Natasha Lovas

Senior Mortgage Advisor - San Francisco - Montgomery St. Guarantee Mortgage NMLS #239455 / 1850 - CA BRE #01161948 / 01215943
A Warm, Friendly and Expert Mortgage Professional for the San Francisco Bay Area!

You dream of owning your own home someday, but don’t know if you will qualify for a mortgage. Or you’re interested in refinancing and want to know your options. You don’t have time to shop around for the best deal. Or you just plain don’t want to go through the loan process all by yourself.

As a professional mortgage advisor and broker, I have been trusted by hundreds of people in the San Francisco Bay Area over the past twenty years. My expertise, dedication and passion for financing will save you time and money.

Whether you’re buying a home, making an investment, or refinancing, I can help.

Equal Housing Opportunity
NMLS #239455 / 1850
CA BRE #01161948 / 01215943

Share

Feb 24, 2014
I highly recommend working with Natasha. She was very knowledgable and attentive. Any questions I had big or small she was very glad to answer for us. I will defeintly recommend Natasha to all my family and friends.
Feb 12, 2014
Huge Fan of Natasha Lovas!
I recommend Natasha wholeheartedly and I wish I would have used her for my last home purchase. I found a great house I loved in Noe Valley, and the listing agent told me the only way I could get that house would be to write an offer with her and to use her lender at CitiMortgage. I called Natasha anyway for a rate quote because I used her to buy my last home and have also refinanced with her, without a hitch. Citi also told me I could buy this house with 20% down, and Natasha told me I would need to put down 25%. Her quoted rate was .125 % higher than CitiMortgage, so I went ahead with Citi.

It turned out to be a complete nightmare. I lost sleep over this. Citi kept requesting the same items over and over. They even declined my loan unless I put down 25% after all, so I was basically set up for a bait and switch with Citi. Every time I called them, I got a different story. I felt there is no accountability there. Citi requested paperwork up to the very last moment when we happed to be out of town, which just prolonged the nightmare.

My experience with Natasha had always been 180 degrees different. If I had to do it all over again, I would gladly have paid the .125% higher rate with Natasha and get a good night's sleep during the escrow period. CitiMortgage: never again!
Feb 10, 2014
happy new homeowner
We just closed on our first home purchase after actively looking for homes for 14 months. Natasha was always patient and kept us informed along the way. I think our financial situation was pretty complicated, but nothing seemed to phase her, nothing was too much trouble. Highly recommend!
Dec 5, 2013
Happy Client & Family!
We completed a condo conversion in San Francisco in July, 2013, and Natasha Lovas and her team at Guarantee Mortgage helped to guide us through the complex refinance process. The secure online application at Guarantee Mortgage was easy to navigate, and uploading our documents to the secure site was very convenient.

We were not really sure what was required for the condo conversion, but luckily Natasha and Sara were very knowledgeable. They communicated with us regularly to make sure that we completed all of the necessary documents.

Natasha was very flexible, and was willing to work with the Title Company that we originally purchased the duplex from, which made the process that much easier for us. They also worked directly with our Insurance agent, as well as the Surveyor for the Condo Map.

Before we knew it, it was time to sign loan documents. Sara arranged for a mobile notary to come to our home, and a few days later we closed with two separate loans, and a great interest rate!

I recommend Natasha highly. In fact, I recently recommended her to my son and daughter-in-law who recently purchased a single family home. Somehow, during that the very short escrow period, Natasha managed to lock the interest rate at the precise best moment, so they got a GREAT interest rate. Their escrow was completed in three weeks and they could not be more pleased.

Dec 4, 2013
Natasha was wonderful to work with! She is a great communicator - so important when you are dealing with home loan information. She made us feel well cared for. We are very confident her abilities and would work with her again in a heartbeat. Thank Natasha!
Dec 4, 2013
Owner
We completed a condo conversion in San Francisco in July, 2013, and Natasha Lovas and her team at Guarantee Mortgage helped to guide us through the complex refinance process.

The secure online application at Guarantee Mortgage was easy to navigate, and uploading our documents to the secure site was very convenient.

We were not really sure what was required for the condo conversion, but luckily Natasha and Sara were very knowledgeable. They communicated with us regularly to make sure that we completed all of the necessary documents.

Natasha was very flexible, and was willing to work with the Title Company that we originally purchased the duplex from, which made the process that much easier for us. They also worked directly with our Insurance agent, as well as the Surveyor for the Condo Map.l

Before we knew it, it was time to sign loan documents. Sara arranged for a mobile notary to come to our home, and a few days later we closed with two separate loans, and a great interest rate!

I recommend Natasha highly. In fact, I recently recommended her to my son and daughter-in-law who recently purchased a single family home. Somehow, during that the very short escrow period, Natasha managed to lock the interest rate at the precise best moment, so they got a GREAT interest rate. Their escrow was completed in three weeks and they could not be more pleased.
Nov 24, 2013
Homeowner
Natasha Lovas is a fantastic mortgage broker/advisor -- she makes a stressful process a bit easier and helps you figure out your best options. She is patient and pleasant and never makes you feel like she is rushing you or pushing you into something that feels uncomfortable. I would highly recommend Natasha to anyone looking to finance their first home, refinance their loan, or anything similar. I will continue to go to Natasha as she is trustworthy and reliable.
Oct 31, 2013
Natasha was very helpful in guiding me through our loan options. She was a pleasure to work with, and I would highly recommend her services.
Oct 19, 2013
Home owner, university professor
I can very strongly recommend Natasha Lovas as a mortgage broker and a very fine person. Natasha has now helped me with mortgages multiple times and I find her always reliable, kind, and considerate.

