Business Details
23 Years
experience
Your Trusted Mortgage Partner in California
For over two decades, Guarantee Mortgage has been a trusted partner for California families navigating the complexities of real estate financing. As a mortgage banker and broker, we combine direct lending capabilities with access to multiple loan options, ensuring clients receive tailored solutions that align with their financial goals. Our commitment to transparency is unwaveringwe disclose rates and closing costs upfront, avoiding bait-and-switch tactics. With a consultative approach, we prioritize understanding clients' short- and long-term objectives, educating them on available options while advocating for informed decisions.Our expertise extends to complex scenarios, where traditional lenders may falter, and we pride ourselves on timely transactions in competitive markets. Backed by a team of seasoned professionals across 10 California offices, we blend local market knowledge with national lending resources to deliver exceptional service.
Services
Home Loans
Refinance
Reverse Mortgages
Mortgage Rates
Loan Calculators
Details
- Year established: 2003
Highlights and features
- 20+ years of California mortgage expertise
- Transparent pricing with no hidden fees
- Consultative approach to personalized solutions
- Access to 100s of loan options nationwide
- Fast loan processing in competitive markets
Associations and certifications
- NMLS Consumer Access
- California Department of Real Estate (CA DRE #01215943)
- Colorado Division of Real Estate
What people say
Amazing lender
Smooth process
Excellent communication
Expert guidance
Timely closings
Services
Home Loans
We offer comprehensive home loan solutions including fixed-rate, adjustable-rate, FHA, VA, and jumbo loans. Our advisors help first-time buyers and investors secure financing tailored to their unique financial profiles. With access to multiple lenders, we ensure competitive rates and flexible terms for primary residences, vacation homes, and investment properties.
Refinance
Our refinance options help homeowners lower monthly payments, eliminate PMI, or access home equity. We specialize in cash-out refinancing, no-closing-cost options, and streamline processes for qualified borrowers. Our team analyzes current market conditions to determine optimal timing for refinancing.
Reverse Mortgages
We provide FHA-insured reverse mortgages for homeowners aged 62+. These loans allow seniors to convert home equity into tax-free income while maintaining home ownership. Our specialists explain eligibility requirements, payment options, and implications for heirs.
Mortgage Consultation
Our advisors offer personalized mortgage consultations covering prequalification, loan program comparisons, and financial impact analysis. We educate clients on credit requirements, down payment options, and documentation needed for approval.
Loan Calculators
We provide interactive mortgage calculators to estimate payments, compare loan terms, and analyze refinancing benefits. These tools help clients understand affordability, interest rate impacts, and long-term financial implications of different mortgage scenarios.
People
Sean Maley
Loan Advisor
With 15+ years in mortgage lending, Sean specializes in complex transactions and first-time homebuyer programs. He maintains 24/7 availability and has closed loans in under 21 days.
Bob Bednarz
Loan Officer
Expert in navigating multi-lender transactions, Bob has over a decade of experience guiding clients through challenging purchase and refinance scenarios with clear communication.
Pov Oum
Loan Officer
Specializing in first-time homebuyer education, Pov provides step-by-step guidance through the mortgage process while maintaining 98% client satisfaction ratings.
Alan Kirth
Sales Manager
With 20 years in commercial and residential lending, Alan excels at structuring complex financing solutions and connecting investors with appropriate loan products.
Eric Fairfax
Branch Manager
Leading our San Francisco office, Eric combines technical expertise with personalized service, specializing in helping tech professionals navigate unique income documentation requirements.
Questions
What mortgage loan types do you offer?
We offer fixed-rate, adjustable-rate, FHA, VA, jumbo, interest-only, and reverse mortgages. Our advisors help determine which loan type best fits your financial situation.
How does the mortgage application process work?
Start with prequalification, then submit documentation for preapproval. Our advisors guide you through rate selection, underwriting, and closing coordination.
Can I refinance with bad credit?
We evaluate each case individually. While better credit scores improve terms, we offer options for credit improvement and work with specialized lenders.
What are your current mortgage rates?
Rates update daily. Contact us for personalized rate quotes based on your specific loan program, credit profile, and market conditions.
How long does mortgage approval take?
Preapproval typically takes 1-3 days. Full approval with underwriting usually requires 21-30 days, though we've closed loans in as few as 15 days.
Do you offer no-closing-cost refinancing?
Yes, we provide no-closing-cost options where fees are incorporated into the loan balance or covered through slightly higher interest rates.
