Larry Horowitz

Loan Consultant - San Francisco - Montgomery St. Guarantee Mortgage NMLS #239001 / 1850 - CA BRE #01003870 / 01215943
Larry received his Bachelor’s Degree in accounting from the University of Texas in Austin, rated as one of the best accounting schools in the country. Larry’s financial services career began with the Big 8 accounting firm, Arthur Young in San Jose.

After obtaining his CPA license, Larry went on to graduate with a Master’s Degree in Financial Planning from Golden Gate University. In 1988, Larry left accounting and commenced his new career in mortgage financing. After seven years with South Bay Mortgage in Los Gatos, Larry relocated to San Francisco and joined Guarantee Mortgage. Larry has been part of Guarantee Mortgage’s rapidly expanding family for the past 10 years.

Equal Housing Opportunity
NMLS #239001 / 1850
CA BRE #01003870 / 01215943
Jul 7, 2020
I can easily recommend using Larry for your loan needs. Larry is a great communicator, easy to work with and someone you can trust.
Jun 10, 2020
Wow the whole process was much quicker and easier then I anticipated. Great job Larry.
Mar 3, 2020
Larry has been my loan adviser for 25+ years. What started as a first time home buyer in San Francisco in 1995, has continued through my 3rd home and many refinances.

Larry is a great communicator and always has my best interest in mind. He answers questions timely and provides the right amount of detail so I can make an informed decision. It's not unusual for me to receive an unsolicited email from Larry with a recommendation to consider refinancing my home loan.

Larry has definitely saved me thousands and thousands of dollars over the past 2 1/2 decades.

Larry - thank you being the best Loan Consultant!

Barry Schmell
Mar 2, 2020
We’ve worked with Larry for 20 years, from the initial purchase of our house through several refis. He’s always been rock solid—every detail attended to, every question answered promptly, and of course he’s found us the best loans available. And he’s a nice guy. He gets our highest recommendation.
Oct 11, 2019
As always Larry kept us updated on what was needed and the next steps along the loan journey. Appreciated all the white glove service he provides. Our 3rd deal with him and every single deal went smoothly.
Oct 7, 2019
Having worked with Larry for more than a decade, I can recommend him without hesitation. He is the consummate professional, always focused on his clients and what’s in their best interest. If you’re looking for a top flight mortgage broker, Larry is one of the best in the business.
Jun 15, 2019
Larry is and has always been an exceptional resource and trusted advisor for me and my family for the last twenty years. We wouldn’t use anyone else to help us with loans.
May 12, 2019
In one word - the best. Larry knows his stuff and was there every step of the way to help and offer alternative suggestions to make the re finhappen. I cannot say enough good things about Larry and his expertise and help through this quagmire if financial hyjinx. HE IS THE BEST AT WHAT HE DOES.
Aug 1, 2018
08/01/2018 Larry is professional, reliable and went to great lengths to make our loan process run smoothly. He is very attentive to detail, and quickly responded to phone calls and emails. He went out of his way to communicate with our realtor, escrow officer and even the seller when questions needed answering. We have used Larry for multiple real estate transactions and highly recommend his services.
Aug 1, 2018
08/01/2018 I've been working with Larry for over 25 years now, and he has always been helpful and reliable. He went above and beyond the call of duty for this recent transaction. He was creative, patient, and persistent. Not many lenders could have helped me in the way Larry did.
Aug 25, 2016
Just refinanced with Larry once again. I believe this is the 3rd time! It went great. Larry has so much patience for this complicated process. My family has been working with Larry for over 20 years. My brother, my sister and my parents all have had great working relationships with him. We highly recommend Larry!
Apr 21, 2016
Network Administrator
Larry is the best!!!!
We have worked together on 3 deals over the past 8 years and he continues to impress me by his knowledge and his experience.
Feb 22, 2016
I've worked with Larry 3 times over the past 7 years when I originally purchased my home and twice when I refinanced. He walked me through the entire process and was so quick with responding to my questions 24 x 7. When considering my mortgage options Larry presented me with all my choices and helped me calculate the impact of each. I never felt forced into making a decision and always felt confident when I did because I had all the facts. I greatly respect his high level of integrity and knowledge of the business which coupled with his pleasant and approachable personality he's who I call for all my mortgage needs.
Nov 19, 2015
Larry has a unique balance between professional excellence and customer care. He is efficient, detail oriented, highly skilled and has a cutting edge view of the mortgage industry. He is also a great communicator and goes above-and-beyond to make the refinancing process as headache-free as possible. We highly recommend Larry, and are grateful for his partnership of 19 years.
Aug 5, 2015
Larry was a pleasure to work with! Throughout the entire application process, I never had to wait for answers to any questions I had for him and I never had to wait for status updates on my application. He was very thorough in ensuring that I was well-informed throughout the application process. In fact, the entire application process felt relatively easy and convenient while I was working with Larry.

