Guarantee Mortgage Townsend

We have helped Bay Area 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


Recommendations (252)

Jun 10, 2019

Erik Brown recommends John Joyce

Firefighter Paramedic

Thank you for excellent work with a short time frame. I'll definitely recommend John and his staff.
Jun 10, 2019

Anonymous recommends John Joyce

Great job! John did an excellent job for me on short notice. Highly recommended!
May 24, 2019

THOMAS HYMAN recommends Christopher Baker


I have worked with Chris several times over the years and he is the very best. The difference between Chris and the other mortgage brokers is the simple fact that Chris does what he promises. Regardless of how difficult and or how long it itakes, Chris is right there working for you. He also has a terrific staff that are always available. Last, Chris really understands and knows his products. You can't go wrong with Christopher Baker. Thomas Hyman
May 16, 2019

Finbarr O'Driscoll recommends John Joyce

Thanks John for the great work as usual, we have used John and his great staff Asa over the years, all very professional and got things done in a short time.
Highly recommend!!!!
May 15, 2019

Andrea Irwin recommends John Joyce

We couldn’t have asked for a more speedy process. Asa and John are amazing and personable and I highly recommend them to anyone. We will definitely use them again.
May 15, 2019

Mehdi Goodarzi recommends Sahar Milani


I came to bay area from the UK 9 month ago with no credit history and limited funds. I was so desperate to buy a condo before the market heats up because of upcoming 5 IPOs in 2019. I reached out to many brokers and mortgage advisors and they couldn’t offer me anything more than 800k with very high interest rates due to my poor credit score and lack of credit history. While i was losing my hopes in being able to buy anything this year, i was introduced to Sahar who miraculously managed to find two lenders who could not only provide me with deposit and the loan but they were happy with my credit history and limited cash and no need for reserve cash. I managed to buy my dream condo in one of San Francisco best neighbourhoods for $1.310M and closed it in 18 days. All of above couldn’t have been possible if Sahar was not there. Words can’t describe my gratitude and admiration for her dedication and competence during this journey. I forever feel indebted to her for her support and professionalism to make my dream true. Thank you Sahar
May 14, 2019

Chris and Erica Ramirez recommend Marilee Breslin

Marilee helped us navigate through our first home purchase. She went above and beyond, we were very pleased with her service.
May 11, 2019

Shaun recommends Vince Breen

Vince and his team were fantastic. From my first email and phone call, through our closing, Vince was quick to respond & take action, clear in his explanations & requests, communicative & team-oriented with our agent & title company, and committed to our success. He delivered us our 12 calendar day close with financing (a record?!), all while navigating a multi-party shared loan & purchase. And the rates were the best of three outfits we compared apples-to-apples at the outset. I would recommend Vince any day.
May 6, 2019

Pierre recommends Kara Fiore

Really went the extra mile for us!! Thanks for everything
May 5, 2019

April Grady recommends Sahar Milani


Sahar is amazing. Competent, always on top of everything...she got our loan funded and we were even able to close early! She explained everything and answered all our questions throughout the entire process and we felt 100% comfortable and confident in her throughout the entire experience. We will be recommending her to EVERYONE we know!
May 3, 2019

Barbara Boguslawski recommends Scarlet Kim

Income Auditor

Scarlet is a pleasure to work with. Her knowledge of the industry and the processes that it entails are unparalleled! She's detailed, ethical and engaging. I've called on her for all my mortgage needs ever since I bought my home in 2000. I would NEVER use anyone else!
May 2, 2019

Shawn DeLuna recommends John Joyce


John and Asa did a fantastic job, I would highly recommend them.
Apr 29, 2019

Very Happy Customer recommends Vince Breen

I greatly appreciate the professionalism and insights provided by Vince and his team. Our transaction was easy to complete. It was a pleasure to work with Vince and his team. - April 2019
Apr 26, 2019

DANIEL O'CONNOR recommends John Joyce

Business Owner

John and Asa have done a great job for me again and I'd highly recommend them. They are both very responsive, thorough, detailed and they have again delivered on my loan on time. 10 out of 10!!!
Apr 26, 2019

Susan Frazier recommends Eric Fairfax

It’s been a wonderful experience working with Eric’. He made me feel confident and comfortable and was very encouraging throughout the entire process. I would highly recommend him to anyone out there in need of assistance with acquiring a refinance! He is very much appreciated.
Apr 8, 2019

Don Dikun recommends Kara Fiore

Senior Executive Recruiter

I've worked with Kara since the late 90's. She's an excellent business partner. Kara was originally a referral from family, and she since has assisted me with several purchases as well as refinance transactions. I have referred her to friends as well. All have had nothing but excellent things to say about the service Kara provides.
Apr 4, 2019

Lisa Jolicoeur recommends John Joyce


great response time and great efficiency!
Mar 26, 2019

Wally and Cholie Enrico recommend Marilee Breslin

Marilee has helped us a few times and every single time she never failed to provide excellent service. As this process sometimes can be so stressful on our part, she remained very patient and will try her best to make it easier for us. I highly recommend Marilee!
Mar 10, 2019

Steven Helmkanp recommends Kara Fiore


Kara was referred to me when on one of my deals was falling apart bc we couldn’t get my buyer the loan he wanted. Kara came in and was able to do what two other brokers could not. She’s persistent, creative, and delivers!! I recommended her my best friends who are buying a house. I highly recommend her, thank you Kara!
Mar 10, 2019

FRANK RODRIGUEZ recommends Kara Fiore

Sr Partner

It does not get any better than Kara!!!!!!!!!!!!!! She was our third mortgage broker for a home in Southern California where we always wanted to live. We were either turned down or given conditions we could not meet with our first two options across four banks.

