Guarantee Mortgage

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 mortgage 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

1086 Recommendations

Alexander Coughlin recommends Debra Stedt
Mar 26, 2015
Debra is reliable, knowledgable, thorough and prepared. I love using her because she is always so prompt and knows how to get the job done. I highly recommend her!
James Linford recommends Aisling Ferguson
Mar 25, 2015
Aisling Ferguson helped me with refinancing my mortgage. She was very pleasant to work with every step of the way. Everything was done efficiently and in a timely manner. I would recommend her to anyone who wants to refinance. Everyone at Guarantee Mortgage was very professional.
Renee Jiang recommends Julie Malta
Financial analyst at UCSF
Mar 24, 2015
Julie is a wonderful mortgage broker and was a great help to me when I purchased my first home in 2014. As a first-time buyer, I knew nothing about securing a mortgage, but Julie put me at ease and patiently walked me through the process. She went over all the necessary documentation with me at our first meeting and continued to be very responsive and knowledgeable with all my other inquiries as we moved forward. She is highly efficient and responds to phone calls and e-mails in a heartbeat. Not only did she help me put together a competitive offer that landed me my house, but she also made sure that we closed escrow in a timely fashion, and was present as I signed the escrow documents. I highly recommend her to anyone who is looking for a professional, knowledgeable, and efficient mortgage borker!
Brook Baird recommends Cecelia Tyeskey
Real Estate Agent
Mar 23, 2015
This was my first time working with Cecelia and I couldn't be more pleased. My clients were first time buyers relocating to Oakland from SF due to a stressful eviction. Cecelia was FAST, responsive and thorough. She took the time to answer all their questions in detail and even drove all the way from SF to Oakland to be present for their signing! I felt completely confident that the financing side of the transaction was under control which allowed me to devote more time to my clients other needs. Exactly what I'm looking for in a lender! Thanks, Cecelia!
Rodney Rogers recommends Aisling Ferguson
Mar 17, 2015
I've worked with Aisling with to mortgages, and you'd be hard pressed to find another broker that is as efficient, friendly, and professional. She comes highly recommended. When you find someone this good, you keep them for life! No need to look any further. She knows the business and provides excellent advice during the process. 10 stars!
Tim Haselman recommends Aisling Ferguson
Multi Unit Property Owner in San Francisco
Mar 17, 2015
Aisling is unbeatable when it comes to mortgage brokers in San Francisco. She is on top of all the latest trends, and you can take comfort in knowing you will be getting the best deal and a professional who communicates and puts your mind at ease during the process.
William Sullivan recommends Debra Stedt
refinance client
Mar 17, 2015
This was by far, the easiest and most trouble free refinance transaction I have had!
Debra communicated well and provided all necessary information in a concise and direct format.
She walked me through each step, and was available for questions and follow-up
Her support staff were friendly, and available to reach at various points of the process

Debra was reccomended to me by my friend Mr Halkyard, who employed her services, and I would not hesitate to reccomend her to anyone who might need mortgage services.

Well done!
Leigh Ann Moore Robledo recommends Larry Horowitz
Senior Tax Manager
Mar 15, 2015
I first met Larry many years ago when we were first-year analysts in public accounting sharing a cubicle! So I've always completely trusted him to refinance my home loans. Each time, Larry came through lowering my rate and finding a great deal on a no-point, no-fee refi. He explained the product options in detail, and discussed market issues and timing. He constantly provided status updates with timely emails and phone calls. He anticipated potential issues with credit reports and the title transfers around my trust, and quickly followed through with suggested fixes. He was respectful of my time and was flexible, making himself available after hours. Honestly, I don't know where he finds the energy! I highly recommend him and I personally will never use anyone else.
Carlos Perez recommends Christopher Baker
Cleaning concepts Owner
Mar 12, 2015
I have known Christoper Baker for 15 years, he is an excellent broker. I have refinanced my home throgh him various time and he is always able to give me the best interest for me. I would absolutely recomment him eyes closed. I recently refinanced my home and he was able to shorten my time to 15 years with a 3% interest rate. Chris is the best at we he does.
Sally Cincu recommends Abdi Ghavi
Senior Director, Hewlett Packard
Mar 11, 2015
Abdi and Jeanine are always so delightful to work with. They got us such a terrific rate and always demonstrate such integrity and professionalism in all their dealings. A terrific team.
Greg, Leon and Valentine Kasdan recommends Guy Rivera
Santa Barbara and Carpinteria Residents
Mar 8, 2015
Guy Rivera was initially recommended by a prominent Santa Barbara real estate agent and we could not be happier. Our family has lived in different states and has worked with numerous mortgage brokers and banks. Guy Rivera and his outstanding professional team are the best we have encountered in the mortgage industry.

We have purchased and refinanced on several occasions with Guy at the lowest possible interest rate in the shortest timeframe. Recently, we were able to close on our latest purchase in just seventeen days. Each time, Guy and his associates provided extremely efficient service and were able to obtain financing for complicated loan transactions. Guy is a leader who immediately takes ownership of the loan application and closely monitors the entire process to assure that everything is done appropriately. He is extremely knowledgeable and thinks ahead to advise the customer to prepare necessary documents in order to secure loan approval.

Guy and his staff continuously communicate with all parties involved including the customer, realtors, appraiser, inspectors, underwriter, title/escrow company, etc. to make sure that any issues are resolved promptly. Guy and his associates are always available and immediately respond to any questions.

Even after closing, Guy personally stays in contact with the customer and offers advice and valuable newsletters. We can definitely say Guy Rivera is the best and would not hesitate to recommend him.
Todd and Carolyn Appleby recommends Kathy Derangi
Sr. Research Scientist; Marketing Director
Mar 8, 2015
Kathy did a phenomenal job helping us re-finance - highly proactive, excellent follow-through, detail oriented, and kept us on task every step of the way to ensure we secured an attractive rate in a very time-senstive window. With two young children and demanding schedules, we would have missed the opportunity to realize the savings we are now if it hadn't been for Kathy taking the reins on the process from start to finish. It is with high recommendation that anyone should work with Kathy for your financing needs!
Anonymous recommends Orlando Diaz
Mar 6, 2015
This is the second time we are refinancing with Orlando and, as always, he was most helpful throughout the process. I am certain we will use him again when the time comes.
Anonymous recommends Allan McAllister
A home buyer in Mountain View
Mar 5, 2015
Allan was our loan agent when we purchased our house in May 2014, and again helped with our recent refinance that closed in March 2015. We are super satisfied with his services both times.

We had been in the market for over a year before we bought our current house. We started working with Allan in March 2013, when the market in the South Bay has grown very competitive. It was tough and at times frustrating to be in a sellers’ market like 2013 and 2014, looking for a house in the PA/LA/MV area, going up against multiple competing offers (not to mention that cash offers were not uncommon). Fortunately Allan was always there to support us. He is knowledgeable of the market and the process, kept us updated as we move through the various stages, and had been always patient in answering our questions and explaining things in terms we understand. Allan was very attentive to details, reminding us ahead of time of things that we as client might have overlooked otherwise.

We ended up making over a dozen offers in as many months, until we finally bought our current house. Allan’s help has definitely made our home buying process less frustrating, and given us the peace of mind that anything related to our loan is taken care of.

We would recommend Allan to anyone who’s in need of a knowledgeable, responsible and caring loan agent. Allan is a top-notch professional!
Katherina Lamothe recommends Christopher Baker
Real Estate Broker
Mar 4, 2015
Christopher Baker is an excellent loan officer. He is very knowledgeable, professional, helpful and push all necessary task to get the job done in an efficient manner. I have worked with Chris for the last 30 yrs in the capacity of many of my real estate transactions in addition to my own personal loans. All good experience and highly recommend him.
Shannon Halkyard recommends Debra Stedt
Mar 4, 2015
Debbie rocks! I got an awesome mortgage--fixed low interest rate and she made the process as smooth as any broker I've known, worked with, or heard of. She's professional, responsive, fast, and clear. Anytime I had questions about a form, paperwork, anything--she made it clear exactly what I needed to do and gave me ways to get things done quickly. She was also great when I was away from technology to provide some documents and we found a way to make things work when I had a mini-vacation in the midst of my last ref-fi. I've worked with her twice now and both times she beat all the competition, including my military credit union--whose rates always seem more favorable than any other bank. If you're thinking about a mortgage, you won't go wrong with her.
Sarka Sarkisian recommends Robin Patronik
Buyers Agent
Mar 2, 2015
Robin was very professional, responsive and got the job done quickly and thoroughly.
I would be happy to work with her again, my buyers were also VERY satisfied with her work.
Christine Bolt recommends Debra Stedt
Economics professor
Mar 1, 2015
Debra Stedt is an amazing loan officer. She is extremely efficient, always giving your loan application her complete dedication. She responds quickly to any questions and keeps you continually updated with the progress of your application. Ms. Stedt clearly explains all aspects of the loan process, including all the loan products that are available. In addition, she is easy and enjoyable to work with. I would recommend anyone considering refinancing or purchasing a home to use Mr. Stedt's services. She is the best!
Anne Sanguinetti recommends Robin Patronik
Thoroughbred Jockey
Feb 24, 2015
Robin was amazing. She got us our pre-approval in five days after we had been waiting over two months for a pre-approval that never came from a major bank. I am self employed, so our situation was more complicated than some. She then was able to accommodate a compressed closing schedule which we had wanted to make our offer more competitive. Once our offer was accepted, Robin kept everything on schedule or ahead of schedule, and we closed right on time. Her response time to all of our inquiries was great, and she really helped us get through the whole process (this was our first mortgage). We couldn't have been happier with Robin.
Alex Martin recommends Aisling Ferguson
Manager, Public Affairs
Feb 23, 2015
I highly recommend Aisling Ferguson to anyone looking for a hard-working, competent, get it done mortgage broker. I worked with Aisling for over a year while looking to purchase my first home and she was always patient with me and took the time to answer my questions thoroughly. Her experience and expertise in the mortgage industry was always impressive and gave me a leg up on the competition. Thank you Aisling for all of your help!
David Robinson recommends Orlando Diaz
Director of Catering, Four Seasons San Francisco
Feb 14, 2015
Orlando came highly recommended to me by my Realtor. I trusted Michael so I reached out to Orlando and received an immediate response. I belonged to a three unit TIC and we were starting our the condo conversion process so we needed someone to guide us through the process. Fortunately, Orlando was able to manage all three units during the entire process so it made the final steps a lot easier. Orlando was everything that I needed in a mortgage broker. I told him from the start that I had not been through this process before at this level and that I would need extra hand holding and care. He was attentive, supportive and was extremely patient in answering every question that may have seen basic to him, but extremley important to me. We now have converted and enjoying the benefits of being condo homeowners....thanks to the hard work and care that Orlando provided. Please note that the relationship has not ended. I still have questions and have reached out numerous times for advice and guidance. Orlando has continued to be responsive and extremely helpful. I absolutely would use Orlando again for my next refinance opportunity or the next time I am in the market to buy a home.
Richie Varga recommends Aisling Ferguson
Real Estate Agent
Feb 12, 2015
My client has looking to purchase his first property in San Fransisco for some time now. He decide that he was going to pursue the Los Angeles real estate market instead, where he's originally from. That's where I came into the picture. Having just met my client, I had to ask a few questions regarding his experience on purchasing, writing offers but most importantly...was he qualified. He told me that he had been working with a loan broker up there and that he was pre-approved and had previously made some offers on properties. Well, that's where Aisling came into the picture. I'm always a bit nervous at the beginning when working with a buyer and don't know their lender. Well, after a few minutes on the phone with Aisling, all nerves turned to confidence. Sharp as a tac, knows her stuff, always available and very easy and fun to communicate with. We were ready for loan docs in less than 15 days I believe. A true pro, great to have in you corner...especially when financing is the catalyst to any non-cash transaction.
Anonymous recommends Debra Stedt
Home Owner
Feb 12, 2015
Debra was efficient, informed, and helpful throughout the entire process. This is our third mortgage with her. We hope not to refi again, but if we do, we'll work with her again.
Leigh recommends Julie Malta
Feb 10, 2015
Julie Malta and by far the most exceptional mortgage broker with whom I have ever worked – she really goes the extra mile to make sure that you are able to make the most competitive offer and close the deal if you're buying a house or property, but not only that. She is so personable and so on top of things! I really felt well taken care of in every aspect of my dealings with her as she helped me purchase property in San Francisco. I have worked with several mortgage brokers on purchasing and refinancing properties in the bay area and Julie is by far the best. She will take care of you and see you through the entire process. I cannot recommend her highly enough! Work with Julie – you will not regret it!
James Kessinger recommends Aisling Ferguson
Feb 10, 2015
Aisling was an amazing person to work with to get our refinance completed. I've used Aisling twice now over the course of 10 years and I will always use her for any of my financing needs.

She performed like a conductor in an orchestra the way she had everyone working in unison while getting everything lined up to finally close escrow. If you ever get the chance to work with Aisling I promise you won't be disappointed. She will go above and beyond every time to provide the service and positive customer experience she's already known for.
Anonymous recommends Foster Weeks
Feb 9, 2015
From our purchased our house and two times re-finance. Foster always be our fist agent that we will think about. With his professional knowledge, he answers all our questions, provides quick service and best rate to lower our monthly payment. We're really happy and satisfied and you will fell the same.

We will strongly recommend Foster to be your loan agent.
Bibi Green recommends Orlando Diaz
Financial Analyst
Feb 5, 2015
I worked with Orlando on a very complex TIC conversion to condo project, which involved getting many parties together to refinance simultaneously. It was a very difficult project and he was organized, efficient, and unfailingly patient and professional with everyone. He also helped me with a new home mortgage and was just as great. I'm working with him now on a business loan and plan to continue to use him for all my loan needs. I highly recommend him to anyone looking for an efficient, friendly broker who always finds the best rates.
Peter recommends Debra Stedt
Inner Richmond homeowner
Feb 3, 2015
We had another great experience with refinancing our loan with Debbie Stedt. I believe this is the third time we've done so--refi for a TIC, going condo, and another refi. She's terrific and makes everything seamless.
Floy Dawson recommends Ron Fiore
Jan 31, 2015
This is the second time we have used the services provided by Ron Fiore and his staff at Guarantee Mortgage. Each time, they made the usually onerous task of getting a housing loan fairly uneventful by being forthcoming, informative, helpful and encouraging.

i would definitely ask Ron for his help in future such endeavors.
Anonymous recommends Orlando Diaz
Jan 30, 2015
Helped me immensely. Easy to communicate with and provided more options than another loan consultant did. Highly recommended.
Phill Hyun recommends Christopher Baker
Jan 30, 2015
Hi Chris;
Think you do much for your help and sound advise, u an really happy with my loan and look forward to more business in the future.

Jackie H recommends Suzanne Diliberto
Borrower and Wholesale Lender Account Executive
Jan 28, 2015
Suzanne is one of the smartest mortgage brokers/bankers I know. I have worked with her as a wholesale lender for over 25 years and there are only a few people I can say that about. She knows who does what and how to structure a deal. She's one of my go to's for brainstorming.
Michael recommends Aisling Ferguson
Utility Manager
Jan 27, 2015
Aisling has helped us get mortgages for five homes over the last 15 or so years. She knows how to get stuff done. When things don't go as planned, she knows the work-arounds to make sure it happens on time. She's fast and efficient. This last transaction was handled on the phone and by e-mail. We never had to go into her office to meet.

