Christopher Baker

Sr. Commercial & Residential Loan Officer - Townsend Office Guarantee Mortgage NMLS #294586 / 1850 - CA BRE #01117785 / 01215943
About Chris:

Chris is known as a positive mortgage lending professional, with a "Can Do" attitude. He offers you all of the following qualifications and more!

A True COMMERCIAL, as well as RESIDENTIAL, mortgage expert!

Twenty Five years of Mortgage Lending Experience.
MBA degree in Finance, Golden Gate University, San Francisco, CA (1989)
Represents over 200 lending institutions to provide you with the best rate.
Works with many of the Bay Area's top Real Estate Agents, from San Francisco, to San Jose, and beyond.


Senior Commercial & Residential Loan Officer
Guarantee Mortgage, A Division of American Pacific Mortgage
232 Townsend Street San Francisco, CA 94107
Direct: 650-403-1608 | Office: 650.212.5050 | eFax: 650-403-4136

Equal Housing Opportunity
NMLS #294586 / 1850
CA BRE #01117785 / 01215943
Dec 21, 2021
LCSW, Mental Health Youth Supervisor
I have worked with Chris over the years and he always seizes to amaze me and my family. We Know that we can trust him and he will work really hard to get us the best rates available. Chris goes above and beyond for his clients, always willing and available to answer any questions even on weekends. He is always provides the best guidance.
Sep 30, 2021
Chris is very knowledgeable and always gets the job done!
Jul 30, 2021
Professional, knowledgeable, experienced!
Feb 7, 2021
I had a good feeling about working with Chris when I first approached him regarding a rental property refinance. He was very direct on the phone and we almost immediately went into a detailed discussion in which he explained to me the steps, requirements and complexities involved in applying for one. Since then, I also found him very knowledgeable and competent at what he does.
Feb 5, 2021
Chris recently helped my sister with a complicated refinance of her investment property. I assisted by submitting all the necessary documentation online, and dealt with him on this transaction. Chris was so nice to work with as he was very patient with our questions and explained everything thoroughly. He was very responsive and also very solution-oriented. We really appreciated his help and highly recommend him!
Jan 22, 2021
Chris is the most dedicated, diligent professional, we have had the pleasure of working with. In 2012 Chris helped my husband and myself with a refi which was quite challenging due to our circumstances. With Chris's professionalism, knowledge and determination, he peeled back the layers of obstacles in obtaining our refi for us. As 100% satisfied clients, we knew there was only one person to ever handle another mortgage transaction for us.
With the low interest rates we decided to refi again. Although COVID brought on some hurtles, Chris's drive and work ethic did not disappoint. For us the process was seamless. We definitely recommend Chris as the "Best" mortgage professional.
Aug 13, 2020
Years of experience, straight answers, trustworthy and gets the job done.
Aug 4, 2020
As always, Chris is invaluable to the loan process. From start to finish, his personal approach and thoroughness make the process seamless.
Jul 12, 2020
Chris made it possible for me to purchase my new dream home! My transaction was somewhat complicated and I was somewhat nervous about the timing of everything. Chris responded very quickly to every email I sent to him. I had many questions and he was always more than happy to answer them. Chris was always very kind and extremely professional. I highly recommend Chris Baker!

