We have helped Bay Area families finance their home purchase, with over $2 billion in loans annually, and we can help you.
Offering a wide range of mortgage products and services, Guarantee Mortgage is well prepared to meet every real estate lending need.
We have 22 years under our belt providing world-class client service. Our top priority is to make sure you are presented with all available loan options, so that you can make an informed decision, that’s right for your financial situation.
http://www.guaranteemortgage.com
Guarantee Mortgage NMLS #1850 and CAL-BRE License #01215943
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Aisling Ferguson
Loan Consultant - San Francisco, Townsend OfficeNMLS #280915 / 1850 - CA BRE #01225420 / 01215943
Orlando Diaz
Sr. Loan Advisor - San Francisco, Townsend OfficeNMLS #238849 / 1850 - CA BRE #01475255 / 01215943
Sean Maley
Loan AdvisorNMLS #237207 / 1850 - CA BRE #01057229 / 01215943
Kathy Derangi
Loan Consultant - San Francisco, Townsend OfficeNMLS #1151839 / 1850
James W. Argo
Senior Loan Officer - San Francisco, Townsend OfficeNMLS #257031 / 1850 - CA DRE #00869591 / 01215943
Alan Kirth
Sales Manager - Burlingame OfficeNMLS #238808 / 1850 - CA BRE #00848621 / 01215943
Foster Weeks
Loan Originator - San Francisco, Townsend OfficeNMLS #253370 / 1850 - CA BRE #01383598 / 01215943
Vince Breen
Vice President - San Francisco, Townsend OfficeNMLS #238661 / 1850 - CA BRE #00923758 / 01215943
Larry Horowitz
Loan Consultant - San Francisco, Townsend OfficeNMLS #239001 / 1850 - CA BRE #01003870 / 01215943
Annie Au-Yeung
Loan Consultant - San Francisco, Townsend OfficeNMLS # 291529 / 1850 - APMC CA BRE #01215943
Eric Fairfax
Branch Manager / Sr. Loan Consultant - Townsend Office S.F.NMLS #57748 / 1850 - CA BRE #01135991 / 01215943
Pov Oum
Loan Officer - San Francisco, Townsend OfficeNMLS # 1226687 / 1850 - APMC CA BRE #01215943
Kara Fiore
Loan Consultant - San Francisco, Townsend OfficeNMLS #241552 / 1850 - CA BRE #00977921 / 01215943
Gordon Friedman
Broker AssociateNMLS #248664 / 1850 - BRE #01333625 / 01215943
Joel Marks
Loan Advisor - San Francisco, Townsend OfficeNMLS: #216888/1850
Christopher Baker
Sr. Commercial & Residential Loan Officer - Townsend OfficeNMLS #294586 / 1850 - CA BRE #01117785 / 01215943
Robin Patronik
Senior Loan Officer - San Francisco, Townsend OfficeNMLS #241087 / 1850 - CA BRE #01347330 / 01215943
Julie Malta
Loan Consultant - San Mateo, Burlingame (NMLS #254124)
Marilee Breslin
Sr. Loan Consultant - Townsend Office S.F.NMLS #238468 / 1850 - CA BRE #00688844 / 01215943
Audrey Boissonou
Loan Officer-Walnut Creek OfficeNMLS # 254351 / 1850 - CA DRE #01268758 / 01215943
Tim Higbee
Sr. Mortgage Consultant - San Francisco
Kevin Casey
Loan Consultant - San Francisco, Townsend OfficeNMLS #238192 / 1850 - CA BRE #01178612 / 01215943
Bob Bednarz
Loan AdvisorNMLS # 259771 / 1850 - BRE #01109882 / 01215943
Ron Fiore
Vice President - San Francisco, Townsend OfficeNMLS #57752 / 1850 - CA BRE #01142223 / 01215943
Cecelia Tyeskey
Reverse Mortgage Specialist - San Francisco, Townsend OfficeNMLS #239861 / 1850 - CA BRE #01212004 / 01215943
Bart Welles
Loan SpecialistNMLS #281755 / 1850 - CA BRE #01167732 / 01215943
Rich Polonsky
Mortgage Loan Consultant - Townsend Office S.F.NMLS #237277 / 1850 - CA BRE #00496899 / 01215943
