Guarantee Mortgage Townsend

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.

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


Recommendations (266)

Aug 14, 2019

Suzy P recommends John Joyce

John and Asa are a great team, taking time to explain everything and their response time was always very quick which was really appreciated.
Aug 13, 2019

Kevin Rooney recommends Marilee Breslin


Marilee is simply the best. She works diligently to obtain the best possible rates and is incredibly responsive. I wouldn’t even consider another broker.
Aug 13, 2019

Martin Joyce recommends John Joyce


John and Asa were thorough and communicated effectively by phone and email. Thanks for the refinance services!
Aug 13, 2019

Tony Egan recommends John Joyce

home owner

John, as always was very professional , very polite and very creative. We had two re-fi's that we just finished and one of them was a real challenge , which John handled perfectly
Aug 11, 2019

Nyla Murphy recommends John Joyce

John and Asa were highly responsive, knowledgeable, and efficient. They kept us in the loop throughout the entire process and we always felt we were in the best of hands. Highly recommend!
Aug 11, 2019

Willy Chang recommends Eric Fairfax

Very creation mortgage company.
Aug 9, 2019

Perla Schmidt recommends Sherri Collins


Sherri was great as the first time.! I highly recommend her .
Jul 22, 2019

Nancy recommends Rich Polonsky

Such a pleasure. I was guided through each step. Communication was superb! A gentleman and a delight.
Jul 22, 2019

Jennifer recommends Sahar Milani

Sahar Milani was a pleasure to work with. She went above and beyond and worked with us to resolve a few unforeseen financial matters that came to light during our loan process while purchasing our second home. With our existing property, she was able to refer us to the exact financial institution geared specific to HELOC and purchasing a second home. She is available to answer any question and was amazing to work with, I was never worried!
Jul 9, 2019

Nicholas recommends Rich Polonsky

Rich Polonsky was amazing throughout the entire process. Before the formal process of getting approved for the loan started, Rich explained every step and fee/cost to us so we would be as comfortable as possible. When it came time to get approved, there were no surprises because he did such a great job explaining everything to us and making sure we were prepared. There was never a time we felt like we were bothering him. Regardless of if it was morning, day, or night he was happy to help. Buying a home is stressful and having Rich on our team mitigated much of that stress. I would never work with anyone but Rich.
Jul 1, 2019

Lisa Root recommends Sherri Collins

Medical sales

Sherri went beyond the call of duty to get me my loan. She also kept me calm when things got hairy. She is thorough and detail oriented and smart. I will only use her in the future
Jun 28, 2019

Tom recommends John Joyce

Business Manager

John an Asa are a great team and make the re-fi process easy , and relatively stress free.
Jun 26, 2019

James Daly recommends John Joyce

Asa and John fantastic team. Great job. The best.
Jun 25, 2019

Joshua recommends Ron Fiore

Ron offers an experienced perspective and can-do attitude to make sure that everything goes as smoothly as possible. It's great to have him on the team.
Jun 10, 2019

Erik Brown recommends John Joyce

Firefighter Paramedic

Thank you for excellent work with a short time frame. I'll definitely recommend John and his staff.
Jun 10, 2019

Anonymous recommends John Joyce

Great job! John did an excellent job for me on short notice. Highly recommended!
May 24, 2019

THOMAS HYMAN recommends Christopher Baker


I have worked with Chris several times over the years and he is the very best. The difference between Chris and the other mortgage brokers is the simple fact that Chris does what he promises. Regardless of how difficult and or how long it itakes, Chris is right there working for you. He also has a terrific staff that are always available. Last, Chris really understands and knows his products. You can't go wrong with Christopher Baker. Thomas Hyman
May 16, 2019

Finbarr O'Driscoll recommends John Joyce

Thanks John for the great work as usual, we have used John and his great staff Asa over the years, all very professional and got things done in a short time.
Highly recommend!!!!
May 15, 2019

Andrea Irwin recommends John Joyce

We couldn’t have asked for a more speedy process. Asa and John are amazing and personable and I highly recommend them to anyone. We will definitely use them again.
May 15, 2019

Mehdi Goodarzi recommends Sahar Milani


I came to bay area from the UK 9 month ago with no credit history and limited funds. I was so desperate to buy a condo before the market heats up because of upcoming 5 IPOs in 2019. I reached out to many brokers and mortgage advisors and they couldn’t offer me anything more than 800k with very high interest rates due to my poor credit score and lack of credit history. While i was losing my hopes in being able to buy anything this year, i was introduced to Sahar who miraculously managed to find two lenders who could not only provide me with deposit and the loan but they were happy with my credit history and limited cash and no need for reserve cash. I managed to buy my dream condo in one of San Francisco best neighbourhoods for $1.310M and closed it in 18 days. All of above couldn’t have been possible if Sahar was not there. Words can’t describe my gratitude and admiration for her dedication and competence during this journey. I forever feel indebted to her for her support and professionalism to make my dream true. Thank you Sahar
May 14, 2019

