Guarantee Mortgage Santa Barbara

We have helped California families finance their home, with over $2 billion in loans annually, and we can help you.

Offering a wide range of products and services, Guarantee Mortgage is well prepared to meet every real estate lending need.

We have 22 years under our belt providing world-class client service. Our top priority is to make sure you are presented with all available loan options, so that you can make an informed decision, that’s right for your financial situation.

Guarantee Mortgage NMLS #1850 and CAL-BRE License #01215943

Equal Housing Opportunity


Recommendations (129)

Dec 5, 2019

Joanna Brownstein recommends Guy Rivera


Guy and his team have helped us with financing for three loans and been amazing to work with every time. He also found us great loan terms that really met our financial and home owning needs. We will use him again and highly recommend him to everyone!
Dec 5, 2019

Maxwell Rosenberg recommends Guy Rivera

Chief Pilot Santa Barbara Aviation Inc.

Guy and his staff are very on point. Guy keeps us informed, guideded us through the process of financing and then later refinancing and it has been painless and efficient. I cannot recommend Guy and his staff at only 5 stars, I wish there were 6 Stars!
Dec 3, 2019

Kyle Lowry recommends Guy Rivera

Guy has helped me and my family with both home loans and refinances several times over the last several years. Guy and his team always make the process very easy and help to relieve any stress by providing the most accurate information possible, and ensuring understanding every step of the way. I will continue to use Guy with any further lending needs.
Dec 2, 2019

Sheridan Rosenberg recommends Guy Rivera


The absolute best experience ever. Guy and Laurie and Vittoria are the best! Every friend I send to them has been so happy as well. Love these people!
Nov 13, 2019

Laurie Michelle Recordon recommends Guy Rivera


I have worked with Guy Rivera several times over the past few years. It is always a pleasure to do business with him. He will work hard to get you the best loan and always has your best interests in mind.
Nov 10, 2019

Vincent Goeller recommends Robert A Goeller III


Robert was right there with us every step of the process to get a mortgage loan. He took the time to explain how things work and the timeline that it would take to get our loan. We knew exactly what they expected and also what we expected of them as a company. I highly recommend Robert for anyone and everyone.
Nov 7, 2019

Sharon Currie recommends Guy Rivera


As a top producing real estate agent, I pick my team and referral sources very carefully. Guarantee Mortgage, and in particular Guy Rivera, is the ONLY lender I recommend to my clients so when it came time for me to buy an investment property, it was a no brainer to contact my main man, Guy Rivera, for my own personal needs. As a self employed person, I already knew that getting a residential loan would be a pain in the neck but the GM team made it simple, easy and best of all, online so I could deal with it on my own time. That being said, the team was always there for me if I had questions or needs, even responding on weekends when it was important. I recommend Guy Rivera to all my clients for residential and commercial loans and have never been sorry I did so. Excellent quality and service this good and this consistent is hard to find these days in any discipline but in particular real estate and lender services. I'm proud to be a referral source and happy client of Guarantee Mortgage and Guy Rivera with his team of experts. Look no further. This is one stop shopping for all your lending needs and especially if you value personal service and a "think outside the box" attitude. This team rocks!
Nov 6, 2019

William Pintard recommends Guy Rivera

Executive Director

Great advice on best plan to fit our needs ! His staff is outstanding and completed our transaction , quick and easy. Best experiences we have had regarding real estate mortgage !
Thank You !
Oct 7, 2019

Ruth A. Kunkle recommends Robert A Goeller III


Bob Is the absolute BEST! Very efficient & courteous. He is the ultimate professional! Many thanks for a Job Well Done!
Oct 1, 2019

Iram Alvarez recommends Guy Rivera

Systems Administrator

Guy accomplished my refinance goals and exceeded my expectations. Thanks Guy!
Sep 25, 2019

Joe Phillips recommends Guy Rivera

Just closed my second financing with Guy. It is easy working with him. He shows you all the options and will help you determine which is best for you.
Sep 24, 2019

Elvina G recommends Guy Rivera

Property Manager

Guy has put loans together for me, my family, and my business ventures since 2003. Being self employed, it is ALWAYS a challenge to get qualified. We were turned down by our bank because we didn't meet their "guidelines", even though we had investments there. Guy came through with flying colors, quickly and great rates!! He has a great staff and it's really low hassle, being able to upload most everything online!! Guy will always be our "go to Guy" when it comes to mortgage loans!!
Sep 23, 2019

