John Joyce

Mortgage Loan Consultant - Townsend Office S.F. Guarantee Mortgage NMLS #237603 / 1850 - CA BRE #01723092 / 01215943
As one of the top 3% producers for Guarantee Mortgage, John’s primary goal is to provide the best mortgage loan financing for his clients. John’s attention to details in his research for the ideal loan product, coupled with his expansive knowledge of underwriting have led to his tremendous success in residential, commercial and construction loan production. His processing team and production assistant have a combined 40 years of lending experience. John’s team has excellent communication skills and is steadfast in providing a smooth loan process for his clients.

John is a member of the Residential Builders Association of San Francisco, President of the Shamrock Club, and Connaught Club.

Equal Housing Opportunity
NMLS #237603 / 1850
CA BRE #01723092 / 01215943
Dec 5, 2018
Paul O'Driscoll
John has an unbelievable knowledge of the Mortgage Business, he has an uncanny sense of just knowing when it’s the right time to lock in on a great rate, John and his team have put together numerous deals for me both personally and also for my business interests. I have recommended John on numerous occasions to friends and colleagues, never had a complaint from any, all praise for John and his fab team. Looking forward to many more deals ahead.
Dec 5, 2018
John is fantastic. We have lost count of how many great loans John helped us with. We recommend him all the time to our friends.
Dec 5, 2018
Great team; my go-to guy has always been Terry,
but JJ & Asa get all the essentials right every time!
Nov 26, 2018
John and Asa are a great team. My experience was excellent. Process was flawlessly executed throughout. They do a great job of knowing when to use online tools to streamline the process or when to call and talk through more complex points.
Nov 15, 2018
Louisa Man
He is very professional and knowledgeable. Very helpful as well. Highly recommended!!
Aug 25, 2018
Being first time home buyers, my husband and I were new to the game and didn't know what to expect. John answered our many questions, gave us our options and explained how each would play out. He was was always accessible, and we never waited long to get a thorough response. Asa was a fantastic communicator, processed our paperwork quickly and was also extremely responsive to our many questions. I am grateful we were referred to them, they made the entire process - easy!
Jul 17, 2018
First time home buyer
As a first time home buyer and working without a realtor, John, Asa and their team made this process such a breeze. I would highly recommend them to anyone.
Jul 15, 2018
Great experience again! Thanks John and Asa!
Jun 28, 2018
John and Asa did a wonderful job for us! They were able to get us refinancing were others were not! Thank you for the great job and we look forward to doing business with you in the future.
Jun 7, 2018
We were kept informed at every step of the process . John and his staff were working with many different parties in this process . We thanks them for all thet did . Mike Barden
Jun 5, 2018
Self Employed
I've been working with John many years; however, this particular loan was somewhat challenging. Since John and Asa are superstars, they fought with me, fought for me, and got it done. I highly recommend him and his team for any of your mortgage needs.
May 15, 2018
I was referred to John by a mutual friend and this is our first experience with Guarantee Mortgage. John is a solutions driven mortgage consultant who is HONEST. John has the experience to provide answers to complicated questions regarding different types of financing scenarios. John was fully available by phone and email throughout the entire transaction. Asa and John are a highly skilled professional duo who communicate effectively and quickly with great attention to detail. Our loan was a complicated transaction and John worked diligently to make sure all the requirements were met within a narrow timeline. I HIGHLY recommend John Joyce and would not hesitate to use him again.
Mar 30, 2018
Senior Manager Construction
John and Asa knocked it out of the park for us! Home run. Every part of the process was well managed. We got into contract with a seller that demanded a very tight closing timeline and John and Asa were on it every step of the way.
Mar 28, 2018
John and Asa made the document collection process very easy, and were always available to answer our questions. With quick, timely, and efficient service, they proved why they're one of the best teams in the Bay Area mortgage industry to work with!
Mar 5, 2018
Very professional! Great job!
Mar 5, 2018
Home owner
John and Asa were fantastic during the process of refinancing. Everything was done with efficiency and a clarity. This was one of the easiest refinancing I have done and that in itself is amazing these days.
Thank you guys, Asa and John 😊
Feb 20, 2018
John and Asa were great to work with and always timely. I highly recommend them for anyone looking for a mortgage.
Jan 23, 2018
John & Asa did a great job and made the process as smooth as possible for me.
Jan 10, 2018
John and Asa were fabulous in helping a technology challenged person navigate through all the varied documents and process that was needed to secure my loan.
Nov 30, 2017
Event Designer
Excellent team of people who got us into a great loan, despite the obstacles. The process was made even easier by John's team than I expected. Finally refinanced our home after years of trying and so thrilled!
Oct 27, 2017
SF PSA and Retired Carpenter
John and Asa made the process of financing our property to be a pleasure.
Sep 29, 2017
Registered Nurse and Respiratory Therapist
John and Asa went above and beyond to make sure we were getting the loan appropriate for our situation. They provided honest guidance through the process and ensured that we even closed escrow early! We were impressed with their quick responses to every question that came up along the way and we were delighted with their customer service. We would recommend them if you are buying a home, especially for your first time as they are clear, concise and professional with all of their interactions.
Sep 14, 2017
Owner Marin Tutors
John and Asa came through for me in my mortgage with a 30 day close and a non-occupant coborrower on my loan. Asa took charge of getting my homeowners insurance at a low rate. John was dedicated..he shopped for my loan and closed on time. Great broker!
May 10, 2017
Own business
John worked tirelessly to help us remortgage our home,he and Asa are a dynamic duo , they never gave up on us ,they went above and beyond.
Best service that I have received in a long time I would highly recommend them to anyone looking for a home loan especially for first time buyers , they will guide you through the complicated process of getting a mortgage I trust them impeccably and hopefully they will be able to help my son secure a loan next year for his 1st home
I will use them as often as I need help in the housing market.
Aidan and Caroline
Jun 7, 2015
John and Asa provided simply incredible service and support, it was an absolute pleasure working with them and I recommend them to anyone considering re-financing their home loan. Previously I attempted to re-finance with other agents and companies, and it was an uphill battle requiring my constant attention and outreach to the refi agent. I also ran into circumstances where promised of rates were made, then late in the process learning the cost/benefit of refinancing would be next to nothing. John was upfront from the beginning, he was honest, knowledgeable, and most importantly, available and pro-active with communication. Everyone who played a role in the process, from his Admin (Asa) to closing (Rhonda) to mortgage insurance referrals, were fantastic, it was a first class experience all around!