She's also gotten mortgages for a family member, and a friend.

I would and have recommend her expert services to family and friends.
David recommends Aisling Ferguson
Jan 27, 2015
Aisling has helped us many times over the years with home loans and refinancing. She is very efficient and a pleasure to work with. She always does an amazing job for us.
Ken Nehmer recommends Debra Stedt
Senior Manager, Regulatory Affairs
Jan 27, 2015
I highly recommend Deb Stedt as she managed the whole loan process quickly and efficiently. Deb was readily available to answer questions during the process and effectively explained items in understandable terms.
Gary and Annie Machado recommends Vince Breen
Jan 26, 2015
Vince and his team were so helpful in the home buying process. They really took a lot of the stress off our plates and worked tirelessly under tight deadlines to get the job done.
Asta recommends Ron Fiore
Home buyer
Jan 26, 2015
My spouse and I were so lucky to have Ron to help us with the purchase of our home in San Francisco. Ron was amazing! Can't recommend him highly enough!
Anonymous recommends Vince Breen
Jan 26, 2015
Great service and care. This team goes above and beyond to take of all matters in a timely fashion. Highly recommended.
Bryan recommends Ron Fiore
Software designer and real estate development hobbyist
Jan 26, 2015
Ron has been a big help from getting good loan terms to finding great people to bring my project to completion. His deep experience and dictionary memory have been great assets to helping me make decisions. He is a really busy person yet still finds a way to make himself available and seems to know things before I ask. In this business it's good to have a mentor and I think of Ron that way.
Ian Kallen recommends James Argo
Jan 25, 2015
Jim did a fantastic job smoothing the way through our refinance. Coordination with the appraiser, escrow company and everyone else involved went very smoothly to get us into a better loan that lowered our monthly overhead and better positions our family to enjoy our home for years to come. Thanks Jim!
Maggie Powell recommends Kathy Derangi
Jan 23, 2015
Kathy did an amazing job helping us get our loan together. I was so impressed, especially under the circumstances of me having a newborn baby (we literally made the offer on the house from the hospital), and it being in the middle of the Christmas hokidays. I cannot belive what she pulled off.
Claudius Reich recommends Kathy Derangi
first-time home buyer
Jan 23, 2015
I found Kathy Derangi and her colleague Debra Stedt through a recommendation from friends, whose mortgage and refi Debbie handled. Kathy and Debbie did an *excellent* job. From putting together a loan package within less than a business day (in time to get a very temperamental seller to sign), to handling the loan processing so smoothly that I had to remind myself that this is not normal, they were a pleasure to work with. Highly recommended.
L Anderson recommends Robin Patronik
Home Owner
Jan 21, 2015
Robin is exceptionally knowledgeable, competent and personable. I wouldn't go to anyone else for my mortgage needs.
Gary Diebel, AIA recommends Vince Breen
Jan 20, 2015
I am happy to recommend the services of the Vince Breen and his Guarantee Mortgage team. We have been working with Vince for over 20 years and have always been completely satisfied. He does an excellent job, is enthusiastic, reliable and dedicated.

Vince has our highest recommendation, and I am happy to furnish more details if you would like additional information. Feel free to contact me.
Aaron Sosnowski recommends Ron Fiore
Enterprise Sales
Jan 20, 2015
Ron took great care of me from soup to nuts. Not only did he take the time to sit down and educate me on my options, he also made sound recommendations and backed them up with logical reasoning. Ron is a seasoned professional that you can strategize with over how to best invest in property and you can tell from working with him that real estate financing is in his DNA. I highly recommend Ron Fiore.
Tom & Yvonne Sullivan recommends Vince Breen
Home owners
Jan 20, 2015
After living in our house 12 years, it was time to do some necessary upgrading and remodeling, and we wanted to take advantage of the excellent rates and refinance. Vince Breen of Guarantee Mortgage and his staff made the process simple. The people at Guarantee Mortgage are thorough, thoughtful, and pleasant to work with. They explained every step and kept on top of all deadlines, allowing us to close on-time. I would recommend them to anyone who needs to refinance.
Sylvia Burgess recommends Aisling Ferguson
Floral and event decor Business owner
Jan 15, 2015
Aisling was the only person who was able to secure my refinance. I made at least 5 attempts with brokers or banks prior to working with her. She was amazing and knows how to get the job done. I highly recommend her!
NPV recommends James Argo
Jan 14, 2015
Jim did a great job of guiding us through the mortgage process, and we would highly recommend him.
Bobbie Peyton recommends Foster Weeks
Jan 14, 2015
As a first-time home buyer, Foster was invaluable to me, walking me through each step of the process. In a tough housing market, Foster created a smooth and streamlined process, with very little stress. I plan to use Foster's services in the future and highly recommend him to others.
Gaynor Strachan Chun recommends Ron Fiore
Jan 10, 2015
Ron and his team worked tirelessly to get us a mortgage in what was a tricky situation. We can't thank them enough.
Anonymous recommends Ron Fiore
Jan 9, 2015
Ron Fiore provided expert service while I worked my way through the complicated process of buying a home in San Francisco. He listened carefully and located the right loan for my needs. In addition, Ron worked closely with the real estate agent to make the purchase happen in a timely manner. On top of that, Ron understands that buying a home is building a community. I can't imagine having worked with anyone but Ron Fiore! I highly recommend him.
Ray Chipault recommends Larry Horowitz
Jan 8, 2015
We had an incredibly complicated refinance along with a secondary loan that was on a very tight deadline and Larry got us through it al with room to spare.
This the third time we have worked with him and he is thorough and precise.

I would highly recommend him for any type of mortgage endeavor!
Jane Aaron recommends Larry Horowitz
property owner
Jan 8, 2015
Larry recently brokered about the fifth refinance he's done for me over the years, in addition to obtaining the original loan. He's helpful, clear, and responsive, and he gets the best deals available. He's friendly and professional. Working with him, you feel you're in good hands throughout the process. I couldn't recommend him more highly.
J.L. Rubenstein, M.D. recommends Ron Fiore
Jan 6, 2015
Ron provides an outstanding service and has an outstanding team.
Anonymous recommends Ron Fiore
Jan 5, 2015
Ron provides an outstanding service and has an outstanding team. Highest recommendation.
Ayeh Ghadiri recommends Vince Breen
Jan 5, 2015
Vince did a great job helping us get financing for our new home. Thank you Vince and we'd love to recommend you to all our friends.
Tammy recommends Aisling Ferguson
Jan 5, 2015
I was very impressed by Aisling's hard work and drive to put everything together with such a short loan contingency period! She was very professional and on it from day one. You can expect a smooth process when working with Aisling. I definitely recommend her!
Mary recommends Debra Stedt
Dec 31, 2014
Debbie always does a thorough job, this time she did some scrambling to accommodate 11th hour changes that we threw her way, amazingly getting papers re-drawn and still closing on time!
Scott Budow recommends Guy Rivera
Manager at Tri County Auto Glass
Dec 23, 2014
Guarantee Mortgage got it done when others said it could not be done. Not only did they get us a mortgage, they also set us up on a overall financial plan to get us into our house with money in the bank and most of our debt paid off.Guy Riviera and the staff were very patient, friendly, thorough and understanding. They were an integral part of making our dream home a reality. Thanks Guarantee Mortgage!
D. Baker recommends Christopher Baker
President, Kohl Marketing Inc.
Dec 22, 2014
Chris is a pleasure to work with, and goes the extra mile in all situations. He has a clear knowledge of the market and the procedures needed to close complex financing. I would use Chris again for my next home or commercial loan.
Anonymous recommends Allan McAllister
Dec 21, 2014
Allan has been excellent to work with each step of the way. He asked incisive questions to assess the scope of my husband's and my properties, and then guided us through the options from a neural stance -- with no pressure to choose one over another. He was always available to provide answers and clarity. Once locked into a rate he kept the documents moving at a good pace and after signing the typical mountain of paperwork I'm happy to have a lower monthly payment. I especially appreciated Allan's good humor and calm demeanor, and intend to work with him again soon on a new equity line. Many thanks, Allan!
Mickey recommends Aisling Ferguson
Dec 18, 2014
I have used Aisling Ferguson a couple of times now as my mortgage broker and I couldn't be happier with her services.
Aisling works extrememly hard for her clients and always with a positive, helpful and understanding attitude. She works diligently to ensure her clients individual needs are met within an organized and timely manner.
I would recommned her to anyone looking for a knowledgable, experienced and highly profient broker.
Lilian recommends Guy Rivera
Dec 18, 2014
After over a year of searching I found the perfect condo for myself and my son. I quickly put in an offer and by the end of the open house there were two others on the table. We quickly heard back from the listing agent - this condo is in an AE flood zone and because the HOA didn't cover flood insurance for the common areas it was going to be difficult to get a loan. The bank I was pre approved though confirmed they would not be able to finance this loan. I called bank after bank and no conventional loan would work. I was in a race against the clock, if one of the other offers were able to find a loan before me or if an all cash offer came in I would lose my dream home... that's when my real estate agent referred me to Guy Rivera at Guarantee Mortgage. I reached out to him and the next morning I had a pre approval stating that even with the special flood circumstances they could get it done. We sent the pre approval in and that night my offer was accepted. The whole team was great to work with; Lori, Halima and Vittoria were always so sweet and let me know exactly what they'd need from my by when in order to stay on track to close. I closed this morning and couldn't be more pleased - I'm so grateful I found Guy!
Annette Goodfriend recommends Aisling Ferguson
Agent representing the Buyer
Dec 17, 2014
Aisling was a wonderful asset during this transaction.
We had a lot of maneuvering to do with a difficult Seller, but Aisling was able to get super quick loan approval and had docs ready overnight. She made the transaction a breeze, and was fun and easy to work with. I'll be taking my future clients to her!
Gaylee Weinberg recommends Kara Fiore
Dec 16, 2014
Kara is absolutely the best! Her professionalism and expertise is beyond anything I've ever experienced as a Broker/Real Estate Coach. She has been helping me buy and sell and invest in Real Estate for almost 30 years.
Pete Shilaimon recommends Aisling Ferguson
Dec 15, 2014
No one does it better. i have used Asling in the past and she always delivers.

Caroline Kahn Werboff recommends Aisling Ferguson
Sotheby’s International Realty
Dec 15, 2014
Recently, I had the opportunity to work with Aisling on a loan for my clients. It was a special circumstance due to the fact that one of my Buyers was only at his current job for one year and the other was on loans with family members. So, the verifications and satisfying the lender was not an easy task.

Aisling never complained, was on top of the transaction from the beginning and was true to her word during the entire process. Loan documents actually came in earlier than expected and we closed the escrow without any problem.

I would not hesitate to go to Aisling with any of my clients and I appreciate her hard work and attention to detail.
Laura Drammer recommends Guy Rivera
Dec 12, 2014
Guy Rivera and his team at Guarantee Mortgage are so efficient and helpful. Their response time is immediate and their attention to detail very thorough. I have had great success, both personally and professionally with Guy and his team. I would highly recommend Guy and his team at Guarantee Mortgage for your financial mortgage needs.
Laurel Rose recommends Guy Rivera
Dec 12, 2014
I was referred to Guy Rivera by a friend who raved about him. She was right. He worked hard to get me the best loan possible. His office staff are terrific as well. Someone was always available no matter how many times I called with questions. I have already recommended Guy to others and will continue to do so.

Kristin Mattias recommends Donna R Aldrich
Busy Mom
Dec 8, 2014
Hi Donna!

Just a quick note to let you know that I can't stop smiling. We have so much gratitude for you and your kick ass too ;)). If you are ever in the neighborhood please come by, would love to have you over. We are moving in about 2 weeks so exciting! I'm sure Eddy will be calling you with another question soon lol so I know we will stay in touch. But wanted to reach out and give you a huge thank you and a huge hug! You did so much for our family. Tis the season of abundance, prosperity, and love! Merry merry xo Kristin and the crew
Michelle Cilia recommends Donna R Aldrich
Marriage and Family Therapist
Dec 5, 2014
My husband and I are very pleased after working with Donna to secure a home in San Francisco. As first time home buyers with very little knowledge of the process of buying a home, we were consistently met with patience from Donna. The process was long and at times stressful. Donna kept her sense of humor throughout the process and made it as painless as possible. She was incredibly responsive to emails and calls and was there for us every step of the way. We had to go to her office several times to sign paperwork with a squirmy toddler. Donna was able to keep him happy and entertained; no small feat!
I would highly recommend Donna. She is warm, personable and highly professional.
Claudius Reich recommends Debra Stedt
first-time home buyer
Dec 4, 2014
My friends recommended Debra Stedt, who had done their mortgage and later their refi. Debbie, and her colleague, Kathy Derangi, did an *excellent* job. From putting together a loan package within less than a business day (in time to get a very temperamental seller to sign), to handling the loan processing so smoothly that I had to remind myself that this is not normal, they were a pleasure to work with. Highly recommended.
William Vigna Jr. recommends Donna R Aldrich
CFO, Donaldina Cameron House
Dec 4, 2014
I cannot say enough about Donna!

She was professional and personal at the same time. She weathered, with me, a sell/buy situation that lasted almost 4 months. Throughout the process she answered my questions and was timely in her responses. Explained the process' and was just a delight to work with.

Also, the sellers of the property I purchased was very delighted that I was using Guarantee Mortgage to fund the sale. It pushed my offer forward to acceptance.

Please use Donna for all your mortgage needs!
Lorenzo Jones recommends Suzanne Diliberto
Owner of Property
Dec 1, 2014
I had the pleasure of working with Suzanne Diliberto as we were looking to fund a purchase for our apartment complex. We found Suzanne to be professional, knowledgable and prompt in looking out for our needs. Her knowledge of funding, resources available and the documentation process allow our transition to go through very smoothly!

I would recommend Suzanne to any individual or company looking to secure funding for their next project. We certainly will be using Suzanne again.

