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 (539)

Nov 20, 2021

Fred C recommends Scarlet Kim

This was the second time that we worked with Scarlet to refinance our home mortgage. It was less then a month from the time we started until the loan cloased.
Everything closed just as she projected.
A pleasure to work with.
I highly recommend her.
Nov 11, 2021

Marta Corella recommends Richard Chalifour

This was my third time working with Richard to refinance my home. He is the only person I would call. I always approach a Refi with trepidation, but Richard makes the process painless. He is very knowledgeable in his field and works with a great team. I appreciate their kindness and patience.
Nov 9, 2021

Mike Holmes recommends Vince Breen

Vince was fantastic! We had a complicated financial situation with self employment income and 2020 COVID related revenue issues. Vince helped us navigate the loan pre-approval/approval process and find the best financing options for our unique situation. He was super approachable and very quick with communication (email, phone, text). After going into contract, we were ahead of schedule by 1-2 weeks throughout the escrow process. I would 100% use Vince again.
Oct 30, 2021

Nelson Grijalva recommends Eric Fairfax

Eric is an excellent mortgage broker. He has helped me buy and refinance homes for many years. I highly recommend Eric to anyone looking to finance or refinance a property. Thank you Eric.
Oct 22, 2021

Anonymous recommends Scarlet Kim

Scarlet is the best loan process guide and loan educator! We have worked with her on both our original home loan, and we just refinanced with her as our broker. She explains every step along the way, is a proactive communicator making herself available to clients. The last notary was impressed with the fact that our broker had already talked us through every number on the loan sheet. She is equally patient, positive, and professional. I highly recommend Scarlet at Guarantee Mortgage. She is our go-to financial broker.
Oct 20, 2021

Denise Esguerra-Aguilar recommends Eric Fairfax


I have used Eric's services for well over 15 years on numerous occasions. He's simply top-notch. Eric's transparent, has quick turn-around, provides constant communication and knows how to manage through even the most difficult re-fi's. I've had him do both mine and other family members. I highly recommend Eric.
Oct 14, 2021

Gerald Gary B. recommends Lisa Hannah

Lisa Hannah is GREAT. She made a very tough process so much easier. 110% recommend her!
Oct 14, 2021

Patricia Lawlor recommends Richard Chalifour

Sole Proprietor

If I could give Richard and his team 10 stars, I would! Run, do no walk ,to have him help you with your mortgage needs. I am a sole proprietor and my refi was a little tricky especially due to covid affecting my business' income. I went to multiple brokers but none were able to get me over the finish line. But Richard went the extra mile and found a way to make it happen. I can't recommend him highly enough.
Oct 12, 2021

Jim DiBona recommends Vince Breen

Outstanding service! Vince and his team were on top of everything; loan was funded much quicker than expected.
Oct 4, 2021

B Norris recommends Eric Fairfax

Great service, good communication and most helpful throughout the course of re fi process! Thanks and much appreciation
Sep 30, 2021

Sean Sullivan recommends Christopher Baker

Chris is very knowledgeable and always gets the job done!
Sep 29, 2021

Celia Velasquez recommends Eric Fairfax

I am lucky enough to be able to refinance my home, and to do it all with Eric. He is thorough and has the patience to explain the process step by step so that you, the customer, is always aware of what is going on. So grateful to have been introduced to you, Eric!
Sep 29, 2021

Julien Henry-Prince recommends Kara Fiore

She made it happen!
Thanks kara
Sep 27, 2021

Emmanuel E. recommends Eric Fairfax

You guys did excellently well from the time of the application and closing was such a short time period and it’s wonderful
Sep 15, 2021

Cholie Enrico recommends Marilee Breslin


As always, Marilee did an outstanding job with my refinancing . She helped me with every little details and patiently providing all the necessary information.
Sep 1, 2021

Matt Majerus recommends Marilee Breslin


Marilee was so knowledgeable and responsive at each step of the way and executed flawlessly. Looking forward to working with her again in the future.
Aug 27, 2021

Kevin Rooney recommends Marilee Breslin


You simply cannot find anyone better than Marilee. I have worked with Marilee many times over the years and am always impressed at how hard she works for us and how responsive she is. Simply the best!
Aug 23, 2021

Erin H. recommends Vince Breen

Excellent service! The loan closed two weeks early.
Jul 30, 2021

Daniel A Sullivan recommends Christopher Baker


Professional, knowledgeable, experienced!
Jul 30, 2021

Emily Stanek recommends Richard Chalifour

Career Coach

Richard was so great to work with through the loan process. As first time home buyers, we had no idea what to expect, and Richard was there every step of the way to explain the process, hold our hands, and advocate for us. He was not afraid to put pressure on other parties to move things along, was always mindful of the timeline, and was constantly available and responsive. Richard secured us a great rate and we are forever grateful for his help in getting us our first home. I would highly recommend working with Richard - you won't regret it.
Jul 21, 2021

Abe Levy recommends Kara Fiore

Kara never quits. She’s a superstar. If it’s possible (and maybe even if it’s not), Kara will get it done!
Jul 15, 2021

Todd B. recommends Kara Fiore

Kara makes it very easy to buy or refinance. She is instructive and caring. Thank you Kara!
Jul 6, 2021

Pat Turner recommends Sherri Collins

College Instructor, Marketing

Sherri made this process so easy! No one can compare! She is so organized, diligent and knowledgeable, and her "10,000 hours" of expertise show in every step of the process. Plus she is just really fun to work with and she makes it so pleasant in all of her fast follow-up. This financial area has always been daunting for me; and she was happy to explain it all so that ultimately I understood it better than all my other re-financing. And it all moved smoothly faster too. Thank you for all your good advice, quick action and keen smarts.
Jul 2, 2021

Dennis Bouey recommends Eric Fairfax

Third time we used Eric. As always, his service is very professional and, best of all, he's very responsive. Will definitely use him a fourth time.
Dennis and Julie
Jun 30, 2021

Jim Gregg recommends Sherri Collins

Sherri Collins is a "Rock Star" mortgage broker. Professional, reliable, smart and responsive. I highly recommend her. Best I have ever worked with.

Our Team

  • Kara Fiore

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

  • Vince Breen

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

  • Eric Fairfax

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

  • Christopher Baker

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

  • Marilee Breslin

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

  • Sherri Collins

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

  • 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

  • Scarlet Kim

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

  • Jihad "Jay" Totah

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

  • Sahar Milani

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

  • Lisa Hannah

    Mortgage Broker - Townsend Office S.F.
    NMLS #: 2108195

  • Victoria Bahnasy

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

  • Mike Collins

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

  • Karen Toms Brown

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

  • Sema S Tosun, NMLS #790646

    Loan Offiicer
    Licensed by the Dept. of Business Oversight under the CRMLA