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Bob Bednarz

Loan Advisor - Corte Madera Office Guarantee Mortgage NMLS # 259771 / 1850 - BRE #01109882 / 01215943
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
Jan 8, 2024
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!
Aug 18, 2023
Bob was very insightful and readily available throughout the whole process.
Jun 1, 2023
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)
May 25, 2023
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!
Nov 10, 2022
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!
Jan 19, 2022
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!!
Jan 3, 2022
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!
Jan 3, 2022
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!!
Nov 1, 2021
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.
Oct 8, 2021
Robert was very responsive and made everything so smooth and easy.
Sep 22, 2021
Worked with Bob for 10-years on mortgage exchanges, purchases & refinances. He has never failed us yet. Definitely, I would recommend his services as he is an excellent mortgage broker who will shop for the best deal that will fit your budget. While we had a sale, also an exchange & purchase in 2014 back to back, we closed in 21-days! Can't do any better than that.
Apr 9, 2016
Customer for 25 years
We have had the pleasure of working with Bob since we moved to Marin 25 years ago. He has handled all of our mortgage needs and we have been nothing but satisfied with his service. Bob has helped us finance college, cars, home improvements and more. We have always received the best rate with little cost to us. Most recently he provided us a great rate and schedule to quickly pay off our primary residence. This has allowed us the pleasure of purchasing a family vacation home where we can make memories with our grandchildren! We all know how difficult and stressful it can be to deal with getting together what you need for a new or refinanced mortgage. Bob makes the process easy and seamless. I am hoping we are at the end of our mortgage needs, but if we are not I know I can rely on Bob. Thank you Bob!!
Mar 17, 2016
Real Estate Broker
Several years ago, I met Bob when he was a loan advisor for my buyers. I was so impressed by his service and professionalism that I placed him at the top of my list to refer clients to. I continue to receive positive feedback and praise from my clients who have contacted Bob.

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