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
Eric Fairfax
Branch Manager / Sr. Loan Consultant - Townsend Office S.F.NMLS #57748 / 1850 - CA BRE #01135991 / 01215943
Pov Oum
Loan Officer - San Francisco, Townsend OfficeNMLS # 1226687 / 1850 - APMC CA BRE #01215943
Kara Fiore
Loan Consultant - San Francisco, Townsend OfficeNMLS #241552 / 1850 - CA BRE #00977921 / 01215943
Joel Marks
Loan Advisor - San Francisco, Townsend OfficeNMLS: #216888/1850
Christopher Baker
Sr. Commercial & Residential Loan Officer - Townsend OfficeNMLS #294586 / 1850 - CA BRE #01117785 / 01215943
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
Ron Fiore
Vice President - San Francisco, Townsend OfficeNMLS #57752 / 1850 - CA BRE #01142223 / 01215943
Cecelia Tyeskey
Reverse Mortgage Specialist - San Francisco, Townsend OfficeNMLS #239861 / 1850 - CA BRE #01212004 / 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
Ming Leong
Loan Consultant - San Francisco, Townsend OfficeNMLS # 252471 / 1850 - CA BRE #01369831 / 01215943
Richard Chalifour
Residential & Commercial Loan Consultant - Townsend OfficeNMLS #349170 / 1850 - CA BRE #00915461 / 01215943
Jomar Drake
Sr. Loan Officer - San Francisco, Townsend OfficeNMLS #527397/1850 - CA BRE 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
Marisa Ongbhaibulya
Senior Loan Officer - San Francisco, Townsend OfficeNMLS #278114
Bob Siefert
Senior Vice President - San Francisco, Townsend OfficeNMLS #55105 / 1850 - CA BRE #00921214 / 01215943
Amy Lai
Loan Consultant - San Francisco, Townsend OfficeNMLS #341535 / 1850 - CA BRE #01795977 / 01215943
Victoria Bahnasy
Sr. Loan Consultant - San Francisco, Townsend OfficeNMLS #248727 / 1850 - CA BRE #00549512 / 01215943
LG
Luanna Gin
recommends
Vince Breen
Aug 9, 2026
My partner and I would not have gotten our home without Vince, Esther and team. After viewing an open house on a Saturday afternoon in July and meeting who would become our buyers' agent (Judy), Judy helped us move quickly with a preapproval from Vince within a few hours. And by Monday afternoon, we submitted an offer that was accepted the same evening.
Vince and team checked in with us daily, even multiple times a day from the moment our offer was accepted, to the time we closed. In fact, we closed 5 days earlier than planned because Vince and Esther were working hard behind the scenes. Would absolutely recommend working with Vince!
Vince and team checked in with us daily, even multiple times a day from the moment our offer was accepted, to the time we closed. In fact, we closed 5 days earlier than planned because Vince and Esther were working hard behind the scenes. Would absolutely recommend working with Vince!
I cannot say enough wonderful things about Eric and the exceptional service he has provided throughout the years. He has helped me through some of the most important financial milestones of my life—from purchasing my first home, to refinancing for home improvements, supporting my family’s needs, and now helping me with this new chapter as I purchase another property.
Eric is so much more than a mortgage broker; he is a trusted advisor, a true professional, and someone who genuinely cares about the people he serves. His knowledge, patience, guidance, and attention to detail have always given me confidence and peace of mind throughout every process.
I feel truly blessed to have crossed paths with Eric. His dedication, integrity, and commitment to helping others set him apart. He takes the time to listen, explain every step, and make sure his clients feel supported and valued.
Thank you, Eric, for your years of guidance, encouragement, and friendship. I highly recommend him to anyone looking for a mortgage professional who will treat you with respect, honesty, and genuine care.
May God continue to bless you with happiness, good health, and success in all that you do.
With sincere gratitude,
Betty 🙏
Eric is so much more than a mortgage broker; he is a trusted advisor, a true professional, and someone who genuinely cares about the people he serves. His knowledge, patience, guidance, and attention to detail have always given me confidence and peace of mind throughout every process.
I feel truly blessed to have crossed paths with Eric. His dedication, integrity, and commitment to helping others set him apart. He takes the time to listen, explain every step, and make sure his clients feel supported and valued.
Thank you, Eric, for your years of guidance, encouragement, and friendship. I highly recommend him to anyone looking for a mortgage professional who will treat you with respect, honesty, and genuine care.
May God continue to bless you with happiness, good health, and success in all that you do.
With sincere gratitude,
Betty 🙏
RM
Ropak McM
recommends
Ron Fiore
Aug 3, 2026
Third loan Ron has done for us, going back to a refi in 2020, so he was the first call when we started looking in Davis. We were buying before our San Francisco house sold, on a place that wasn't on the market yet, so we had to write an offer with no sale contingency. That only works if your lender is far enough along that you aren't bluffing. Ron was. We got the house at full ask. Then our sale closed early and the bridge loan we'd lined up wasn't needed. He unwound it before it funded, so we never paid the fees on it. He flagged that, not us. He also answers his phone.
SO
Summer O.
recommends
Joel Marks
Jul 27, 2026
Efficient and good communication.
AG
Adhitya G.
recommends
Joel Marks
Jul 22, 2026
Joel is a consummate professional and his responsiveness/attention to detail while retaining the human touch was among some of the best of any person I've worked with. Would highly recommend.
JD
Jeff D.
recommends
Kathy Derangi
Jul 20, 2026
Working with Kathy was flawless. Kathy helped my partner and I close on a home in Oakland in 15 days. She was available whenever we had questions or wanted to make an offer.. Knowledgeable, responsive,. Her communication was excellent, she kept us informed every step of the way, and worked hard to secure the best financing for our needs. I highly recommend Kathy Derangi to anyone looking for a trustworthy, professional, and dedicated mortgage lender. Thank you, Kathy, for making our home purchase such a great experience!
