John Joyce

Mortgage Loan Consultant - Townsend Office S.F. Guarantee Mortgage NMLS #237603 / 1850 - CA BRE #01723092 / 01215943
As one of the top 3% producers for Guarantee Mortgage, John’s primary goal is to provide the best mortgage loan financing for his clients. John’s attention to details in his research for the ideal loan product, coupled with his expansive knowledge of underwriting have led to his tremendous success in residential, commercial and construction loan production. His processing team and production assistant have a combined 40 years of lending experience. John’s team has excellent communication skills and is steadfast in providing a smooth loan process for his clients.

John is a member of the Residential Builders Association of San Francisco, President of the Shamrock Club, and Connaught Club.

Equal Housing Opportunity
NMLS #237603 / 1850
CA BRE #01723092 / 01215943
Dec 30, 2020
John and Asa have helped us numerous times with refinancing our primary residence and our multi family property. They are always so helpful in walking us through the steps and guiding us to closing. I highly recommend their team, and will not hesitate to work with them again.
Dec 21, 2020
I had a very good experience working with John Joyce and his fantastic team. Before working with John, I began my refinance process with another national company and found that experience to be frustrating. John and his team was a breath of fresh air. They provided me individual attention and were responsive to my inquiries, reassuring me along the way. Kudos to John Joyce and his fantastic team!
Dec 18, 2020
John and his team are fantastic. Perhaps the two biggest plusses about John is that he listens and that he figures out how to overcome hurdles.

After being ghosted by two other mortgage outfits, I'd about given up on being able to get a loan. John helped us to identify the issue that had scared off the prior mortgage outfits. It was a relatively easy matter to fix and, once done he and his team were able to help us qualify for a loan for a home purchase.

We'll definitely want to work with John and his team for our future loan needs.
Dec 16, 2020
John and his team are the best in the business by far. They make the whole process of getting a loan go so smoothly and put you at ease as you know you are in safe and caring hands. He is straight up and honest which is all that you can ask for. You wont regret it if you hire this team.
Dec 16, 2020
It was great to work with John and Asa. A very professional and efficient team. Thanks for the great job, I look forward to working with you again in the future.
Dec 11, 2020
John and his team assisted us on a purchase loan. They always responded back to our emails and phone calls in timely manner. They were professional and transparent throughout the whole process. It was a pleasure doing business with them and will be doing business with them again. I have confidence in recommending John and his team to other friends and family.
Dec 11, 2020
Property Space Manager at San Francisco International Airport
John Joyce, Asa and his team are an incredible team to work with! My husband and I worked with of John Joyce on our home refinance needs. John and his team are dependable, accoutable, and very supportive along the way. John Joyce's constant communication, support and leadership actions were expressed and exemplified to both my hsband, Ron and myself all the way through. I fully support and recommend Guarantee Mortgage with John Joyce. Five out of five stars... Thank you for your great service and customer care! Happy Holiday to you and your great team !!! Viviana & Ron Soper
Dec 9, 2020
John, Asa and their whole team are the best!!! Our refinance process was so easy and smooth. We knew that we could trust them to get the best mortgage for us and they delivered. Thank you so much!!!
Dec 3, 2020
I had a great experience with John and his team. They are super nice, explained everything, and made this crazy process go smoothly.
Nov 10, 2020
John, Asa and team made refinancing our home smooth and seamless. Have done this before and it is always a pleasure working with them. Professional, prompt and experienced!
Oct 16, 2020
John and his team were fabulous. They made the whole process of a refinance so easy. Great communication from them at all times and so helpful. Even with Covid restrictions in place the whole transaction went smoothly.
Oct 16, 2020
Senior Paralegal
I would highly recommend John! John was very patient with all of my questions and explained everything very respectfully and clearly. Both John and Asa are easy to work with, responded quickly, and kept us informed every step of the way.
Oct 7, 2020
John is a great communicator, very easy to talk to, always returns calls promptly and gives you the attention needed to understand the process. He has a wealth of knowledge in the industry & rates are as accurate as his initial statements. Refinanced multiple property's for me at the same time with great rates and helped me pull out cash to reinvest. A no nonsense guy who I will definitely return to in the very near future.
Sep 23, 2020
John and his team have helped us a couple of times and each time they have been remarkable.
Sep 6, 2020
Home qwner
I used John's services before . He and his team always handled everything in timely manner . Phone calls and e-mails we always answered promptly . Thanks for the great service Mike Barden
Aug 11, 2020
John has been fabulous - making magic happen in challenging situations. Highly recommend him!
Aug 4, 2020
Asa and John made this refinance so easy and simple! I really appreciate the quick response to my questions and making every step simple and clear.
Jul 31, 2020
John is the best! Always helpful and responds very quickly with any needs...highly recommended!
Jun 25, 2020
Terry, John and Asa were extremely professional and responded to any questions that we had immediately! I would highly recommend! Awesome team!
Jun 17, 2020
As a first time home buyer, I would highly recommend John and Asa. They were an incredible team who made the entire process smooth and timely . We were informed every step of the way and even were able to close on the house early. Big Thanks to this great team.
Jun 10, 2020
Both John and Asa were fantastic. I’m a first time home buyer and these guys made the process so easy for us. I will definitely be working with them in the future..
Jun 10, 2020
Attorney at Law
John and his team are knowledgeable, efficient and responsive. I would recommend them to anyone wanting to finance or refinance a mortgage.
Jun 4, 2020
Business owner
When I think of John and team all I can think is, WOW! From the moment I started the process with him until the final day of closing I felt taken care of. John was there for me every time something was needed or needed to be answered. The customer service from my credit union was sub par to say the least. After I worked with John, I would never work with my own bank again. I seriously cannot give enough kudos and praise to this team. I would recommend John Joyce in a heartbeat to anybody looking for a home loan.
May 29, 2020
John and Asa are an amazing team, very communicative, efficient, and thorough. This is my second time working with them (mortgage + re-finance), and it's great to be able to rely on them to run a smooth process from start to finish. Thank you John and Asa!
May 21, 2020
House Owner
It was pretty smooth and good. They required a lot more documents for verification purposes due to COVID19. Some of those could have been avoided but overall very thorough and good person to work with