We have helped Bay Area 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.
http://www.guaranteemortgage.com
Guarantee Mortgage NMLS #1850 and CAL-BRE License #01215943
About
Share
Aisling Ferguson
Loan Consultant - San Francisco, Townsend OfficeNMLS #280915 / 1850 - CA BRE #01225420 / 01215943
Orlando Diaz
Sr. Loan Advisor - San Francisco, Townsend OfficeNMLS #238849 / 1850 - CA BRE #01475255 / 01215943
Kathy Derangi
Loan Consultant - San Francisco, Townsend OfficeNMLS #1151839 / 1850
James W. Argo
Senior Loan Officer - San Francisco, Townsend OfficeNMLS #257031 / 1850 - CA DRE #00869591 / 01215943
Vince Breen
Vice President - San Francisco, Townsend OfficeNMLS #238661 / 1850 - CA BRE #00923758 / 01215943
Larry Horowitz
Loan Consultant - San Francisco, Townsend OfficeNMLS #239001 / 1850 - CA BRE #01003870 / 01215943
Ken Dean
Loan Consultant - San Francisco, Townsend OfficeNMLS #237940 / 1850 - CA BRE #0902556 / 01215943
Eric Fairfax
Branch Manager / Sr. Loan Consultant - Townsend Office S.F.NMLS #57748 / 1850 - CA BRE #01135991 / 01215943
Kara Fiore
Loan Consultant - San Francisco, Townsend OfficeNMLS #241552 / 1850 - CA BRE #00977921 / 01215943
Pov Oum
Loan Officer - San Francisco, Townsend OfficeNMLS # 1226687 / 1850 - APMC CA BRE #01215943
Christopher Baker
Sr. Commercial & Residential Loan Officer - Townsend OfficeNMLS #294586 / 1850 - CA BRE #01117785 / 01215943
Joel Marks
Loan Advisor - San Francisco, Townsend OfficeNMLS: #216888/1850
Robin Patronik
Senior Loan Officer - San Francisco, Townsend OfficeNMLS #241087 / 1850 - CA BRE #01347330 / 01215943
Marilee Breslin
Sr. Loan Consultant - Townsend Office S.F.NMLS #238468 / 1850 - CA BRE #00688844 / 01215943
Kevin Casey
Loan Consultant - San Francisco, Townsend OfficeNMLS #238192 / 1850 - CA BRE #01178612 / 01215943
Cecelia Tyeskey
Reverse Mortgage Specialist - San Francisco, Townsend OfficeNMLS #239861 / 1850 - CA BRE #01212004 / 01215943
Ron Fiore
Vice President - San Francisco, Townsend OfficeNMLS #57752 / 1850 - CA BRE #01142223 / 01215943
Rich Polonsky
Mortgage Loan Consultant - Townsend Office S.F.NMLS #237277 / 1850 - CA BRE #00496899 / 01215943
Scarlet Kim
Mortgage Specialist - San Francisco, Townsend OfficeNMLS #240991 / 1850 - CA BRE #01267469 / 01215943
KC Murphy
Sr. Loan Consultant - San Francisco, Townsend OfficeNMLS #255492 / 1850 - CA BRE #1007053 / 01215943
Richard Chalifour
Residential & Commercial Loan Consultant - Townsend OfficeNMLS #349170 / 1850 - CA BRE #00915461 / 01215943
Ming Leong
Loan Consultant - San Francisco, Townsend OfficeNMLS # 252471 / 1850 - CA BRE #01369831 / 01215943
Jomar Drake
Sr. Loan Officer - San Francisco, Townsend OfficeNMLS #527397/1850 - CA BRE 01215943
Alma Portillo
Loan Advisor - San Francisco, Townsend OfficeNMLS #280540 / 1850 - CA BRE #01444581 / 01215943
Jihad "Jay" Totah
Loan Advisor - Burlingame OfficeNMLS #298898 / 1850 - CA BRE #01170254 / 01215943
Sahar Milani
Mortgage Consultant - San Francisco, Townsend OfficeNMLS #: 1521039/1850
Katie Perez
Loan Officer - San Francisco, Townsend OfficeNMLS #633672/1850 - CA DRE #01215943
Risa J. Meyer
Mortgage Specialist - San Francisco, Townsend OfficeNMLS #332214 / 1850 - CA BRE #01126851 / 01215943
Sheila Wood
Manager/Loan Consultant - San Francisco, Townsend OfficeNMLS #253742 / 1850 - CA BRE #00824166 / 01215943
Bob Siefert
Senior Vice President - San Francisco, Townsend OfficeNMLS #55105 / 1850 - CA BRE #00921214 / 01215943
Mark Wiener
Loan Officer - San Francisco, Townsend OfficeNMLS # 246293 / 1850 - APMC CA BRE #01215943
Amy Lai
Loan Consultant - San Francisco, Townsend OfficeNMLS #341535 / 1850 - CA BRE #01795977 / 01215943
Marisa Ongbhaibulya
Senior Loan Officer - San Francisco, Townsend OfficeNMLS #278114
Victoria Bahnasy
Sr. Loan Consultant - San Francisco, Townsend OfficeNMLS #248727 / 1850 - CA BRE #00549512 / 01215943
N
I have had the opportunity to work with Pov Oum from Guaranteed Mortgage for nearly the last ten years. During this time, we have completed many transactions together, and I have consistently been impressed with her work. She initially helps to explain opportunities based on market conditions and provides detailed calculations to help quantify the value of transactions, whether for new purchases or refinancing. She equips me with all the necessary tools to make important personal and business decisions. I appreciate her hard work and commitment as a reliable resource, trusted advisor, and friend. Thank you, Pov, for your ongoing support.
