Kathy Derangi

Loan Consultant - San Francisco - Montgomery St. Guarantee Mortgage NMLS #1151839 / 1850
Equal Housing Opportunity
NMLS #1151839 / 1850


Oct 12, 2017
Kathy was extremely helpful, always on top of everything that we needed to secure our loan. She was always reachable and returned our calls and emails immediately. I'd highly recommend her to anyone in the process of buying a home.
Sep 12, 2017
Buyers of our first investment home
Kathy was amazing! She worked hard to find us the best rate, and even harder to make sure we closed escrow on time and without complications. Our purchase was of a home for investment, and the bank's requests for more information and documentation seemed to come in a daily stream. Kathy was always right on top of it, so there was never a hold up. And she gave us all kinds of information and assistance with our own issues. We highly recommend her!
Sep 11, 2017
Senior Escrow Officer
I wasn't sure how busy Kathy was, but she took the time to explain a few different rates and fees and closed my refinance in less than 30 days. She took all of the stress off me. (it's so different when its your own property). I have used Kathy a couple of times now and I wouldn't go anywhere else.
Aug 29, 2017
Kathy was great to work with, responsive and able to talk through the nuances of my mortgage as needed. Communication was timely and appropriate at different stages of the process. Would highly recommend her to future home buyers.
Aug 24, 2017
Clinical pharmacist
Kathy was wonderful right from the start! We own multiple properties in San Francisco. Other lenders were not willing to work with us on financing to acquire another property. I explained our situation to Kathy, and right from the start she gave me a plan for us to obtain the financing we need. The entire process was very smooth and communication with Kathy was great. I have worked with many other loan agents and I can say without a doubt this was the easiest and smoothest experience I have had. No surprises, great communication, top-notch customer service. What more could you ask for? Plan to always use Kathy and GM from this point forward.
Jul 30, 2017
Senior Director, Digital Strategy
Kathy was tremendous from the very start, we walked us through all the nuances of the process, and how it would work once we did get into contract. She made sure we were completely educated in the process, from the very start, and worked with us closely to make sure we had all the advantages going into close. I would recommend her highly for anyone looking for a trustworthy loan officer who will make sure you are taken care of.
Jul 14, 2017
Counselor, College of San Mateo
Kathy Derangi, Loan Consultant at Guarantee Mortgage is incredible at her job. In fall, 2016 I needed to refinance as part of the Marital Separation Agreement with my ex-husband, and near the end of the process a family emergency prevented my ex from signing-off on the Title which brought things to a frustrating halt. Even though the refinancing fell apart, she was very encouraging, conciliatory, and up-beat. In spring, 2017 she and I tried again with great success. Kathy was very clear about what I needed to do, and guided me with kindness and humor throughout the process both times. She not only kept me motivated and sane, she also reassured my ex and helped him navigate his part of the process. I will not hesitate to engage her services in the future and highly, highly, highly recommend her to friends and colleagues. She is Awesome. Martin Bednarek, July, 2017
Jun 20, 2017
Senior Risk Manager, Global Security and Safety, Salesforce
Kathy was very responsive and helpful - I used her expertise to get pre-approved and, of course, through my close. She provided very good support for a very quick offer (saw it on a Sat. - bid was in by 4pm Monday) and when some modifications needed to be done and the title re-signed she took the lead for ensuring that my time was taken into consideration and brought the papers to me herself. She is very pleasant and a pleasure to work with during the stress that buying a home brings!
Jun 7, 2017
Residential and Commercial Realtor
Kathy is Extremely responsive, hard working, thorough, and she truly cares about the needs of her clients!! Loan Consultants like Kathy make my job as a realtor easier!
May 2, 2017
Kelly Bridge
Kathy was such a pleasure to work with. She is extremely responsive and was always available when I needed her. She made the loan process seamless and painless, which speaks volumes to her ability as a loan consultant, considering it is such a daunting task applying for a home loan! I highly recommend Kathy to everyone and anyone for their home loan needs! She is amazing!
May 2, 2017
Kathy did a great job with our re-fi. Everything proceeded in a clear and speedy manner despite all of the extra steps required due to our self employed income. We would certainly call Kathy again and can highly recommend her.
Apr 8, 2017
Director, Teacher Development and Instructional Design
Kathy was a pleasure to work with and made the extremely stressful process of getting a home loan a little less so with her strong communication and attention to detail. We appreciated her commitment to getting things done quickly and efficiently. We would definitely recommend working with Kathy!
Mar 15, 2017
Kathy is awesome! This is the third time that we've used Guarantee and we couldn't be happier with Kathy's work. She's proactive, professional, very responsive and she helped us get the refi done quickly!
Mar 8, 2017
Owner, Natures Pure Bliss, LLC
After spending 4 months working with BofA and Chase mortgage depts., having last minute issues with what part of my husband and my income could be used to meet the required income/debt ratios, I began the process of refinancing an existing first mortgage plus equity line of credit (which had matured) into a new first mortgage. From the beginning of working with Kathy and Guarantee Mortgage, I felt that after she reviewed our preliminary information and indicated that there was a high probability of success, I had found a mortgage professional who knew the criteria of the Underwriting Dept. She skillfully guided us through the refinance process and we closed our new mortgage in less than 5 weeks. Oliver and I are very pleased!
Feb 16, 2017
Real Estate Agent with Zephyr Real Estate
Kathy is by far one of the most professional loan agents that I have had the pleasure to work with in my almost 20 year career. Every transaction is handled with great care and diligence. This is crucial to ensure a smooth and successful escrow. I can highly recommend her services.

