Richard Chalifour

Residential & Commercial Loan Consultant - Townsend Office Guarantee Mortgage NMLS #349170 / 1850 - CA BRE #00915461 / 01215943
I began my career in 1986 as a Realtor then in 1992 I decided to transition into the Mortgage side of the industry.
Over the year's, I've helped hundreds of clients achieve various ownership goals:
A Families Primary Home, Vacation Properties, Commercial & Investment Properties or Downsizing the Family Home for Seniors.
My early clients taught me the art of listening.
Understanding clients wants, needs & desires enables me to fully understand their mortgage needs.
As a result, I'm able to provide them with a financial plan that fits their needs.
For me, an up, down, neutral or volatile market doesn't matter as clients always have ongoing needs & helping them is always an honor.

Equal Housing Opportunity
NMLS #349170 / 1850
CA BRE #00915461 / 01215943
Nov 11, 2021
This was my third time working with Richard to refinance my home. He is the only person I would call. I always approach a Refi with trepidation, but Richard makes the process painless. He is very knowledgeable in his field and works with a great team. I appreciate their kindness and patience.
Oct 14, 2021
Sole Proprietor
If I could give Richard and his team 10 stars, I would! Run, do no walk ,to have him help you with your mortgage needs. I am a sole proprietor and my refi was a little tricky especially due to covid affecting my business' income. I went to multiple brokers but none were able to get me over the finish line. But Richard went the extra mile and found a way to make it happen. I can't recommend him highly enough.
Jul 30, 2021
Career Coach
Richard was so great to work with through the loan process. As first time home buyers, we had no idea what to expect, and Richard was there every step of the way to explain the process, hold our hands, and advocate for us. He was not afraid to put pressure on other parties to move things along, was always mindful of the timeline, and was constantly available and responsive. Richard secured us a great rate and we are forever grateful for his help in getting us our first home. I would highly recommend working with Richard - you won't regret it.
Dec 24, 2020
I just finished refinancing the primary 🏠.
Richard did an excellent job in guiding us and looking for the best option/lower interest rate.
I personally will recommend Richard to my friends when they need to buy or refinance their house.
Nov 21, 2020
We were very fortunate to meet Richard several years ago. He is very thorough and we are very confidant in his ability to get us the best results on any of our financial needs. Richard makes you feel like you are his only client. He is always available for questions. We appreciate his dedication to his profession. His warm and personable personality is an added bonus. Very honored to recommend him.
Sep 15, 2020
Development Director
Richard works very hard to get the job done. He is relentless, gives great advice and very knowledgeable. We trusted him throughout the entire process and he saved us a couple times with giving the right advice. He is also very communicative, responds almost immediately and not afraid to put pressure on other parties to get the loan moving along. He got us a great rate and an awesome house. Highly recommend.
Dec 12, 2018
I just finished a refinance with Richard and he was awesome! Wonderful friendly personality and very knowledgeable. It is obvious from the start that Richard has vast experience and is more than willing and able to use that experience to get you the best possible results. I am self employed and have had horrible experiences with banks and loan agents in the past, but my experience with Richard was so very different. While others seemed to put up road block after road block and leave you to figure out how to maneuver around them, Richard took care of most road blocks (of which he made sure there were very few!) and kept things moving. Very fast, very easy process. He even went out of his way to meet me at my home on more than one occasion. I highly recommend!!
Oct 22, 2018
We had worked with Richard for closing our first property. We would highly recommend Richard. He is very detail oriented and is always ready to help with any questions that we had. Like he always says, for him its not a one time business that is important, its the relationship that he develops with his clients that is important. And I can definitely vouch for that. Would highly recommend Richard to anyone looking for help in mortage services.
Jan 25, 2018
Self employed
Trust worthy and professional in the field
Nov 27, 2013
Employee and Labor Relations
I have refinanced with Richard Chalifour a number of times. Richard is very patient and does a great job of explaining the intricacies of the mortgage process in plain english. He makes the whole process very painless. The result is a smooth closing every time. I would not hesitate to recommend Richard Chalifour at Guarantee Mortgage to anyone in need of mortgage services.

Oct 22, 2013
I have worked with Richard several times & would continue to do so. He is professional & kind. I have recommended friends & family & they also enjoyed his expertise & professionalism. I will continue to utilize his services in the future & would always recommend him to anyone in need. Thank you Richard for always being more than a "loan Officer" YOU ARE THE BEST!!
Sep 17, 2013
Hello. My name is Dawn Klein and I wanted to bring to your attention what an incredible staff that you have. Richard Chalifour and those who worked with him to help me re-finance my home were wonderful. The level of care and personal attention given to this nightmare of a process was far above and beyond what I have experienced anywhere else. I realize that this is your business and I should feel cared for but there was an obvious difference in the amount of time effort and personal attention that I received during this process. I am certain that I asked Richard on more that one occasion to relax it's just a re-fi, only to have him working around the clock to make this happen for me and my family. Richard is defiantly and advocate for his clients.
Thank you
Sincerely, Dawn Klein