Alan Kirth

Sales Manager - Burlingame Office Guarantee Mortgage NMLS #238808 / 1850 - CA BRE #00848621 / 01215943
With 25+ years of experience in commercial & residential financing, Alan has helped countless clients attain their financial wealth building goals through real estate. Alan is committed to creating positive outcomes for his clients. He brings his expertise to find the best financing terms possible and working tirelessly to get the loan funded.
Recognized as "Millbrae's Man of the Year for 2010" by US Senator Dianne Feinstein among others, Alan is very active within his local community. He founded Relay For Life of Millbrae in 2010. He is a 3 time past president of the Millbrae Rotary Club, served as the Rotary District 5150 Interact Chairman, and an Advisor to the Interact Club of Mills HS.

Equal Housing Opportunity
NMLS #238808 / 1850
CA BRE #00848621 / 01215943
Jun 28, 2019
Product Manager
Alan was crucial in helping me with financial strategies to expedite my transition from Redwood Shores to San Francisco. His advice went way beyond the home purchase. I totally followed his advice and was able to sell my home, purchase a new home in the competitive San Francisco market, and mov—all in less than 60 days. It was important to me to complete this transition as soon as possible. Without him, this transaction would not have happened as quickly as it did. I’m very grateful for the guidance of his experience and completely relied on it . Thank you Alan!!!
May 5, 2019
I can not give a higher recommendation than Alan. Our refinance was complicated and Alan was able to figure out a way that best suit our families needs and take a big burden and wait from us. We are in a much better place financially and mentally thanks to Alan. Thanks again for all your experience and hard work!!
I am sure he is going to miss talking to me every day (haha).
May 5, 2019
Forever Grateful Heart
One word.....CLONE

If there’s only one Mortgage Expert that you will ever meet in your life, that would be Alan Dean Kirth. He’s beyond experienced, well connected, super resourceful, genuinely kind, pleasantly patient, seriously focused and tirelessly dedicated.

My case was unusually complex which required me to refinance my current home mortgage fast and furious. I was literally at a dead end until a very dear friend of mine referred me to Alan. Now, I have worked with several knowledgeable mortgage brokers in the last 18 years of owning my home, but none of them had the wit and wisdom that Alan offers. The quick response and strict details that only a seasoned expert would confidently know, is very reassuring. He guided me step by step from document gathering, to the stringent underwriting and finally funding.

He was there from the beginning, and especially during difficult conflicts, and strife. I may sound like I’m gloating, YES I am Gloating. He is always just a phone call, a text message or email away. (Sorry to put you through hell). You’re Godsend!

Thank you Alan, I can’t say it loud enough!

Heartfelt gratitude,
Christina K.
Apr 24, 2019
Thank you Al. You were there every step of the way. We got all the information we needed and you made it so easy for us!,
Jan 25, 2019
Some things in life come every day, some very seldom. Alan Kirth is a professional you would not meet every day or even every other day. His rare personality plus ability to understand and know how to use the resources to get you the best of what market is offer at this time, and be on your site all the way, you don't meet every day in this competitive world we leave in today.
I wish we would have more professionals who is honest, knowledgeable and compassionate to your needs, quality that Alan possess.
Jan 22, 2019
If there were a way to give more than five stars to Alan, I would definitely do it!

I have worked with Alan twice and each time he has gone above and beyond to quickly and expertly help me get a mortgage loan. He was so professional and yet so caring at the same time. I always felt I was in good hands!

I was nervous about applying for such a large loan but his confident encouragement and his sense of humor in addition to his super-knowledge of every aspect of the loan application process really kept me calm.

Alan has even helped to change the way I now look at situations in my life. I am trying to focus more on the positive - (Go up!) and it is already helping me. He could definitely start a side business as a therapist if he ever wanted to!