Thanks Suzanne

Lorenzo Jones
Joey Knapp recommends Aisling Ferguson
Teacher and first time home buyer.
Nov 28, 2014
My wife and I are so happy to have had Aisling handle our mortgage application. Aisling was very good about letting us know exactly what part of the process we were in and what our next steps were. She made the process very easy for us, and we never had to worry.
Anonymous recommends Alma Portillo
Nov 24, 2014
My name is Joseph Watkins and I am submitting this writing that Alma Portillo was very
helpful to me in my refinance of my home.
She is very knowledgeable with all the information for the best rates and mortgage companies. I would very much recommend Alma Portillo to any one who is looking to
refinance there home.
If the rates are lower later in the near future, I will ask her for help to do it again.
Hunter Lane Treadwell recommends Aisling Ferguson
First time home owner
Nov 20, 2014
Aisling was referred to us by two VERY TRUSTWORTHY sources and it was the best decision we could have made. The referral was no coincidence, everything happens for a reason. Aisling had to clean up a big mess of mistakes our first mortgage company made and under a quick deadline to turn around. Aisling is professional, experienced and a master of her profession. Working with Aisling was a much different experience than our prior company we worked with. Thanks to Aisling we got our dream home in our dream location during San Francisco's hottest market ever... Seriously. If we ever buy another home again, we will be calling Aisling.
Mark Sejvar recommends Aisling Ferguson
Nov 18, 2014
Aisling’s unique ability to navigate the complex world of mortgage refinances, find the very best rates, explain the options then close the deal is extraordinary. We have worked with her multiple times and always feel like she takes first-class care of us. Thanks Aisling!
Shelviv recommends Robin Patronik
Nov 17, 2014
This is the third or possibly fourth time I have use Robin for my refinance needs.
She is excellent at communicating loan status at the various stages both through email and phone. The process moves quickly and on schedule as promised.
Full doc loans are excruciatingly detailed but mine did result in the expected result, in my case, with an even lower interest rate than initially quoted.
You can't go wrong with Robin.
Anonymous recommends Alma Portillo
Real Estate Broker
Nov 13, 2014
Alma did a great job of arranging the financing for a Condo in a very timely manner. Quickly, smoothly and efficiently!
Evan M. recommends Rich Polonsky
Nov 13, 2014
Couldn't say enough good things about Rich Polonsky. For one, he is extremely knowledgeable in his field of work. Reliable, professional and commendable. We've run the whole marathon of finding the perfect match to help us purchase our dream home and we simply found it in him. We couldn't be any happier. Anytime someone cares about your purpose beyond closing a deal, it is truly worth giving it a shot.
Ben Amyes recommends Debra Stedt
Disaster Planner
Nov 7, 2014
Debbie has been great to work with. At every step she is there to explain the process and discuss what is the best course of action to take. She listens to her clients and skillfully advises them on the best course of action to take.
Debbie is punctual. She responds quickly and does what she says that she will do. We have used her three times, and I would use her again. She has been a vital part of our real-estate team. Our hats are off to her, and her team.
Sheela recommends Alma Portillo
Nov 6, 2014
I highly recommend Alma Portillo. She's not only extremely professional but goes far above and beyond her role. We recently purchased a short-sale property that was a particularly challenging case. The property was tied to a third party that made things extremely difficult for everyone involved. It took us 6 months to purchase! But this property was the one for us. Alma was instrumental in obtaining our new home that we wanted so bad! From the beginning she was extremely helpful. She prepared our per-approval to shop around. Then we found the property we wanted. She provided us multiple loan scenarios upon multiple requests which helped us and our realtor negotiate.

Alma was more than reliable she's an expert in her field! When questions, surprises and challenges came up, Alma was ALWAYS available to answer my questions especially when I couldn't reach the realtors. She always put my mind at ease. At time of closing she was well aware of the deadlines, expiration of approvals and managed all the many moving parts flawlessly! And of course she got us a very good loan. Thank you comes short for how much I appreciate what she's done for us! I HIGHLY recommend Alma.
Mary recommends Debra Stedt
Nov 6, 2014
As always, Debbie had great follow through and communication. Exceeded timelines for loan approval and close of escrow and was a pleasure to work with.
Tree Allen recommends Debra Stedt
Nov 6, 2014
I worked with Debra for the first time and she went above and beyond my expectations. Everything was done before the timeline required and any changes in escrow due to seller were handled without any issue. Phone calls were promptly returned and she was always solution oriented. I would recommend her in a minute !!!
Todd Repp recommends Kara Fiore
Nov 5, 2014
Thanks for helping me through this process. It was definitely a learning experience, and you helped me get over the hurdles so much easier. Heidi was very complimentary too, and made sure to point out just how "on the ball" you were compared to some of the other people she's dealt with in your position.

I can't wait to get over there next week to start setting up MY house! :)

Thank you so much for everything!
Robert and Janet Hagberg recommends Rich Polonsky
Nov 5, 2014
Rich was the most helpful person we have ever dealt with. Our refinance was over and done with in 3 weeks. He filled out all the paperwork and guided us through any little obstacle immediately. We will recommend him to anyone we know that needs a loan. We got to know him professionally but also became friends. He is the best!!!!!
Chris and Wendy recommends Rich Polonsky
Nov 4, 2014
Rich Polonsky has helped us several times throughout the past 15 years. He is professional, knowledgable and incredibly efficient. He makes complicated transactions happen with ease and provides the utmost confidence for his clients.
Rod Hemphill recommends Debra Stedt
Nov 4, 2014
I recently refinanced my home mortgage with Guarantee Mortgage and I would like comment that it was a pleasure working with Debra Stedt to accomplish this.

I have worked with Debra before when I bought my home and again through this refinance and each time she brought her considerable knowledge of the industry to help me choose the right loan for my needs. She patiently explained the details and process at every step so that I was confident I was making the right decisions. When I decide to do this again, there is no question I will call her and also recommend her to anyone I know who is seeking advice on their mortgage.

I can't thank her enough for all her help.
Mark & Gordon recommends Donna R Aldrich
Nov 3, 2014
What can we say other than fast, efficient and friendly! We are happy to take some time out of moving day today to recommend Donna. We are sending this right now from our new living room! What a wild ride buying a house can be, and what a pleasure to have Donna to guide us through the loan process. We had complete confidence in her pulling things together for us, and it put us at ease that the seller’s agent had worked with her before as we had to delay lifting our inspection contingency and were nervous about it not working out. And, what a fun signing! Thanks, Donna!
Nicole recommends Ken Dean
Small property owner
Nov 1, 2014
Ken is amazing! he's a miracle worker. He's been in this business for a very long time and knows all the in's and out's of the game. I have gotten two mortgages from him in the last 2 yrs and both times it was a seamless and painless.
Unlike most mortgage brokers, he's honest and looks out for you; not himself.
I would recommend Ken to EVERYONE!
Lisa Anne Eckert recommends Christopher Baker
Real Estate Broker
Oct 30, 2014
Chris Baker has managed to take the stress out of the loan process for myself and my clients. His work ethic is amazing, always responds , day or night, even on weekends.

I can't emphasize enough how comfortable I am knowing he is taking care of the loan process.

His patience and knowledge is deeply appreciated during the most stressful part of the sales transaction.
Keith recommends Alan Kirth
Oct 30, 2014
I would highly recommend Alan to anyone ready to begin the mortgage process or to anyone who is considering buying in the near future. I spoke with Alan several months before finding a home and his knowledge and advice had me prepared when we began the mortgage process. With Alan as your lender you are in good hands. Communication is his strength and he will make sure that you are updated as to the progress of your mortgage. In addition to his knowledge and communication skills he is truly a pleasure to work with. I trust him and highly recommend him.
Rita Roti recommends Debra Stedt
Oct 29, 2014
Recently, I was contacted by some buyers out of the blue. I had helped them in the past, and when they walked into an open house and wanted to make an offer, they called me. They had just finished their condo conversion refinance with Debra, so we connected her for their purchase.
As a Realtor, I work with a lot of mortgage brokers, but Debra really dropped everything to make it happen for these clients. She pulled off a hard loan and really did a great job selling her ability to the listing agent as well.
Throughout the transaction, Debra communicated clearly and in advance of any timeframes, so everyone involved always knew what to expect.
Debra delivered as promised and did a great job throughout!
Scott recommends Cecelia Tyeskey
Oct 24, 2014
Excerpt from a recent thank you note:

Hi Cecelia,

Just a quick note to thank you for our phone conversation on Friday. The call was fantastic and the information was extremely valuable, as always. I truly appreciate the time you spent with me.

I realize such time isn't directly "billable" but firmly believe you must make up for it in repeat and new business. I am grateful for your willingness to share and educate folks as they navigate the craziness that is the Bay Area real estate market.

Thank You!
Gordon Jensen recommends Debra Stedt
Home buyer
Oct 23, 2014
Debra did a very good job for us in obtaining a loan. She was efficient and helpful even though she was working at a distance from her office. I would certainly recommend her to others seeking a loan
Cassandra Smith recommends Christopher Baker
Realtor, Intero Real Estate
Oct 23, 2014
Chris Baker did a great job getting my loan. My loan did not fit other bank's criteria and I was turned down for a loan. Chris not only told me he'd get me a loan, he delivered on that promise. As a Realtor, I always tell my clients, work with a lender or mortgage broker who can deliver the loan, not just a pre-approval. Chris delivers! I highly recommend Chris Baker.
Kari recommends Robin Patronik
Oct 21, 2014
Robin is so awesome to work with. She is always on top of everything. She contacts us and checks in a couple times throughout the year. She makes sure that we are taken care of and helps us get the best possible outcome for our situation. She's attentive and so reliable. Most people dread the refinancing experience and I have to say every time we have gone through the process Robin has made is super easy and efficient. She's amazing!
Krista Baughman recommends Aisling Ferguson
Oct 20, 2014
Aisling was a pleasure to work with. This was the second home I purchased, with her help, and both transactions went incredibly smoothly, thanks to her professionalism and promptness. She helped my husband and I to successfully meet a quick close deadline, which enabled us to get the home of our dreams. I would highly recommend Aisling and hope to work with her again.
Kim Carmassi recommends Aisling Ferguson
Coldwell Banker
Oct 16, 2014
As a Realtor, I work with many different lenders, and I found Aisling to be
extremely responsive, and effective at getting the job done! She always
returned my calls in a timely manner when she wasn't able to pick up her
phone, and when she told me she was going to do something, she actually
did it! I highly recommend Aisling for your next real estate transaction!
Gareth Ivatt recommends Cecelia Tyeskey
Head of Analytics Development, Thomson Reuters
Oct 15, 2014
We have worked with Cecelia twice now. The first time was when we bought our home many years ago. The second was just recently when we decided to refinance. She has been amazing to work with both times. For the original purchase and the refinance she found us a loan package that represented what we were hoping to find. During the process she makes sure you know exactly what is required and if any issues arise she goes above and beyond to resolve. We feel very lucky to have had Cecelia helping us as we make these big decisions.
Anonymous recommends Alma Portillo
Oct 15, 2014
Alma Portillo was a great asset in helping us receive our first time home buyer mortgage loan. She continuously stayed in contact each step of the way and was patient with us, as we were new to this arena. She eased our worries & anxieties, especially during the waiting process. She was a guiding light for us and we would recommend Alma to all those looking for a mortgage loan.

Alejandro & Veronica Mercado
Justin Sherbon recommends Debra Stedt
President & Founder, Sentinel Security Solutions Inc.
Oct 14, 2014
Debbie was so great to work with! She made everything effortless through the whole process. Her level of expertise, professionalism and communication skills sets her apart from any other loan consultant I have worked with. I would highly recommend using her for any of your mortgage needs.
Justin Steele recommends James Argo
Manager at Google
Oct 10, 2014
Jim is a class act and gentleman (hard to find in this industry!). When my original lender decided he couldn't do a 30 year fixed one week into escrow, Jim stepped in and worked his magic. He mobilized his team and quickly offered us a competitive 30 year mortgage. He's been lending in San Francisco for 30 years and is viewed by locals as a go to expert for mortgage lending.
Anonymous recommends Guy Rivera
Oct 9, 2014
Guy Rivera and his staff have provided extremely efficient, calm lending services, in a very difficult market for obtaining a home loan. Each and every professional in this office, has up to the minute knowledge of how to accomplish home owning goals...we cannot recommend this office highly enough.

Michael recommends Debra Stedt
Oct 8, 2014
This was the second time working with Debra. The first time was to purchase my house and then recently to refinance my mortgage to take advantage of lower rates. She was very helpful on the front end and answered questions before I made the jump to refinance. I was on the fence about refinancing , but now I am glad I did. It was a lot easier the second time.,

She is very organized and professional. She told me exactly what I needed to provide in a timely manner. She now has an easy and secure upload site to deliver documents. She has a good team working for her as well as recommended appraisers, title companies, etc. In both cases, I felt that I was in good hands.
chip usas recommends James Argo
customer / friend
Oct 7, 2014
"Super awesome - and I mean that on a professional and personal level. He will follow through in a timely fashion, crossing all the T's and dotting the i's"
CHIP USAS recommends James Argo
Oct 7, 2014
Brent L. recommends Cecelia Tyeskey
Oct 6, 2014
Cecelia was highly recommended to me by a friend who worked with her to purchase his last two homes in San Francisco. Cecelia did an absolutely amazing job guiding me (second time buyer; first time in SF), providing support, and walking me through the financial side of purchasing a home in San Francisco. The time to close was phenomenal, the service was impeccable, and Cecelia was absolutely wonderful to work with. I highly recommend her!
Anonymous recommends Guy Rivera
Oct 3, 2014
Guy and his wonderful team helped us save our home. Their prompt response to emails and thorough explanations took the anxiety out of this process. They are amazing!
Stephen Elmore recommends Debra Stedt
Oct 1, 2014
I used Debra for my initial mortgage. There was no question I would use her for my re-fi. Although I'm a banker, I do not deal in mortgages. Debra explained everything thoroughly, explaining all options clearly without treating me like a fool. Document submission was a breeze, and the entire transaction was done quickly with minimal hassle. Dealing with all that paperwork can be quite daunting, but Debra and her colleagues were there every step of the way to assist. I know processing mortgages is a commodities game, but I was treated as if my transaction really mattered. To me, that is impressive. Recommend Debra Stedt highly!
Dennis Schroeder recommends Aisling Ferguson
Sep 30, 2014
I have known Aisling Ferguson for a long time and I know how hard she works for her clients, so I expected good service, but she exceeded my expectations. She got me the lower rate, which was the purpose of the refi. But what most pleased me was how painless she made the process. I sent her the docs she asked for, and she took care of everything else, until it was time for me to sign the closing papers. No resending, or having to dig up more info. I would recommend Aisling to anyone looking for a mortgage or refi.
Leslie Faught recommends John Culver
Sep 29, 2014
Thank you for helping my first time home buyer purchase her new home! Your expertise and guidance was stellar. I am looking forward to working with you again soon.
Andrew Ness recommends James Argo
Sep 27, 2014
James provided excellent help getting my first mortgage. I didn't know anything about the process and he explained everything to me and made it very easy. He worked hard to compare many options in order to find the best deal for me. I highly recommend him to anyone looking for a mortgage!
Michael Gray recommends Aisling Ferguson
President, Socratic Technologies, Inc.
Sep 24, 2014
Aisling was an absolute pleasure to work with. Refinancing can be quite a challenge today, but she was extremely responsive both to the needs of my bank, which made them very happy and confident, and to me of course which made me very happy. The process could not have gone more smoothly and we had no delays in getting into and through Escrow. I have no reservations recommending Aisling, and in fact, have done just that directly to my business partner today.
Jen recommends Guy Rivera
Sep 22, 2014
Guy is the easiest and most knowledgable mortgage broker I have ever had the pleasure of working with. Our refi went according to schedule and was absolutely painless. Guy managed to get us almost $1700 in credits toward closing. He also worked out solutions to a couple of sticky issues with ease so that we closed on time and without constant demands for additional documentation. Communication was excellent, deal terms were excellent, overall an excellent experience because Guy knows what he's doing.
Dan recommends Larry Horowitz
Sep 20, 2014
I've worked with Larry on three property purchases and wouldn't consider switching to anyone else. I know he's always got my best interest at heart and is great a guiding me through the process. He's always well informed of market conditions that could affect rates and gives excellent counsel. With Larry, you know he's got your back!
Lynne Watenpaugh recommends Foster Weeks
Sep 19, 2014
I just completed refinancing my house. I couldn't have done it without Foster Weeks' help. He was knowledgeable, attentive, and found me a loan with a much lower interest rate. Whenever I had a question his answers were clear and straightforward and free of "financial buzz speak." He made the entire process manageable and stress free. I recommend him highly.
Paula recommends Debra Stedt
Sep 19, 2014
Debbie & Kathy are the best.. They made my loan process of my purchase EASY & less painful.. I had such a great experience this time vs previous painful transactions with other Lender.. I would always go back to Debbie & her team.