Thank you Chris for making this all possible for me! If I could do ten stars I would!
Jul 2, 2020
Chris is just the best! I highly recommend him to anyone, I've worked with him on 5 mortgage loans (every time, either buying a house or refinancing) - I would never work with anyone else, he is patient, thorough, meticulous, and he truly does work for us and not the bank. It's a bonus that he also happens to be a really nice guy.
Jan 22, 2020
I worked with Chris to purchase my first home in 2017. He did a wonderful job explaining and walking me through the entire process, which made my experience much less stressful as a first time home buyer. Recently I worked with Chris ,for the second time, purchasing a new primary residence while maintaining the home I purchased in 2017. When buying a new residence with an existing home the loan process can be very challenging. Throughout the process Chris continuously kept open lines of communication and explained each challenge we faced in an attempt to keep worry and stress to a minimum. Even when I became extremely overwhelmed Chris remained professional and carried the process through to close my loan.
Jan 8, 2020
Chris handled my most recent re-finance as well as the one before that. Even for the most qualified applicants, the lending bank will make the loan process quite difficult. It is so important to have a broker that is knowledgeable about the processes and has good working relationships with the lenders. Chris has taken excellent care of my needs and is ALWAYS available to answer my questions or address my concerns. I appreciate everything he has done for me, Chris is a true professional.
Nov 21, 2019
I have worked with Chris over the years and he always seizes to amaze me. I know i can trust him and he will work really hard to get us the best rates available. Chris goes above and beyond for his clients, always willing and available to answer any questions. He is always patient and provides the best guidance. Highly recommend him!
Nov 5, 2019
I’ve used Chris many times over 20+ years. I’ve referred clients to him as well. Chris is excellent at his job. He is incredibly knowledgeable and really helps his clients through the sometimes complicated process of getting a loan. Simply the best!
May 24, 2019
I have worked with Chris several times over the years and he is the very best. The difference between Chris and the other mortgage brokers is the simple fact that Chris does what he promises. Regardless of how difficult and or how long it itakes, Chris is right there working for you. He also has a terrific staff that are always available. Last, Chris really understands and knows his products. You can't go wrong with Christopher Baker. Thomas Hyman
Jan 2, 2019
Senior Engagement Specialist
Chris Baker was awesome to work with! He was able to guide us through the rigorous qualification process able to get us into our home!

We had a few obstacles along the process and Chris kept us informed, was thorough, and was able to get us a loan and interest rate that fit our budget. Our transaction moved along smoothly and we met our aggressive timeline. He worked through the holiday to ensure our loan was complete and closed in 25 days! Thanks Chris for all your hard work. I would definitely would work with Chris again and highly recommend him!
Dec 13, 2018
Government Worker
Chris was able to get me through a very difficult re-financing. I had credit issues in the past and had a private lender that was hard to contact to determine the pay off.
Chris kept me informed throughout the process and assisted me in acquiring the necessary documentation.
I would recommend Chris due to his knowledge, work ethic , and his motto regarding working for you and not the lender is for real.
Oct 9, 2018
I've worked with many lenders before, none come nearly as good as Chris. He's professional, knowledgeable, courteous, patient, resourceful, available, and genuinely wants to help you to make it work. I would highly recommend him to anyone!
Oct 7, 2018
real estate broker
Chris is very knowledgeable, thorough, and professional. One of the best mortgage brokers I've worked with. Highly recommend!
Sep 9, 2018
Napa and San Francisco Peninsula Homeowners
We have depended on Chris for many years to get us the best home financing available. He always performs. He is extremely knowledgeable, and we also enjoy his pleasant demeanor.

I highly recommend Chris, without reservation.

Madeline and Manuel Martinez
Aug 31, 2018
I have used Chris for at least 5 refinances. Every time it gets smoother even though the obscene rules get worse. Chris is the consummate broker. He is knowledgeable, patient, available, great at handholding and on top of things 24/7. I highly recommend him.
Aug 21, 2018
Entrepreneur Duo
When we bought our 1st home 10 years ago, it was both exciting & overwhelming. Chris's positive attitude & ability to find the right loan product made our dreams of homeownership a reality. Two re-fis later, Chris is still passionate in finding the right options for our current needs by keeping us up to date with upcoming products. We highly recommend Chris to those looking for a dedicated & motivated loan officer for your special needs.
Apr 6, 2018
Finance Operations Supervisor
Chris Baker pulled off what other mortgage brokers were not able to do.
His thoroughness, motivation, positive "can-do" attitude and drive achieved completing an escrow in 18 days! This was a smooth transaction and he took the lead in making sure everything was handled. He allowed me a stress-free purchase and even worked off-hours to ensure my loan was complete and accurate.

If you want someone that knows the mortgage business, is dedicated to a start to finish completion process, finds the best mortgage deal for your needs, and works for you 24/7, then look no further, because Chris is the person you should hire!
Apr 6, 2018
1st Time Home Buyer
Chris was great! He is a hard worker,his dedication and knowledge was both helpful and inspiring. I could tell he had my best interest at hand. If we had a question or concern he was always available. As scary as buying our first home was, Chris definitely helped make this dream a reality with very little heartburn!
Apr 6, 2018
New Home Purchase
Chris Baker's hard work and dedication made our dream of owning a home come true and we will be forever grateful. We highly recommend Chris Baker for your mortgage finance needs!