Ravi Malhotra, Zephyr Real Estate
Jan 26, 2017
Broker Associate
I heartily recommend Kathy. As a Realtor, the most important things we look for in a mortgage broker is consistent communication, knowledge and experience. Kathy has all three in spades. We had a difficult transaction where another mortgage broker could not meet the buyer's needs. Kathy stepped in, calmed them down, and got the job done still within the agreed-upon escrow period. Every question she answers promptly, clearly and correctly. I love Kathy and am happy to recommend her to my clients every time.
Dec 13, 2016
This is the third time I've refinanced with GM, and the second time with Kathy, to take advantage of reduced loan rates over the years. This last refi has been the smoothest experience yet. She is clear, attentive, and organized. Their secure server for document uploads and e-signing procedure is safe, convenient, and simple to navigate. Overall a very professional and easy experience.
Dec 7, 2016
Kathy was super responsible and available to us during our home loan process. I couldn't have asked for a better experience. She was forthright and honest, and I didn't ever feel like I had no idea what was going on. I'm so glad we worked with her!!
Oct 26, 2016
Program Manager
Kathy and her partner came highly recommended via a friend of mine who had used Guarantee Mortgage for several real estate transactions. Kathy was wonderful to work with, had every detail covered, and was responsive and helpful. I would recommend her again and again.
Sep 28, 2016
Global Logistics
Kathy did an excellent job for us! She was on top of everything, always kept us well informed and communicated frequently. She responded immediately to all questions throughout the process of purchasing our 2nd home. Highly recommended!
Aug 31, 2016
Purchasing Manager
Kathy provided us with a great service. She is very knowledgeable, very helpful and always ready to respond to our emails. These attributes were very important to us while processing our loan. We highly recommend Kathy.
Aug 30, 2016
Kathy worked on my latest refinance and did an outstanding job. She was very responsive and communicative and checked in frequently to make sure the process was running smoothly.
Aug 25, 2016
Kathy took over for a colleague, helping me complete the refinance of my home. She was there for me every step of the way with all the information I needed when I needed it. It was a pleasure working with her.
Jul 6, 2016
Kathy was a joy to work with throughout our home buying process. She was extremely responsive and was critical to helping us exceed our already tight timelines. We were initially set to close on a Monday, but Kathy helped us line up documents and fielded lender requirements, such that we were able to close on a Friday (providing us with an extra weekend to prepare for our move). I would not hesitate to work with Kathy again.
Jun 25, 2016
Kathy was the consummate professional with a wonderful human touch. This can be a stressful process and Kathy helped alleviate that stress by keeping us informed every step of the way. She clearly communicated what was needed on our end and was quick to follow up. Her experience clearly showed. She was an absolute delight to work with.