Guy Rivera

Sr. Loan Consultant/Branch Manager - Santa Barbara Guarantee Mortgage NMLS #57662 / 1850 - CA BRE #01220403 / 01215943
A Santa Barbara native with 19 years of experience in real estate finance. He has made his mark in the Santa Barbara community with providing mortgage lending at its best. This is mostly due to his wide range of knowledge of the lending industry and understanding his client’s needs, specializing in complex self-employed borrowers, purchase and refinance transactions. He is consistently one of the top producers for Guarantee Mortgage since 2002, earning awards yearly for excellence in Loan Production.

Guy is a long standing member of the Chamber of Commerce, University Club and DB club and is also a proud supporter of Sarah House and Santa Barbara Boys and Girls club.

Equal Housing Opportunity
NMLS #57662 / 1850
CA BRE #01220403 / 01215943


Sales Manager at Soilmoisture Equipment Corp.
Guy knows exactly what needs to be done an he is capable of doing it. Just give him your case and don't worry about the rest.

He didn't ask me too many questions and didn't request for too many documents. And before I knew it I was pre-qualified and qualified, and my case was not that straightforward.

Guy is a professional and a good person. I was very comfortable with him and his team. It is evident that their client is their first priority.
Jan 30, 2018
Owner of coastal Valley handyman repair
Guy Riviera straight to the point. No BS no what ifs, his boss Vittoria and Guy will definitely look at your situation and put you in the loan that you need at the best rate that anybody can get in Santa Barbara. Cheers bro and thank you for all the years of work that you've done for me it's much appreciated. Peace!
Nov 7, 2017
Sr. Electrical Engineer
I highly recommend Guy for all your mortgage needs. After going to several other lenders, and being rejected due to the required foot work, Guy went the extra mile and got my house refinanced. Do not even hesitate, use Guy for purchase, refinance etc.
Oct 13, 2017
Real Estate Agent
Not only has Guy landed great loans for my clients for decades, he has once again pulled out of his creative net another fabulous loan for me. The time from when I asked him if I should refi to closing was a phenomenal 18 days! My savings of over $500/month is now earmarked for future fly fishing trips - Bless you, my lender!
And not to forget about his wonderful Team, which is so responsive, careful, detail oriented, and friendly. I like to drop off doc's sometimes instead of emailing everything, because the visit always sends me away with a smile.
Maybe not quite as big as when I release a feisty Rainbow Trout... but close.
Jun 26, 2017
Guy is a straight shooter as he'll guide to where you want to be and I'm the right way for sure. He's like family to me and I 100% trust him with my money .., He's a great Guy ... 😀
Jun 15, 2017
Director at Leavitt Risk Partners
I am very grateful for Guy and his team. My loan was not an easy undertaking and Guy was up for the challenge. My challenges were not simply credit but also needing a jumbo loan. From the very beginning when asking for all of the needed paperwork, Guy requested everything as to avoid the back and forth of multiple requests. I believe he fought for us and with us.
Apr 21, 2017
Purchasing Manager
My deal started with another bank that was unable to effectively handle the complexities underlying the mortgage I sought. Even though I spent weeks providing documentation to avoid this very problem, I still ended up without financing 3 weeks before the home was scheduled to close. In came the “fixer” Guy Rivera. He quoted the market rate, which eventually went lower plus an unexpected discount, neither of which cost me anything additional. He fulfilled all of his commitments just as he said he would. He and his team were very responsive and helped us every step of the way. They made it feel like a team event. Guy does have the core attributes that I look for in a professional; honesty, knowledge, and responsiveness. I will be doing business with him again.
Apr 4, 2017
Guy and his entire team were great to work with. He kept us updated on every step of the way through our loan application to funding. He's also extremely optimistic and funny, which really helped during a stressful sale/purchase/move. Very enjoyable to work with. I highly recommend his services at Guarantee Mortgage!
Jan 4, 2017
Guy was a pleasure to work with! He took the time to fully explain the process to my husband and I and made sure we had a thorough understanding before moving on.
There is nothing like working with someone who is honest, gets straight to the point and is quick to respond.
I came to guy not believing in the 'system' after working with other lenders who just gave us the run around and his honesty and hard work made me a believer all over again!
Guy and his team and Guarantee Mortgage are amazing and I would recommend their services in a heartbeat.. and already have.
Dec 16, 2016
