Guy Rivera

Sr. Loan Consultant/Branch Manager - Santa Barbara Guarantee Mortgage NMLS #57662 / 1850 - CA BRE #01220403 / 01215943
A Santa Barbara native with 19 years of experience in real estate finance. He has made his mark in the Santa Barbara community with providing mortgage lending at its best. This is mostly due to his wide range of knowledge of the lending industry and understanding his client’s needs, specializing in complex self-employed borrowers, purchase and refinance transactions. He is consistently one of the top producers for Guarantee Mortgage since 2002, earning awards yearly for excellence in Loan Production.

Guy is a long standing member of the Chamber of Commerce, University Club and DB club and is also a proud supporter of Sarah House and Santa Barbara Boys and Girls club.

Equal Housing Opportunity
NMLS #57662 / 1850
CA BRE #01220403 / 01215943
Jan 13, 2020
Sales Director
Guy really helped my wife and I get out of a bind that Wells Fargo put us in. I am a shopper by nature and was shopping for the best rate, which was Wells Fargo. I was warned by peers of mine that the big banks can over-promise and under-deliver and that is exactly what happened. Wells Fargo missed our close date by over two weeks and tried to increase the required % down. I called Guy and he jumped on it. Within one business day we were back on track. The rate happened to improve and the % down stayed the same. Within 21 days he closed on time and helped my wife and I save our future home from escaping us. Honestly we would have lost our future home if it wasn't for Guy and his amazing team. Thank you so much Guy! I highly recommend you and your team.
Jan 8, 2020
Guy helped my wife and I purchase our first home. I chose Guy after hearing his radio show because I liked the way he explained aspects of the lending process. He is very knowledgeable and professional, has a great sense of humor and is a very nice guy. (no pun intended). I also want to thank his wonderful staff, Laurie and Hugo and everyone else involved in assisting me with the loan application process.
I recommend Guy to anyone who is thinking about buying a home and look forward to working with him again in the future. Thanks!
Dec 22, 2019
Just closed escrow and want to thank Guy and his team for doing a great job securing the loan we wanted, in the time frame we were hoping for. Excellent advice and service.
Dec 19, 2019
I've used Guy and his team for about four or five purchases and refinances over the years and honestly would not use anyone else.
Dec 5, 2019
Client
Guy and his team have helped us with financing for three loans and been amazing to work with every time. He also found us great loan terms that really met our financial and home owning needs. We will use him again and highly recommend him to everyone!
Dec 5, 2019
Chief Pilot Santa Barbara Aviation Inc.
Guy and his staff are very on point. Guy keeps us informed, guideded us through the process of financing and then later refinancing and it has been painless and efficient. I cannot recommend Guy and his staff at only 5 stars, I wish there were 6 Stars!
Dec 3, 2019
Guy has helped me and my family with both home loans and refinances several times over the last several years. Guy and his team always make the process very easy and help to relieve any stress by providing the most accurate information possible, and ensuring understanding every step of the way. I will continue to use Guy with any further lending needs.
Dec 2, 2019
Aviation
The absolute best experience ever. Guy and Laurie and Vittoria are the best! Every friend I send to them has been so happy as well. Love these people!
Nov 13, 2019
Owner
I have worked with Guy Rivera several times over the past few years. It is always a pleasure to do business with him. He will work hard to get you the best loan and always has your best interests in mind.
Nov 7, 2019
Realtor
As a top producing real estate agent, I pick my team and referral sources very carefully. Guarantee Mortgage, and in particular Guy Rivera, is the ONLY lender I recommend to my clients so when it came time for me to buy an investment property, it was a no brainer to contact my main man, Guy Rivera, for my own personal needs. As a self employed person, I already knew that getting a residential loan would be a pain in the neck but the GM team made it simple, easy and best of all, online so I could deal with it on my own time. That being said, the team was always there for me if I had questions or needs, even responding on weekends when it was important. I recommend Guy Rivera to all my clients for residential and commercial loans and have never been sorry I did so. Excellent quality and service this good and this consistent is hard to find these days in any discipline but in particular real estate and lender services. I'm proud to be a referral source and happy client of Guarantee Mortgage and Guy Rivera with his team of experts. Look no further. This is one stop shopping for all your lending needs and especially if you value personal service and a "think outside the box" attitude. This team rocks!
Nov 6, 2019
Executive Director
Great advice on best plan to fit our needs ! His staff is outstanding and completed our transaction , quick and easy. Best experiences we have had regarding real estate mortgage !
Thank You !
Oct 1, 2019
Systems Administrator
Guy accomplished my refinance goals and exceeded my expectations. Thanks Guy!
Sep 25, 2019
Just closed my second financing with Guy. It is easy working with him. He shows you all the options and will help you determine which is best for you.
Sep 24, 2019
Property Manager
Guy has put loans together for me, my family, and my business ventures since 2003. Being self employed, it is ALWAYS a challenge to get qualified. We were turned down by our bank because we didn't meet their "guidelines", even though we had investments there. Guy came through with flying colors, quickly and great rates!! He has a great staff and it's really low hassle, being able to upload most everything online!! Guy will always be our "go to Guy" when it comes to mortgage loans!!
Sep 23, 2019
Business Manager
Guy was an absolute pleasure to work with, he was there for me through many months of trying to get my legal situation resolved. My loan was never the issue and his patience through the process was so appreciated.
Sep 13, 2019
Bookkeeper
I am very happy with Guy Rivera and Guarantee Mortgage! Thank you so much for all the work and helping me keep my childhood home!
Sep 4, 2019
Guy is great! He knows his stuff and has many connections in Santa Barbara. He made the lending process easy! Thanks Guy for helping me get into my first home!
Aug 30, 2019
Guy, for as many moving parts as there are to buying a home you make it seem easy!! Always staying on top of everything and true to your word!!

