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
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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
MA
Macdonald A.
recommends
Joel Marks
2 days ago
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.
EP
Eric P.
recommends
Eric Fairfax
Jan 25, 2025
Eric and his crew were literally miracle workers for us. I won’t go through all the details, but we came to them in a crush and they were able to work with us at lightening speed and we closed n our new house today. I can’t say enough good things about these guys and will be telling everyone I know to make Eric the first phone call when they are looking for a mortgage.
JW
Jeanne W.
recommends
Kevin Casey
Jan 21, 2025
Kevin was personable, professional, and always available to answer our questions, no matter how small or detailed. As first-time homebuyers, we were nervous about navigating the mortgage process, but Kevin made it feel seamless and stress-free. He took the time to explain every step in clear terms, ensuring we felt confident and informed throughout the journey. His responsiveness and dedication went above and beyond, making us feel like we were his top priority. We couldn’t have asked for a better guide during this important milestone in our lives. Highly recommend Kevin to anyone looking for a mortgage broker who truly cares about their clients!
N
Neeraj
recommends
Pov Oum
Dec 31, 2024
I have had the pleasure of working with Pov Oum for nearly seven years, during which she has consistently exceeded my expectations with her exceptional service. Pov has a remarkable ability to assess market conditions, weigh the pros and cons related to my goals, and connect me with relevant contacts for day-to-day execution, whether for my corporation, personal finances, or various aspects of my life.
What began as a professional relationship has blossomed into a strong friendship. In our most recent transaction, Pov assisted me in executing a HELOAN and purchasing two condominiums for investment purposes. Throughout the process, she took the time to clarify my expectations and was always available—day or night—to answer questions or provide status updates, especially in the final stages. Her commitment made me feel valued; she dedicated countless hours to keep me informed, fully aware of my timeline and objectives. I was particularly impressed by her deep understanding of my profile and her ability to communicate effectively with investors. In this transaction, some investors struggled to grasp fundamental aspects of my profile, but I knew I could rely on Pov to clarify these points and help facilitate the approval process.
To Pov, I want to say: keep up the outstanding work! My family greatly appreciates your dedication to our financial well-being and your guidance on every transaction, whether it involves moving forward or waiting. You’ve showed your care for us goes beyond any incentive linked to the transaction. Your management and support were invaluable, especially in addressing the builder's concerns during the home purchase process.
Thank you,
Neeraj
What began as a professional relationship has blossomed into a strong friendship. In our most recent transaction, Pov assisted me in executing a HELOAN and purchasing two condominiums for investment purposes. Throughout the process, she took the time to clarify my expectations and was always available—day or night—to answer questions or provide status updates, especially in the final stages. Her commitment made me feel valued; she dedicated countless hours to keep me informed, fully aware of my timeline and objectives. I was particularly impressed by her deep understanding of my profile and her ability to communicate effectively with investors. In this transaction, some investors struggled to grasp fundamental aspects of my profile, but I knew I could rely on Pov to clarify these points and help facilitate the approval process.
To Pov, I want to say: keep up the outstanding work! My family greatly appreciates your dedication to our financial well-being and your guidance on every transaction, whether it involves moving forward or waiting. You’ve showed your care for us goes beyond any incentive linked to the transaction. Your management and support were invaluable, especially in addressing the builder's concerns during the home purchase process.
Thank you,
Neeraj
AJ
Aarti J.
recommends
James W. Argo
Dec 31, 2024
I was moving from the Midwest to the Northern California Coast. I needed a trusted advisor for more than a loan. I needed confirmation I was making a solid financial decision. James Argo, took the time to get to know my motivation. He advised me.in the very same way the sun—whether or not it is recognized, appreciated, or even seen—is accessible to whomever might benefit from it. I found James Argo to demonstrate incredible integrity in giving clear and honest guidance, without a strategy, without a plan, and without ambition. This quality is a rare commodity and very much needed in the world. I am beyond delighted in my new home with amazing opportunities blossoming at every turn. Opportunities for growth are built on a solid foundation. I’m delighted with the entire team experience and the how quickly the services were presented and provided. Consider yourself fortunate to have the opportunity to work with James and his team.
SA
Saman A.
recommends
Kathy Derangi
Dec 26, 2024
Kathy is knowledgeable, kind and very helpful and responsive. She communicates every step of the way and goes above and beyond to make sure you get the best rates and that you get the loan product that fits your needs the best. She’s very mindful of timelines and makes sure she does what she can to help.
JS
Jose S.
recommends
Katie Perez
Nov 21, 2024
Katherine and her team were very professional and quick to close escrow in time! We will definitely recommend her to family and friends. We were very pleased with her and her team.
SL
Sherin L.
recommends
Joel Marks
Nov 18, 2024
Joel was amazing to work with this was our second time working with him and we will continue to work with him in the future. Joel always goes above and beyond
CM
Vince, Esther and team did an exceptional job executing on our loan. I'm in the real estate development field and highly value responsiveness, professionalism and thoroughness. Vince and his team possess the qualities in spades.
SL
Sandra L. N.
recommends
Jomar Drake
Nov 12, 2024
Had an easy and pleasurable experience working with Jomar for a loan to fund a place in Hawaii. Our realtor, title company, and others involved in the transaction were all very happy as they all told me Jomar is a very knowledgeable and easy person to work with. Jomar is on top of all the stuff and keeps in contact with you and the others at all times.
MP
Michael P.
recommends
Rich Polonsky
Nov 12, 2024
Rich goes above and beyond to find you the best loan/ rate as well as goes above and beyond to ensure you understand the process and maintains communication with you throughout the entire process.
TB
Tara B.
recommends
Joel Marks
Nov 6, 2024
Joel was a lifesaver with this refinance. Super positive, professional, knowledgeable, had great ideas and strategies for me to get the best possible rate and the most money from my house. I highly recommend
GM
Gregg M.
recommends
James W. Argo
Nov 4, 2024
Jim, I want to start off with a big THANK YOU! Your patience and explanations were essential in completing this process of purchasing an apartment. You, your team, and our realtor William Sievers, have all been excellent in working together and taking us through the necessary procedures. It seemed overwhelming at times, but with your help we've made it happen. Thanks again.
RW
Regina W.
recommends
Joel Marks
Oct 30, 2024
Experience counts Patience is a huge asset Communication is key to the complicated business of real estate. Joel brings it all together. We are well pleased to have had him as a guide through the process.
MM
Matthew M.
recommends
Joel Marks
Oct 29, 2024
Working with Joel was amazing. He was very responsive and very informative. He made this process so very easy for us. We would highly recommend Joel to anyone buying a new home!
HS
Haley S.
recommends
Joel Marks
Oct 28, 2024
Joel is the best around! He is proactive and personable and has your best interest at heart. We highly recommend him!
EM
Etna M.
recommends
James W. Argo
Oct 28, 2024
Very good, very efficient
CA
Joel did above and beyond for me in regards to helping acquire financing for my dream home. Although the transaction fell through due to a higher bid I appreciated all the Joel did for me in just a few days. I would highly recommend him!
KP
Kayleigh Park
recommends
Vince Breen
Oct 21, 2024
Vince and his whole team are the best of the best! Responsive, kind, patient, and helpful every step of the process. So lucky they were on our side!
James took an amazingly complicated situation with an "unwarrantable" condo and some anxious first time buyers and was able to walk them through the whole thing to a timely closing. This is the second time he has performed this miracle for me. I'll definitely be using him again. He did a fantastic job and I recommend him highly.
