Larry Horowitz

Loan Consultant - San Francisco - Montgomery St. Guarantee Mortgage NMLS #239001 / 1850 - CA BRE #01003870 / 01215943
Larry received his Bachelor’s Degree in accounting from the University of Texas in Austin, rated as one of the best accounting schools in the country. Larry’s financial services career began with the Big 8 accounting firm, Arthur Young in San Jose.

After obtaining his CPA license, Larry went on to graduate with a Master’s Degree in Financial Planning from Golden Gate University. In 1988, Larry left accounting and commenced his new career in mortgage financing. After seven years with South Bay Mortgage in Los Gatos, Larry relocated to San Francisco and joined Guarantee Mortgage. Larry has been part of Guarantee Mortgage’s rapidly expanding family for the past 10 years.

Equal Housing Opportunity
NMLS #239001 / 1850
CA BRE #01003870 / 01215943

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Aug 25, 2016
Just refinanced with Larry once again. I believe this is the 3rd time! It went great. Larry has so much patience for this complicated process. My family has been working with Larry for over 20 years. My brother, my sister and my parents all have had great working relationships with him. We highly recommend Larry!
Apr 21, 2016
Network Administrator
Larry is the best!!!!
We have worked together on 3 deals over the past 8 years and he continues to impress me by his knowledge and his experience.
Feb 22, 2016
I've worked with Larry 3 times over the past 7 years when I originally purchased my home and twice when I refinanced. He walked me through the entire process and was so quick with responding to my questions 24 x 7. When considering my mortgage options Larry presented me with all my choices and helped me calculate the impact of each. I never felt forced into making a decision and always felt confident when I did because I had all the facts. I greatly respect his high level of integrity and knowledge of the business which coupled with his pleasant and approachable personality he's who I call for all my mortgage needs.
Nov 19, 2015
Larry has a unique balance between professional excellence and customer care. He is efficient, detail oriented, highly skilled and has a cutting edge view of the mortgage industry. He is also a great communicator and goes above-and-beyond to make the refinancing process as headache-free as possible. We highly recommend Larry, and are grateful for his partnership of 19 years.
Aug 5, 2015
Larry was a pleasure to work with! Throughout the entire application process, I never had to wait for answers to any questions I had for him and I never had to wait for status updates on my application. He was very thorough in ensuring that I was well-informed throughout the application process. In fact, the entire application process felt relatively easy and convenient while I was working with Larry.

Definitely give him a call if you need to work on applying for a mortgage or a refinance. I'll definitely be going back to him if I need to apply for another mortgage/refinance in the future.
Jul 26, 2015
We've worked with Larry for the past 13 years. He is one of the most honest and professional individuals I have ever encountered in the industry. Over the years he has acted as a trusted partner working with us to make the best mortgage decisions for our family, never pressuring us to make a move that did not make sense. I have no qualms recommending Larry to anyone looking for help to secure a mortgage.
May 14, 2015
San Francisco homeowner
Larry helped me with my initial mortgage over ten years ago and with refinancing twice. Very knowledgeable. Very helpful. And very service-oriented. Each time I got a great product that was right for me and without any pressure. Everything went smoothly each time. I'm definitely going back to him next time. Thanks Larry.
Mar 15, 2015
Senior Tax Manager
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.
Jan 8, 2015
Homeowner
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!
Jan 8, 2015
property owner
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.
Sep 20, 2014
SVP/Partner
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!
Sep 10, 2014
A very satisfied customer
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.
May 29, 2014
RN
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.
May 27, 2014
Cleint
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!
Apr 7, 2014
home owner
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.
Oct 14, 2013
I would highly recommend Larry Horowitz and his team for all your mortgage and refinancing needs. I just recently refinanced my loan and Larry was very helpful. He is extremely knowledgeable and takes the time to explain the process. I have recommended him to other acquaintances, would definitely recommend him in the future.
Oct 4, 2013
Client
We have known and worked with Larry for nearly 20 years. He has helped us purchase 3 different homes. As we live in one of the most competitive housing markets in the nation, having a true expert is essential. Larry's knowledge of the home market and finance, coupled with his unbelievable responsiveness are exceptional. We would not work with anyone else.
Sep 22, 2013
Client
Larry Horowitz is the guy who can find you the right mortgage for whatever your particular situation is and get you through the process in the most efficient way possible. I have been doing business with him since sometime around 1996, including primary residence initial purchase mortgages, investment property initial purchase mortgages, and many refinances on both as rates came down. (Thank you, Greenspan and Bernanke!)

