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
Oct 27, 2021
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.
May 18, 2021
Home owner
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!
May 4, 2021
Nobody better in the business than Larry Horowitz. Thoroughly knowledgeable, professional, and an extremely nice guy.
Mar 29, 2021
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.
Mar 26, 2021
Larry is the best in the business! If you’re looking for an outstanding mortgage broker, look no further.
Mar 9, 2021
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.
Feb 11, 2021
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.
Feb 10, 2021
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.
Feb 1, 2021
Larry was knowledgeable, patient, answered all my questions and walked me through the refi process until closing.
Jan 28, 2021
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!
Jan 22, 2021
General Manager
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.
Jan 21, 2021
Larry is detailed, professional, well- informed and easy to work with.
Jan 11, 2021
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.
Dec 23, 2020
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.
Dec 22, 2020
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!
Nov 19, 2020
Professional. Communicative. Trustworthy. Great rate. Great service.
Nov 6, 2020
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!
Oct 20, 2020
Super professional as well as personable! Great rate with limited stress!
Oct 4, 2020
Regional Manager
Larry always exceeds our expectations and I trust him completely, you will too.
Sep 30, 2020
Really enjoyed working with Larry Horowitz! He is kind and courteous and extremely detail oriented. He made my re-fi very easy for me. I would definitely recommend him to my friends and family members. He secured an excellent interest rate for me and I really appreciate his diligence.
Sep 30, 2020
Clinical Trial Manager
Larry has assisted me with a number of refinances over the years and has always provided me with excellent service, always going above and beyond expectations. Knowledgeable, congenial and educational allowed me to experience a smooth process.
Sep 23, 2020
Larry Horowitz is fantastic. This was our 4th transaction with Larry. Every time he has been super thorough , excellent at explaining things, accessible & responsive. I would give Larry 10 stars if that was an available option.
Sep 3, 2020
I had a fantastic experience with Larry, as I have always had in the past. He is highly experienced, extremely knowledgeable, very detailed oriented and super efficient. He's also kind and just a lot of fun to work with!! I highly recommend Larry and will call on him in the future.
Jul 31, 2020
Larry is friendly, thorough, and effective. It is a pleasure to work with him.
Jul 21, 2020
Larry was very easy to work with. He made the time to ensure all of our questions were answered thoroughly and promptly. I would recommend Larry without hesitation