Chris and Erica Ramirez recommend Marilee Breslin

Marilee helped us navigate through our first home purchase. She went above and beyond, we were very pleased with her service.
May 11, 2019

Shaun recommends Vince Breen

Vince and his team were fantastic. From my first email and phone call, through our closing, Vince was quick to respond & take action, clear in his explanations & requests, communicative & team-oriented with our agent & title company, and committed to our success. He delivered us our 12 calendar day close with financing (a record?!), all while navigating a multi-party shared loan & purchase. And the rates were the best of three outfits we compared apples-to-apples at the outset. I would recommend Vince any day.
May 6, 2019

Pierre recommends Kara Fiore

Really went the extra mile for us!! Thanks for everything
May 5, 2019

April Grady recommends Sahar Milani


Sahar is amazing. Competent, always on top of everything...she got our loan funded and we were even able to close early! She explained everything and answered all our questions throughout the entire process and we felt 100% comfortable and confident in her throughout the entire experience. We will be recommending her to EVERYONE we know!
May 3, 2019

Barbara Boguslawski recommends Scarlet Kim

Income Auditor

Scarlet is a pleasure to work with. Her knowledge of the industry and the processes that it entails are unparalleled! She's detailed, ethical and engaging. I've called on her for all my mortgage needs ever since I bought my home in 2000. I would NEVER use anyone else!

Our Team

  • Christopher Baker

    Sr. Commercial & Residential Loan Officer - Townsend Office
    NMLS #294586 / 1850 - CA BRE #01117785 / 01215943

  • John Joyce

    Mortgage Loan Consultant - Townsend Office S.F.
    NMLS #237603 / 1850 - CA BRE #01723092 / 01215943

  • Vince Breen

    Vice President - Townsend Office S.F.
    NMLS #238661 / 1850 - CA BRE #00923758 / 01215943

  • Kara Fiore

    Loan Consultant - Townsend Office S.F.
    NMLS #241552 / 1850 - CA BRE #00977921 / 01215943

  • Ron Fiore

    Vice President - Townsend Office S.F.
    NMLS #57752 / 1850 - CA BRE #01142223 / 01215943

  • Rich Polonsky

    Mortgage Loan Consultant - Townsend Office S.F.
    NMLS #237277 / 1850 - CA BRE #00496899 / 01215943

  • Eric Fairfax

    Branch Manager / Sr. Loan Consultant - Townsend Office S.F.
    NMLS #57748 / 1850 - CA BRE #01135991 / 01215943

  • Marilee Breslin

    Sr. Loan Consultant - Townsend Office S.F.
    NMLS #238468 / 1850 - CA BRE #00688844 / 01215943

  • Jihad "Jay" Totah

    Loan Advisor - Burlingame Office
    NMLS #298898 / 1850 - CA BRE #01170254 / 01215943

  • Richard Chalifour

    Residential & Commercial Loan Consultant - Townsend Office
    NMLS #349170 / 1850 - CA BRE #00915461 / 01215943

  • Alma Portillo

    Loan Advisor - Townsend Office S.F.
    NMLS #280540 / 1850 - CA BRE #01444581 / 01215943

  • Sherri Collins

    Loan Advisor
    NMLS #: 304940/1850 | CA BRE#: 01152449/01215943

  • Sahar Milani

    Mortgage Consultant - Townsend Office S.F.
    NMLS #: 1521039/1850

  • Scarlet Kim

    Mortgage Specialist - Townsend Office S.F.
    NMLS #240991 / 1850 - CA BRE #01267469 / 01215943

  • Terry Wilson

    Sr. Loan Consultant - Townsend Office S.F.
    NMLS #242333 / 1850 - CA BRE #00989772 / 01215943

  • Victoria Bahnasy

    Sr. Loan Consultant - Townsend Office S.F.
    NMLS #248727 / 1850 - CA BRE #00549512 / 01215943

  • Gregory Lopez

    Loan Consultant - Townsend Office S.F.
    NMLS #293881 / 1850 - CA BRE #01134932 / 01215943

  • Mike Collins

    Loan Advisor
    NMLS #: 315150/1850 | CA BRE #: 00164416/01215943

  • Deanna Cirimele

    Loan Advisor
    NMLS #: 304939/1850 | CA BRE #: 01152450/01215943

  • Karen Toms Brown

    Mortgage Advisor - Townsend Office S.F.
    NMLS #287920/1850 - CA BRE #01102590/01215943