Kathy Derangi

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


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.
Jun 23, 2016
Director of Legal
Kathy was a pleasure to work with - first and foremost, she is very responsive and very diligent, which means that the little details that are critical to closing a deal don't get lost. I received a home loan with Kathy's assistance for the first time this year (after having done 4 or 5 transactions in the past) - and this was by far the best service I had ever received, Kathy and her team were by far the most competent loan consultants I have ever worked with, and I would absolutely use Guarantee Mortgage again (in the past I have found myself talking directly to loan underwriters to move things forward - I didn't have to do that once with Guarantee Mortgage and, in fact, Guarantee Mortgage anticipated in advance issues and questions that would come up and, as a result, we never had any issues). I'd highly, highly recommend Kathy.
Aug 18, 2015
Nurse Practitioner
My loan agent Kathy Derangi was extraordinary. She was consistently professional, and handled every problem with ease. She went way beyond the extra mile to make sure that my loan went through on time, despite the unforseen "bumps in the road." I was new to buying real estate, and had no idea the complexity of each step, but Kathy handled it like a seasoned pro. She is definitley one of the best in the business, and couldn't imaging working with anyone else!
Aug 13, 2015
There aren't words to describe how amazing Kathy Derangi had been with my husband and I throughout the process of buying our first home together! My husband and I had both been previous home owners, but I was the with a past short sale! Kathy worked so well with both of us to ensure we get a great rate, experience, and loan that fit our budget and life style! Kathy was very professional, to the point, kind, and humorous throughout this whole process! I will be back to her for any loan business and will refer my friends to her hands down! Thank you Kathy for all your amazing work! We love our home!
Aug 11, 2015
I am a Project Manager for TubeMogul, Inc.
This is my second time going through the escrow process, but this time I needed to refinance my house for personal endeavors. The first time was terrible and reminded me of how painful the process is. Nevertheless, I did learn from my previous experience on how to prepare and what action items would be needed. Working with Kathy made this process seamless and less stressful. Kathy always answered my questions clearly and with a quick turnaround. Most importantly, Kathy provided a great experience by her responsiveness and guidance. I will definitely do business with her again!
Mar 8, 2015
Sr. Research Scientist; Marketing Director
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!