Btw, not to mentioned instead of being on time/delay closing.. We closed earlier than scheduled!! THEY ARE THE BEST TO WORK WITH... VERY PROFESSIONAL & EFFICIENT..

Shay OReilly recommends Aisling Ferguson
First time home buyer in a crazy market
Sep 17, 2014
Aisling helped guide us into our first home through prompt, clear direction and support. Through many offers she was always right on top of our requests and drove our eventual loan to completion despite several challenges. She is extremely responsive and fast moving but also took the time to clearly explain the parts of the process I was unfamiliar with or had questions about. I'm very happy with the work she did for us and would use her again.
Jessica H recommends Aisling Ferguson
Sep 17, 2014
Aisling was amazing to work with during our home purchase. As a new buyer to the Bay area she explained the process clearly, made sure I understood all of my options and managed the process from beginning to end flawlessly. I would highly recommend Aisling Ferguson to anyone looking for a mortgage.
Kat McConnell recommends Guy Rivera
Home Buyer
Sep 17, 2014
We have secured four loans through Guarantee Mortgage over the last four years and the service provided by Guy Rivera’s organization has been outstanding in every way - from great rates to timely processing. Two of our closings were very short turn-arounds at the request of the sellers, but Guy’s team was unfazed by the complexity or time constraints of the deals.
If you need the impossible and you need it done yesterday, Guarantee Mortgage is the team to call.
Anonymous recommends Orlando Diaz
Sep 15, 2014
Best person I have worked with. Cool and calm under all circumstances... My re-fi was a tough one...took months but under Orlando's guidance we finally prevailed....Amazin experience with him.

I totally recommend him !!!!!

Derek St. Onge recommends Debra Stedt
Sep 15, 2014
Debbie was excellent to work with. Buying and selling property in San Francisco is so painful but Debbie helped us find the right loan for our needs. She was very responsive and timely and we were able to close a week earlier than planned. I wouldn't hesitate to recommend Debbie to my friends and look forward to working with her in the future.
Elan Katra recommends Julie Malta
Market research consultant
Sep 11, 2014
Julie was such a huge help through my entire house purchase process. This was my first time buying a house on my own, and she gave me such peace of mind as she helped me navigate the process. She got me quickly pre-approved so that I could move quickly in this super competitive housing market, stayed on top of the lenders to get me the best rate come time to actually fund the loan, and helped me close escrow in an astounding 17 days. And she came to my closing so I didn't have to go through it alone. I recommend Julie without hesitation, and have referred several realtors to her when they could not believe how quickly she got escrow closed.
Anonymous recommends Vince Breen
Sep 11, 2014
By far the best loan broker I have ever worked with. He is efficient, professional and reliable. Thank you for help over the years!
Richard Wood recommends Orlando Diaz
Business owner , recent home buyer
Sep 11, 2014
I cannot recommend Orlando highly enough. He's smart, thorough, always follows through. Amazing attention to detail. Gets things done yet in the nicest possible way. Went way, way above and beyond for us with our mortgage and home purchase. Definitely one of the good guys!
David Rekart recommends Robin Patronik
President of Pacific Color Graphics
Sep 11, 2014
Robin's service and knowledge was the best I have ever experienced in refinancing our home. I would recommend her services to anybody interested in mortgage related loans.
A true professional!
Steve Murray recommends Larry Horowitz
A very satisfied customer
Sep 10, 2014
Larry has negotiated two re-finances over the years of our great friendship. When it comes to business, there is no one most efficient, professional and accommodating than Larry. He walked me through every step of the transactions, detailing the processes and reasons behind each maneuver. I was kept informed of choices, directions to proceed and final results . ReFis can often be daunting and overwhelming. with Larry, I always feel well taken care of, even pampered. My results were positive and the procedures made easy and comfortable. Larry is the only Mortgage Broker I will ever use for future business. - he's that good at his job.
T.S. recommends James Argo
Sep 4, 2014
About a year ago, we talked to Jim about a re-fi and at the time, he advised us that the rates just wouldn't be good enough to make a difference. He had all our information so when I called him out of the blue to begin a new mortgage on a home, he was able to run everything quickly and get us a pre-approval. The final process for closing was not easy - over a holiday weekend with the bank making errors in the loan docs - but he made a committment to our closing date and he met it. I am not sure what levers he had to pull to get things done in time but he did it and we are grateful.

Jim is great to work with and we will gladly work with him again and recommend him to others.
Jeff Dorsey recommends Foster Weeks
Sep 2, 2014
I called Foster to assist a family member with a refinance. He was very honest about what was available on the market and he set very reasonable expectations for all involved. The loan process was seamless and Foster guided everyone through it with ease. As the closing date approached all was in order and there were no surprises. He delivered on every promise and my sister-in-law could not be happier with her new loan at a monthly savings of over $700! I highly recommend Foster for any of your financing needs.
Steve Roger recommends James Argo
Client of James Argo
Sep 1, 2014
I can't say enough about Jim. I've gone through the refinancing process with him three times now in the last 10 years. He clearly explains options and gently guides you toward the best choices and makes the whole complicated process as easy as possible for his clients. He is always available when you have questions, generously gives of his time, and never makes you feel like you are imposing on him. I highly recommend Jim and Guarantee Mortgage for your home financing needs.
Gary and Lone Foss recommends Orlando Diaz
Retired Executive; Company Manager and Director of Business Development
Aug 30, 2014
In the world of financing/refinancing you need someone to become your resource and guide. Orlando fills these roles admirably. Once we began working with Orlando, the process became clear and his helping hand made the process easier to work with. He communicated with us at all times and we never felt that we lost control nor felt overwhelmed. With Orlando, we kept our eyes focused on our goal to obtain a bridge loan, and we trusted him that we got good information at the right time to make our decisions. No surprises, a very professional person to work with and we'd recommend his services to anyone seeking his services.
Clifford Joe recommends Orlando Diaz
Aug 29, 2014
Overall satisfaction: 5/5
Promptness: 5/5
Knowledge: 5/5

We will do business in the future when we're ready to re-finance. Thank you Orlando for all your assistance.
Denise Horner recommends Orlando Diaz
Realtor for the Buyer
Aug 29, 2014
Orlando was wonderful to work with. My clients (buyers) did a bridge loan and they are happy that the process was very easy. I would definitely recommend Orlando for your real estate loans.
T M recommends James Argo
Freelance Mortgage Reporter
Aug 27, 2014
Without question, Jim Argo is a uniquely knowledgeable and credible mortgage professional who manages to stay on top of an ever-changing industry. As someone who regularly connects with dozens of people in Jim's line of work, it's always refreshing and encouraging to know he will give straight answers - with a little flair, too. I can only imagine how well he treats his clients, who must benefit tremendously from having Jim in their corner.
Stephanie Wong recommends Aisling Ferguson
First Time Borrower
Aug 27, 2014
Aisling made the process so smooth and seamless. She sent us the required documents and responded to our questions very quickly, even on weekends, and late at night. I highly recommend her to take care of your mortgage needs!
I Glidden recommends Aisling Ferguson
First Time Owner.
Aug 27, 2014
When looking for a mortgage broker we cannot recommend Aisling more highly.

She not only impressed us the first time buyers, but also our seasoned agent.
She tells you what she will need and when she will need it making your part of the process all that much easier.
We had many questions during the process, at about every turn, and Aisling is able to not only give you the answer but put it in terms you'll understand so that you can make the best decision for yourselves.

We'll look no further in the future.
Sharon Saffel recommends Foster Weeks
Aug 15, 2014
During two separate refinance processes (which took place several years apart), Foster Weeks guided us through the process with utmost professionalism and expertise. We would definitely work with him for a third time! He is a skilled communicator and very easy to work with.
Marlene Bailey recommends Debra Stedt
Owner, Ocean West Homes
Aug 15, 2014
Debra was very professional and a pleasure to work with on this transaction. We will be bringing our clients to Debra for their loan needs. It is nice to meet someone who truly cares about getting the job done right!
Dr. Kathleen A. Hartford recommends Aisling Ferguson
Retreat facilitator / Author / Integrated Wellness & Weight Loss Practitioner
Aug 14, 2014
Aisling organized an out-of-state mortgage for us...3 of small feat. She handled things seamlessly and with great commitment. I'd recommend her highly to anyone!
Keith Skellig recommends Aisling Ferguson
Aug 14, 2014
Aisling had excellent results securing us a home loan in a very short periods of time. She even took care of the smallest details like caring for our pet bird while I was transitioning from one home to another
Aisling is an amazing resource
Eric Olson recommends Vince Breen
homebuyer, Redwood City
Aug 14, 2014
I am a repeat customer of Vince's - he and his team have always delivered. Vince is a great communicator, extremely responsive and a terrific advocate. I strongly recommend Vince and the Guarantee Mortgage team.
Michael and Catherine Secour recommends Foster Weeks
Retired homeowners
Aug 12, 2014
We contacted Foster Weeks to initiate the process of refinancing because he has kept us informed in the past with periodic mailings about mortage rates.

We appreciated Foster's professional attention to our refinancing experience. He was extremely helpful and informative in assisting us with our options and guiding us through the steps required to complete the process.

Because of Foster's efforts we have accomplished our goal of consolidating our loans at an extremely favorable rate. We are very pleased.
Benjamin Amyes recommends Debra Stedt
Disaster Response Manager
Aug 12, 2014
I have used Debbie twice now to mortgage property. The second was the refinance of a tenancy in common to a condo. Because of the antics of my partners, the conversion took much longer than it should have.
Debbie was patient, professional and understanding. She took the time to explain our questions, no matter how basic they were. When a roadblock appeared, she would problem solve with us and work on how to fix it. She returns emails and phone calls promptly, and we were never left in the dark on any issue. Once we sell out current unit, we will be going back to Debbie for a third time when we purchase out next home. She was a joy to work with
Brooke & Matt Garibaldi recommends Debra Stedt
Aug 12, 2014
My husband and I were recommended Debra from his parents and we are so grateful for her and the experience we had in purchasing our first home. Debra was always quick to respond to the many offers we were trying to put in for and always supportive and helpful to give us the best deal. When we finally found our home, the sellers requested a very quick close and she made it happen!!! We are truly grateful and give her the highest recommendation. You are in GREAT hands with Debra!
Eduardo Francisco recommends Ken Dean
Professor of Nursing, UCSF
Aug 11, 2014
Wonderful to hear. I've known Ken for ten working years. I must say: "Know-how is Know-how. Nobody can take it away from you" thankfully, Ken has it! Thank you Ken for all your expertise.
Thomas Johnson recommends Ken Dean
Aug 11, 2014
Angelo and I would like to thank Ken for all his hard work in getting our home refinanced.Ken was very professional,efficient and knows his business.Everything went smooth and in a timely manner.We could not have found a better person to take care of us.
Thanks Ken !
Thomas & Angelo
Hemal S recommends Robin Patronik
Aug 8, 2014
Robin is a real pleasure to work with, she made our refinance very simple and painless. She helped work around our vacation schedule. She gave prompt updates and was easily accessible when I had questions. I would definitely recommend her to others and have done so already.
Giovanni recommends Robin Patronik
Executive Vice President
Jul 31, 2014
I have worked with Robin on re finance my mortgage. She did an excellent job in explaining the procedures and taking ate of all the details related to.
She was very professional and always available. It seems she is working 24/7 !!
Again, great job! Thanks!
Philip Tankel, Ph.D. recommends Orlando Diaz
Jul 29, 2014
Orlando was not only helpful, but also unfailingly polite in delivering the news that another piece of information was going to be needed to complete the application! This purchase was complicated, and he was a thoughtful and effective guide throughout the process. I believe both buyers and sellers were very pleased with both the process and the result. This was in no small measure due to Orlando's expertise and interpersonal skill.
Duncan recommends Orlando Diaz
Jul 28, 2014
Orlando has been my "go to" mortgage broker for my entire real estate career which is in it's 15th year. He has never once disappointed me and has come through every time. Even the tricky deals that you think will never work are always a done deal with Orlando. I highly, highly recommend him.
Hans H recommends Aisling Ferguson
first time home buyer
Jul 23, 2014
Aisling was awesome in making sure that she kept me in the loop on everything, walked me through the entire process and I couldn't be more happy closing with Aisling!
Wayne recommends Alan Kirth
Jul 23, 2014
Alan knows his stuff. I was impressed by his knowledge and ability to shepherd my loan through.

I had a particularly difficult situation with many roadblocks, but Alan knew how to overcome them and get me the best rates possible.

I highly highly recommend Alan!
Anonymous recommends Orlando Diaz
Jul 22, 2014
Orlando answered our questions, even the silly ones and facilitated everything from start to finish. He watched rates with us and looked for the best deal for a month prior to our refinance. He even scheduled a notary public to visit our home with the paperwork when we found the right deal for us and needed to finish the paperwork on time. If we had a question, problem or needed to sign paperwork late in the evening, he had no problem with it. This is the second time we've used Orlando's services and we will call him again when we are looking for our next mortgage. I can't recommend his services enough.
John recommends Orlando Diaz
Jul 21, 2014
Orlando was very thorough and told us exactly what he needed. He got things done in a timely manner and kept us updated throughout the entire process He made the process seem quick and easy from start to finish
Don Cliver recommends Aisling Ferguson
Store Manager Umpqua Bank
Jul 17, 2014
I have had a professional working relationship with Aisling for over 2 years now and find not only does she act professionally but her clients reflect her professionalizm also. She is easy to work with and flexible to make sure the clients and working partners get what they need in a timely manner. I look forward to a long working relationship.
Anonymous recommends Debra Stedt
Jul 17, 2014
325 Kitty Hawk Rd
Alameda, CA 94501
July 16, 2014

To those seeking a mortgage broker,
I looked for 6 things in a mortgage broker:
1. Access to quality lenders with the lowest interest rates
2. A good communicator
3. Someone who follows up
4. Someone available to answer questions and concerns
5. Someone who is available
6. Someone focused on providing the highest quality of service
Debra Stedt is a very capable professional. We initially met and besides the business of collecting information from me, she made it very clear what the process was going to be, outlining all the steps involved and the timeline for each. She also promised that she would be able to close 3 weeks after a purchase offer was accepted by a buyer.
The process was very smooth. Debra communicated each step along the way what was happening, what steps were next and when they would happen. Every time another step was completed, I received an email notifying me. Any questions I sent by email were answered almost immediately. Every phone call either reached her directly or very soon I received a call back. As promised, we closed three weeks after the purchase offer was accepted.
Though I’m sure Debra has many clients at one time, she made me feel like I was her only client. It was very clear that Debra aims high for customer satisfaction.
If I buy another house in the future, Debra will be my first choice for a mortgage broker. I recommend her highly.

