Christopher Baker

Sr. Commercial & Residential Loan Officer - Townsend Office Guarantee Mortgage NMLS #294586 / 1850 - CA BRE #01117785 / 01215943
About Chris:

Chris is known as a positive mortgage lending professional, with a "Can Do" attitude. He offers you all of the following qualifications and more!

A True COMMERCIAL, as well as RESIDENTIAL, mortgage expert!

Twenty Five years of Mortgage Lending Experience.
MBA degree in Finance, Golden Gate University, San Francisco, CA (1989)
Represents over 200 lending institutions to provide you with the best rate.
Works with many of the Bay Area's top Real Estate Agents, from San Francisco, to San Jose, and beyond.


Senior Commercial & Residential Loan Officer
Guarantee Mortgage, A Division of American Pacific Mortgage
232 Townsend Street San Francisco, CA 94107
Direct: 650-403-1608 | Office: 650.212.5050 | eFax: 650-403-4136

Equal Housing Opportunity
NMLS #294586 / 1850
CA BRE #01117785 / 01215943


Nov 28, 2017
President, Hawaiian Riverbend, Llc
There’s nobody better . Chris can do things that others cannot. Full of honor and integrity; puts the customer first ; Able to navigate storms and obstacles; sees the job to its successful conclusion. Unparalleled professional service. You will find none better. An unspeakably rare individual.
Nov 22, 2017
I've worked with Chris for over 20 years, done it all, purchased, refinanced and even got a loan when I purchased a fast food franchise as an investment. Chris is a real pro, knows his stuff, and makes the process as easy as possible. Five stars for Chris.
Nov 20, 2017
Graphic Designer
I've worked with Chris over the years, and he has helped me with every mortgage loan I've ever had - several of them over the years - and I LOVE working with him. Chris is organized, professional, responsive, and has always gotten me the best loan compared to what others have offered. I HIGHLY recommend Chris Baker!
Oct 4, 2017
Daniel A Sullivan
Hard worker, knows the loan business, works for you and not the bank. I would recommend Mr. Baker for commercial or residential loans.
Sep 13, 2017
Chris guided us through an incredibly complicated process to get us our construction loan. He always answers his phone and does what he says he is going to do. His communication skills are amazing and was a very effective advocate for us with the Lender.
May 20, 2017
Home Buyer
My purchase was complex, and Chris helped me navigate the process easily. Very Pleased. Will certainly recommend him to my friends and family, for their mortgage needs. Thanks Chris!
May 15, 2017
Cost Analyst
Chris made financing the purchase of our first home as easy as possible. He requested so many necessary documents prior to making an offer so that we would not be bombarded with as many requests during the escrow process. I would definitely recommend him and we will be back when we need our next loan! Thanks so much :)
May 5, 2017
Mill valley
Getting a mortgage is an awful process.
Chris is a tireless and optimistic worker.
We got a great rate and closed in 30 days!
Thanks, Chris!
Feb 6, 2017
Referred to Chris by a Friend. Found him to be extremely professional, and he delivered exactly what he promised.

Will definitely consider using him in the future. Referring my daughter on a New Home purchase too.
Sep 22, 2016
Director, Product Management
We've been dealing with Chris for years. He never gave us a bad recommendation, ever. When rates weren't low enough for refinancing to make sense for us, he would say so. When we do refinance, as we just did recently, Chris makes the process smooth and simple. And he's a real pleasure to deal with all through the process. We will definitely work with Chris again.
Jun 29, 2016
I’m so impressed with Chris Baker professionalism; I would recommend him without hesitations. His responsiveness, to our questions and multiple emails was outstanding. His work ethic is amazing, always responds, day or night, even on weekends always give us details at every stage of the process. He is the best person to have in your side when you are working with multiple agents, and companies. Chris is the best at what he does he becomes part of the team.
Apr 4, 2016
I would definitely recommend Chris without a doubt! He was very communicative and took the time to explain details as this was the first time doing a refi. It was a pleasure working with him and the results were fantastic!
Mar 12, 2016
As first time buyers, working with Chris was very helpful. His communication was on point and made us feel very welcome. We threw him up against an impossible deadline and he managed to fund us even sooner than expected. We are very very pleased with his service.
Dec 14, 2015

Calm, cool and collected best describe Chris Baker. Chris has handled many refinances for me and the process just keeps getting smoother as the requirement explode. He is a pleasure to work with at all times.
Nov 12, 2015
Chris got us by far the best rate in town! He worked day and night replying to emails and collecting information. Chris is very personable and in the end got us a great deal.
Oct 2, 2015
Wow - Chris Baker ... I would recommend Mr. Baker without any hesitation. Mr. Baker was refered to us through our Real Estate Agent, who had worked with him in the past. I never had the pleasure of meeting him. His responsiveness to many e-mails from both my husband and I was tremendous. We were first-time buyers with a less than stellar credit record. Chris worked very hard to secure us a loan. The tag line on his e-mails says something to the affect of "I work for you; not for the bank."; and this is absolutely true. We always felt that Mr. Baker was working on our behalf. The staff at the office was wonderful and very accommodating to our many calls and questions.
Sep 22, 2015
Chris Baker is personable and friendly while always maintaing a professional demeanor. He was helpful and kept a sense of humor even during the most trying of times. He guided us through a maze of issues and brought us successfully to the close of our loan. He was available when needed, and he stuck with us during a long arduous process. we are grateful that he was working with us.
Sep 9, 2015
Seller/Trust representative
Chris Baker was efficient, easy to talk to, and very helpful. He made himself readily available and answered questions promptly. My overall experience with Chris was positive and successful. Ours was a difficult/challenging situation, but Chris handled it graciously and professionally. No complaints.
Sep 8, 2015
Chris went all out battling with the bank to get me the best loan APR that he could find with my credit history.
May 1, 2015
Chris was absolutely fabulous in getting the mortgage closed in 3 weeks. We were in a multiple offer situation and if it were not for Chris's persistence and constant follow-up we never would have been able to honor our contract terms. He is always accessible, returns phone calls and e-mails immediately and constantly updates client and their agent as to where they are and what they need. Highly recommend Chris and will definitely use him again.
Apr 22, 2015
Buyers of a home
Without a doubt Chris Baker is the best of the best!. He works tirelessly to get everything for his clients . There were night calls to ask questions etc and he responds Quickly. Never worry that something is not going well because he is brilliant in every way. We recommend him also because he is kind ,thoughtful and fun.. Trust me you want Chris in this market of today. Amazingly complicated but not for Chris. We are so grateful to him because we are now the proud owners of the house of our dreams. Thanks Chris!
Mar 12, 2015
Cleaning concepts Owner
I have known Christoper Baker for 15 years, he is an excellent broker. I have refinanced my home throgh him various time and he is always able to give me the best interest for me. I would absolutely recomment him eyes closed. I recently refinanced my home and he was able to shorten my time to 15 years with a 3% interest rate. Chris is the best at we he does.
Jan 30, 2015
Hi Chris;
Think you do much for your help and sound advise, u an really happy with my loan and look forward to more business in the future.

Dec 22, 2014
President, Kohl Marketing Inc.
Chris is a pleasure to work with, and goes the extra mile in all situations. He has a clear knowledge of the market and the procedures needed to close complex financing. I would use Chris again for my next home or commercial loan.
Oct 30, 2014
Real Estate Broker
Chris Baker has managed to take the stress out of the loan process for myself and my clients. His work ethic is amazing, always responds , day or night, even on weekends.

I can't emphasize enough how comfortable I am knowing he is taking care of the loan process.

His patience and knowledge is deeply appreciated during the most stressful part of the sales transaction.