We have helped Bay Area families finance their home purchase, with over $2 billion in loans annually, and we can help you.
Offering a wide range of mortgage 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
Sean Maley
Loan Advisor - Corte Madera OfficeNMLS #237207 / 1850 - CA BRE #01057229 / 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
Foster Weeks
Loan Originator - San Francisco, Townsend OfficeNMLS #253370 / 1850 - CA BRE #01383598 / 01215943
Alan Kirth
Sales Manager - Burlingame OfficeNMLS #238808 / 1850 - CA BRE #00848621 / 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
Annie Au-Yeung
Loan Consultant - San Francisco, Townsend OfficeNMLS # 291529 / 1850 - APMC CA BRE #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
Gordon Friedman
Loan Officer - Corte Madera OfficeNMLS #248664 / 1850 - BRE #01333625 / 01215943
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
Joel Marks
Loan Advisor - San Francisco, Townsend OfficeNMLS: #216888/1850
Julie Malta
Loan Consultant - San Mateo, Burlingame (NMLS #254124)
Marilee Breslin
Sr. Loan Consultant - Townsend Office S.F.NMLS #238468 / 1850 - CA BRE #00688844 / 01215943
Audrey Boissonou
Loan Officer-Walnut Creek OfficeNMLS # 254351 / 1850 - CA DRE #01268758 / 01215943
Tim Higbee
Sr. Mortgage Consultant - San Francisco
Kevin Casey
Loan Consultant - San Francisco, Townsend OfficeNMLS #238192 / 1850 - CA BRE #01178612 / 01215943
Suzanne Diliberto
Loan Consultant - Corte Madera OfficeNMLS #286438 / 1850 - CA BRE #00991022 / 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
Bart Welles
Loan Specialist - Corte Madera OfficeNMLS #281755 / 1850 - CA BRE #01167732 / 01215943
Rich Polonsky
Mortgage Loan Consultant - Townsend Office S.F.NMLS #237277 / 1850 - CA BRE #00496899 / 01215943
Bob Bednarz
Loan Advisor - Corte Madera OfficeNMLS # 259771 / 1850 - BRE #01109882 / 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
Christopher Tyeskey
Senior Loan Advisor - San Francisco, Townsend OfficeNMLS #916573 / 1850
Abraham Lopez
Loan OfficerNMLS #2365548/1850 - 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
Katie Perez
Loan Officer - San Francisco, Townsend OfficeNMLS #633672/1850 - CA DRE #01215943
Sahar Milani
Mortgage Consultant - San Francisco, Townsend OfficeNMLS #: 1521039/1850
Risa J. Meyer
Mortgage Specialist - San Francisco, Townsend OfficeNMLS #332214 / 1850 - CA BRE #01126851 / 01215943
Fred Morfit
Loan AdvisorNMLS #: 276572 / 1850
Sheila Wood
Manager/Loan Consultant - San Francisco, Townsend OfficeNMLS #253742 / 1850 - CA BRE #00824166 / 01215943
Brian Cassanego
Mortgage ConsultantNMLS #2002976
Robert A Goeller III
Loan ConsultantNMLS #119842/1850
Jim Arrigoni
Sr. Loan Consultant - Corte Madera OfficeNMLS #286481 / 1850 - CA BRE #00956125 / 01215943
Marisa Ongbhaibulya
Senior Loan Officer - San Francisco, Townsend OfficeNMLS #278114
Mary Fung
Loan ConsultantNMLS #858429 | CA-DRE #2000531
Mark Wiener
Loan Officer - San Francisco, Townsend OfficeNMLS # 246293 / 1850 - APMC CA BRE #01215943
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
Marie Friel
Loan OfficerNMLS #2398245 / 1850 - CA BRE 01215943
Angie M. Holmgren
Senior Loan OfficerNMLS #270812 / 1850 | CA BRE 01147031
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.
JS
Alan,
You never cease to amaze!
Words can not describe the pure elation and gratitude you have helped create for me and my family for the most successful commercial funding loan close of my long career. My new 15k sqft commercial office bldg to condo conversion opportunity transaction represents our dream development opportunity in the A+ location Encinitas Ca 2.5 blocks to Moonlight Beach. The barriers to entry here are extremely high, so when the opportunity arose to purchase, it wouldnt have happened without the critical funding for the deal which you secured.
Mind you, this was no ordinary deal. The initial bridge financing was specifically challenging given the current adverse office environment which is still depressed albeit in recovery mode. Finding a needle in the haystack or rather the perfect lender to fit the bill was no easy challenge. Securing the perfect lender is such a critical aspect of your expertise in being able to match the deal with the right lender who not only believes in the vision but truly wants to be a partner in the success of the project.
Shout out to C3 bank and their entire underwriting team for a magnificent job executing to close.
There are so many forward strategic planning factors and stages to consider in a deal like this from acquisition, to short term office lease up, to construction, to permanent financing when fully leased. Alan excels in understanding the progression of the deal flow and insuring the momentum and progress will continue and not succumb to stagnation due to future global underwriting issues not considered ahead of time.
Commercial lending inherently posseses a myriad of underwriting challenges that are well above and beyond securing residential financing.
I simply would not have been able to navigate and close the single most mportant commercial financing loan of my life without you and your skills that go above and beyond residential financing
I happily endorse you to all for any and all commercial financing needs.
Sincerely, Jason Smith
You never cease to amaze!
Words can not describe the pure elation and gratitude you have helped create for me and my family for the most successful commercial funding loan close of my long career. My new 15k sqft commercial office bldg to condo conversion opportunity transaction represents our dream development opportunity in the A+ location Encinitas Ca 2.5 blocks to Moonlight Beach. The barriers to entry here are extremely high, so when the opportunity arose to purchase, it wouldnt have happened without the critical funding for the deal which you secured.