Wayne Solotoff
Nadine Corkery recommends Aisling Ferguson
Senior Escrow Officer, Branch Manager
Jul 16, 2014
I worked with Aisling Ferguson with Guarantee Mortgage on an escrow recently. Aisling was a breath of fresh air. She kept me posted throughout the transaction and really went to bat for everyone at the end. I wish she was the loan agent on all my files because she made my job easier. I have been in the Escrow business for 38 years and I don't come across everyday professionals like her. I hope to have the pleasure of working with her in the near future.
Margaret Bond Kinoshita recommends Debra Stedt
Home Owner
Jul 16, 2014
Debbie has been my go-to mortgage broker for over 23 years. She has shepherded my partners and me through 15 finance transactions and assume there will be more.
Trust is hard to come by these days but I trust Debbie.
Beth Flynn recommends Orlando Diaz
Recent homebuyer
Jul 14, 2014
I cannot recommend Orlando highly enough for his services as a mortgage broker. He happily worked with my husband and I on our schedule as we started the process, then stopped, started and stopped. When we were ready to go, Orlando hit the accelerator and kept his foot down. There were so many details to work through, my head was spinning, but Orlando kept everything moving along and talked us off the ledge when the lender was looking for every little hoop to see if we would jump through. He is part therapist to be able to manage his clients through this process, and pulled out all the stops to get us funded in time - including a last minute drive to Sacramento to deliver documents in person. I would definitely use Orlando again when we refinance.
Gina Hawk recommends Orlando Diaz
Realtor, Alain Pinel Realtors in Corte Madera
Jul 14, 2014
We just closed our first transaction together where I represented the buyers who were already working with Orlando. All I can say is that I look extremely forward to our next transaction together! He was on top of things every moment, and went above and beyond what was expected of him…driving to Sacramento to ensure that loan docs would arrive in time, had long conversations on his weekends with needy and nervous sellers, responded immediately to my questions, kept our buyers calm and secure and above all, Orlando kept his sense of humor. Truly a jewel to work with!
Joe Phillips recommends Guy Rivera
Jul 8, 2014
Of the six or so mortgage financings I have done, the one just completed with Guy was the best. I was very pleased with the rate on the new loan as well as the fees involved. Guy and his team got the loan done quickly and smoothly. I strongly recommend Guarantee Mortgage in need of financing.
Valerie Martin recommends Orlando Diaz
Jul 7, 2014
My husband and I have worked with Orlando Diaz on a few different occasions, and his
service is nothing short of stellar. He is professional, attentive and very patient for answering my questions when asked for his advice. We will continue to utilize Orlando and Guarantee Mortgage as he and his staff go above and beyond, and we know we're in good hands. Great service all around.
Romy Magtibay recommends Debra Stedt
First time home buyer
Jul 6, 2014
I am a first time home buyer & Debra patienly guided me throughout the mortgage loan process..every stage was clear & on time. We closed escrow earlier than I expected.
If I can have the opportunity to get my second real estate property..I will definitely ask Debra & Guarantee Mortgage to help me with my next investment.
Adolfo Romero recommends Orlando Diaz
Jun 30, 2014
We are very happy with the service we received from Orlando. He was there for us every step of the way. He provided us with multiple loan scenarios and helped us determine the best option for our needs. Throughout the process, we were kept well-informed and all of our questions were timely answered.

For any future home loan needs, we'll definitely reach out to Orlando for help. Thanks, Orlando!!!
Sharon Currie recommends Guy Rivera
Jun 26, 2014
As a top producing real estate agent, I work with a lot of lenders in many different and difficult situations. Guy is my number 1 referral partner when placing my clients with a lender. He is always pleasant, never too busy to spend the needed time with my clients, thinks outside the box for challenging loan needs (like self employed people) and has an excellent staff who are always one step ahead. Guy takes pride in doing a good job. At the same time, he is very congenial, takes the time to get to know his clients and goes the extra mile to make sure everyone is happy. Thanks Guy for doing such a great for me and my clients. You will always be my #1 choice.
Amy S. recommends Debra Stedt
Jun 25, 2014
Debra was professional, curteous and low stress. What can I say? She delivered. I highly recommend her.
S.Glynn recommends Aisling Ferguson
Jun 25, 2014
Aisling Ferguson was a true pleasure to work with.

She's fast, efficient, knowledgeable and does what it takes to get all documents in and processed. She is great at following up and ensuring your loan moves along for an on-time or early escrow close!

I'm sure you'll have the same experience.
Kristina Novak recommends Guy Rivera
Realtor Central Coast Landmark Properties
Jun 25, 2014
I have been in real estate 29 years and many years as a mortgage banker myself I will always recommend Guy to my clients , He is very professional and on top of things , He knows what he is doing and gets the job done . He closed the most recent transaction for my client 4 days early . Nice to not have to be stressed and have a lender that takes care of things
Anatoliy recommends Aisling Ferguson
Jun 18, 2014
I have known and worked with Aisling in various capacities for over 10 years. One thing that has always stood out to me is repeat customers. Too often you see customers use a loan officer once and then not come back to them. Not so with Aisling. Most of her clients come back time and time again. She has been a pleasure to work with over the years.
Alan & Kathy Gutterman recommends Ron Fiore
Multi-Deal Happy Clients
Jun 15, 2014
Ron and his team have absolutely been Dreammakers for our family over the last several years as they've helped us become first time buyers, buy our next home and arrange a reverse mortgage so that our parents could stay in the home that they loved. Savvy and pragmatic, and willing to go the extra mile, are all words that describe Ron's approach to the mortgage business and we recommend him highly to everyone. He's the best!
Micki recommends Aisling Ferguson
VP Product
Jun 12, 2014
Aisling is fabulous. I have worked with her on both a mortgage refinance and, most recently, a new home purchase. She is super responsive and goes above and beyond to get your deal done. It was because of her efforts that we were able to close escrow is an extremely short period of time. Aside from my own positive experience interacting with her, the real estate agents that I've worked with have commented on how wonderful she is work with on a deal.
James P. recommends Julie Malta
Jun 11, 2014
Contacting Julie was a perfect first step in my home buying process. I started at square 1, and Julie stayed on top of things, and in touch throughout the entire process. I think my experience was one of the smoothest, and quickest around!
Monica S recommends Orlando Diaz
Single Woman
Jun 10, 2014
Orlando has been fantastic in my pursuit for a mortgage loan on our first home - he was extremely thorough and patient with all my enquiries, and provided wonderful support and advice throughout the process. He was very kind and I couldn't have asked for a nicer person to assist me in something so scary and new to me. Highly recommended!
Matt Florio recommends Orlando Diaz
Regional Account Manager, Cassidian Communications, an Airbus Group, Inc. Company
Jun 7, 2014
For superior service and attention to detail, I highly recommend Orlando Diaz and Guarantee Mortgage for mortgage financing services. Over the course of 15 years, I have worked with Orlando Diaz several times under various different circumstances. Through Guarantee Mortgage, I have purchased and refinanced both tenancy in common (TIC) and condominium properties in which Orlando has supported my financing needs with the utmost professionalism.

Orlando has shown experience with different loan types and with loans that require specific detail with TIC property, something very unique to San Francisco. Having this experience with TIC property financing is key to success in San Francisco. For example, Orlando was able to navigate mortgage financing of a TIC building among my partners with varying and needs not once, but twice. This included exercising extreme patience and devising appropriate solutions to achieving our goal. I truly appreciated Orlando’s professionalism and drive.

While Orlando Diaz demonstrates professional and excellent service, he always has a positive and upbeat attitude. He has shown me a willingness to get the job done, makes sure you are informed every step of the way, and when roadblocks present themselves, he looks for solutions For these reasons, I recommend Orlando Diaz for your mortgage financing services.
Jeff Squires recommends Eric Fairfax
May 31, 2014
Eric made buying our first home easy. We had a lots of questions, and at every point along the way, Eric took the time to make sure we understood what was going on...
William X. Minor, CPA recommends Robin Patronik
Property Owner - SF East Bay
May 30, 2014
Firstly, Robin is professional in her approach to the refinance opportunity and lenders. She always remembers who is the client and who is the service provider; she is respectful. Perhaps most important, she is your advocate in getting the job done and preserving the economic opportunity that began the relationship. She is loyal to you and not to the lenders.

My most recent experience [the third with Robin] encountered challenges with the appraiser's property description which adversely effected the value. She proceeded to challenge the valuation and pushed through two levels of review/appeal by the lender's senior staff until we prevailed.

Her integrity is without question, which as you are no doubt aware, is often uncommon in that industry. I would without reservation use Robin to process my next re-finance or original loan.
Pamela Jewett recommends Larry Horowitz
May 29, 2014
I have worked with Larry Horowitz through several mortgage deals. He has always been very professional and knowledable in his dealings. However, Larry has brought much more to the table when working with me. He has humor, intelligence, kindness and honesty, all of which mean a great deal to me. When I have had a difficult decision to make or am confused about anything to do with his area of expertise, he takes the time to explain all sides of the issue in a way that I can understand. I don't know what I would have done without his help.
M. Bates recommends Foster Weeks
First-time homebuyer
May 28, 2014
Foster helped us with the purchase of our home, as well as a refinance a couple of years later. In both cases he was patient and thorough and made sure we got an amazing deal. I absolutely recommend him.
Suzanne and Adam recommends Larry Horowitz
May 27, 2014
My husband and I were looking for our first house together when I was 7 ½ months pregnant. Waddling around looking at houses is stressful enough hoping you’ll find one in time before the baby arrives. We were so thankful we had Larry Horowitz with Guarantee Mortgage helping us with our paperwork. He went above and beyond in making the process as seamless as possible. He even brought things up to make sure we didn’t have surprises later on. He encouraged us take a deep breath as he procured the best rate. He was a great source of help and comfort during a time that is usually very stressful. If we ever have to move, we will DEFINITELY use him again. We are so pleased with his professionalism and kindness. I’m happy to report with Larry’s help all our paperwork was ready right on time when we found our perfect house and we were able to move in on schedule and start preparing for our son’s arrival. Thank you Larry for everything you did!
Peter Klos recommends Aisling Ferguson
Portfolio Manager
May 23, 2014
Aisling has worked with my family on two purchases and has been wonderful throughout the process in both cases. Her experience and professionalism shined through in each transaction. For the second transaction in particular, her ability to think outside of the box and come up with a solution to close the transaction was truly exceptional and allowed us to buy the home that we had been searching for. I would happily work with Aisling again and feel that she really brings a lot to the table when purchasing a property.
Anonymous recommends Debra Stedt
May 20, 2014
I worked with Debbie to refinance my home. She was fantastic to work with. She understands the process and guides her clients through the process. Even when we encountered problems she managed it well and got my refinance through. She handled my complicated situation with utmost professionalism. I strongly recommend her. You won't regret it.
Michael Bennett recommends Orlando Diaz
Freelance Photographer
May 14, 2014
I felt that Orlando went above and beyond helping me get my mortgage and was very accommodating with my schedule.
As a first time buyer without the knowledge of the process and the jargon used I felt completely at ease. I would highly recommend Orlando.
Nick Parker recommends Fif Ghobadian
May 9, 2014
As an expat married couple we were not the easiest customers to find finance for our new home purchase in San Francisco; along with that the SFO market is a very different proposition to other locations we have lived and owned dwellings including Sydney and London. Thankfully we were recommended to get in touch with Fif and found she was was a consummate professional from the outset and throughout the mortgage arrangement process. We were delighted with the service and the outcome and would recommend her as a key partner in the home purchase process which for most folks is a complex and sometimes daunting process to do.
Dean Koya recommends Julie Malta
First time home buyer
May 8, 2014
Julie made the home financing and buying process a lot less nerve-racking than it typically is for most home buyers. As a first time buyer, this was an incredible relief for me. Julie took the time to explain in detail every facet of the financing process so that I would be fully informed of what I was getting into and what I would be paying (and paying for). She was extremely responsive and would answer questions and follow up on emails even on evenings, weekends and while she was on vacation. She let me know exactly what documents and declarations I would need to provide to ensure the loan process moved forward without any hiccups made sure I understood the details of the loan and closing costs before I signed anything. Having someone as knowledgeable as her guiding me through the home buying process was a huge comfort and made me feel less uncertain about what was happening and what I was getting into. She is an expert in her field and a true profession who will go the extra mile for her clients and ensure they get the best loan in the least amount of time possible. Anyone who seeks financing services from her will be in very capable and dedicated hands.
Lawrence-Cobalt Janssen recommends Donna R Aldrich
Creatue Strategist- Blue Heart Productions
May 8, 2014
Thursday, May 8, 2014 1:35PM PST

I had the opportunity, and the pleasure, to have Ms. Aldrich work and assist me in obtaining my first mortgage on my one bedroom condominium in San Francisco, Ca. Her professionalism is superb, I am/was particularly impressed with her preciseness, "attention to detail," and research techniques. Ms. Aldrich ALWAYS promptly responded to my emails, all her email requests to me were easy-to-understand, manageable, and I was able to get the information she wanted in a on time. What made this mortgage acquisition process even more palpable was Ms. Aldrich's sense-of- humor. It made me smile, laugh, and throw off a lot of the stress from this complicated process.
As a retired teacher, I would give HONORS MARKS to Ms. Aldrich in every area of the Guarantee Mortgage Process. I will highly recommend to all my business associates, friends, acquaintances, and family, how wonderful my experience was regarding obtaining my first mortgage with Guarantee Mortgage and my loan officer Ms. Donna Aldrich.
Thank you very much for giving me this opportunity to put my words of appreciation into writing.
Lawrence-Cobalt Janssen
Cell: 415/572-8511
Anonymous recommends Vince Breen
May 8, 2014
I have used Vince Breen a few times and continue to be very pleased at his professionalism, diligence and patience. He made the loan process as easy as possible, explaining every detail in layman terms.

