Debra Stedt

Sr. Loan Consultant - San Francisco - Montgomery St. Guarantee Mortgage NMLS #247657 / 1850 - CA BRE #00972315 / 01215943
As one of the top 5% producers for Guarantee Mortgage, Debra prides herself on being detailed oriented, having excellent communication skills and making sure her clients are well cared for throughout the loan process. Debra has been the in-house mortgage consultant at Herth Real Estate for over 20 years. Realtors and clients alike have appreciated her responsiveness and mastery of getting new home purchases funded.

Debra was born and raised in Illinois, and takes pride in her children, stepchildren, & grandchildren. She enjoys playing golf with her husband and spending time with her family.

Equal Housing Opportunity
NMLS #247657 / 1850
CA BRE #00972315 / 01215943
Aug 31, 2016
Purchasing Manager
Debra 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 Debra.
Aug 29, 2016
I was referred to Debbie when I bought my first house in 1994 and she has been my mortgage broker ever since, guiding me through a subsequent purchase and several refinances. Debbie is incredibly responsive, communicative and knowledgeable. She makes the sometimes byzantine loan approval process as easy and painless as possible. I highly recommend her.
Aug 25, 2016
Ms. Stedt has guided me through the complex processes of buying and refinancing my home, helping me get the best loan rates, explaining the process in easily understood terms, and making the process as painless as possible. She has been a great resource and I will highly recommend her to anyone.
Jul 6, 2016
Debbie was a pleasure to work with throughout our home buying process. She was extremely responsive and prompt, both essential qualities when the SF real estate market demands competitive offers with short (basically as short as possible) escrow periods. I was so impressed with her ability field and filter questions from our lender, such that it was easy for us to provide supporting information to push our transaction through. She anticipated issues, asked for supporting materials with enough lead time, so that we weren't stressed out or rushing as we approach the end of our closing period. I recommend Debbie without hesitation and would use her again for future transactions.
Jun 23, 2016
Library Director
I highly recommend Debra Stedt. She is incredibly responsive, answering questions within minutes via email. Debbie is patient--even if you ask the same question a hundred times!--and a very good explainer. She takes her job seriously, recognizing that she's not simply organizing information, but helping her clients understand the financial choices they're making. This is my third home purchase, and this loan experience was by far my best.
Jun 23, 2016
Debbie did a fantastic job to help my buyers secure their home loan and close earlier than anticipated!
Jun 23, 2016
Director of Legal
Working with Debbie was an absolute pleasure. This was our 5th home loan transaction and Debbie's customer service and ability were far and away the best we had received. Debbie is extremely proactive and extremely responsive. There is no waiting around for a response from Debbie and it is never hard to get a hold of her. And usually when I had a question or issue, Debbie had already addressed it. She also is able to talk with sellers and sellers' agents in support of bids in a competitive market. I'd highly recommend her - she is awesome!
May 1, 2016
Broker Associate
Deb has handled loans for several clients of mine and, without exception, has done a fantastic job. She communicates very well with both me and the clients. Knows the rules for all the loans she places, anticipates problems and works tirelessly to get the job done. She is really an amazing mortgage broker - the best I have ever used.
Apr 25, 2016
Head Counselor, Ruth Asawa School of the Arts
As a first time home owner I had a significant amount of uncertainty and a touch of anxiety as I navigated the complicated and intricate process of securing a home loan and completing the purchase. Debbie and her team made the process completely manageable and were incredibly responsive and thorough every single step of the way and thus I had zero hiccups or roadblocks when I finally found the home I had been looking for in Oakland. I can't recommend Debbie, Kathy, and her team highly enough. They leave no stone unturned, answer any and all questions, and most importantly are phenomenally competent. I would work with them again with zero hesitation. Thanks Debbie and Kathy!
Apr 24, 2016
My clients and I have had the wonderful opportunity to work with Debra Stedt while securing their home financing. Debra is a consummate professional, covering every base with diligence and purpose.

We closed the last transaction together in 21 days. Debra was working hard behind the scenes to make sure the deal closed according to plan. Working closely with her clients, Debra takes a personal approach to guiding them through the financing process which for some can be daunting. She makes it an easy and smooth experience for both the client and their agents, and her warm and calm personality makes everyone feel at ease.

