Rich Polonsky

Mortgage Loan Consultant - Townsend Office S.F. Guarantee Mortgage NMLS #237277 / 1850 - CA BRE #00496899 / 01215943
Rich works for you, not the bank…Specializing in setting up the entire loan process up front with minimal to no surprises, Rich will be in constant contact with you from start to finish so you will always know where you are within the loan process.. Rich is a straight forward and diligent loan consultant, he will let you know your options and work with you to find a solution.
Because Rich has an extensive background and understanding of today’s underwriting standards, he prides himself on closing his refinances and purchase transactions successfully and on time. With over 20 years of helping individuals obtain mortgages, Rich does not just close deals, he works with people.

Equal Housing Opportunity
NMLS #237277 / 1850
CA BRE #00496899 / 01215943
Jun 28, 2024
Rich was incredibly communicative and went above and beyond to make sure my husband and I understood every step of the process. He set expectations clearly, was very responsive and we felt very comfortable and confident in our home buying process. As first time home owners, we couldn't have asked for better support.
Jan 25, 2022
Rich has helped us with several transactions, and fantastic. He is incredibly skilled and knowledgable, super responsive, and thoughtful about the best way to be helpful and make big events in his clients lives a little easier. As an added bonus, Rich is a delightful guy, and great fun to work with. We learned a ton and had a good time doing it, and got great results. Highly recommend!
Apr 20, 2020
Richard provided professionalism and guided me expeditiously through the loan process.
Jul 22, 2019
Such a pleasure. I was guided through each step. Communication was superb! A gentleman and a delight.
Jul 9, 2019
Rich Polonsky was amazing throughout the entire process. Before the formal process of getting approved for the loan started, Rich explained every step and fee/cost to us so we would be as comfortable as possible. When it came time to get approved, there were no surprises because he did such a great job explaining everything to us and making sure we were prepared. There was never a time we felt like we were bothering him. Regardless of if it was morning, day, or night he was happy to help. Buying a home is stressful and having Rich on our team mitigated much of that stress. I would never work with anyone but Rich.
Dec 20, 2018
Rich Polonsky is amazing. I have lost count of how many mortgages he has done for us over the last 20 years. The process is by nature a pain. But Rich is expert and anticipating and navigating the things that can slow it down or make it frustrating. Our borrower profiles are non-cookie-cutter – we are self-employed entrepreneurs. Some of our properties have been non-standard also. Rich has always taken our borrowing curve-balls and knocked them out of the park. And his personal motto, “I work for you, not the bank” rings true every step of the way. I recommend Rich to anyone looking to finance or refinance their property.
Feb 27, 2018
Casey P
Rich Polonsky is amazing. My girlfriend and I had a poor experience with a prior loan person before we went to Rich. He was professional, helpful, responsive and knew exactly what he was talking about. We had a few hurdles with the seller in the escrow process but thankfully Rich was there every step of the way to help and make the escrow process go smooth. I don’t think we would have made it through the home buying process or would’ve made it into our home without Rich there to help. I could not say enough about what Rich did for us.
Nov 13, 2014
Couldn't say enough good things about Rich Polonsky. For one, he is extremely knowledgeable in his field of work. Reliable, professional and commendable. We've run the whole marathon of finding the perfect match to help us purchase our dream home and we simply found it in him. We couldn't be any happier. Anytime someone cares about your purpose beyond closing a deal, it is truly worth giving it a shot.
Nov 5, 2014
Rich was the most helpful person we have ever dealt with. Our refinance was over and done with in 3 weeks. He filled out all the paperwork and guided us through any little obstacle immediately. We will recommend him to anyone we know that needs a loan. We got to know him professionally but also became friends. He is the best!!!!!
Nov 4, 2014
Rich Polonsky has helped us several times throughout the past 15 years. He is professional, knowledgable and incredibly efficient. He makes complicated transactions happen with ease and provides the utmost confidence for his clients.
Dec 15, 2013
Rich Polonsky is the absolute best & I can't recommend him more highly! He was always informative by contacting us when refi rates were low, but never did we feel pressured to go forth when timing wasn't right for us. He was extremely knowledgeable about getting loan approvals so would always be one step ahead by requesting only relevant information that would expedite & make our application as painless as possible. He was always respectful of our goals and always sensitive to work according to our agenda, not his. As a person, he was great to work and communicate with - always friendly, personable & sincere.