Scarlet Kim
Mortgage Specialist - San Francisco, Townsend OfficeNMLS #240991 / 1850 - CA BRE #01267469 / 01215943
KC Murphy
Sr. Loan Consultant - San Francisco, Townsend OfficeNMLS #255492 / 1850 - CA BRE #1007053 / 01215943
Ming Leong
Loan Consultant - San Francisco, Townsend OfficeNMLS # 252471 / 1850 - CA BRE #01369831 / 01215943
Richard Chalifour
Residential & Commercial Loan Consultant - Townsend OfficeNMLS #349170 / 1850 - CA BRE #00915461 / 01215943
Christopher Tyeskey
Senior Loan Advisor - San Francisco, Townsend OfficeNMLS #916573 / 1850
Abraham Lopez
Loan OfficerNMLS #2365548/1850 - CA BRE 01215943
Jihad "Jay" Totah
Loan Advisor - Burlingame OfficeNMLS #298898 / 1850 - CA BRE #01170254 / 01215943
Sahar Milani
Mortgage Consultant - San Francisco, Townsend OfficeNMLS #: 1521039/1850
Katie Perez
Loan Officer - San Francisco, Townsend OfficeNMLS #633672/1850 - CA DRE #01215943
Risa J. Meyer
Mortgage Specialist - San Francisco, Townsend OfficeNMLS #332214 / 1850 - CA BRE #01126851 / 01215943
Sheila Wood
Manager/Loan Consultant - San Francisco, Townsend OfficeNMLS #253742 / 1850 - CA BRE #00824166 / 01215943
Robert A Goeller III
Loan ConsultantNMLS #119842/1850
Marisa Ongbhaibulya
Senior Loan Officer - San Francisco, Townsend OfficeNMLS #278114
Brian Cassanego
Mortgage ConsultantNMLS #2002976
Bob Siefert
Senior Vice President - San Francisco, Townsend OfficeNMLS #55105 / 1850 - CA BRE #00921214 / 01215943
Angie M. Holmgren
Senior Loan OfficerNMLS #270812 / 1850 | CA BRE 01147031
Jim Arrigoni
Sr. Loan ConsultantNMLS #286481 / 1850 - CA BRE #00956125 / 01215943
Amy Lai
Loan Consultant - San Francisco, Townsend OfficeNMLS #341535 / 1850 - CA BRE #01795977 / 01215943
Victoria Bahnasy
Sr. Loan Consultant - San Francisco, Townsend OfficeNMLS #248727 / 1850 - CA BRE #00549512 / 01215943
I cannot say enough wonderful things about Eric and the exceptional service he has provided throughout the years. He has helped me through some of the most important financial milestones of my life—from purchasing my first home, to refinancing for home improvements, supporting my family’s needs, and now helping me with this new chapter as I purchase another property.
Eric is so much more than a mortgage broker; he is a trusted advisor, a true professional, and someone who genuinely cares about the people he serves. His knowledge, patience, guidance, and attention to detail have always given me confidence and peace of mind throughout every process.
I feel truly blessed to have crossed paths with Eric. His dedication, integrity, and commitment to helping others set him apart. He takes the time to listen, explain every step, and make sure his clients feel supported and valued.
Thank you, Eric, for your years of guidance, encouragement, and friendship. I highly recommend him to anyone looking for a mortgage professional who will treat you with respect, honesty, and genuine care.
May God continue to bless you with happiness, good health, and success in all that you do.
With sincere gratitude,
Betty 🙏
Eric is so much more than a mortgage broker; he is a trusted advisor, a true professional, and someone who genuinely cares about the people he serves. His knowledge, patience, guidance, and attention to detail have always given me confidence and peace of mind throughout every process.
