr. recommends Guy Rivera

Production Planner

Guy and his team were great. Guy talked me down a couple of times when unforeseen events came up. And due to a mistake by the realtor, the team needed to be able to fund the loan and get the information to the Title company on the same day, in time to record on a Friday before a 3-day weekend.
May 21, 2018

J. Gordon recommends Guy Rivera


Guy Rivera and his entire team were a pleasure to work with. We needed to get a refi done in a short amount of time and not only were they able to do it but we felt confident with the work that they were doing. The explained everything to us and when we emailed them with questions they replied in a timely and thoughtful manner. Previously to working with Guy we went to another institution where we got the run around, there was no human interaction and our questions went unanswered, we felt like another drop in the bucket. With that being said I would most definitely recommend Guy and his team of highly competent and personable people. I have already told my co-workers and friends about them.
May 10, 2018

Andrew ruiz recommends Guy Rivera

Home owner

Very cordial, attentive, made it happen!
May 3, 2018

Melody De Pledge recommends Guy Rivera

Self Employed

I am so thankful for Guy Rivera and his team for making my debt consolidate refinance happen. He told me exactly what was needed from me and the time frame it would take. I thanked him for not giving up on me because for over 3 years I have been trying to refinance with other lenders when the rates were much lower, but all I got from them was false hope and a run around which cost me so much time, money and emotional turmoil of being rejected. Until one day, I read one of Guy Rivera's newsletters and so I called him and he walked me through exactly what I needed to do and "He-Made-It-Happen"! I can't tell you how thankful I am for Guy Rivera's help and his team. This really changed my life! Now I'm debt free and have a fresh start for the rest of my life.
Apr 29, 2018

Cristina Battistone recommends Guy Rivera


My husband and I would highly recommend Guy Rivera and his team at Guarantee Mortgage for their professional and personalized service. From the very beginning process of our inquiry for a home loan to the closing of escrow, Guy answered all our questions, explaining every step of the way in terms that were easy to understand. Guy and his team are courteous and extremely professional with all document requests and they kept us updated almost daily on where we were in the process. We have been in our new home for a week now and cannot express enough our gratitude to Guarantee Mortgage for helping us make our dream of home ownership come true!
Apr 26, 2018

Andrew Ruiz recommends Guy Rivera


Very fast and efficient. Cares about your needs, there to get the job done and at the end of the day makes sure your happy.
Apr 18, 2018

Ali Farsad recommends Guy Rivera

Sales Manager at Soilmoisture Equipment Corp.

Guy knows exactly what needs to be done an he is capable of doing it. Just give him your case and don't worry about the rest.

He didn't ask me too many questions and didn't request for too many documents. And before I knew it I was pre-qualified and qualified, and my case was not that straightforward.

Guy is a professional and a good person. I was very comfortable with him and his team. It is evident that their client is their first priority.
Jan 30, 2018

Michael Villarreal recommends Guy Rivera

Owner of coastal Valley handyman repair

Guy Riviera straight to the point. No BS no what ifs, his boss Vittoria and Guy will definitely look at your situation and put you in the loan that you need at the best rate that anybody can get in Santa Barbara. Cheers bro and thank you for all the years of work that you've done for me it's much appreciated. Peace!
Nov 7, 2017

Jacques ROusseau recommends Guy Rivera

Sr. Electrical Engineer

I highly recommend Guy for all your mortgage needs. After going to several other lenders, and being rejected due to the required foot work, Guy went the extra mile and got my house refinanced. Do not even hesitate, use Guy for purchase, refinance etc.
Oct 13, 2017

Jean Sedar recommends Guy Rivera

Real Estate Agent

Not only has Guy landed great loans for my clients for decades, he has once again pulled out of his creative net another fabulous loan for me. The time from when I asked him if I should refi to closing was a phenomenal 18 days! My savings of over $500/month is now earmarked for future fly fishing trips - Bless you, my lender!
And not to forget about his wonderful Team, which is so responsive, careful, detail oriented, and friendly. I like to drop off doc's sometimes instead of emailing everything, because the visit always sends me away with a smile.
Maybe not quite as big as when I release a feisty Rainbow Trout... but close.
Oct 6, 2017

D. Ramirez recommends Mike Pitts

Company Owner

Mike is a true professional! He spent so much time with me ensuring I was educated on all facets of this unknown (which for many is unknown) process.