I can't express enough gratitude for my amazing lender, Pov, who made my first homebuying experience smooth and stress-free! As a first-time buyer, I was filled with uncertainty, but Pov's unwavering support made all the difference. From the very beginning to closing day, she took the time to answer every question, no matter how small, and made sure I understood all of my options.
Her consistent updates and clear, transparent communication kept me feeling confident and informed throughout the entire process. If you’re looking for someone who truly has your back during the homebuying journey, Pov is the person you want by your side! Thank you for helping me achieve this huge milestone!
Her consistent updates and clear, transparent communication kept me feeling confident and informed throughout the entire process. If you’re looking for someone who truly has your back during the homebuying journey, Pov is the person you want by your side! Thank you for helping me achieve this huge milestone!
DL
Diana L.
recommends
Rich Polonsky
Nov 10, 2025
I wouldn’t go to anyone else but Rich! He is so knowledgeable, easily accessible for any questions and guiding us through the process, and is just a kind hearted person. Looking forward to working with you in the future!
MR
Michael R.
recommends
Larry Horowitz
Oct 31, 2025
Once again Larry worked diligently and intelligently to open and close a loan for me on a tight deadline. I’ve worked with him on various mortgages in a variety of contexts for the past 20 years and Larry does an incredible job every time. He has incredible expertise in the industry, strong professional relationships with various players in the financing process, and superb, positive communication skills with clients. I consider Larry the best in the business and highly recommend him for your real estate financing needs.
EC
Eugene Chelberg
recommends
Kathy Derangi
Oct 20, 2025
Extraordinary, detailed, professional, and considerate service! Would recommend her to anyone and everyone interested in having a great experience finding a mortgage.
CP
Caroline Polanco
recommends
Pov Oum
Oct 10, 2025
As a first-time homebuyer, I couldn’t have asked for a better loan officer than Pov! From the very beginning, she was patient, thorough, and always took the time to explain every step of the process. Buying a home for the first time can be overwhelming, but Pov made everything smooth and stress-free. Her communication was excellent — she always responded quickly, kept me updated, and made sure I fully understood all my options. I truly felt like she had my best interests at heart. Thanks to her hard work and dedication, I was able to close on my first home with confidence. I highly recommend Pov to anyone looking for a knowledgeable and caring loan officer!
SC
Pov is professional, knowledgeable, and reliable. When I refer clients to her, I know they’re in great hands and that the deal will get done — no matter the circumstances. She’s the kind of loan officer you can count on anytime; day or night, weekday or weekend, she’s always responsive and ready to help. Highly recommend working with Pov!
FR
Can tell you enough how much my clients love working with pov
We have been working together for more than a decade and every time there’s a difficult transaction she will go above and beyond to get it resolved
My client can’t be happier and very confident with every step of the way
Thanks again for taking care of all my clients
We have been working together for more than a decade and every time there’s a difficult transaction she will go above and beyond to get it resolved
My client can’t be happier and very confident with every step of the way
Thanks again for taking care of all my clients
AT
Pov stepped in to assist my client and did an amazing job securing a pre-approval. She also managed to close the buyer’s loan in less than 30 days a huge win since we were up against competitive offers. Her efficiency made a great impression on the seller’s agent and helped us stand out in a competitive market. Thank you Pov!
Pov was an amazing lender to work side by side with! This was our first deal together, and it definitely won’t be the last. She was fantastic with my clients they were first-time homebuyers, and she did an excellent job guiding them through every step of the process.