I feel truly blessed to have crossed paths with Eric. His dedication, integrity, and commitment to helping others set him apart. He takes the time to listen, explain every step, and make sure his clients feel supported and valued.
Thank you, Eric, for your years of guidance, encouragement, and friendship. I highly recommend him to anyone looking for a mortgage professional who will treat you with respect, honesty, and genuine care.
May God continue to bless you with happiness, good health, and success in all that you do.
With sincere gratitude,
Betty 🙏
RM
Ropak McM
recommends
Ron Fiore
Aug 3, 2026
Third loan Ron has done for us, going back to a refi in 2020, so he was the first call when we started looking in Davis. We were buying before our San Francisco house sold, on a place that wasn't on the market yet, so we had to write an offer with no sale contingency. That only works if your lender is far enough along that you aren't bluffing. Ron was. We got the house at full ask. Then our sale closed early and the bridge loan we'd lined up wasn't needed. He unwound it before it funded, so we never paid the fees on it. He flagged that, not us. He also answers his phone.
HB
Bob and I used to work at the same mortgage brokerage office many years ago. If you are looking for a mortgage broker with the highest level of integrity and professionalism, I know you will enjoy your working with him.
SO
Summer O.
recommends
Joel Marks
Jul 27, 2026
Efficient and good communication.
NM
Nicholas M.
recommends
Bob Bednarz
Jul 22, 2026
You guys did a great job!
AG
Adhitya G.
recommends
Joel Marks
Jul 22, 2026
Joel is a consummate professional and his responsiveness/attention to detail while retaining the human touch was among some of the best of any person I've worked with. Would highly recommend.
AM
Abraham M.
recommends
Julie Malta
Jul 20, 2026
As soon I said let's do this she sprang into action and before you knew it I was a homeowner You Are The Best Thank You Julie
EL
Ethanluke L.
recommends
Tim Higbee
Jul 20, 2026
Tim is amazing. We’ve now done two home purchases with Tim and a re-fi. He’s communicative, friendly, and works hard to get you the best rates available. Highly recommend Tim.
JD
Jeff D.
recommends
Kathy Derangi
Jul 20, 2026
Working with Kathy was flawless. Kathy helped my partner and I close on a home in Oakland in 15 days. She was available whenever we had questions or wanted to make an offer.. Knowledgeable, responsive,. Her communication was excellent, she kept us informed every step of the way, and worked hard to secure the best financing for our needs. I highly recommend Kathy Derangi to anyone looking for a trustworthy, professional, and dedicated mortgage lender. Thank you, Kathy, for making our home purchase such a great experience!
RX
Rachel Xu
recommends
Ming Leong
Jul 18, 2026
Ming helped us get our mortgage done with clear communication and good suggestions on how to make things easier for everyone. He also made sure that we are on top of the things we need to do by giving timely reminders. 12/10 recommend 🔥🔥🔥🔥
VV
Varduhi V.
recommends
Alan Kirth
Jul 13, 2026
My wife and I highly recommend Alan Kirth for your home loan needs. Alan explained all the steps needed to get a loan and guided us through the process. There are so many choices when it comes to getting a loan, and Alan made sure we got the best one for us. Alan updated us frequently throughout the many steps, making it super easy. Alan is a complete professional and a pleasure to work with. He made us feel completely at ease. In the end, we got a great loan with no extra closing costs.
SC
Spencer C.
recommends
Ming Leong
Jul 13, 2026
Ming gave us the guidance we needed and got us through the process smoothly. We're really grateful for his help!
Stephen Vivien
recommends
Alan Kirth
Jul 9, 2026
My wife and I highly recommend Alan Kirth for your home loan needs. Alan explained all the steps needed to get a loan and guided us through the process. There are so many choices when it comes to getting a loan, and Alan made sure we got the best one for us. Alan updated us frequently throughout the many steps, making it super easy. Alan ensured all our documentation was provided to the underwriter in advance. Alan is a complete professional and a pleasure to work with. He made us feel completely at ease. In the end, we got a great loan with no extra closing costs.