His approach is to collaborate and because his work ethic is quite commendable and ethical, the process gave me deep respect for this industry.

Mike worked with me as if this was his own home mortgage and the end result was that I have an affordable mortgage - just like he promised me!

I would highly recommend Mike as he is an expert in his field and if there is a question he cannot answer (a rarity), he will seek out the answer - always looking out for the customer.

I was blessed to work with him as he has helped my financial future through his hard work and exceptional customer service!

Sep 16, 2017

Cole D. recommends Mike Pitts

I recently purchased my first home and I was referred to Mike when I began to search for lending. This was a complicated deal since I was purchasing off market from a family member and neither of us knew what needed to be done. Mike was great from the get go! He got a complete idea of what we were hoping to do and then layed things out step by step. Loan options, gift equity, sales contract, appraisals etc. He literally did everything that was asked of him since we did not use an agent!

I was completely green to this process, so naturally he had to answer a ton of questions and repeat himself until I understood things. He was patient, understanding and knowledgeable. I felt very comfortable and knew he genuinely cared about the outcome. And when things came off the rails (and they certainly did!) he just kept his head down and worked through the problem. Solid.

Naturally I contacted a large well known national lender to get another quote. A vastly different and impersonal experience!!
Spent a week going back and forth with an agent, only to come to find out he didn't actually listen from the start and they could not provide what I needed. Ugh

Do yourself a favor and call Mike for your mortgage lending needs! He'll be working the loan on my next place, that's a Gaurantee 😊

Cheers Mike!! 🍷
Sep 13, 2017

M Hughes recommends Mike Pitts


After getting very frustrated with another large, popular mortgage lending group, a real estate agent gave me Mike’s contact information and I gave him a call. What a different experience. Mike listened and offered loans that we wanted, not what he wanted to sell. He is professional, knowledgeable, experienced and just plain nice. After obtaining maybe a dozen mortgages over my lifetime, I can easily say this was the best experience by far and I would not consider using anyone else.
Sep 12, 2017

Mike Parsons recommends Mike Pitts

Manager Mastercraft Motors

Bought a home last September. I had received a quote from another mortgage company and everything was great until I started to really examine the fees associated with the loan. I reviewed them with my real Estate agent and the fees seemed extremely high. When I contacted Mike Pitts he quickly arranged a meeting to review my needs. Not only were the fees previously quoted by the other company extremely high, Mike as able to structure my loan to where I did not have to put all the money down that I thought I was going to have to put down. The whole process was explained in terms I could understand and I was given choices. Extremely happy that I chose to use Mike Pitts at Guarantee Mortgage.
Jun 26, 2017

Jeff Brown recommends Guy Rivera


Guy is a straight shooter as he'll guide to where you want to be and I'm the right way for sure. He's like family to me and I 100% trust him with my money .., He's a great Guy ... πŸ˜€
Jun 15, 2017

Suzanne Baeke recommends Guy Rivera

Director at Leavitt Risk Partners

I am very grateful for Guy and his team. My loan was not an easy undertaking and Guy was up for the challenge. My challenges were not simply credit but also needing a jumbo loan. From the very beginning when asking for all of the needed paperwork, Guy requested everything as to avoid the back and forth of multiple requests. I believe he fought for us and with us.

Our Team

  • Guy Rivera

    Sr. Loan Consultant/Branch Manager - Santa Barbara
    NMLS #57662 / 1850 - CA BRE #01220403 / 01215943

  • Mike Pitts

    Loan Officer - Santa Barbara Office / Solvang Branch
    NMLS #763776 / 1850 APMC BRE # 01215943

  • Rob Ortega

    Loan Consultant - Santa Barbara Office
    NMLS #684232 / 1850 - CA BRE #01870056 / 01215943

  • Hugo Mendez

    Reverse Mortgage Loan Consultant - Santa Barbara Office
    NMLS #869017 / 1850