Larry has several traits that make him a valuable asset to have in your stable of “go to” support people - he’s honest, he’s smart, he knows the mortgage business like no one else I’ve ever met, and most importantly, he truly keeps his client’s best interests at the center of his actions and recommendations at all times. How many times has your plumber or mechanic reached out to you to tell you that something has just happened in the market, and he can save you $300-400 a month for the next 15 years and it will only cost you the price of an appraisal? And then really do it! Larry has made this happen for me more than once! It’s why I’ve become one of his biggest fans and keep coming back to him whenever the subject is mortgages.

I have recommended Larry to many of my closest friends over the years. They have always come back and thanked me for sharing my mortgage “secret weapon!” They all say they would use him again in a heartbeat. No matter what your personal financial situation, you will be thrilled you chose to work with Larry Horowitz!
Sep 11, 2013
clients
We learned about Larry from a very close friend. Larry was extremely helpful and patient for our first home purchase mortgage, and we liked him so much that he handled two consecutive refinances for us.

We always felt that Larry has our best interests in mind, and he never bothered us with anything that we were not interested in.

We would strongly recommend Larry to our closest friends and family.
Sep 10, 2013
My wife and I, as well as several friends, have always used Larry for our real estate financing. The reason we continue to use Larry, and refer him to our friends who use him as well, is because he is conscientious, always follows through, is thorough and always offers competitive rates. He keeps us informed of the process from beginning to end and ensures nothing falls thru cracks.

Additionally, he is proactive about letting us know where market rates are and if it is in our best interest to re-finance. I would recommend him whole heartedly to anyone looking for a real estate loan specialist to work with.
Sep 9, 2013
Silicon Valley Executive
Larry is an exceptional mortgage broker. He is extremely efficient and keeps you completely informed at every step in the mortgage application and review process. He is available at any hour to answer questions and follows up virtually instantly. He seeks to obtain the most favorable rates and terms. Larry is also very proactive and has made me aware of refinancing options that may have otherwise gone unnoticed. His professionalism is evident at all times. No request is too small for him to respond to and he does so with a genuine interest in ensuring he is meeting the client's needs. I can't recommend him to enough people. He is truly the best I have ever had the pleasure of working with.
Sep 9, 2013
Working with Larry throughout the ten years since we bought our home has been a pleasure. He has helped us on multiple occasions to refinance and each time he has been extremely professional and efficient. Furthermore, Larry has always responded promptly to all our concerns and provided guidance with his exceptional knowledge of the process.
Sep 9, 2013
Client
Larry does a fantastic job making the mortage/re-fianance process smooth and simple. I hate all the paperwork but with his guidance it does not feel like such a burden. He always finds us the best rates and explains our options clearly and simply. Larry stays in contact during the entire process and is always readily available for questions. I would highly recommend Larry.
Sep 7, 2013
Senior Safety Consultant
If you are looking for a mortgage broker I strongly recommend Larry Horowitz as an excellent choice for your next loan. In fact, I have recommended him to my friends already and they feel the same way I do about this guy.

We have used Larry to get our home loan and later to refinance for a great rate. Each time we found him to be 100% confidential with our personal matters. He also had unquestionable integrity, and a genuine intention to do the best he could do to ensure we got the best deal possible. He is very thorough and will ask for a lot of question but, you will no be surprised or get caught off guard in the process which we found to be very reassuring. I trust him implicitly and strongly suggest that if you want the best, go no further because you have just found him. You will feel like you have a friend in the business that has your back.
Sep 6, 2013
I have known Larry for over 24 years. Being in the mortgage industry for over 27 years, I have yet to come across anyone more trustworthy, honest, knowledgeable, and professional. He will always look to benefiting the client over his benefit. He is very diligent about making sure we understand the costs, savings, and overall financial goals. I trust Larry's advise whole heartedly and have the upmost respect for his work ethic.