Our loan (the second one we've done through Guarantee Mortgage) went through without a hitch! This company makes every effort to keep it simple. I have already recommended them to others and will again.
Oct 26, 2016
Getting through this process is always difficult, but Guy and his team made it happen!!! Thank you Guy and Laurie at Guarantee Mortgage
Oct 19, 2016
ERTW Specialist
I previously had been working with two other lenders on trying to do a Refi on my house to take care of some Credit card debt. Due to some personal issues my credit was not good & I felt like there was no hope to repair it until I was referred to Guy Rivera. The first phone call to Mr. Rivera had me feeling insured that he was going to do everything he can to make this happen for me and he did. He & his staff were amazing through this whole process. I can honestly say I don't think I will ever be taking my business to another lender/Consultant other than Guy Rivera. With that being said he will be referred to all my friends for any mortgage options big or small.
Oct 5, 2016
We've had nothing but great experiences with the folks at Guarantee Mortgage. They've helped us refi several times over the years and we've never had a problem. Guy, Laurie, Vittoria and the whole crew are awesome! If there is a glitch along the way, they fight for you. Thank you, Guarantee Mortgage
Oct 3, 2016
Hello people I am so glad to have done business with Gus Rivera, his whole tram is a great helping team. Before I whent to them to get a loan I had gone to several other lender to get a loan and I was denied with everyone. Guy Rivera and his team got me my loan in no time and with a good rate thanks to Guy and all his team we really appreciate his help and people if you guys need a loan go to Guy Rivera.
Sep 30, 2016
Sr HR Manager
Thank you Guy and your talented team for doing an incredible job on our refi. We used you for our orginal home purchase and wouldn't think of going anywhere else.
Aug 31, 2016
Guy did a great job for us--and not for the first time. I've recommended him to several friends!
Aug 31, 2016
Retired and loving it....
I've done several loans with Guy Rivera and his team at Guarantee. They are simply the best. Every deal gets done on time, great terms and low costs. They're cool, professional and a pleasure to work with.
Aug 31, 2016
I'm in the business and Guy has always impressed me as someone who genuinely cares about his clients. He consistently goes the extra mile to try and get the best deal. And he makes the process easy if not enjoyable.
Aug 30, 2016
I'm in the business and Guy has always impressed me as someone who genuinely cares about his clients. He consistently goes the extra mile to try and get the best deal. And he makes the process easy if not enjoyable.
Jul 13, 2016
Wealth Manager
I recently changed from 28 years as a W-2 employee of 3 different major brokerage firms, to an Independent 1099 self -employed financial advisor. As difficult as it was to convince a lender to take on a borrower with a new status, Guy and the crew dug deep, pled my case and made my mortgage happen!! Way to go Guy(s)!! Thanks a million!!!
Jun 27, 2016
We found Guy's name in the local Independent paper which offered a discount for local educators. Guy is a very positive and upbeat consultant. He explained the mortgage process thoroughly and in terms that we understood. The whole process was very easy and pain free. We were able to obtain an excellent loan with so many credits to the closing costs. We highly recommend Guy and will be using Guy the purchase of our next home with his award winning personality and knowledge.
May 19, 2016
Senior Property Manager
My wife and I had been trying to consolidate debt and save on monthly expenses. We had told by many others that there was little hope for our situation. Guy's vision, tenacity, and infectious enthusiasm are exactly what we needed to refinance our home loan. We are so incredibly thankful to Guy and his team (and to our good friend who recommended him)!
May 19, 2016
We were lucky to find Guy Rivera to service our loan. Guy and his staff were all very professional and made everything feel so easy and stress-free. We will definitley be recommending him to all of our friends and will be calling Guy when its time for us to refinance again.
May 12, 2016
Guy and his team have now completed 2 refinancings for us, and each one has been an incredibly smooth experience. Such a great team of professionals. When I have financing needs, Guy is the person I call to get answers and the absolute best customer service.

Thank you, Guy and Vittoria!
May 9, 2016
Sales Manager
I recently had the pleasure of having my loan serviced by Guy Rivera. I never thought getting a loan could be so simple! Guy made everything very easy to understand, simple and streamlined. His professionalism was outstanding returning phone calls and emails promptly. Every interaction with Guy and his team was great! I have already begun to refer Guy to my friends and family!