I highly recommend Vince and his team and will continue to use him in the future.
Andrew Pearlman recommends Donna R Aldrich
May 5, 2014
Donna was amazing throughout a long and difficult process. We couldn't have gotten our dream home without her! Wish her nothing but the best and if you are undecided about who to work with, she will get you there.
Eva del Rosario recommends Julie Malta
May 4, 2014
Julie is always on top of everything. She keeps you informed of what is going on with the file. Her communication is superb and great with follow up. I’ve used Julie for my clients that needs financing be it purchase or refinance and most of the people I’ve referred to her are pleased with her service. Julie is the person to go to when it comes to getting a loan.
Brian and Terri Bailey recommends Guy Rivera
Broker/Owner of Central Coast Investments
May 2, 2014
Guy and his experienced staff were great to work with. They handled our refinance quickly and professionally. It was a rental property which can sometimes cause more problems however that was not the case with Guarantee Mortgage.
Lorie recommends Debra Stedt
First Grade Teacher
May 1, 2014
Debra Stedt did an excellent job walking me through the complex steps of obtaining a loan in 2014. She was efficient yet patient about explaining what was needed when, and why it was needed. I really appreciate all of her help and advice.
Roger Shea recommends Guy Rivera
Business owner
May 1, 2014
Very helpful in finding a quality lender for a difficult business loan. Mr. Rivera was a pleasure to work with and I found him to understand the unique issues facing our profession. I can confidently recommend Mr. Rivera and his firm.
Adam Reynolds recommends Aisling Ferguson
May 1, 2014
We are first home buyers, and as you can imagine are pretty green with the home buying / mortgage process. Aisling Ferguson was recommended by a friend and from day one has been an incredible source of guidance and information for us. She thoroughly waked us through so many of the processes, making sure we understood what was ahead of us before we jumped in, and once we found our home. Our closing process was lengthy and we faced many unusual and unforeseen hurdles from the seller, HOA and insurance companies. Aisling went above and beyond on multiple occasions for us, and was very fast and efficient organizing everything we needed. In short, we couldn't have doe it without her. I wouldn't hesitate recommending Aisling to anyone looking for an incredibly knowledgeable, fast and efficient broker.
H. Turner recommends Debra Stedt
Apr 29, 2014
Debbie has handled several mortgage and refinance transactions for us and each time she has provided excellent customer service. She's responsive, accessible and thorough and brings a great deal of creativity and expertise to the table. Our last refinance was particularly complicated because of a variety of unusual circumstances, but Debbie persevered and saw us through to a closing that I frankly didn't think would happen. I highly recommend her and Guarantee Mortgage.
Karen McCarthy recommends Debra Stedt
Associate Broker Vanguard Properties
Apr 28, 2014
Debbie is the best! I trust her 1000%... she has never let me or my clients down. Prompt, professional and gets the job done!
Tom Latronica recommends Aisling Ferguson
Senior Financial Analyst, Ares Management
Apr 28, 2014
Today I officially closed on my first home and I am not only overjoyed with the personal accomplishment but also very thankful for all the help I received throughout this process. I am particularly grateful to my mortgage broker, Aisling Feguson, who not only helped immensely with getting the loan pre-approved and closed but also took the time, throughout each step of the process, to explain the complex intricacies of purchasing a home. Aisling helped us with everything from figuring out what price range we could afford to what type of loan was the right fit for us, to our monthly budget and every little detail in between.

If you are considering purchasing a home I would absolutely recommend using Aisling's services. Aisling came highly recommended to me by a friend and I just wanted to pass along the endorsement. You would be hard pressed to find a mortgage related question that Aisling does not know the answer to or has not, for that matter, experienced first-hand. She is also organized, responsive, very detail oriented and great to work with.

Tom Latronica
Daliah Khoury recommends Aisling Ferguson
Apr 27, 2014
I first worked with Aisling about 10 years ago when I bought my first condo. When I was ready for a new home, I went back to Aisling and found her as incredibly knowledgeable and easy to work with as she had been the first time around. She was simply wonderful to work with - available, positive, and incredibly informative. With any hiccup that came up, and there were a few, Aisling was unfazed and knew how to deal with it - clearly she's seen it all before.

It took a few tries before we finally got our home, but with every offer, Aisling was immediately there with pre-approval letters and answers to our many questions. Aisling really went above and beyond the call of duty and was there on more than one late night phone call, calming our frazzled nerves.

If I had to choose one word to describe Aisling it would be loyal. I always knew that getting us into our home was nearly as important to her as it was to us. I was continually confident that we were in incredibly good and capable hands. If you're looking for a broker, look no further. Aisling is the best!
Sandy Gandolfo recommends Aisling Ferguson
Realtor, San Francisco
Apr 25, 2014
Aisling is a real go -getter with a never quit attitude! Lending is difficult but Aisling has the experience to get through the most difficult of circumstances. She is dedicated to her clients and commits to seeing a transaction all the way through.
David Moore recommends Vince Breen
Home Buyer
Apr 24, 2014
This was our first home buying experience, and Vince was there to explain every step of the process. I've never worked with someone who provides such rapid responses to questions and action items. Vince will be my first option when the time comes to do this again. I highly recommend him.
Brian Dunn recommends Kara Fiore
Apr 23, 2014
I highly recommend Kara Fiore and Guarantee Mortgage. My wife and I were given the run around by another company for nearly a year and were pretty frustrated with the whole process. Once Kara stepped in she made it seem so much easier and kept us posted on developments every step of the way. We had a lot of questions and Kara helped us understand the process. Even though we are in Southern California...Kara made it seem like she was right next door. Thank you Kara! We look forward to working with you again in the future.
Anonymous recommends Robin Patronik
Apr 22, 2014
Robin Patronik of Guarantee Mortgage was very helpful in negotiating the complicated and at times tedious bank requirements that resulted in our successful refinance--a zero cost arm loan.

She had kept in contact with us over a long period of time and initiated the process when terms and conditions met our needs. Her estimate of time to close was spot on and we can now rest for a while with a favorable rate.
Pamela Kelley recommends Donna R Aldrich
Apr 22, 2014
Can I give 6 stars? If you are thinking about purchasing a home or refinancing, do yourself a favor and at least talk to Donna Aldrich. She's everything that you'd want a mortgage broker to be--honest, knowledgeable and friendly to talk to! At the beginning of the pre-approval process, my TIC partner and I talked to two other brokers who did not take the time to put the work necessary to make this difficult transaction CLOSE! Throughout the entire process, Donna was always on top of her game, easy to get a hold of, anticipated anything that could come up with the lender down the road, and, most importantly, was willing to go above and beyond the call of duty! Not to mention how she helped manage my anxiety outbreaks to a relatively tolerable level--all the while doing everything she can to smooth the process. While the rate is certainly an important factor in any loan decision (and Donna obtained a great rate!), you want to work with someone who you can trust and rely on, rather than someone who delivers false promises. Based on my experience, I'd recommend Donna to anyone without any hesitation and will recommend her to ALL my real estate clients as well! Thank you Donna for making the single most important transaction of my lifetime come true! (And, how cool is it that we closed on Earth Day!) ?
Taka recommends Susie Kim
Apr 21, 2014
We just bought our second house and Suzie was our mortgage broker. I could not thank her enough for her supreme service. Her communication is excellent. She will tell you anything (good or bad) in person and she knows her work very well. We had a not so good experience when we bought our first house, so Susie was a welcomed relief and we know how good she is. We highly recommend her to anyone. Thanks Suzie!
Cesar Medrano recommends Abdi Ghavi
Apr 21, 2014
Extremely satisfied! It has been a long, and rocky road with so many requirements and frequent interactions, but your professionalism and positive attitude have been key to help us navigate through it successfully. I am already recommending you to co-workers and friends... and hope that some of these referrals will make it your way soon. Thanks again!
Anonymous recommends Vince Breen
Apr 18, 2014
Vince was wonderful to work with on our recent home mortgage. He kept us fully informed throughout the process and was always available and happy to answer our questions. He ensured that things went smoothly, and we were especially appreciative of his team's extra effort to help us close a couple days early. We've done several mortgages and refinances through Vince and confidently recommend him to our friends and family.
James J. Jaber recommends Jihad "Jay" Totah
Apr 18, 2014
I have worked with Jay Totah for the past 16 yrs in either re-financing or obtaining a new loan. He has always made the process easy for me and my family, and he was fully transparent about the process which speaks to his character. I have used other lenders as well but always come back to Jay for his efficiency and attention to detail. I highly recommend Jay who is an honest hardworking lender. A rarity in this industry.
Shevonne Taylor recommends Vince Breen
Contract Manager
Apr 16, 2014
Vince is an experienced and professional loan expert that made our loan process seamless. It was unbelievably effortless and extremely quick. Since Vince is an experienced loan officer he has a network of professionals that he has built a strong relationship with over the years. From the title company to the real estate appraiser, we received world class service. Without hesitation, I would recommend Vince for your mortgage needs.
Anonymous recommends Guarantee Mortgage
Apr 16, 2014
I hve done three mortgages with Rose... Need I say more? She makes the whole process S effortless as possible and is an absolute pleasure to work with!
Janet Boyle recommends Aisling Ferguson
Vice President of IT
Apr 14, 2014
I HIGHLY recommend Aisling to anyone for their mortgage needs. Aisling is exceptionally knowledgeable, responsive, professional and thorough. We had agreed to an aggressive timeline, with the seller, for our escrow close schedule. Aisling was consistently out in front of everyone involved in this transaction. She made sure that our loan was never an obstacle toward closing on our new home. I have worked with Aisling on many mortgage transactions. And, it is the same successful story every time with Aisling. Again, I highly recommend Aisling Ferguson!
Anonymous recommends Aisling Ferguson
Apr 14, 2014
We had a difficult seller with difficult terms and dates that kept changing. Aisling couldn't have been more strategic and helpful in accounting for these changes. There are many stresses to consider during a large purchase, but with Aisling handling the mortgage we were able to really focus on the terms and contingencies of the sale and our experience with Guarantee Mortgage couldn't have gone more smoothly. Highly recommended.
Bobbi Levenson recommends Debra Stedt
Realtor for Zephyr Real Estate
Apr 14, 2014
This is the first time I had worked with Debra. She had been working with my clients before they had started to work with me. Debbie made this the easiest, quickest escrow in history. At a point where banks are making it difficult to complete escrows without issues throughout the process, this transaction went without a hitch. And, we were completely approved pretty early in the process and able to close days early, which made my clients ecstatic. I will definitely be working with Debbie again and recommend her for your mortgage needs.
Sabina recommends Donna R Aldrich
new home owner
Apr 13, 2014
Thanks to Donna's help not only I bought a house, but got a mortgage that is manageable. She made the experience of getting financing for the house effortless! She took care of everything, and stayed on top of it throughout the whole transaction with MY interests being considered all the way. I'm very grateful for having such awesome person to work with. I will definitely recommend Donna's work to my friends and family. It's very refreshing to find someone who is knowledgeable, professional, and cares as much as she does.
Jennifer recommends Fif Ghobadian
Apr 12, 2014
Fif is amazing! I went through a post-separation property division, requiring refinancing of a vacation home and it was not easy. She was patient and stuck with me, even when it seemed like it would never happen.

Fif and her staff are easy to work with, quick to respond and exceptionally professional. I feel indebted for the support and thrilled with the end result.

Thank you!
Rebecca Carter recommends Fif Ghobadian
Home Buyer
Apr 11, 2014
Fif was a wonderful and professional mortgage broker and I highly recommend her to anyone looking to buy a home. As a first time home buyer, I needed a little extra information than I think I will need next time. When I contacted her about pre-approval, she didn't just ask for my information and send me a pre-approval letter, she educated me about what to do to remain eligible (i.e. put my down payment into an account and let it season a couple months in order not to confuse lenders) and guided me through the final process in a way that was clear and manageable despite my busy work schedule.

Fif looked at my strengths and weaknesses (strong income but limited down payment) she was able to design an excellent configuration of loans that was both creative and far more effective at meeting my needs than I would have known to ask for myself.

Lastly, Fif promised and delivered on our 28-day closing schedule despite a handful of obstacles and needs from the lenders.
Catherine recommends Aisling Ferguson
Apr 10, 2014
Aisling is the hardest working mortgage broker that you'll meet. She is brutally honest and patient. If you want results, Aisling is who you want on your side!
Melanie recommends Susie Kim
Home Buyer
Apr 9, 2014
When Susie found out that we were trying to buy a house, she reached out to us and offered to help. We are so glad that we went with her. She worked to get us the lowest APR around. She helped with all documents and always kept in touch. She was friendly and easy to work with. Great experience with her.
Lisa Spinali recommends Debra Stedt
San Francisco Homeowner
Apr 9, 2014
Debbie is an experienced and thoughtful professional. She is very customer service oriented and really knows the mortgage business. She made it easy to refinance, I got a great rate and it was really a pleasure doing business with her.
Bradley recommends Jay Sondhi
Apr 9, 2014
Jay is great to work with and incredibly efficient! After changing brokerage companies due to questionable business practices a week before we were set to close, Jay was able to get our loan processed very quickly and we closed in less than two weeks. He was honest and kept us well informed, as well as saved us thousands of dollars! Highly recommend!!
Jocelyn Miller recommends Larry Horowitz
home owner
Apr 7, 2014
I worked with Larry on the original financing for my condo 8 years ago and 4 subsequent refis. He has been a pleasure to work with - always respectful, expedient, thorough and intent on pursuing the best solution for me. I would highly recommend him.
Terry Adelman recommends Robin Patronik
Apr 7, 2014
Robin has diligently serviced my mortgage through multiple refinancings. She has delivered the best rates and overall mortgage terms for each successive refi. She has maintained oversight on the market and promptly advised me when a new refi opportunity makes sense for me.

Robin has followed through on every promise and demonstrated that she is supportive of my interests throughout the negotiation and funding process. She has kept me apprised of every detail and clearly informed me about changes in terms and conditions. And she has been responsive to answering and clarifying all my questions and concerns

She is diligent and has demonstrated integrity in servicing my needs and expectations. I have full confidence in recommending Robin Patronik to anyone seeking mortgage financing assistance.
Mike Smith recommends Pete Elting and Tom Barnes
Apr 7, 2014
Pete and Tom went above and beyond the call of duty for me recently! I had used Pete before for a simpler transaction when I purchased a building with a friend in 2004, and that was great. So I called him again on this one.

I have learned the hard way over the years that not all friends make good TIC partners. The time had come to buy out the partner, but that meant refinancing the whole building with just me on title. That made it a bit risky for several banks, but Tom and Pete manged the whole process, and knew which banks to go to and which were a waste of time. This was a new and scary process for me, but they were terrific. They kept me calm and managed the transaction with flexibility and creativity. I'd use them again in a heartbeat!
Shelley M recommends Julie Malta
Apr 6, 2014
Julie is smart and truly understands the mortgage business. My loan situation changed over the course of several months and Julie provided great advice on the different loan programs, suggestion on the best option and worked quickly to secure the loan once the offer was accepted. I highly recommend Julie Malta for her professionalism and knowledge.
Bernie Katzmannsf and Mike Shaw recommends Debra Stedt
Realtors, Vanguard Properties
Apr 2, 2014
As real estate agents we have been very fortunate to have had our clients work with Debbie for many many years. Unquestionably Debbie is one of the most committed, effective and thorough loan agents that we have ever met. We have consistently found that Debbie never promises anything that she doesn't believe she can do and she is very sincere and honest in everything that she does The good thing is Debbie can do just about anything.
Chuck Russell recommends Aisling Ferguson
Apr 1, 2014
Although I work for one of of the biggest banks on the planet and they offer "employee loans," the best they could do was a 40 day close. Aisling did it in less than 25 days. No surprises; no requests for additional or unusual documents. All straightforward and honest, delivered on time and under budget. Great personality, great results. I wouldn't go anywhere else next time I need home loan assistance. .
Kathryn Martocchio recommends Jihad "Jay" Totah
Apr 1, 2014
Jay stays on top of the loan process for you. We have used Jay several times over the past years for loans to purchase new commercial properties and to refinance commercial and personal properties.