Beth Brown recommends Guy Rivera

Business Manager

Guy was an absolute pleasure to work with, he was there for me through many months of trying to get my legal situation resolved. My loan was never the issue and his patience through the process was so appreciated.
Sep 13, 2019

Yvonne R recommends Guy Rivera


I am very happy with Guy Rivera and Guarantee Mortgage! Thank you so much for all the work and helping me keep my childhood home!
Sep 4, 2019

Anne G recommends Guy Rivera

Guy is great! He knows his stuff and has many connections in Santa Barbara. He made the lending process easy! Thanks Guy for helping me get into my first home!
Aug 30, 2019

Bobby D recommends Guy Rivera

Guy, for as many moving parts as there are to buying a home you make it seem easy!! Always staying on top of everything and true to your word!!

Anyone who’s looking for someone top notch and above the rest, go see Guy Rivera.
Aug 23, 2019

Jill Shalhoob recommends Guy Rivera

Guy is my go to Guy! Best of the best. Thank you!
Aug 23, 2019

Adam Harris recommends Guy Rivera

Captain in the Army

Guy and his whole team are true professionals from start to finish! True pleasure from contract to close throughout my entire process of purchasing my new home. Absolutely recommend them for your next loan or re-finance! Thank you again for everything.
Aug 22, 2019

Deborah Oxford recommends Guy Rivera

Great work for a job well done!
Aug 5, 2019

Max Dar recommends Guy Rivera

Happy Client

Guy is the absolute best out there. His attention to detail and knowledge of the entire industry, inside and out, is the mark of a true professional and a true rarity when combined with his steadfast loyalty and strong work ethic. Guy is also a patriot and takes tremendous care of our Veterans, doing a VA loan with him was easy and fast.

You will not find a better lender. Thank you Guy!
Jul 17, 2019

Meghan MacDonald recommends Guy Rivera

Guy and his team were wonderful! Highly recommend!
Jul 17, 2019

John Jakubek recommends Guy Rivera

Retired Human Resource executive

My son and our family trust were equal co-owners on a residential property. Recently my son and daughter-in-law requested to 'buy out' the family trust so that they held 100% ownership of residence. We initially worked with Bank of America on this endeavor which proved to be a real challenge for all involved. Their process was quite complicated and lending requirements were very difficult for a young couple trying to purchase their first home. After many, many weeks of assurances that things were moving in the right direction, BOA did not approve the loan. At the suggestion of a highly regard realtor in my area my son and daughter-in-law reached out to Guy Rivera at Guarantee Mortgage. Not only were Guy and the GM team extremely responsive they also made the process simple and straight forward. Within a few weeks time my son was approved and the transaction completed. Since that time I have decided to apply for a mortgage with Guy & GM and my experience has also been extremely positive. Having purchased several homes previously I can say without a doubt that this has been the best service and support I have experienced. Thank you Guy and the entire GM team.
Jul 11, 2019

Jefferson MacDonald recommends Guy Rivera


Guy and Laurie made it happen for us! Even with some hiccups they were on top of it and got it done.
Jul 11, 2019

Jefferson MacDonald recommends Guy Rivera


Guy and Laurie made it happen for us! Even with some hiccups they were on top of it and got it done.
Jul 9, 2019

Wes Herman recommends Guy Rivera

Multi time Client of Guy

I am a retired SB County, Fire Dept. Captain living in Goleta, Ca. I wanted to refi my home and was subjected to unbelievable technical and paperwork complications when I submitted applications to several national lending institutions. I finally found Guy Rivera, at Guarantee Mortgage. I could tell right from the start that business would go well with him. His personal attention to every detail and every question I had was really impressive. Guy was able to guide me through the process and complete my financing so easy and rapidly that we became friends. I recommend Guy to everyone I know who needs mortgage financing.

Our Team

  • Guy Rivera

    Sr. Loan Consultant/Branch Manager - Santa Barbara
    NMLS #57662 / 1850 - CA BRE #01220403 / 01215943

  • Mike Pitts

    Loan Officer - Santa Barbara Office / Solvang Branch
    NMLS #763776 / 1850 APMC BRE # 01215943

  • Robert A Goeller III

    Loan Consultant
    NMLS #119842/1850