There is no one smarter or more knowledgeable than Alan Kirth. I thank him from the bottom of my heart for all of his assistance. He is amazing.
Dec 27, 2018
He was amazing. He went above and beyond again and again. He didn’t let anything stand in his way. I highly recommend him.
Dec 7, 2018
Golf Coach First Tee of San Joaquin
Alan kept his nose to the grindstone, and worked tirelessly to get me my loan. My situation was a complicated one for many reasons, and Alan guided me the the entire tricky process. He is a total pro and I highly recommend him to anyone!
Dec 6, 2018
I reached out to Alan a year before applying for a refi, and Alan took the time to prepare me for when I actually would be able to apply. I had circumstances that made it difficult to refi. I was turned away from three other loan officers, and Alan made it work. He was very communicative, professional, and kind. Alan is honestly a miracle worker, and I will be forever grateful. I get to keep my home thanks to him!
Sep 2, 2018
Alan got us a refinance mortgage at a competitive rate when others could not.
Alan has vast knowledge and contacts that provided a solution for us that worked.
Alan is great at developing LOEs (Letters of Explanation) that moved
the loan application through underwriting.
We were fortunate to have him as our advocate through the refinance process.
We recommend Alan for all of your real estate lending needs!
Jun 19, 2018
1st time home buyer
Alan is the best! If you need a loan, he is the one to talk to. His knowledge, expertise and genuine love for what he does is evident in his work. As a first time home buyer, I was intimidated by the process. However, after my initial conversation with Alan all of my fears were put to rest. He explained the process in detail and walked me through it. Breaking things down in a way that was easy to understand. He was always available and took the time to answer all of my questions. Making the process an easy and enjoyable experience. At the end of the day I felt like I was not just working with a mortgage broker, but that I was working with a friend who just so happens to be the BEST mortgage broker in the business. Thank Alan. Your dedication and expertise is greatly appreciated!
Mar 23, 2018
Alan handled complex transactions for me, and kept me informed throughout the process.
Mar 18, 2018
Alan Kirth is a Jedi Master of Loan Officers. At the start of our mortgage loan application process, Alan carefully explained exactly what we needed to secure our loan then guided us through the process of completing all documentation using state-of-the-art software to allow safe and secure submission of completed docs.
It wasn't just my wife and I who appreciated Alan's knowledge and professionalism, our realtor and the title company were very impressed with Alan's knowledge, organization, and efficiency. In this day of high scrutiny of mortgage loan applications, Alan helped us get our loan submitted and approved weeks before closing.
If we ever have the good fortune to need another mortgage loan, Alan will definitely be our go-to loan officer, and we would highly recommend Alan Kirth to anyone looking for a mortgage loan, or any other financing!
Mar 3, 2018
CTE Coordinator South San Francisco Unified School District
Alan is so experienced that he is able to see issues before they become problems. His advise and direction is exactly what is needed in today's multifaceted lending environment. It was a pleasure to work with him and I would recommend him to my friends and family.
Feb 14, 2018
Business Owner / Real Estate Investor

Alan is nothing short of amazing. His expertise, professionalism, integrity, diligence, communication during the loan process, and attention to detail in packaging the loan application is 2nd to none. There is no doubt in my mind that his knowledge and meticulous preparation of the loan file prior to submission was the only way my loans would have had a chance of closing.

Navigating lenders and loan programs is no easy challenge in today's market, yet he does it thoroughly with ease and diligence. I have closed 2 loans with Alan on one of my 4unit apartment buildings in the last 12 months. The last loan closed was a cash-out refi that was nearly impossible to even find a lender or program because they are such a rare breed today. But he did!

Huge thanks to you Alan for closing 2 critical loans for me in the last 12 months and enabling me with the investment liquidity via a cash-out refi for other investment opportunities.

I would highly recommend Alan to homeowner's and investors alike.

Jason Smith
One happy individual
Jan 26, 2018
Alan is the absolute best at what he does. We just closed our second mortgage with Alan. Hopefully its the last, but if not, we will definitely be using Alan again.
He is professional, courteous and honest. His communication was excellent throughout the process. He cares about his work and his clients and it shows. I would HIGHLY recommend Alan Kirth to anyone looking to purchase a home. Thanks again Alan.
Jun 29, 2017
It was a great experience working with Alan. He took the time to explain each step of the loan process thoroughly to be sure I understood. He answered all of my questions patiently (and I had a lot of them!).

After a long, tedious and ultimately unsatisfying experience with Wells Fargo, working with Alan was a revelation. With his wit and sense of humor, he kept the process running smoothly. So smoothly, in fact, that I was questioning why everything seemed to be going so well! He reassured me that this was how things should be done.

Alan knows everything (and then some) about mortgages and the ins and outs of applying for a loan. I really felt supported during the whole process and will not hesitate to recommend him to everyone I know!
Aug 12, 2015
Realtor Broker Assiciate
Hi Alan,

I wanted to thank you for your tremendous effort in obtaining this loan for my mom. It was very impressive to me to see how you stayed with it, and kept on gathering information so it all would make sense for the underwriter to approve.

Not sure if anyone else could of done what you did.. I appreciate it, and thank you for completing a complicated loan for us.

To say the least, your my guy to refer and conduct business with now and in the future.

Many Thanks!