With our latest loan poor Jay had to really stay on top of the loan processing people. The appraisal was turned in to the loan officer late, and had inaccurate content, this caused delay in the closing of the loan. We were worried about loosing our interest lock. Jay was able to work with the processor at the loan company to get outstanding questions answered quickly which allowed them to closed within the interest lock time frame.

I would recommend Jay Totah to anyone looking for a loan broker for commercial or personal properties.
Anna and Jaime Cardenas recommends Alma Portillo
Apr 1, 2014
Alma was extremely helpful, and patient with the purchase of our home in December. We started working with her a few months before the purchase and with each inquiry we had, it was answered for us in a timely, professional, and very informative way. She was always availalbe and stuck by our side ensuring that the best home we liked met our mortgage and loan budget.. The home was one of our top choices and we appreciate all her help and support in making this happen for us.
Douglas Strout recommends Aisling Ferguson
Apr 1, 2014
Aisling originally helped me purchase a home in December, 2005 and when I wanted to refinance in 2010, it was no question that I would return back to her for her guidance. The economy was not quite in my favor at that time and we couldn't make the numbers work, but she worked hard to help me out such that 3 years later, when conditions had improved, I was prepared and ready to try again. With Aisling's perseverance and creativity, we succeeded with a very favorable refinancing package. The experience was a thrill ride along a path of volumes of paperwork. There was no way I could have successfully done this without Aisling's experience and guidance. She's the best!
Dr. Keshav Goyal recommends Guarantee Mortgage
Rose refinced my two loans in a short time
Mar 29, 2014
Thanks a million for refinancing my two loans. You completed this task within 2 months with minimum expenditure on my part. I contacted you on January 12, 2014 to find out whether you do loan refinances. This was followed by an XL file that contained my income and expenses along with a question as to how much money I should transfer from my IRA account to qualify for refinance. You promptly calculated and suggested to me that I am ok to qualify. At that time, I was not so sure but you were. We signed loan applications on 1/27/14 and appraisals were done on February 4th and 5th. The final loan documents were signed on March 3, 2014 and new loans became effective as of March 10, 2014.
Meera and I deeply appreciate your help and a job well done. Please keep up this excellent service to your other clients.
Judy and Jack recommends Donna R Aldrich
Newly wed condo buyers
Mar 28, 2014
Donna Aldrich was indispensible in assisting us in obtaining our mortgage.

Donna expedited paper work, called and coordinated with our financial consultants. Because we did not use a real estate agent, Donna made sure we did all the things that should get done to make the deal happen.

She also arranged meetings with other professional involved with the loan application and because of a quickly approaching fixed dead line to complete the purchase by the end of the year Donna moved everything along at lighting speed.

When we had questions, Donna was so knowledgeable that she could explain the intricacies of the process so that we felt comfortable and confident that progress was being made. She was always in touch and always available. I felt like we were her only client, and she was working hard and overtime for us.

As newly-weds and a first time homebuyers, it all was a complete mystery. Never for a moment did we not feel that Donna was so on top of everything. We now own our home, and facing the inevitable remodel.

We appreciated Donna’s effort that we gave her three prizes. Flowers for a job exceptionally well done, brandy to sooth the nerves, and special chocolates because she is so sweet.
Joel M. Adelman,LCSW,BCD recommends Guy Rivera
Mar 27, 2014
Guy gets things done as promised. When I needed a mortgage loan in 30 days, Guy was unfazed and did the job on time and absolutely as promised. More over, Guy has a superb staff and in this day where banks instigate a virtual paper snowstorm, that staff was invaluable and made the onerous task doable and trouble free. Additionally, Guy does not walk, he runs, and I liked that. I highly recommend this man and his staff, as they act and do as you'd hope professionals would
Alexis Wallace recommends Debra Stedt
Branch Manager, KERN Global Language Services
Mar 26, 2014
We very much enjoyed working with Debra and would recommend her to anyone (and have already, in fact). She is very responsive, extremely knowledgeable about a huge variety of mortgage products and really knows the market. She also was able to answer all of our questions quickly and thoroughly.

Debra worked in harmony with our agent on multiple offers in the competitive SF market, and most importantly, the final one that was accepted. Her reaching out to the the selling agent to outline our financing qualification ultimately led to getting our offer accepted. I would happily work with her again.
Chris Donahue recommends Debra Stedt
Mar 25, 2014
Debbie was absolutely fantastic to work with. This was our first time buying a home and she did a great job explaining everything to us and made the process go very smoothly.
Barbara recommends Alma Portillo
Mar 25, 2014
March 25, 2014
To Whom It May Concern,
Please find this letter of recommendation for Alma Portillo, representing Guaranty Mortgage Corporation. I began a refinance with this lender in January and after a prior difficult attempt at refinancing my property with more than enough equity to make this a smooth transaction, I began working with Alma.

Her professional rapid response to questions and concerns was amazing. She quickly and clearly always sent me information. When I need to sign forms many came via email attachment with simple to follow instructions on how to complete the forms.

It was very clear that after a few correspondences I was working with a true well-schooled professional.
Without a doubt I stand by this conscientious and dedicated knowledgeable professional. In a field of many Alma is defiantly someone you can count on in an often confusing and frustrating process.

Jesse Lieber recommends Guy Rivera
beach town rentals
Mar 25, 2014
When it comes to refinancing or purchases there is no one i would use but Guy Rivera. Our latest transaction could not have been done by anyone else! Guy's knowledge is unmatched as is his dedication to his clients. When Guy says he can get something done he does it! We have used Guy's services for numerous transactions over 20 years, and for the first time my now son has just successfully completed his first purchase with Guy's help.
Nicholas Lieber recommends Guy Rivera
Proud Home Owner
Mar 25, 2014
Guy is a god among mortgage brokers. He was very knowledgeable and communicative throughout the whole process. We encountered several hurdles put up by the lender but Guy successfully navigated us to our ideal mortgage. Guy has single-handedly restored my faith in humanity.

If I had to describe Guy in 5 words: Calculating, Personable, Fast, Smart, Adorable
Brad W. recommends Debra Stedt
East Bay Homeowner
Mar 24, 2014
This is the second time we have worked with Debbie on a refinance project. In both cases, she was great to work with. She kept the ball rolling briskly and kept us informed every step of the way. There were no surprises and I don't know if it was luck or talent, but the package ended up being even better than Debbie projected. The first time we refinanced, we shopped around a bit and settled on Debbie. This time we just called Debbie.
Brian Ross recommends Jay Sondhi
Mar 22, 2014
Jay did a great job of helping me finance my recent condo purchase. It was a complicated VA Loan, but Jay's expertise, hard work, and patience allowed us to get the deal done. Jay is very knowledgeable about VA loans, and he put in a lot of work to get my building VA approved in a short time-period. I was very happy with the service and financing I received working with Jay, and I highly recommend him.
Rachel Ni recommends Aisling Ferguson
Broker Associate at Coldwell Banker
Mar 19, 2014
Aisling was very responsive, professional and knowledgeable. As a realtor, it's good to know you have a lender you can depend on. I had a pleasure working with Aisling and she is on top of getting the additional information for my clients and make sure we meet all the deadlines for the contingencies. There is no doubt that I would work with Aisling again and again.
Julian Bill recommends Aisling Ferguson
Partner Product Manager, YouTube
Mar 19, 2014
This is the second time I've worked with Aisling on a loan, once for a refi and once for a new purchase. Simply put, she's awesome to work with, always there to support and explain the process, hustling on our behalf and making sure all the boxes are ticked. I have no hesitation recommending her and will certainly work with her again if/when we need to do another transaction.
Blake Burgard recommends Guy Rivera
Police Officer
Mar 19, 2014
Guy Rivera did a great job on my Re-fi. I am very satisfied with the results. I would recommend him to anyone.
Brett Masterson recommends Ken Dean
Mar 17, 2014
Because I had an unusual loan situation due to a relo package from my company, I was unsure if I was going to be able to take advantage of the low interest rates. However, Ken helped me find a great loan with a customized loan structure when no other broker could. I highly recommend Ken for his services.
Andrea Shannon recommends Aisling Ferguson
Director of Business Development-Software Industry
Mar 17, 2014
I am so grateful I chose Aisling as my mortgage broker when I had the chance to buy a condo off -market. It was an unexpected opportunity and I only had 3 weeks to get all my finances and documents in order and close the sale. Aisling is super knowledgeable and one of the most responsive people I have ever done business with, she was available 24/7 and went " above and beyond" to help me hit all the deadlines. I was traveling for business throughout the transaction and she really helped keep things on track. She is well organized, pro-active and communicated regularly with me and the real estate agent. I felt very confident having Aisling as my partner in the loan process, it went very smooth and I also got a great rate. I highly recommend Aisling and look forward to working with her again.
Joseph Solari recommends Jihad "Jay" Totah
Fitness Professional
Mar 16, 2014
I highly recommend Jay as an excellent professional, very detail minded, honest, punctual
I have used his services in different fields often and I was very pleased with his work.
Jay has an engaging personality and will always take the time to take care of your business and make you feel that you are important to him, I am honored to be his friend.

Joseph Solari
Eric Raines recommends Jihad "Jay" Totah
Doctor of Chiropractic
Mar 13, 2014
My wife and I have known Jihad for almost twenty years now. He has helped us twice to refinance and numerous times with various types of advice. Jihad not only is extremely knowledgeable in his field of expertise but he's as honest and hardworking as the day is long ! We've had to work a few times with other loan advisors and mortgage brokers and that's when we absolutely realized how wonderful working with Jihad really is. Why ?
Because he believes in giving you the best possible service he possibly can- and it really shows ! He was very timely in providing the information we needed as well as very thorough. In addition, he's a really likeable guy, which makes dealing with the stress and complexities of dealing with refinancing that much easier. I highly recommend Jihad and his services. He will take great care of you !!
Melanie G. recommends Pete Elting and Tom Barnes
Mar 13, 2014
I have been working with Pete and now Pete & Tom for the last six+ years. They have helped me finance two home purchases and refinance another. Not only were the rates they were able to get me better than anywhere I could find (and, believe me, I shopped around), they made the process as easy as it could be, which is saying a lot given that my work with them started at the beginning of the mortgage crisis and has continued during a time when banks are very restrictive and demanding in the type of documentation they require.

Over the years, I have recommended Pete and Tom to a number of friends and I believe every single one of them who met Pete & Tom and who ended up buying a home, went with them and were happy with the results.
Paul H recommends Alan Kirth
Mar 11, 2014
I was referred to Alan after Wells lost our refinance paperwork several years ago. Alan was so knowledgeable and helpful it made the refinance process almost enjoyable. He explained things in simple terms and was able to find the best rate and program that fit our needs. He was very thorough and kept us updated on progress of our refinance. He was easy and fun to work with. I would recommend him to any friends and family.
BK recommends Aisling Ferguson
Mar 11, 2014
Aisling Ferguson came to us highly recommended by a close business associate and we now know why. Aisling completed our successful nonconforming refinance of an investment property during a challenging divorce and business situation. Aisling is a knowledgeable and effective advocate and successfully shepherded our mortgage through the approval process. This was a very high maintenance loan process that required a significant amount of additional documentation, background information, and verification. Aisling was very accessible, helpful, and responsive throughout the process and did not restrict herself to “bankers hours” to get this refinance accomplished in a very tight timeframe. Best of all, Aisling was a pleasure to work with during the entire process. I would strongly recommend that you consider Aisling Ferguson as your next mortgage broker.
Will T. Saltz recommends Alan Kirth
Home Owner -- San Francisco
Mar 10, 2014
I have known Alan for quite a few years. Alan has always conducted himself in a very professional and caring manner. More than anyone I have ever dealt with in this industry, Alan truly values the process of building long-term relationships.

I recently had to go toe-to-toe with the San Francisco Assessor-Recorder's Office regarding a property tax issue. In short, the city inappropriately increased my property taxes 12-fold and they were also seeking $45K in back-taxes. Although Alan could not help me directly, he recommended and outstanding real estate attorney (Janet Fogarty) who was invaluable to me during this very arduous 2-year process.

Alan has not only helped me but several of my friends to refinance our homes during the past 20 years. Alan is always current on industry trends and has forgotten more about the real estate industry than most real estate professionals will ever learn.

I highly recommend Alan.

William Thomas Saltz

Oh ... by the way ... I prevailed in my case against the city.
N. Sun recommends Susie Kim
Mar 9, 2014
Susie was introduced to me by my agent during my house-hunting, and I'm very fortunate she was. I can easily speak to her friendliness, knowledge, and attention to detail, but I would rather spell out how she exceeded my expectations as a mortgage broker. My situation was a little more complicated- I had just found a new job and more importantly, just became a first-time landlord. Since I had no rental income history, I found that many other brokers would be unable to assist me, but not Susie. Not only was she able to provide me funding, she made the process easy for me, clearly spelling out all the required documentation, directly communicating with my property manager back on the East Coast, and quickly communicating potential road bumps. Best of all, with the heated real estate market, thanks to Susie being able to expedite funding, I was able to set more favorable terms to close, which ended up setting me ahead of competing bids. It's safe to say that I would be going to her in the future, and I hope that a reader of this review is sufficiently compelled to do the same.
Suheil Totah recommends Jihad "Jay" Totah
EVP/Legal Development Lennar Urban
Mar 6, 2014
Jay was very diligent and responsive with my refinancing. He is very knowledgeable and efficient and secured a loan on very favorable terms. I will definately use Jay for my future loan needs.
Poppy Kimball recommends Vince Breen
Mar 6, 2014
My husband and I have worked with Vince and his team on several home loans over the past 5+ years. Vince makes the mortgage process easy to understand, easy to execute and we have never questioned the value in the decisions he helps us to make. We trust Vince and his team 100% and love working with him. He is proactive, efficient and very knowledgable. We have referred family and friends in his direction, and would highly recommend him to anyone looking for a trusted advisor in their mortgage financing.
Raymond Soudah recommends Jihad "Jay" Totah
Client / Family
Mar 4, 2014
Jihad's business professionalism has been nothing less than great. He is responsive, knowledgeable and easy to deal with. Working with Jihad has not just helped us on our loan but other areas affecting our loan. He provides quick and honest answers.

Really feel if you are looking for a lender Jihad would be a great lender to use.
Janelle Zamora recommends Dean Rizzi
Mar 3, 2014
We were trying to take some equity out of our property that was in a trust that we had recently inherited and the traditional banks and other lending institutions wanted nothing to do with us.
One call to Dean Rizzi and he was able to tell us exactly what he could do for us, how long it would take and what it would cost. Dean even recommended a wonderful attorney to help us with our estate.
I highly recommend Dean Rizzi and his team at Guarantee Mortgage Corp, our loan was approved and we did not even have to jump through any hoops!
Thank you Dean!
Jack Murray recommends Jihad "Jay" Totah
Real Estate Broker
Mar 3, 2014
Jihad Totah is a very experienced professional in the loan industry. He has proven performance time and time again, in my over a decade relationship with him as a loan broker. Jihad is service oriented and genuinely takes care of his clients with their best interest at heart. His business model of service for the client creates long lasting relationships, and benefits him with quality recommendations. Quality, Experience and Performance best describe his work.
LW & MS, Foster City, CA recommends Jihad "Jay" Totah
Self-employed business owner
Mar 3, 2014
We have used Jihad's services for our home purchase and three refinancings
and would recommend him enthusiastically and without reservation.

