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
About Me
Loan Consultant - San Francisco, Townsend Office
Guarantee Mortgage
NMLS #239001 / 1850 - CA BRE #01003870 / 01215943
BP
I just had another great experience getting a loan thru Larry Horowitz.
I’ve lost track of how many loans Larry has processed for me over the past 30 years. His background is in finance and accounting, but his passion is mortgage lending. I can speak to his character after 30 years of friendship, and I have never known a more honest person. That is an important quality in anyone, in any profession, but it’s especially important when dealing with large sums of money. I always know that Larry is looking out for my best interest.
Buying or refinancing a home is a very stressful event. Larry is calm and focused and very transparent. I always know what to expect before it happens. This is routine for him, but it’s not an every day event for most of us.
There are many mortgage brokers to choose from, and I’m sure most are somewhat cost competitive with Larry’s company, but I doubt they all have Larry's honesty, integrity and character. I've always been happy with the service I get thru Larry and I'm sure that you will be too.
I highly recommend Larry Horowitz and Guarantee Mortgage
I’ve lost track of how many loans Larry has processed for me over the past 30 years. His background is in finance and accounting, but his passion is mortgage lending. I can speak to his character after 30 years of friendship, and I have never known a more honest person. That is an important quality in anyone, in any profession, but it’s especially important when dealing with large sums of money. I always know that Larry is looking out for my best interest.
Buying or refinancing a home is a very stressful event. Larry is calm and focused and very transparent. I always know what to expect before it happens. This is routine for him, but it’s not an every day event for most of us.
There are many mortgage brokers to choose from, and I’m sure most are somewhat cost competitive with Larry’s company, but I doubt they all have Larry's honesty, integrity and character. I've always been happy with the service I get thru Larry and I'm sure that you will be too.
I highly recommend Larry Horowitz and Guarantee Mortgage
JF
Larry negotiated a tricky second mortgage on a rental property while I was out of the country for most of the transaction. Always willing to go the extra mile, Larry receives my unqualified recommendation,
WP
I have known Larry personally for over 30 years and he has helped me with mortgages on numerous properties. I have obtained mortgages for purchase as well as refi and cash out refi's. Larry always find the best option for whatever my needs are at that time. Sometimes my investment horizon is short term, sometimes longer, and not all mortgages are the same. Larry's expertise and professionalism have always served me well. He's smart, honest, and I trust him.
I'd never apply for a mortgage without Larry. I highly recommend him and his company. I've always been impressed.
I'd never apply for a mortgage without Larry. I highly recommend him and his company. I've always been impressed.
JE
Our fifth loan with Larry. He makes it all seem easy.
FG
Larry Horowitz is an exceptional loan consultant. I have worked with him for over 20 years and with each transaction he communicates clearly what is needed and ensures the process goes smoothly. Larry is always positive and professional. I know that I will get the best loan for me when I work with Larry.
SM
This might be my 5th refi with Larry, and it's always seamless, efficient and professional.
BS
Larry is always amazing to work with. He's been my loan consultant for 20+ years and always finds the loan instrument that best suits my needs. Larry cares about his clients, is an excellent communicator and knows everything there is to know about loans. I strongly recommend Larry to anyone who's looking for a mortgage or to refinance.
LH
I have worked with Larry Horowitz professionally as a mortgage timer over 5 times. Each time Larry made the experience flawless and first rate. He knows his stuff snd is there all thru the process to answer questions and make it happen. HE IS THE BEST!
SM
Nobody better in the business than Larry Horowitz. Thoroughly knowledgeable, professional, and an extremely nice guy.
DM
We have been working with Larry for years and have done several loans with him. We have also referred him to others. The reason is that he is trustworthy, knowledgeable, conscientious, extremely helpful, and an all around good person. He is the first and only person we contact regarding any real estate loan.
KB
Larry is the best in the business! If you’re looking for an outstanding mortgage broker, look no further.
PJ
Larry has helped me through at least 5 refinances. Each time, he has made it as easy for me as he possibly could. He is attentive and available and kind. This last refi is case in point. I got through it with hardly any pain (I hate paperwork). Larry is simply top notch.
PB
Larry is simply the best, I have worked with Larry through a couple of refinancing loans and every time I am amazed by his first rate service and depth of knowledge. If you choose Larry, you are in good hands.
GW
Larry is the best. He made a tedious and frustrating process almost enjoyable. Larry was always on top of things and very communicative throughout. We would highly recommend Larry to anyone seeking a mortgage. My wife and I are very grateful.
KD
Larry was knowledgeable, patient, answered all my questions and walked me through the refi process until closing.
PD
We had another fantastic experience with Larry and I won’t go anywhere else for my loan needs. Larry is very knowledgeable, easy to work with and an excellent communicator. He is friendly too!
DH
Larry delivers both world-class customer service and financial acumen. He made the process very easy, is an excellent communicator, and is fully knowledgeable about the markets and how to find the best deal to suit his customer. I can’t recommend him highly enough.
CT
Larry is detailed, professional, well- informed and easy to work with.
JE
As always, Larry managed our latest refi with prompt action and great attention to detail. We'll certainly go back to him when the need arises, as we have for 20 years.
CS
As a first time home buyer in San Francisco, I had many many questions going into my purchase and Larry (recommended by a friend) was absolutely first rate all the way: Incredibly detail-oriented, analytical, communicative, and very responsive. He is patient, thoughtful, and above all else, proactive! I would highly recommend him to anyone and plan on continuing to leverage Larry in future transactions.
KP
For over twenty years, we've been coming back to Larry for all our mortgage financing needs. We know Larry is paying attention to every detail and he is looking out for our best interests throughout the process. He's the best!
BS
Professional. Communicative. Trustworthy. Great rate. Great service.
JS
Larry is a pleasure to work with! He's the definition of excellent customer service. He guided me through the process every step of the way providing detailed information and thoroughly answered my questions. He made himself available and I never felt like I was bothering him. I highly recommend Larry!
RH
Super professional as well as personable! Great rate with limited stress!
RN
Larry always exceeds our expectations and I trust him completely, you will too.