Mind you, this was no ordinary deal. The initial bridge financing was specifically challenging given the current adverse office environment which is still depressed albeit in recovery mode. Finding a needle in the haystack or rather the perfect lender to fit the bill was no easy challenge. Securing the perfect lender is such a critical aspect of your expertise in being able to match the deal with the right lender who not only believes in the vision but truly wants to be a partner in the success of the project.
Shout out to C3 bank and their entire underwriting team for a magnificent job executing to close.
There are so many forward strategic planning factors and stages to consider in a deal like this from acquisition, to short term office lease up, to construction, to permanent financing when fully leased. Alan excels in understanding the progression of the deal flow and insuring the momentum and progress will continue and not succumb to stagnation due to future global underwriting issues not considered ahead of time.
Commercial lending inherently posseses a myriad of underwriting challenges that are well above and beyond securing residential financing.
I simply would not have been able to navigate and close the single most mportant commercial financing loan of my life without you and your skills that go above and beyond residential financing
I happily endorse you to all for any and all commercial financing needs.
Sincerely, Jason Smith
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.
R
RW
recommends
Sean Maley
Jul 12, 2025
Sean closed a loan in 21 days start to completion for a somewhat difficult second home property. He had great resources at his fingertips, was communicative and an overall consummate professional. He appeared to work at any hour of the day or night something needed to be done. As one in a service industry, this was incredible. I suppose the best thing I can say is that I was so happy with what he did with this mortgage, I have him working on refinancing on another property.
A
Anonymous
recommends
Sean Maley
Jun 26, 2025
I recently closed escrow on my new home and Sean was able to navigate through a number of escrow glitches and get it done on time. Thank you, Dave
CS
Carol Sams
recommends
Sean Maley
Jun 26, 2025
Sean was so efficient and super communicative. He brought us a competitive loan.
JS
Alan exemplifies everything below and then some. I would highly recommend him to anyone who finds the attributes below (in no specific order) important as a service professional.
--Integrity
--Honesty
--Team player
--Intelligent
--Professional
--Meticulous Attention to Detail
--Thorough
--Experienced
--Forward Thinking
--Chess player strategist
--Helpful
--Motivated
--On top of everything
--Courteous
--Loyal
I could go on and on, but I'm sure you get the picture. Thank your for showing up and always performing to the highest degree of my expectations Alan. You're ongoing help and support in my real estate investment career is unmatched!
Sincerely,
Jason Smith
--Integrity
--Honesty
--Team player
--Intelligent
--Professional
--Meticulous Attention to Detail
--Thorough
--Experienced
--Forward Thinking
--Chess player strategist
--Helpful
--Motivated
--On top of everything
--Courteous
--Loyal
I could go on and on, but I'm sure you get the picture. Thank your for showing up and always performing to the highest degree of my expectations Alan. You're ongoing help and support in my real estate investment career is unmatched!
Sincerely,
Jason Smith
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!
MB
Michael B.
recommends
Bob Bednarz
May 19, 2025
It's been a pleasure
LS
Lynn S.
recommends
Bob Bednarz
May 19, 2025
It was a pleasure working with Bob & his team. They were professional and extremely helpful. Would highly recommend them.
JP
Jeremy P.
recommends
Tim Higbee
May 19, 2025
Thanks! Great job on getting us a loan.
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!
KD
Kelly D.
recommends
Sean Maley
May 19, 2025
Sean was wonderful! He was extremely thorough and competent, resulting on my loan closing in just 2.5 weeks! I couldn’t be happier with the service Sean provided. KD
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.
CB
Chelsea B.
recommends
Sean Maley
Apr 25, 2025
Sean got us financed for our first home after everybody else told us it couldn't be done. He guided us through the process and all the twists and turns, and helped us confidently navigate a really challenging market. Can't recommend him highly enough.
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.
LK
Lisa K.
recommends
Sean Maley
Apr 16, 2025
Really advocated for us to get what we needed, engaged and available pretty much 24/7 and pointed us to other resources like home insurance etc. Took good care of us.
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!
PL
Phu L.
recommends
Bob Bednarz
Apr 11, 2025
I cannot recommend Bob highly enough! As a first-time homebuyer, I was incredibly nervous about the mortgage process, but Bob made it smooth and stress-free. He was always available to answer my countless questions, responding to my emails promptly, even on weekends and late at night. His patience and dedication were truly remarkable. Bob didn't just process my loan; he genuinely guided me through the entire homebuying journey. He provided invaluable advice on when to lock in my rate, and even proactively alerted me to favorable market changes, helping me secure a fantastic rate. He was also incredibly efficient, working tirelessly to expedite the process without sacrificing any attention to detail. If you're looking for a knowledgeable, responsive, and genuinely caring mortgage lender, Bob is the person to call. He exceeded all my expectations, and I'm so grateful for his support.
Sean was friendly, efficient, skilled, concise and met every deadline while ensuring all involved in the process did as well. He also has a fun sense of humor which helped navigate my 1st home purchase/loan. He and his partner David work seemlessly! Highly recommend them!
JM
Jodee M.
recommends
Tim Higbee
Apr 1, 2025
Tim is amazing. We have now worked with him and his team twice and we'd definitely recommend his and his team
CH
Connie H.
recommends
Bob Bednarz
Mar 19, 2025
I had a great experience with Bob. He is very responsive to any questions that came up along the way, even as I considered other lenders. Bob ended up taking over my loan and was patient as I navigated some frustrating complications with another lender. As delays occurred, I was worried it would take too long to close, but he was able to work through unexpected changes and quick turnover times.