Jihad is extremely patient -- even with people who are newcomers to the whole process.
In addition, he is responsive, thorough, ethical, and willing to "go the extra mile"
to find the best deal and to make it happen. Plus, he is a really nice person.
We could not ask for more!

We have referred several friends to him and will certainly use his services again in

Andy Kimball recommends Vince Breen
Mar 2, 2014
Vince Breen is far and away the best in the business. He's always keeping an eye on the market for his clients and making sure we're aware of the products that are out there that match our situation. I couldn't imagine navigating through this market over the past 10 years without Vince leading the charge.
Howard G recommends Foster Weeks
Mar 1, 2014
It's been a great experience working with Foster. He breaks down the complicated jargon and process of securing a mortgage into an understandable language. Additionally, he is always available for questions throughout the process and beyond. I highly recommend his services.
Carl Ghoreichi recommends Alan Kirth
PM Business Intelligence
Mar 1, 2014
I have known Alan for over 25 years. We’ve been colleagues, and now, a friend and his client. There are few people you meet in life that leave an impression on you forever – Alan is such a person.

In the early 1990’s I decided to dabble in the mortgage loan business and joined Phoenix Mortgage. My interest was mostly to be involved in the real estate business and had no sales experience what so ever. Alan, at the time, was the branch senior Sales Manager.

I’ll never forget the first day we met and the sales orientation meeting we had. The next day I wrote my first loan application from the very first call I received. Why? I followed Alan’s instructions to the T. And it’s that very sales orientation meeting, and what I learned, that I treasure the most. It wasn’t the sales technique, or how to sell that I remember, rather the message and how to be a better listener. He taught me the importance of being thorough, understand your customer’s need, don’t be afraid to say no and most importantly be honest to yourself and your client.

After my years in the mortgage I decided to move on but always stayed in touch with Alan. Alan is the first person I recommend to friends and call when I have a real estate loan need or simply a real estate related question. And true to form, there was one occasion when Alan said he wouldn’t be able to help me and suggested alternatives. Alan always keeps himself up to date on real estate matters and I consider him one of the more knowledgeable real estate professionals.

Alan is now working on probably the 6th or 7th loan for me. I know all will go well because Alan explained all the changes that have occurred in the loan business in the past year and how it could impact my situation. Alan did his due diligence and fully and clearly articulated what to expect throughout the loan process.

I would not hesitate to recommend Alan for your real estate loan needs or simply asking his opinion about your situation. You’ll come out of the conversation with a complete understanding pertaining to your loan.

Carl Ghoreichi
Paul M recommends Alan Kirth
Feb 28, 2014
Alan was instrumental in helping me obtain the best mortgage loans. He provided a lot of information to help me understand about various financing options and ultimately select the loan that was right for me. I've refinanced several times using Alan and have always been satisfied with his services. He is very well versed in the mortgage business but he is able to explain things in laymen's terms and he is willing to take the time to answer questions. I also appreciate that he puts the my needs first and will not recommend a particular loan or refinance unless it is in my best interests, unlike the companies out there that are completely focused on making the sale. Alan is also very personable and has a good sense of humor. I definitely would recommend him
Nick B. recommends Donna R Aldrich
Entrepreneur and CTO
Feb 28, 2014
Donna Aldrich has secured mortgage financing for me not once, but twice. Not only is she intelligent, hard-working and effective, but a pleasure to work with as well.
I give Donna my highest recommendation, and, knock on wood, hope to make it 3 in the not-too-distant future.
Hala Hijazi recommends Foster Weeks
Manager, City and County of San Francisco
Feb 25, 2014
Foster Weeks is one of the most hardest working and honorable professionals I know. Whether working on behalf of his clients or SF's constituents, his dedication to his clients, work ethics, and work product and delivery, is exemplary and unparalleled.

He is a man of his word and always delivers. Foster's attentiveness to details and understanding of the real estate, business and political landscape of the city makes him an asset and invaluable in today's growing and competitive economy.

In addition to his successful business, he has led and assisted city leaders with neighborhood revitalization initiatives that economically and environmentally benefited District 5 residents.

He is also my go to person on special events: whether organizing business networking events for 300 or organizing events on behalf of President Obama, he always ensures a successful event.

Foster Weeks is exceptional.
Michelle recommends Natasha Lovas
Feb 24, 2014
I highly recommend working with Natasha. She was very knowledgable and attentive. Any questions I had big or small she was very glad to answer for us. I will defeintly recommend Natasha to all my family and friends.
Suhail Zarou recommends Terry Wilson
Senior Loan Officer
Feb 22, 2014
I have known Terry Wilson for over 20 years and have found him to be one of the smartest and most ethical people I know. His knowledge and expertise in the financing of real estate is exemplary. For anyone who is looking for a lending professional, I would strongly recommend Terry Wilson.
Deborah Garofalo recommends Donna R Aldrich
Feb 21, 2014
Donna worked very closely with me thru a challenging & frustrating ReFi process. She never gave up when we would run into problems or road-blocks. She found solutions to the problems and stayed on top of the problem areas until they were resolved. She was always available to answer my questions & give me encouragement when I got discouraged. I know she had other clients but I felt I was a priority & had her attention thru the whole process. I would highly recommend Donna to anyone looking to re-finance.
Julie S recommends Aisling Ferguson
First Time Home Buyer
Feb 18, 2014
I am SO thankful to have found Aisling. She truly made the entire home buying process so much less stress. My husband and I were first time home buyers and totally overwhelmed by the loan process before we met Aisling. She took the time to explain all the details so we fully understood everything. She was so organized and detailed-oriented! Aisling was available when we needed her, wrote pre-approval letters at a moment's notice and hustled to get everything done for us.

If you want someone organized, aggressive, understanding, experienced and on top of her game...I highly recommend working with Aisling!

At the beginninghe took the time to go through all the details
Wolf Arnold recommends Dean Rizzi
Software Engineer
Feb 17, 2014
We had a complex loan situation requiring 85% financing with two separate loans in a new condo project. Dean not only found very competitive loans but also followed through with every little detail and obstacle that the lenders were throwing at us, and helped us get our loan closed. Dean has knowledgeable staff and his office has many years of experience with loans in the local San Francisco market.
Lisa Reichenbach recommends Aisling Ferguson
Real Estate Agent
Feb 15, 2014
Aisling is an amazing mortgage broker! I have had a number of clients that are very qualified and she quickly finds the best rate, gathers information and loan docs are on there way!
I also have had clients that really want a home but are not sure how they can qualify.
Aisling uses all her resources and has ALWAYS found a solution.
I feel blessed to have found her. 5 stars. No doubt about it!!!!
Garrett Plante recommends Debra Stedt
Feb 13, 2014
I am a first time home buyer so very new to this process. Luckily, my real estate agents highly recommended Debbie. From our first conversation I was confident that I was in good hands. Debbie took her time and explained everything thoroughly. My purchase was complicated by the fact that it was a 21 day close during which I was traveling for work. Debbie made the process easy for me and even called several people to get documentation required for the loan when I was having trouble getting it due to travel demands.

In the end Debbie was able to get me what the escrow agent described as a "sweet little loan" at a great interest rate! I highly recommend her services.
Rich & Ann W recommends Guarantee Mortgage
Feb 12, 2014
Todd Flesner at Guarantee Mortgage Corp; worked hard on getting my husband and I a second mortgage when other banks gave us a hard time. Todd helped us get what we needed, Todd knows his business in and out and can give you the best rates. Working with Todd, was one of the best experiences we ever went through. Todd handled the process with no fuss and a stress free experience. I will be going back to Todd from now on for all our mortgage help. I urge anyone who is need of one of the best in this complex business to contact and work with Todd Flesner he is the best!

Rich & Ann
kathy Matthews recommends Alan Kirth
Feb 12, 2014
Just wanted to be the first to recommend Alan for any mortgage needs you may have. His expertise in the field was amazing and made the process very smooth and hassle free. I've know Alan for many years and I am so glad he is with Guarantee Mortgage. I will be referring friends for sure!. Thanks Alan!
Rose Wilson recommends Natasha Lovas
Huge Fan of Natasha Lovas!
Feb 12, 2014
I recommend Natasha wholeheartedly and I wish I would have used her for my last home purchase. I found a great house I loved in Noe Valley, and the listing agent told me the only way I could get that house would be to write an offer with her and to use her lender at CitiMortgage. I called Natasha anyway for a rate quote because I used her to buy my last home and have also refinanced with her, without a hitch. Citi also told me I could buy this house with 20% down, and Natasha told me I would need to put down 25%. Her quoted rate was .125 % higher than CitiMortgage, so I went ahead with Citi.

It turned out to be a complete nightmare. I lost sleep over this. Citi kept requesting the same items over and over. They even declined my loan unless I put down 25% after all, so I was basically set up for a bait and switch with Citi. Every time I called them, I got a different story. I felt there is no accountability there. Citi requested paperwork up to the very last moment when we happed to be out of town, which just prolonged the nightmare.

My experience with Natasha had always been 180 degrees different. If I had to do it all over again, I would gladly have paid the .125% higher rate with Natasha and get a good night's sleep during the escrow period. CitiMortgage: never again!
Nick Corcoleotes recommends Vince Breen
Feb 11, 2014
Vince was very helpful getting us a loan on our investment property. He was extremely detailed, and kept us informed during the entire process. He is very organized and knowledgeable, I would recommend Vince to anyone!
Willem Racké recommends Aisling Ferguson
Property owner
Feb 11, 2014
I have worked with Aisling for almost 10 years. She has always been a pleasure to deal with, being prompt, thorough and conscientious. I would highly recommend her to anyone.
Ellen L. recommends Natasha Lovas
happy new homeowner
Feb 10, 2014
We just closed on our first home purchase after actively looking for homes for 14 months. Natasha was always patient and kept us informed along the way. I think our financial situation was pretty complicated, but nothing seemed to phase her, nothing was too much trouble. Highly recommend!
John Aaby recommends Guarantee Mortgage
Berkeley homeowner
Feb 7, 2014
Bob guided me through two refinances with savvy advice, accurate predictions & a no nonsense approach that resulted in a very satisfied client. He helped navigate a couple of thorny issues & proved unflappable as lenders threw the occasional curveball. I have recommended him to two friends who have also been very happy with his services, and am very happy to give him a thumbs up to the general public.
John Fandel recommends Allan McAllister
Business Owner
Feb 5, 2014
Allan McAllister is a rare find. Simply stated, you will not find a better professional who you can trust will always look out for your best interests.

We recently refinanced our home in the aftermath of the 2008 financial crisis and great recession. There was only one reason we were able to secure the very lowest rate (apr) available to us - we owe it to the thoughtfulness, thoroughness, intelligence and persistence of Allan McAllister.

He was able to somehow navigate through what had become an insane, irrational home mortgage refinancing process. The process, rules and requirements seemed to be changing daily. What was most impressive was how Allan creatively used his knowledge, experience and personal industry relationships with other hard working industry colleagues to keep us in position to secure the very best financing possible. Throughout the process he never let a single item slip through the cracks, proactively kept us informed on what was happening, took the time to educate and consult with us on every critical decision and made sure to do everything possible to minimize the demands on our personal time.

I have been through over a half-dozen home financing and re-financing transactions over the past 30 years. This was the most challenging by far due to the well documented backlash of the financial crisis and subsequent great recession. We absolutely know that had it not been for Allan, we would have simply given up and missed out on getting the best result possible for us.

Allan has earned our sincerest thanks and appreciation for the immense financial benefit we realized through this transaction.
j paul bohn, aia recommends Orlando Diaz
Architect, VP, Director of Operations
Feb 5, 2014
I would highly recommend Orlando and his team to anyone seeking a new or refi'd mortgage. This is probably my 4th mortgage experience with him. In this case, he supplied numerous options to consider, greatly facilitated the mountain of paperwork, and did a wonderful job of (politely) reminding me what was left to do next.
Good advice, great service, delivered flawlessly.

I am sure when the need next arises, he will be my first call.
BillS recommends Tom Banducci
Feb 5, 2014
Tom worked with our 6-unit building through a TIC conversion to condominiums. We thought it to be a good idea to go with a single broker for all our loans, but we had no idea how much difference it would make. Our TIC conversion required all six of our new loans to close on the same day which is no easy task in this day and age. Tom was instrumental in getting this to happen for us by working with all of our owners, the different lenders involved and title company to guide us to a successful outcome. He is professional, knowledgeable, patient (extremely helpful in our particular case) and has the tools and connections to bring everything together. I can highly recommend Tom for a TIC conversion or for any lending needs you have.
Ankarino Lara recommends Tim Higbee
Founder & CPO - Thismoment, Inc
Feb 4, 2014
Tim Higbee... where to begin? My wife and I have been working with Tim back close to the turn of the century, when he so expertly assisted us in purchasing our first property, a condo in the Castro, San Francisco. At the time, I figured we didn't stand a chance! 2003-2004 was time of extreme real estate craziness in the bay area, with seasoned buyers routinely overbidding and boxing out first-home purchasers. Tim was patient, creative, and just incredible to work with, and somehow managed to make us look the part. We were accepted, moved in, and have been loyal customers of Tim ever since.

We've refinanced the San Francisco condo once, we've since purchased two properties in the Pasadena area of Los Angeles, and even just completed a refinance of our now principle residence just before the end of last year.

As I have given this advice to friends, colleagues, and well, anyone who would care to lend an ear: you would be insane to not work with Tim and Guarantee Mortgage. That's the long and the short of it. When they talk about funding your dreams, it's no joke! Before you cross anything off your list as an impossibility, pick up the phone or email this wizard. Be honest and forthcoming, come with a great sense of humor and explain your plans and desires clearly (no matter how ridiculous)... I think that you'll be amazed at the magic he wields, and refreshed by his unwavering loyalty and commitment to his customers (who really, feel more like partners). Don't be surprised if you get an even more aggressive rate just before the close, or get that always welcome, but unexpected, email one day in the future with refinancing options that are just too good to pass up.

You're entering a true partnership... this is not your average vendor/customer relationship.

Extremely satisfied partner, 5 times over-

John P. recommends Susie Kim
Feb 3, 2014
Susie is great! She is very responsive and will go out of her way to make sure you're well taken care of. She is knowledgeable and highly efficient and will make your mortgage experience as pleasant as can be!
Cynthia Traina recommends Fif Ghobadian
Feb 3, 2014
The best! She put up with my complex scenario of refinancing three properties, then asking for every possible permutation, plus our need for a Line-of-credit on top of that. And she's always willing to offer advice after-the-deal.
Ulrike Beran recommends Pete Elting and Tom Barnes
Feb 2, 2014
We used Pete's services when we refinanced our property. His expertise and professionalism was superb. He made the process easy and simple and painless.
Kerryn recommends Jay Sondhi
Jan 30, 2014
I was very impressed with Jay Sondhi. Our loan was fairly complicated and took some time to complete. Jay was thorough, detailed and followed through on requests. Our loan was approved with a compettive interest rate. I would use him again and I recommend him highly.