Mike Pitts

Loan Officer - Santa Barbara Office / Solvang Branch Guarantee Mortgage NMLS #763776 / 1850 APMC BRE # 01215943
Mike has lived on the Central Coast since 1981 when he came from the Bay Area to attend UC Santa Barbara and complete his BA in Economics. He has over 25 years in the local lending arena as both a commercial loan officer with local Banks, and more recently as a residential loan agent in Solvang, Santa Ynez, and Lompoc.
Mike’s deep understanding of the loan process from documentation to underwriting has made him an invaluable asset to the area’s community and can save you valuable time at the initiation of your loan request.
Mike moved to Chile in 1993 where he spent 9 years working for Reuters, learning Spanish and raising his three daughters with his wife Cecilia. Returning to Lompoc where he has owned a home since 1989, he obtained his Real Estate Brokers license and last year made the move from retail banking to residential lending with Guarantee Mortgage’s Solvang branch.

Equal Housing Opportunity
NMLS #763776 / 1850 APMC BRE # 01215943
Oct 6, 2017
Company Owner
Mike is a true professional! He spent so much time with me ensuring I was educated on all facets of this unknown (which for many is unknown) process.

His approach is to collaborate and because his work ethic is quite commendable and ethical, the process gave me deep respect for this industry.

Mike worked with me as if this was his own home mortgage and the end result was that I have an affordable mortgage - just like he promised me!

I would highly recommend Mike as he is an expert in his field and if there is a question he cannot answer (a rarity), he will seek out the answer - always looking out for the customer.

I was blessed to work with him as he has helped my financial future through his hard work and exceptional customer service!

Sep 16, 2017
I recently purchased my first home and I was referred to Mike when I began to search for lending. This was a complicated deal since I was purchasing off market from a family member and neither of us knew what needed to be done. Mike was great from the get go! He got a complete idea of what we were hoping to do and then layed things out step by step. Loan options, gift equity, sales contract, appraisals etc. He literally did everything that was asked of him since we did not use an agent!

I was completely green to this process, so naturally he had to answer a ton of questions and repeat himself until I understood things. He was patient, understanding and knowledgeable. I felt very comfortable and knew he genuinely cared about the outcome. And when things came off the rails (and they certainly did!) he just kept his head down and worked through the problem. Solid.

Naturally I contacted a large well known national lender to get another quote. A vastly different and impersonal experience!!
Spent a week going back and forth with an agent, only to come to find out he didn't actually listen from the start and they could not provide what I needed. Ugh

Do yourself a favor and call Mike for your mortgage lending needs! He'll be working the loan on my next place, that's a Gaurantee 😊

Cheers Mike!! 🍷
Sep 13, 2017
After getting very frustrated with another large, popular mortgage lending group, a real estate agent gave me Mike’s contact information and I gave him a call. What a different experience. Mike listened and offered loans that we wanted, not what he wanted to sell. He is professional, knowledgeable, experienced and just plain nice. After obtaining maybe a dozen mortgages over my lifetime, I can easily say this was the best experience by far and I would not consider using anyone else.
Sep 12, 2017
Manager Mastercraft Motors
Bought a home last September. I had received a quote from another mortgage company and everything was great until I started to really examine the fees associated with the loan. I reviewed them with my real Estate agent and the fees seemed extremely high. When I contacted Mike Pitts he quickly arranged a meeting to review my needs. Not only were the fees previously quoted by the other company extremely high, Mike as able to structure my loan to where I did not have to put all the money down that I thought I was going to have to put down. The whole process was explained in terms I could understand and I was given choices. Extremely happy that I chose to use Mike Pitts at Guarantee Mortgage.