My recent refinance of a mortgage was more involved than in the past and Natasha's patience and understanding were needed over and over again. She is highly knowledgeable about her profession, but she also knows how to "read" people and take just the right stance to respect their anxieties or situations and create a bond of integrity and trust. She is straight-forward with her advice but not pushy.

Natasha has a very keen mind for details and data and knows how to explain the significance of it in terms I understand. When it came time for signing the final paperwork, she was the soul of Patience explaining the significance of each page and relieving any anxiety about all that darned fine print that scares the daylights out of me. And she also has a terrific assistant, Sara Gravley, who is smart, well-informed, and highly cooperative and agreeable. Thanks to both for being so professional and kind!

Oct 17, 2013
Berkeley (and former SF) home owner
We've used Natasha on two home purchases and are now on our second refi with her. She's always been great; very responsive, gets us good rates and helps make the paper work easy. And does it all with a smile.
Oct 11, 2013
I reached out to Natasha at the recommendation of a good friend for some quick advice about a mortgage loan that another agent had organized for me.

Natasha responded incredbily quickly, clearly and helpfully. She seemed to immediately understand the situation. She recommended a much better way to structure the loan to meet my goals, and I could not have been more impressed with her responsiveness and smarts. I am so glad I reached out to her.

I recommend her highly.
Oct 9, 2013
Regional Vice President
It was a pleasure to work with Natasha for the purchase of a condo in San Fransisco.
She was easy to work with and easy to reach. She provided several different loan options and actually got us a lower rate with less fees than she originally quoted. Shocking! I worked in the mortgage business for 11 years which raises my expectations and I was surprisingly pleased with Natasha and the entire process. In addition, she had an outstanding Processor. Sara is efficient and organized. These two ladies make a great team and I look forward to recommending them to my friends and family.
Sep 24, 2013
Grateful client
Persistence, Professionalism, Perfection. Natasha's commitment to our TIC conversion was exemplary from the start. She managed a complicated transaction during a complicated time with patience and clarity and dedication. I felt absolute confidence in all her work and recommend her to anyone as being the best in her field.
Sep 23, 2013
This is our first time applying for a mortgage and we knew very little about the process. Having Natasha guide us through all of our options and explain which scenario would make the most sense for us while answering all of our questions proved incredibly helpful. Natasha has been a pleasure to work with and has really helped to demystify everything.
Sep 23, 2013
Natasha did a nice job for us not once but twice. First she got us a good loan for our very first home and then she refinanced for a better rate for us less than a year later. She carefully explained the loan terms and answered our questions. We're very satisfied customers.
Sep 23, 2013
home owner in San Francisco
Natasha is a very hard worker. I have received emails from her at 6:00 a.m. and 10:00 p.m. but probably not on the same day. anyway, she always seems to be plugged in, available, and is actually fun to work with.
Sep 21, 2013
condo owners
Natasha is the best mortgage broker we have ever worked with. We moved here from New York five years ago and she helped us purchase two properties since then. We wouldn't dream of using anyone else!
Sep 21, 2013
home buyer
Natasha has always been wonderful to work with! My husband and I were first time home buyers and Natasha was very patient with us and excellent at explaining everything. She also helped us with our refinance and has been very savvy and creative in finding the right deals for us. She works hard and is honest, straightforward, and friendly. I would definitely recommend Natasha.
Sep 20, 2013
Natasha has helped us refinance twice and both times the process has been easy and pleasant. I've referred her a few times to other people and she's my first choice for future refinances. The best thing about working with Natasha, compared to other brokers I've worked with in the past, is that she clearly explains everything! I can't emphasize enough how refreshing and different that quality is in a mortgage broker.
Sep 19, 2013
Natsaha Made our Loan process extremely simple and was a pleasure to work with, With acquiring our initial loan, and also with refinance.
Sep 19, 2013
I got a very professional service from Natasha. Because her background she was able to advise me on different options and ultimately found for me and my exwife the best loans for our unique case. I definitely recommend her for her services. She will make you feel comfortable because she knows her business and she gives no pressure if you are not ready. Thanks again Natasha.
Sep 18, 2013
Customer and home owner.
Natasha arranged our first mortgage and did a refinance for us. Professional, competent and friendly.
Sep 18, 2013
Happy Home Owner
Our experience with Natsha was, in a word, perfect. We met with her before buying our first home, and she put together the best available mortgage options. Far more professional and thorough than other people we met with.

Three years later we were thinking of refinancing, and Natasha was our only choice. We did some shopping around, but again she was the best by far. We are very with our new mortgage and our home.

She answered every question we had in plain easy to understand terms.

We will use her services again, if we refinance or buy again.
Sep 18, 2013
RCIS at Kaiser Permanente
I have known Natasha for 30 years and she has been my mortgage broker for 15 of those years. She has always provided me with not only great service, but sound advice. I recommend her wholeheartedly!
Sep 18, 2013
College Admissions.
I met Natasha Lovas when I bought my first house. That was 18 years ago. She helped me wth my second home and with refinancing. She is a pleasure to work with. She is polite and punctual. She knows her product inside out. I would always recommend Natasha to friends and family for their mortgage needs.

Partner Network