I am proud to say I can confidently refer my clients Debra for all their financing needs, and I look forward to working with her in the future.
Apr 15, 2016
Head of Content, Visa
Debra is a consummate professional. She engineered a refinance when I had just accepted an offer for a new job, which can be sticky. She also watched for rate and points reductions and jumped on them during my refinance, beating the competing loan from my existing bank. This is the second time I've worked with her and I would do it again.
Apr 4, 2016
Chief Architect
This is my second time refinancing with Debra. She and her team handle the process professionally, efficiently, and with clarity throughout. This time, almost all interactions were digital via secure channels, so I never had to set foot in her office. This was a great time saver. I expect to bring any future business back to her.
Mar 28, 2016
house buyer
I m very pleasant working with Debra to buy and refinance for my house. Debra is the smartest and fastest consultant I have ever worked with. She helped me close the loan on time which it is supposed to. She also reaching different rates option which is good and affordable for me. I'm very satisfied with her professional work.
Thank you so much for your help and your contribution dealing with me, Mrs. Debra.
You are the best consultant.
Mar 15, 2016
I was the listing agent for 102 Starboard Dr., Vallejo, CA and Debra was the Loan Consultant for the Buyer. She was extremely responsive to all parties; gave us a realistic time line for processing the loan and met those due dates; and we closed the transaction on time and to the satisfaction of all parties. I was extremely impressed with her level of service and professionalism. It is really difficult to find Loan Consultants who truly put the interests of the client foremost and Debra certainly does that. I am happy to recommend Debra!
Mar 12, 2016
It is always a pleasure working with Debra Stedt. The numerous times I have gotten a loan and refinanced, Debra has been professional and efficient. I'm satisfied she has arranged the best and most advantageous financing I am qualified for. And I can count on her to give me good advice and timely reminders in the very complex and time-consuming documentation for loan products. I would gladly recommend her to friends and relatives.
Feb 8, 2016
I have been working with Debra for 16 years Debra has always impressed me an my realtor on quick and efficient closings. When looking for a loan make sure to use Debra.
Jan 17, 2016
Director, Accounts
Debra was simply excellent in every possible way. She is supremely knowledgeable, patient with my host of questions (first-time buyer, so a huge number), and incredibly prompt with all phases of the process. Would absolutely work with her again, and cannot recommend her strongly enough to other buyers.
Dec 30, 2015
Science Educator and Homeowner
This is the second time I've worked with Debra - 17 years ago for our original purchase and just this past year for a re-fi on my newly converted condo. She's really great - knowledgeable, friendly, and lightning quick in terms of communication. I don't think I've ever waited longer than 5 minutes to get a reply to one of my emails to her. She worked hard to get me an amazingly low rate in spite of some credit challenges in my recent history. I would recommend her to anyone without reservation!
Dec 29, 2015
QA Manager, Pandora Media
This was our second home buying experience and Debra came recommended by our real estate agent as being one of the best to work with. Boy, was he right.

From day one, Debra was on it. She made everything as easy as possible - from handholding through every step to actual close. Aside from that, Debra knows her stuff and knows how to really "work" for you. She found the best loan options to suit my financial background and explained everything in detail.

Debra was always there when I needed to answer a silly question or just to put my mind at ease. Even though we had purchased a home before, it can still be a daunting experience. I appreciated having Debra on our side.

She's a true professional and I would not only work with her again, but recommend her to any of my friends/family looking to buy a house.

Thanks, Debra...

Jake Brower
Dec 16, 2015
Broker Associate
Deb is a consummate professional. I have referred many clients to her and never been disappointed. She always takes the time to explain the complicated details of financing a home and persists until she finds a solution that fits with the client's needs and abilities. And then she closes the deal, paying attention to every detail, communicating clearly and effectively with lenders, agents, escrow officers and clients to finish the job. Her experience, work ethic and good humor make every transaction a pleasure.
Aug 26, 2015
Debra (and her assistant Kathy) are amazing to work with! Over the past 25 years I had refinanced my mortgage 4 times with Debra. Every time, she made the whole process very easy. As the lending requirements became more and more stringent, she was very helpful in making sure my applications were complete. She was always able to get excellent rates. She is always very patient and informative and very prompt in responding to my questions and concerns.

I would recommend her highly (and I have referred many of my friends and relatives as well).
Aug 17, 2015
Library Professional
Through two home purchases, Debra Stedt has been an absolute joy to work with. Her professionalism and thorough knowledge of the mortgage maze has made each experience so much easier for us. We know we will always be in good hands with her.
Aug 15, 2015
Debra helped us refinance our mortgage recently and we had an excellent experience working with her. From the first contact with Debra (she answered right away and stayed with me on the phone for quite a while as she noted our information), through the entire process, Debra was easy to access via email and phone, clear in her explanations, and responsive to our questions. Debra gave us options and ultimately found us a very low interest rate, as well as low closing costs. It was the second time we have refinanced with Debra and we can highly recommend her services!
Jul 30, 2015
Sr Manager Marketing
Debra Stedt is a pleasure to work with. She makes the loan process seamless. She is thorough, always happy to answer questions and gives accurate, helpful information to make your loan decision easier. i would highly recommend her to help with your loan process.
Jul 28, 2015
Senior Engineering Manager
I was referred to Debra Stedt by a friend, after another mortgage broker could not provide me the type of loans I wanted for refinancing 2 of my properties. In addition to this, my refinance was part of a complicated 3 party TIC to condo conversion refinance, with 3 separate mortgage brokers. Debra was able to find the exact type of loans I wanted, for both properties, very quickly. I was amazed!

Debra is very knowledgeable, responsive, pro-active, and efficient. She provided me great advice every step of the way, and I felt that she always had what was best for my situation in mind. She also spear-headed coordination with the other mortgage brokers to keep the entire refinance process moving forward, despite set-backs from my TIC partners.

I am a very happy customer, and I highly recommend Debra Stedt.

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