If you are looking for an affordable mortgage interest rate, I want to be your end point in your mortgage shopping. I’m dedicated to creating affordable living with secure real estate funding for purchasing or refinancing homes and investment properties. I utilize solid lending relationships, the latest technological advances and good old-fashioned customer service.
I have been originating mortgage loans as a Loan Advisor since 1992 and still find that I love what I do. I enjoy being a homeowner in San Francisco. I want my clients to feel the same way I do by helping them make it a more affordable place for you to live.
What if you don’t fit into the conventional lending box? Do you worry if you don’t have good enough credit? Are you afraid you don’t have enough money for a downpayment? Here are a few ideas where I can help you:
* Secure creative financing for borrowers whose income is not fully reflected on their tax returns.
* Find downpayment assistance.
* Offer ideas to parents on how to help their children buy a home.
* Give useful advice for building up better credit scores.
* Help leverage assets to purchase property and build up real estate portfolios.
* Lock in competitive mortgage interest rates for conventional, FHA, and VA financing.
I enjoy creating purchase strategies for homebuyers and refinance strategies for homeowners. It is very satisfying when potential borrowers follow the strategies we create together to finance the home they really want. Contact me today. Let’s analyze your real estate financing needs and goals. My goal is to be your lender for life.
BTW: I love referrals! I am very active in the business and networking community in San Francisco and Marin County. Let’s see if we can become referral sources for each other.
NMLS #259771
About Me
Loan Advisor
Guarantee Mortgage
NMLS # 259771 / 1850 - BRE #01109882 / 01215943
VH
Bob is such a professional! Knowledgeable, experienced in navigating through issues that pop-up with the complicated loan process. Would definitely use him again.
HB
Bob and I used to work at the same mortgage brokerage office many years ago. If you are looking for a mortgage broker with the highest level of integrity and professionalism, I know you will enjoy your working with him.
NM
You guys did a great job!
CM
Amazing! Super responsive and followed up with prompt updates. Definitely would work with Bob again.
BN
I had a fantastic experience working with Bob. Bob was extremely professional, transparent, and proactive throughout the entire home loan process. He kept me updated, explained options clearly, and ensured everything moved forward on time. His dedication and expertise made a huge difference. I confidently recommend Bob to anyone seeking reliable and excellent home financing assistance.
MC
Bob was absolutely amazing! This was my first time purchasing property and Bob was incredibly helpful throughout the entire process. My closing was slightly complicated as it had two lenders and they each had slightly different requirements. Bob helped me to navigate the process and kept a cool head through the close. I wouldn't be a homeowner today without Bob and his steady, guiding hand. If you are looking for a lender who will work with you and for you, look no further than Bob Bednarz.
MB
It's been a pleasure
LS
It was a pleasure working with Bob & his team. They were professional and extremely helpful. Would highly recommend them.
PL
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.
CH
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.
AM
I’m so grateful for Bob’s help moving through this transaction! He was patient, kind and a joy to work with! He gave realistic expectations and communicated effectively.
MV
Bob was amazing. He walked me through the process. Informed me of what was needed and when along with ways to ensure I got the best loan to meet my needs. Bob was very patient and personable. I would recommend him to everyone!
JS
I'm very happy to share my fantastic experience with Bob Bednarz (Guarantee Mortgage). I recently re-financed my home mortgage and due to special circumstances, I had to delay the process several times, causing delay and complication. Bob stayed with me the entire time, always patient and always managing the lender behind the scenes so the process stayed on track. He was also ALWAYS right there to answer questions and keep me informed, never out of touch for even an hour at a time. Bob is my mortgage broker for life.
AF
Bob was an excellent support in helping me secure my mortgage and successfully purchase a home. The previous loan officer/mortgage advisor I had begun working with did not ask me any personal questions or advise me about how to get the best bang for my buck, so I asked my realtor for a recommendation and landed with Bob. From the beginning, he was amazing. He excelled at explaining: my various options, the pros and cons of those options, the process and timeline, and especially the terminology that confused me. Bob was patient, readily available, and was able to jump in at the end and help me close faster and take maximum advantage of a credit offered by the seller. I cannot recommend Bob Bednarz highly enough. Thank you, Bob!
JP
Bob was very knowledgeable and responsive!
ES
Smooth, and easy even though it was a bit complicated with two loans at the same time, but Bob managed it all.
FL
I had the pleasure of working with Bob Bednarz for the financing for my first home. Bob is communicative, approachable, straight forward and responsive. Bob guided me through ever single step of the loan process, from pre-approval to underwriting to closing. He was there to provide more information when needed, to make sure I get line by line what all the numbers mean. Thanks for helping me achieve this milestone, Bob!
CW
Bob was very insightful and readily available throughout the whole process.
RF
Excellent communication, rapid response time, willing to make changes quickly, looked for the type of deal I specified (did not try to force any alternatives)
CA
This is my second exemplary experience with the high level professionals at Guarantee Mortgage. Bob Bednarz and his team at Guarantee Mortgage took my complex 25 year self-employed earning history, distilled it with seeming ease, and got my loan funded within a two week closing window. Their professionalism knows no bounds! 5/5 stars!
AY
Bob was tremendously helpful. We had a very short window to close our financing, but ran into some complications due to my visa status. Bob was incredibly persistent and resourceful, and helped us find a good lender in the end. Definitely recommend Bob to anyone looking to purchase a home!
PP
This is my THIRD time working with Bob (original mortgage and two refi's). Bob is professional, personable, and very knowledgeable. It's always a pleasure!!
CH
Bob always go the extra mile to help us out, and is extremely thorough, organized and conscientious. He's also very friendly and approachable. He continues to be our go-to guy for mortgages!
CS
Bob has guided me through more new loans and refinances than I could've ever imagined! Through it all he has worked hard to deliver the best rates in the business with confidence and efficiency. He is very accessible and responsive, which makes the loan process run smoothly. I have and will continue to recommend him to anyone seeking a loan!!
MS
Bob Bednarz is an outstanding Real Estate Professional who flawlessly directed my refinance process. The online process was user friendly, and we were able to meet the required timelines. Bob was available both online & via phone. He knows the Real Estate business and the directions and recommendations provided, greatly assisted my paperwork process. Thank you.