RX
Rachel Xu
recommends
Ming Leong
Jul 18, 2026
Ming helped us get our mortgage done with clear communication and good suggestions on how to make things easier for everyone. He also made sure that we are on top of the things we need to do by giving timely reminders. 12/10 recommend 🔥🔥🔥🔥
SC
Spencer C.
recommends
Ming Leong
Jul 13, 2026
Ming gave us the guidance we needed and got us through the process smoothly. We're really grateful for his help!
MG
M. Gross
recommends
Aisling Ferguson
Jul 8, 2026
She was responsive, creative, and helped me get my dream house without a hitch.
YT
Yesenia Torres
recommends
Pov Oum
Jul 7, 2026
Pov you’ve been incredible throughout this entire journey! 🙏 Thank you for your dedication in helping me turn this challenging process into a reality. In the end, it was all worth the wait.
Your professionalism, patience, and attention to detail made this homeownership journey much smoother than I ever expected. I’m truly grateful for all the time and effort you invested to ensure everything went seamlessly. Thank you for making this dream come true!
Your professionalism, patience, and attention to detail made this homeownership journey much smoother than I ever expected. I’m truly grateful for all the time and effort you invested to ensure everything went seamlessly. Thank you for making this dream come true!
RL
Racelle L.
recommends
James W. Argo
Jul 1, 2026
Our loan had unique problems. Jim walked us through them all and got us the loan. Excellent communication.
CO
Carl O,
recommends
Joel Marks
Jun 8, 2026
Outstanding service! Highly knowledgeable. Flexible. Accommodating. Very communicative. First rate!
AM
A M
recommends
Marisa Ongbhaibulya
Jun 8, 2026
Marisa Ongbhaibulya was an amazing loan agent. Very communicative, and kept my father and I in the loop every step of the way. She was also great at following up and checking in with us. There were often many questions we would have and she answered each and every one of them in a way that left us better educated than when we started! If you’re looking to work with an amazing agent, please consider asking for Marisa! You won’t regret it!
MJ
Mike J
recommends
Kathy Derangi
May 7, 2026
Kathy was fantastic to work with and she helped us close on our dream house! She was always responsive, flexible and helped us find the financing solution we needed. I’d highly recommend working with Kathy!
OK
Pov and her team are rock stars! They far exceeded my expectations with professionalism, courtesy, timeliness and accuracy. They are definitely a team to trust!
AY
Alvin Yates
recommends
Pov Oum
Apr 30, 2026
Pov was an absolute rockstar from start to finish. We had an aggressive close date and a lot of basic questions as first time home buyers, but she was both responsive and efficient, advising us every step of the way on how we could close as fast as possible and driving us through to the end.
No question I would have Pov in my corner if and when we do this again
No question I would have Pov in my corner if and when we do this again
OK
Outhay Kham
recommends
Pov Oum
Apr 30, 2026
Pov and are team are truly the best of the best! They are professional, knowledgeable, timely, courteous and caring people. I highly recommend to use their service. You will not regret it.
Anonymous
recommends
Marisa Ongbhaibulya
Apr 27, 2026
Marisa Ongbhaibulya is the best person, she is able to do my I. The sort period of time and good approved. My loan did not approve with the previous person and she is making simple and easy. Also, she is easy to work with. Really flexible with her time, phone calls. She is putting her time to work for you. I would highly recommend to take as mortgage broker . For sure I will keep her or take her again in the future.thanks
LS
Eric is very knowledgeable about his work. He has helped us before and we are very grateful for his help.
EM
Scarlet is an outstanding mortgage specialist. she has been patient with us through a very challenging period. She is amazing to find and review multiple scenario's for our specific situation. She has been more than accommodating to answer our calls and answer questions throughout the process. We enjoy working with her to pursue happiness and prosperity.
CS
Cheree S.
recommends
Eric Fairfax
Mar 27, 2026
Awesome, Amazing, Persistent, Dedicated, Experienced; I can go on! There are not enough words to describe the gratitude and thankfulness I owe to Eric and his team. A journey (with many twists and turns) that started in September 2025 to purchase my grandmother's home, finally came to fruition this past Wednesday, March 25, 2026. Purchasing my family home involved emotional as well as financial challenges and with Eric's dedication, expertise and strong drive to see my dream become a reality, we conquered the challenges. There were times when I wanted to give up, however, Eric's experience and knowledge always allowed him to find solutions. I am so grateful and thankful to Eric. I would not have wanted to go through this experience with anyone else!
FG
Felicia G
recommends
Larry Horowitz
Mar 25, 2026
Once again, Larry made it straightforward and painless to refinance my home. He always makes certain to keep me informed throughout the process and address my questions. I highly recommend Larry for any mortgage needs.
EG
Erika Gliebe
recommends
Kathy Derangi
Mar 5, 2026
Kathy was absolutely amazing to work with. We had a quick close loan and she kept everything moving at lightening speed. Great communication from start to finish and a pleasure to work with throughout the process.
SS
Susio Saephanh
recommends
Pov Oum
Feb 21, 2026
Pov oum and her team was awesome, we were able to close in two weeks. Thank you so much for your support!!!!
CC
Orlando is my go to person every time I need to acquire a loan whether it’s for an investment property or a personal loan. I love love love working with Orlando.
He is knowledgeable and I trust his recommendations.
Highly recommend!
He is knowledgeable and I trust his recommendations.
Highly recommend!