Definitely give him a call if you need to work on applying for a mortgage or a refinance. I'll definitely be going back to him if I need to apply for another mortgage/refinance in the future.
Jul 26, 2015
We've worked with Larry for the past 13 years. He is one of the most honest and professional individuals I have ever encountered in the industry. Over the years he has acted as a trusted partner working with us to make the best mortgage decisions for our family, never pressuring us to make a move that did not make sense. I have no qualms recommending Larry to anyone looking for help to secure a mortgage.
May 14, 2015
San Francisco homeowner
Larry helped me with my initial mortgage over ten years ago and with refinancing twice. Very knowledgeable. Very helpful. And very service-oriented. Each time I got a great product that was right for me and without any pressure. Everything went smoothly each time. I'm definitely going back to him next time. Thanks Larry.
Mar 15, 2015
Senior Tax Manager
I first met Larry many years ago when we were first-year analysts in public accounting sharing a cubicle! So I've always completely trusted him to refinance my home loans. Each time, Larry came through lowering my rate and finding a great deal on a no-point, no-fee refi. He explained the product options in detail, and discussed market issues and timing. He constantly provided status updates with timely emails and phone calls. He anticipated potential issues with credit reports and the title transfers around my trust, and quickly followed through with suggested fixes. He was respectful of my time and was flexible, making himself available after hours. Honestly, I don't know where he finds the energy! I highly recommend him and I personally will never use anyone else.
Jan 8, 2015
We had an incredibly complicated refinance along with a secondary loan that was on a very tight deadline and Larry got us through it al with room to spare.
This the third time we have worked with him and he is thorough and precise.

I would highly recommend him for any type of mortgage endeavor!
Jan 8, 2015
property owner
Larry recently brokered about the fifth refinance he's done for me over the years, in addition to obtaining the original loan. He's helpful, clear, and responsive, and he gets the best deals available. He's friendly and professional. Working with him, you feel you're in good hands throughout the process. I couldn't recommend him more highly.
Sep 20, 2014
I've worked with Larry on three property purchases and wouldn't consider switching to anyone else. I know he's always got my best interest at heart and is great a guiding me through the process. He's always well informed of market conditions that could affect rates and gives excellent counsel. With Larry, you know he's got your back!
Sep 10, 2014
A very satisfied customer
Larry has negotiated two re-finances over the years of our great friendship. When it comes to business, there is no one most efficient, professional and accommodating than Larry. He walked me through every step of the transactions, detailing the processes and reasons behind each maneuver. I was kept informed of choices, directions to proceed and final results . ReFis can often be daunting and overwhelming. with Larry, I always feel well taken care of, even pampered. My results were positive and the procedures made easy and comfortable. Larry is the only Mortgage Broker I will ever use for future business. - he's that good at his job.
May 29, 2014
I have worked with Larry Horowitz through several mortgage deals. He has always been very professional and knowledable in his dealings. However, Larry has brought much more to the table when working with me. He has humor, intelligence, kindness and honesty, all of which mean a great deal to me. When I have had a difficult decision to make or am confused about anything to do with his area of expertise, he takes the time to explain all sides of the issue in a way that I can understand. I don't know what I would have done without his help.
May 27, 2014
My husband and I were looking for our first house together when I was 7 ½ months pregnant. Waddling around looking at houses is stressful enough hoping you’ll find one in time before the baby arrives. We were so thankful we had Larry Horowitz with Guarantee Mortgage helping us with our paperwork. He went above and beyond in making the process as seamless as possible. He even brought things up to make sure we didn’t have surprises later on. He encouraged us take a deep breath as he procured the best rate. He was a great source of help and comfort during a time that is usually very stressful. If we ever have to move, we will DEFINITELY use him again. We are so pleased with his professionalism and kindness. I’m happy to report with Larry’s help all our paperwork was ready right on time when we found our perfect house and we were able to move in on schedule and start preparing for our son’s arrival. Thank you Larry for everything you did!
Apr 7, 2014
home owner
I worked with Larry on the original financing for my condo 8 years ago and 4 subsequent refis. He has been a pleasure to work with - always respectful, expedient, thorough and intent on pursuing the best solution for me. I would highly recommend him.