Rich helped us secure the loan on our house back in 1998, and we have since refinanced with him at least 2-3 times. Rich made an otherwise stressful process much more pleasurable. I have and will continue to refer him to the closest of family, friends and whomever needs an honest, kind, knowledgeable & utmost professional in the mortgage lending business.
Nov 13, 2013
Software Sales Executive
Rich was an incredible person to work with. His attention to detail and proactivity is second to none and I am so appreciative that we had the opportunity to work with him in financing our first home! While the stress of buying a home is high, Rich was constantly on an even-keel and allowed us to have no concerns about our first purchase. I highly recommend Rich and am so glad that he provided us with the knowledge and facts to help us make our decisions intelligently.
Nov 3, 2013
My wife and I met Rich over 10 years ago when he was providing a seminar on understanding home loans. He was incredibly knowledgeable and seemed like someone we would want to work with when we were ready to buy or first home. We kept his information and a couple of years later we contacted him to secure our first loan. Rich was wonderful. He made the experience as smooth as possible and answered a long list of questions (He was very patient with a nervous Michelle and was able to make her feel comfortable through the intimidating process of buying a first home!). We felt very good where we landed when we finished the process. And Rich provided a very complete book of the information/documentation of our loan and new home. Since that first loan, we have worked with Rich on another home purchase and three refinances. We also have referred him to anyone we know who needs a mortgage loan consultant. We've had siblings and friends use Rich and they too have been extremely satisfied with Rich and how he worked for them.

We consider Rich a trusted consultant and friend. You won't have a better experience!
Oct 30, 2013
Home owners
I would like to say that Rich made the refinance for my wife and I as easy as it could get. We had an extremely stressful and failed refinance attempt with a previous broker that went on for six or seven months and made us shutter at the thought of trying to refinance again. Rich was able to refinance a super jumbo in two months with nothing more than a wave of a magic wand it seemed. It was effortless, and painless and most of all for a couple who both work 50 plus hours a week it was well executed.
Oct 28, 2013
Medical Office Manager
Rich Polonsky is fabulous with knowing the ins and outs of the refinancing/mortgage world. He is professional, friendly and really cares about you and your financial situation. I highly recommend him to help with either a new mortgage or a refinance of a current mortgage.
Oct 26, 2013
Rich Polonsky did a phenomenal job in helping me buy my condo despite some daunting challenges, and all in a expeditious and professional manner. He was not only efficient, but also extremely patient and courteous during the whole process.

I will definitely utilize his services in the future, and heartily recommend him to all who need an expert in the lending business.

John Leland Cell 650-888-0125
Oct 24, 2013
Realtor Coldwell Banker Burlingame
I'm very impressed wtih Rich. He has integrity and always does what's best for his clients, not himself. Rich spends the time needed to educate the buyers so they feel informed and up to date with the latest loan products on the market.

Rich also has a great sense of humor which helps when you are talking about investing in one of the most expensive purchases of your lifetime. It can be very stressful, but he helps make the transaction more enjoyable.

Lastly, I know I can trust Rich, and that's what matters most to me. When I refer Rich to a potential buyer or home owner looking to refinance, I never haver to question if he will do the right thing. He always does.

Oct 24, 2013
First time home owner
When it came to financing my home purchase, I was naturally inclined to go with a big-name institution that deals in volume, thinking I'd get the best rates. While the rates available were great, the complex situation of my specific home purchase required more experience and hands-on attention than my original mortgage broker was capable of providing. I attempted to be proactive and drive solutions to the issues I was encountering, but quickly understood that I needed a more experienced broker who deals with clients on a much more personal level. My real estate agent recommended Rich Polonsky from her past experiences working with him, so I emailed Rich explaining the situation. Rich quickly took charge, understanding exactly what had to be done to close this complicated purchase with no additional hiccups. His experience with different lenders enabled him to find me even better rates than I was previously offered. He spelled out clearly what had to be done, what I had to provide, the timeline to closing and every single cost involved. He sat down with me and page by page guided me through the paperwork, explaining the purpose of every document. Rich's professionalism, dedication, experience, and proactive attitude went above and beyond expectations, taking my stressful experience with the previous broker and turning it by 180 degrees. I had a smooth path to closing, a broker that was very easy to work with, and the keys to my first house. I couldn't have asked for any more. I can only hope that Rich is still available for my next purchase!
Oct 24, 2013
Rich Polonsky has been a wonderful help since the first time we bought a house, for each refinance and through every question we have ever had over the past 12 years.
He helped my brother buy a place years ago and has now remained a close friend.
Rich is honest, caring and 100% professional.
Oct 24, 2013
Keller Williams Peninsula Estates, Realtor
Rich is very knowledgeable, professional, patient and pays attention to detail. These qualities are very important in today's mortgage industry in order to meet the demands of the competitive real estate market. Rich has worked with many of my clients with great success. My clients are always enriched after working with him. I will continue to recommend him in the future.
Oct 24, 2013
If you are looking to get a mortgage or refinance, Rich Polonsky ROCKS!

Over the past 20 years, Rich has helped me get multiple loans. He is professional, knowledgeable, honest, hard working, and efficient. What more can you ask for.

I would rate Rich in the highest possible way and can recommend him without reservation.
Oct 24, 2013
Rich is a joy to work with! If anyone can both uncomplicate the process AND get you the best terms, that's Rich. He's ethical, helpful, clear and supportive.
We have used his services twice and have been totally satisfied both times. We cannot recommend Rich highly enough.

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