Kara came in and said, "I got this."

I was like yeah, whatever, at that point. She had to hear me rant on more than one occasion out of the pure frustration of the whole thing. But she so kept her cool, and just said, "okay, you ready to make that phone call now?" referring to one of our lenders.

I myself could not believe my ears when we got the approval, nor my eyes when we signed at closing. Whether easy or the most of challenging processes; I can only recommend Kara. If I could think of more superlatives to describe her, I would. But by now I'm sure, if you're reading this, that you get just exactly how important Kara was to getting our home. Without Kara, it simply would not have happened, period. Thank you, Kara, for everything you did!!!!!!!!!!!!!
Mar 9, 2019

Eileen Moreno recommends Kara Fiore

Real Estate Agent

Kara did a fantastic job. She pulled off a miracle of all miracles. We had a very tricky deal with a buyer only willing to put 10% down. His finances were no slam dunk either. I kept losing faith that the deal may not go through, but she stayed calm saying it will happen and she made good on her word! Also, I very much appreciated that she was great in either taking my calls when i called or calling me back soon after and keeping me apprised of the situation as they developed. Definitely would recommend Kara!
Mar 9, 2019

Orla Clifford recommends John Joyce

John, Asa and all the staff at Guarantee Mortgage were incredibly efficient and professional, never tiring in their efforts to get our paperwork completed. Highly recommend
Feb 21, 2019

Mark Fullerton recommends John Joyce

John and his support team, were professional, efficient and thorough with all our paperwork. Highly tecommend
Feb 4, 2019

Todd Barnes recommends Kara Fiore

General Manager

Kara worked tirelessly to fund my refinance. She did not stop until she got me exactly what I wanted. After trusting her advise she proved that there is no one better and worked aggressively in getting results! Thanks Kara!
Jan 15, 2019

Nancy Roberts recommends Eric Fairfax

Eric did an amazing job, helping us secure a loan in record time (and during the holidays).

Our Team

  • Christopher Baker

    Sr. Commercial & Residential Loan Officer - Townsend Office
    NMLS #294586 / 1850 - CA BRE #01117785 / 01215943

  • Vince Breen

    Vice President - Townsend Office S.F.
    NMLS #238661 / 1850 - CA BRE #00923758 / 01215943

  • John Joyce

    Mortgage Loan Consultant - Townsend Office S.F.
    NMLS #237603 / 1850 - CA BRE #01723092 / 01215943

  • Kara Fiore

    Loan Consultant - Townsend Office S.F.
    NMLS #241552 / 1850 - CA BRE #00977921 / 01215943

  • Ron Fiore

    Vice President - Townsend Office S.F.
    NMLS #57752 / 1850 - CA BRE #01142223 / 01215943

  • Eric Fairfax

    Branch Manager / Sr. Loan Consultant - Townsend Office S.F.
    NMLS #57748 / 1850 - CA BRE #01135991 / 01215943

  • Rich Polonsky

    Mortgage Loan Consultant - Townsend Office S.F.
    NMLS #237277 / 1850 - CA BRE #00496899 / 01215943

  • Marilee Breslin

    Sr. Loan Consultant - Townsend Office S.F.
    NMLS #238468 / 1850 - CA BRE #00688844 / 01215943

  • Jihad "Jay" Totah

    Loan Advisor - Burlingame Office
    NMLS #298898 / 1850 - CA BRE #01170254 / 01215943

  • Richard Chalifour

    Residential & Commercial Loan Consultant - Townsend Office
    NMLS #349170 / 1850 - CA BRE #00915461 / 01215943

  • Alma Portillo

    Loan Advisor - Townsend Office S.F.
    NMLS #280540 / 1850 - CA BRE #01444581 / 01215943

  • Sherri Collins

    Loan Advisor
    NMLS #: 304940/1850 | CA BRE#: 01152449/01215943

  • Sahar Milani

    Mortgage Consultant - Townsend Office S.F.
    NMLS #: 1521039/1850

  • Scarlet Kim

    Mortgage Specialist - Townsend Office S.F.
    NMLS #240991 / 1850 - CA BRE #01267469 / 01215943

  • Terry Wilson

    Sr. Loan Consultant - Townsend Office S.F.
    NMLS #242333 / 1850 - CA BRE #00989772 / 01215943

  • Victoria Bahnasy

    Sr. Loan Consultant - Townsend Office S.F.
    NMLS #248727 / 1850 - CA BRE #00549512 / 01215943

  • Gregory Lopez

    Loan Consultant - Townsend Office S.F.
    NMLS #293881 / 1850 - CA BRE #01134932 / 01215943

  • Mike Collins

    Loan Advisor
    NMLS #: 315150/1850 | CA BRE #: 00164416/01215943

  • Deanna Cirimele

    Loan Advisor
    NMLS #: 304939/1850 | CA BRE #: 01152450/01215943

  • Karen Toms Brown

    Mortgage Advisor - Townsend Office S.F.
    NMLS #287920/1850 - CA BRE #01102590/01215943