Wayne Gomes
Coldwell Banker
1427 Chapin Ave
Burlingame Ca 94010
Direct: 650-558-4318
Fax: 650-347-4067
DRE # 00673914
Oct 30, 2014
I would highly recommend Alan to anyone ready to begin the mortgage process or to anyone who is considering buying in the near future. I spoke with Alan several months before finding a home and his knowledge and advice had me prepared when we began the mortgage process. With Alan as your lender you are in good hands. Communication is his strength and he will make sure that you are updated as to the progress of your mortgage. In addition to his knowledge and communication skills he is truly a pleasure to work with. I trust him and highly recommend him.
Jul 23, 2014
Alan knows his stuff. I was impressed by his knowledge and ability to shepherd my loan through.

I had a particularly difficult situation with many roadblocks, but Alan knew how to overcome them and get me the best rates possible.

I highly highly recommend Alan!
Mar 11, 2014
I was referred to Alan after Wells lost our refinance paperwork several years ago. Alan was so knowledgeable and helpful it made the refinance process almost enjoyable. He explained things in simple terms and was able to find the best rate and program that fit our needs. He was very thorough and kept us updated on progress of our refinance. He was easy and fun to work with. I would recommend him to any friends and family.
Mar 10, 2014
Home Owner -- San Francisco
I have known Alan for quite a few years. Alan has always conducted himself in a very professional and caring manner. More than anyone I have ever dealt with in this industry, Alan truly values the process of building long-term relationships.

I recently had to go toe-to-toe with the San Francisco Assessor-Recorder's Office regarding a property tax issue. In short, the city inappropriately increased my property taxes 12-fold and they were also seeking $45K in back-taxes. Although Alan could not help me directly, he recommended and outstanding real estate attorney (Janet Fogarty) who was invaluable to me during this very arduous 2-year process.

Alan has not only helped me but several of my friends to refinance our homes during the past 20 years. Alan is always current on industry trends and has forgotten more about the real estate industry than most real estate professionals will ever learn.

I highly recommend Alan.

William Thomas Saltz

Oh ... by the way ... I prevailed in my case against the city.
Mar 1, 2014
PM Business Intelligence
I have known Alan for over 25 years. We’ve been colleagues, and now, a friend and his client. There are few people you meet in life that leave an impression on you forever – Alan is such a person.

In the early 1990’s I decided to dabble in the mortgage loan business and joined Phoenix Mortgage. My interest was mostly to be involved in the real estate business and had no sales experience what so ever. Alan, at the time, was the branch senior Sales Manager.

I’ll never forget the first day we met and the sales orientation meeting we had. The next day I wrote my first loan application from the very first call I received. Why? I followed Alan’s instructions to the T. And it’s that very sales orientation meeting, and what I learned, that I treasure the most. It wasn’t the sales technique, or how to sell that I remember, rather the message and how to be a better listener. He taught me the importance of being thorough, understand your customer’s need, don’t be afraid to say no and most importantly be honest to yourself and your client.

After my years in the mortgage I decided to move on but always stayed in touch with Alan. Alan is the first person I recommend to friends and call when I have a real estate loan need or simply a real estate related question. And true to form, there was one occasion when Alan said he wouldn’t be able to help me and suggested alternatives. Alan always keeps himself up to date on real estate matters and I consider him one of the more knowledgeable real estate professionals.

Alan is now working on probably the 6th or 7th loan for me. I know all will go well because Alan explained all the changes that have occurred in the loan business in the past year and how it could impact my situation. Alan did his due diligence and fully and clearly articulated what to expect throughout the loan process.

I would not hesitate to recommend Alan for your real estate loan needs or simply asking his opinion about your situation. You’ll come out of the conversation with a complete understanding pertaining to your loan.

Carl Ghoreichi
Feb 28, 2014
Alan was instrumental in helping me obtain the best mortgage loans. He provided a lot of information to help me understand about various financing options and ultimately select the loan that was right for me. I've refinanced several times using Alan and have always been satisfied with his services. He is very well versed in the mortgage business but he is able to explain things in laymen's terms and he is willing to take the time to answer questions. I also appreciate that he puts the my needs first and will not recommend a particular loan or refinance unless it is in my best interests, unlike the companies out there that are completely focused on making the sale. Alan is also very personable and has a good sense of humor. I definitely would recommend him
Feb 12, 2014
Just wanted to be the first to recommend Alan for any mortgage needs you may have. His expertise in the field was amazing and made the process very smooth and hassle free. I've know Alan for many years and I am so glad he is with Guarantee Mortgage. I will be referring friends for sure!. Thanks Alan!

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