Anyone who’s looking for someone top notch and above the rest, go see Guy Rivera.
Aug 23, 2019
Guy is my go to Guy! Best of the best. Thank you!
Aug 23, 2019
Captain in the Army
Guy and his whole team are true professionals from start to finish! True pleasure from contract to close throughout my entire process of purchasing my new home. Absolutely recommend them for your next loan or re-finance! Thank you again for everything.
Aug 22, 2019
Great work for a job well done!
Aug 5, 2019
Happy Client
Guy is the absolute best out there. His attention to detail and knowledge of the entire industry, inside and out, is the mark of a true professional and a true rarity when combined with his steadfast loyalty and strong work ethic. Guy is also a patriot and takes tremendous care of our Veterans, doing a VA loan with him was easy and fast.

You will not find a better lender. Thank you Guy!
Jul 17, 2019
Guy and his team were wonderful! Highly recommend!
Jul 17, 2019
Retired Human Resource executive
My son and our family trust were equal co-owners on a residential property. Recently my son and daughter-in-law requested to 'buy out' the family trust so that they held 100% ownership of residence. We initially worked with Bank of America on this endeavor which proved to be a real challenge for all involved. Their process was quite complicated and lending requirements were very difficult for a young couple trying to purchase their first home. After many, many weeks of assurances that things were moving in the right direction, BOA did not approve the loan. At the suggestion of a highly regard realtor in my area my son and daughter-in-law reached out to Guy Rivera at Guarantee Mortgage. Not only were Guy and the GM team extremely responsive they also made the process simple and straight forward. Within a few weeks time my son was approved and the transaction completed. Since that time I have decided to apply for a mortgage with Guy & GM and my experience has also been extremely positive. Having purchased several homes previously I can say without a doubt that this has been the best service and support I have experienced. Thank you Guy and the entire GM team.
Jul 11, 2019
Engineer
Guy and Laurie made it happen for us! Even with some hiccups they were on top of it and got it done.