CM
Christian M.
recommends
Bob Bednarz
Jul 9, 2026
Amazing! Super responsive and followed up with prompt updates. Definitely would work with Bob again.
MG
M. Gross
recommends
Aisling Ferguson
Jul 8, 2026
She was responsive, creative, and helped me get my dream house without a hitch.
YT
Yesenia Torres
recommends
Pov Oum
Jul 7, 2026
Pov you’ve been incredible throughout this entire journey! 🙏 Thank you for your dedication in helping me turn this challenging process into a reality. In the end, it was all worth the wait.
Your professionalism, patience, and attention to detail made this homeownership journey much smoother than I ever expected. I’m truly grateful for all the time and effort you invested to ensure everything went seamlessly. Thank you for making this dream come true!
Your professionalism, patience, and attention to detail made this homeownership journey much smoother than I ever expected. I’m truly grateful for all the time and effort you invested to ensure everything went seamlessly. Thank you for making this dream come true!
RL
Racelle L.
recommends
James W. Argo
Jul 1, 2026
Our loan had unique problems. Jim walked us through them all and got us the loan. Excellent communication.
JB
Jennifer B.
recommends
Angie M. Holmgren
Jun 29, 2026
Angie is very helpful and are always there to ask all questions we have. She is very proactive in following up if there are any documents that we have to submit to speed up the loan process. Thank you Angie for your assistance.
PM
Peter M.
recommends
Sean Maley
Jun 17, 2026
Sean and his team helped us with a bridge loan. We fell in love with a home and had to move quickly but hadn’t begun preparing our existing home for sale. Sean was great. He walked us through the process and explained exactly what we should expect. He listened to our needs and created a customized plan that checked the boxes we knew of and more importantly those that we were unaware of. He advocated on our behalf with the lender to cover additional costs and made sure every detail was covered. It was to be an easy deal but a couple issues regarding title complicated things. Sean was amazing at working with all parties to clear things up and keep the process moving forward. He even made sure that all issues were corrected to avoid any future concerns. He always delivered results on time. His communication was superb and most importantly we always knew he had our back. Buying and financing a home is something that people don’t do every day. Sean’s experience and professionalism made it easy. I highly recommend Sean and his team.
SH
Sean Hudson
recommends
Alan Kirth
Jun 13, 2026
We've been working with Alan for the last several months and we highly recommend him! Alan is responsive, thorough, professional and most importantly, we trusted that he was consistently working diligently upon our behalf. We are very satisfied and we will definitely be using his services in the future, thank you, thank you!
BA
Betsy Adams
recommends
Sean Maley
Jun 9, 2026
I cannot recommend Sean Maley and team enough! Sean was super attentive and quick to respond on every single thing. We even closed super early because we got everything done so fast! We have done this a few times now and have never experienced such a smooth transaction. Highly recommend!!
CO
Carl O,
recommends
Joel Marks
Jun 8, 2026
Outstanding service! Highly knowledgeable. Flexible. Accommodating. Very communicative. First rate!
HH
Hector H
recommends
Audrey Boissonou
Jun 8, 2026
Audrey and her Mortgage Team walked us through one of the most pivotal decisions of our lives. Guiding us through this process the entire way, explaining complicated factors, listening to our story and allowing us time and space to make decisions based on our family and loved ones. Thank you for treating us with such grace and patience. You have made this experience feel like we made the right move as homeowners.
AM
A M
recommends
Marisa Ongbhaibulya
Jun 8, 2026
Marisa Ongbhaibulya was an amazing loan agent. Very communicative, and kept my father and I in the loop every step of the way. She was also great at following up and checking in with us. There were often many questions we would have and she answered each and every one of them in a way that left us better educated than when we started! If you’re looking to work with an amazing agent, please consider asking for Marisa! You won’t regret it!
GR
Gary R.
recommends
Tim Higbee
May 26, 2026
We found Tim to be exceptionally knowledgeable and professional from start to finish. He was consistently available and supportive on each issue along the way.
