Fif Ghobadian

Sr. Loan Consultant - San Francisco - Montgomery St. Guarantee Mortgage NMLS #110501 / 1850 - CA BRE #01394440 / 01215943
As the #1 top producer since 2011, Fif’s main focus is to provide the best loan product for her clients. She works tirelessly through any and all complications to provide the best priced and best packaged loans for her clients.

For over 20 years, Fif held increasingly responsible financial positions at Levi-Strauss, The Gap, Clorox, & McKesson. In 2002, she became a mortgage broker to lend her financial expertise to help others.

Fif is also focused on the community at large and has served on the boards at San Francisco Day School, Pacific Primary and GirlSource.

Equal Housing Opportunity
NMLS #110501 / 1850
CA BRE #01394440 / 01215943


Feb 8, 2018
Fif and her team are extremely knowledgeable. I would definitely recommend her and work with her again on any future mortgage needs!
Jan 25, 2018
Good service
Dec 6, 2017
Owner of Massage Therapy in Miramar
Fife and her team (Joleen) were wonderful! They were very responsive to every email and text, responding within minutes most times! They did everything possible to assist and make my refi go smoothly and to make it a success!! I will be forever grateful for their assistant and helping to change my life with this refi! I would highly recommend this team to make your dreams reality!! They made what I thought was impossible, POSSIBLE!!
Thanks so much!
Oct 30, 2017
Fif and her team are amazing! No stress, patient, smooth sailing, on-the-ball, kind and no problems from beginning to end. Thank you so much for helping us buy our home!
Oct 17, 2017
Let's just say my refi was a bit convoluted. She was ever so patient and called me within minutes to assist. Unbelievably timely and seamless. A huge thank you to Fif! Highly recommend you!
Sep 1, 2017
Fif is absolutely intrepid in her efforts to deliver the best financing possible. She has literally saved two separate deals for us over the past five years. Without her help we would not have successfully made the deal work. She's creative, efficient and extremely knowledgeable. Thank you, Fif!
Aug 31, 2017
Program Manager
Fif is truly outstanding! We have worked with her twice so far on our first home loan and a refinancing. She helped us understand the process and guided us through every step of the way to a fast and great conclusion. We're thrilled and are very thankful to have had Fif's experience and advice bring us through with ease, speed and confidence. Looking forward to our next time!
Aug 16, 2017
Attorney/ Home owner
Great, efficient, informative and effective!
Thank you Fif for getting my refi done so quickly. AS a professional it really feels great to be helped by one!!!!!

Jun 12, 2017
Fif's knowledge of and expertise in mortgage lending was a huge advantage in our efforts to refinance our loan. Fif put her skillset to work in order to get us a terrific refinance package. Along with her undeniable talent, both Fif and her assistant Joleen have been an absolute joy to work with. Fif is a true team player -- always managing to both protect our interests and keep the process moving smoothly. Without a doubt, I can confidently recommend Fif. She is dedicated, knowledgeable loan consultant and an all-around great person!
May 16, 2017
Manager, Project Management
Fif is the incredible secret weapon that makes home buying in a tough market like San Francisco possible! We have done two home loans with her (including one that had contingency of selling home) and a refinance over the last seven year, and none of it would have been possible without her creativity, problem solving, and amazing speed!
Apr 11, 2017
I have been helped by Fif 3 times on refinance of my personal residence and had been on time and low rates she had promised. That's why I would use her services in the future except that she had given me very low rates that there are not any lower in the market at this time.
More power to you. Thank you for always dealing in an honest way with me. No Surprises
Mar 17, 2017
Retired Health Care Exc.
Fif was recommended by a dear friend who had done business with her in the past. What impressed me the most was her knowledge of the mortgage world. She was informative and always stayed in contact as the loan process took place.
This was so helpful in keeping one's mind at ease until the loan went through.
A true professional...
Jan 29, 2017
Advertising Researcher, Dog mom and Bay Area Native
Fif and her team were, as always, FANTASTIC!

She is so thorough, responsive and credible. We always feel so taken care of by her and her team. This is the EIGHTH financing with Fif at Guarantee Mortgage and we would never go any where else.

She will take the time you need to talk you through any issues and always delivers outstandingly competitive rates. We are so happy with Fif and her team!
Dec 13, 2016
We have worked with Fif on two home purchases now and she is nothing short of a miracle worker. In both cases she worked with our realtor to make our offer as competitive as possible and this made all the difference in having our offers accepted. She is incredibly smart in her field and efficient in her work. When I started to get cold feet she talked me through it (after work hours, mind you) and as a result I have made two very smart investments. The sale of our first home appreciated 70% in 7 years. I trust her advice completely as she has personal experience in the unique market that is San Francisco. The icing on the cake is that she is very kind and an incredible human being all around.
Dec 6, 2016
Registered Nurse
Fif was absolutely wonderful and professional at explaining the sometimes frustrating and lengthy process of refinancing a mortgage. She was ALWAYS available by phone and answered all of my questions and concerns promptly. If you are getting your first mortgage or refinancing , Fif is someone you can count on.
Nov 28, 2016
Solutions Architect
Fif was recommended to us by trusted friends and we saw why. Bottom line: She _will_ get you your loan. Her network is large and her relationships with the banks are very good. This is especially important in San Francisco where speed is important. We had some very tight financing deadlines and Fif delivered.

She is well respected in the San Francisco real estate community. We found that most agents had worked with her before and were more than happy to work with her again. A pre-approval letter from Fif got us into contract without any hesitation on the seller's part.

We were first time home buyers and Fif and Joleen were very good at walking us through the process. We can wholeheartedly recommend her if you need a mortgage.
Nov 21, 2016
Director of Services
Fif has helped us with two initial home loans and three refinancing loans over the last seven years. She is quick, super well informed about what the options are out there, and we have no doubt she is working in our best interest. Initially I was a first-time home buyer and when I needed to slow down a bit to understand what was going on, she helped me learn!
Nov 19, 2016
VP of Business Operations
Fif was extremely helpful during our refinance process which was just successfully completed. She is very knowledgeable and highly resourceful. When we hit a snag with a lender, Fif came up with a creative solution and helped us through every step to ensure that we get two great loans funded. Both Fif and her assistant were super responsive and a pleasure to work with. Thank you.
Nov 18, 2016
Paragon real estate group
I have been referring clients to Fif for approximately 10 years. Fif has always proven herself to be reliable, accessible, honest, and professional when dealing with clients, and myself. I never have any issue with asking very direct questions to Fif, as I trust she will always give me a straight answer. I would recommend Fif with any needs you may have regarding mortgage financing, or simply call her if you have questions. I am sure you will experience the consistent quality of service I have received over the years.
Nov 17, 2016
Product Manager
Fif is far and away the best mortgage broker we have ever worked with. She is 100% understanding of every complicated nuance. She got us a much better deal than any of the big banks.
Nov 17, 2016
It is a pleasure to recommend Fif! She is incredibly knowledgeable and responsive. Whenever my clients or I have a concern, Fif addresses it quickly. I have had the pleasure of working with Fif a number of times and I always know my clients are in good hands.
Nov 16, 2016
Product Marketing Manager, Google
Fif was wonderful to work with in helping us secure the house of our dreams! We went to an open house on a whim and fell in love. We knew we had to move quickly as the sellers were already expecting offers. Fif got us pre-approved in one day, on a Sunday no less, while traveling on a plane. She got us a great rate despite our complicated finances with multiple homes. Would highly recommend her!
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.
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!
Apr 11, 2014
Home Buyer
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.

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