Pov went above and beyond to make sure they felt informed, supported, and confident from start to finish. I highly recommend using Pov as your loan officer. She’s dedicated, professional, and truly cares about taking great care of everyone involved.
Looking forward to doing more deals together!
Pov went above and beyond to make sure they felt informed, supported, and confident from start to finish. I highly recommend using Pov as your loan officer. She’s dedicated, professional, and truly cares about taking great care of everyone involved.
Looking forward to doing more deals together!
TM
Pov is the Best!!! She is so knowledgeable with the home buying process. And the home loan process. She made our home buying experience so smooth. I would recommend her to all my friends and family.
AD
Kathy was wonderful to work with when buying my new house. She explained the process and made it easy. She was also incredibly responsive and proactive during the entire buying process. Her diligence got me in my house a week early. I'd strongly recommend her.
GM
Gerry Montmorency
recommends
Robin Patronik
Aug 4, 2025
Robin has been assisting us in our refinancing needs for over 15 years. Her efficiency in keeping it simple, transparent and expedient in a volatile rate environment assured us of the perfect closing this last month.
MS
POV is excellent on her job, she helped us a lot with our loan and guided us through it. Very good in dealing with client, communicates well by answering back our inquiries right away. Very pleasant to talk with . I would recommend her if given the chance, her and our agent Christy Pak coz they work well together.
F
FH
recommends
Eric Fairfax
Jun 4, 2025
Eric was very responsive and informative. He took the time to answer questions. He was very supportive throughout our home buying journey. Thank you Eric and the team for all of your hard work, we appreciate it!
LR
Lizzy R.
recommends
Orlando Diaz
May 19, 2025
Orlando did a fantastic job securing a mortgage for my husband and I shopping for our first home. My husband is a solo investor, so his income is super complicated, and Orlando was able to shepherd us through the process and get us the loan we needed with a competitive rate. He was kind, empathetic, and super communicative. We would love to work with Orlando again one day and highly recommend him!
MS
Midori S.
recommends
Joel Marks
May 19, 2025
Joel was great to work with and we felt like we were in very competent hands with him. We appreciated his honesty and forthrightness, his availability and fast responses, and his ability to explain everything we needed to know about rates and points and closing costs in a way that didn’t make my eyes cross. His secure document upload site was easy to use. We had a short closing window and he managed to get everything lined up for us in plenty of time. Thanks Joel! We will recommend you to all our friends and family!
T
Tyler
recommends
Vince Breen
Apr 29, 2025
Vince and his team were great! Very responsive to my questions and concerns and kept me up to date throughout the closing process. Closing on a house can be a stressful experience, but Vince eased my mind and made it all stress free. I would highly recommend him to anyone.
LA
Linda A.
recommends
Ron Fiore
Apr 25, 2025
Ron was always patient and answered all of my questions. Ours was not an easy assignment and he used his creativity and resourcefulness to get the deal done.
MA
Macdonald A.
recommends
Joel Marks
Apr 22, 2025
Joel helped us refi out of a horrendous situation from our previous financing. His guidance allowed us to secure a better mortgage. I would gladly work with Joel should the opportunity arise.
JK
Joshua K.
recommends
Kevin Casey
Apr 15, 2025
The process was quick, staff were professional, kind, and a pleasure to work with.
A
Adeline
recommends
James W. Argo
Apr 15, 2025
Jim and his team have extensive experience working with Bay Area homebuyers and have never hesitated to provide additional clarifications and guidance through the process. Jim is not only knowledgeable and efficient, he is always prepared- there are always Plans A and B available to ensure that we have the best chance of closing. As a first time homebuyer, I could not recommend Jim more as a broker who will get the deal done!
HH
Hunter H.
recommends
Kathy Derangi
Mar 19, 2025
Working with Kathy was an absolute pleasure! She is highly knowledgeable of the whole process; responsive at all hours and for any question; very clear, communicative, and professional; and so sweet! Kathy got our pre-approval done in a matter of days and facilitated our very quick closing process. Highly recommend anyone looking to buy in San Francisco to work with Kathy!
JM
John M.
recommends
Ron Fiore
Mar 19, 2025
Very professional, timely, comprehensive and thorough. Very impressive the attention and dedication. Recommend them highly.
LW
Lindsay W.
recommends
Orlando Diaz
Jan 27, 2025
Orlando and his team are, truly, miracle workers. He worked with our complex self-employment income, got us fully qualified in record time, and got us closed in less than two weeks. We got our dream home because he was so through, responsive, and quick. As long as you stay organized and can match his pace, Orlando really makes the process a breeze. I would particularly recommend working with him if you are self-employed or are having a hard time getting other lenders qualify your income.
