Guarantee Mortgage

Business Details

Your Trusted Mortgage Partner in California

Guarantee Mortgage has been a trusted partner for California families seeking home financing solutions for over two decades. Our expertise spans a comprehensive range of mortgage products, including home loans, refinancing, and reverse mortgages, tailored to meet diverse financial needs. We prioritize transparency, offering competitive rates and personalized guidance to ensure informed decision-making. With a team of seasoned loan advisors, we streamline the mortgage process, combining superior loan processing times with a commitment to client education.

Our reputation is built on a foundation of integrity, demonstrated through our adherence to regulatory standards and a client-centric approach that emphasizes long-term relationships over transactional interactions. By maintaining a deep understanding of market dynamics and lending criteria, we empower clients to navigate complex real estate transactions with confidence.

Services

Home Loans Refinancing Reverse Mortgages FHA Loans VA Loans Jumbo Loans Adjustable Rate Mortgages Fixed-Rate Mortgages Mortgage Consulting Loan Processing

Highlights and features

We offer 20+ years of mortgage expertise tailored to California's competitive market.
Our team provides access to multiple loan options from top lenders nationwide.
Competitive rates and transparent fee structures ensure cost-effective solutions.
Dedicated loan advisors streamline the mortgage process with personalized support.
Proven track record of closing complex transactions efficiently and reliably.

What people say

Knowledgeable staff Smooth process Competitive rates Timely communication Personalized support

Website

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Services

Home Loans

We provide customized home loan solutions for first-time buyers and seasoned investors. Our advisors analyze your financial profile to recommend fixed or adjustable-rate mortgages that align with long-term goals. With access to multiple lenders, we secure competitive rates while simplifying documentation and underwriting processes to ensure timely closings.

Refinancing

Our refinancing options help homeowners reduce monthly payments, eliminate PMI, or access equity. We evaluate current mortgage terms against market conditions to create strategies that improve financial flexibility. Specialized programs include cash-out refinancing and no-closing-cost options tailored to individual circumstances.

Reverse Mortgages

Designed for homeowners aged 62+, reverse mortgages convert home equity into tax-free funds. We guide clients through HUD-approved programs, explaining payment structures and long-term implications. Our counselors ensure this solution aligns with retirement plans while maintaining compliance with federal regulations.

FHA Loans

FHA-insured mortgages offer low down payments and flexible credit requirements. We specialize in helping first-time buyers qualify through detailed pre-approval processes and lender comparisons. Our team navigates FHA guidelines to minimize delays while maximizing loan-to-value ratios for optimal affordability.

VA Loans

We support military members and veterans through VA loan programs featuring zero down payments and reduced fees. Our certified specialists handle service-specific documentation, including Certificate of Eligibility verification, to expedite approvals while ensuring compliance with Department of Veterans Affairs standards.

People

Pov Oum

Loan Officer

Pov Oum specializes in residential mortgages with a focus on first-time homebuyers. She maintains NMLS #252471 and California BRE #01369831, delivering personalized service through clear communication and thorough process explanations.

Eric Fairfax

Branch Manager

As a senior loan consultant, Eric Fairfax (NMLS #57748) combines 15+ years of experience with deep knowledge of California's real estate market, consistently delivering tailored financing solutions for complex transactions.

Joel Marks

Loan Advisor

Joel Marks (NMLS #216888) specializes in no-fee mortgage strategies, leveraging 18 years of experience to help clients achieve favorable rates through transparent, jargon-free consultations and efficient loan processing.

Sean Maley

Loan Advisor

Sean Maley (NMLS #237207) serves Corte Madera clients with expertise in challenging real estate transactions, maintaining California BRE #01057229 while consistently closing loans within 21-30 days through proactive coordination.

Alan Kirth

Sales Manager

Alan Kirth (NMLS #238808) leads the Burlingame office, combining mortgage expertise with commercial lending insights to deliver strategic financing solutions for residential and investment properties across Northern California.

Questions

What mortgage options are available for first-time homebuyers?

We offer FHA loans with low down payments, conventional mortgages with flexible terms, and state-specific programs. Our advisors compare options to find the best fit for your financial situation.

How does refinancing lower monthly payments?

Refinancing replaces your current mortgage with a new loan at a lower interest rate, reducing monthly payments. We analyze your existing terms, credit profile, and market conditions to optimize savings.

What documents are needed for mortgage pre-approval?

Basic pre-approval requires pay stubs, tax returns, bank statements, and ID. Our streamlined digital process typically completes pre-approvals within 24 hours of receiving documentation.

Can I get a mortgage with self-employment income?

Yes. We specialize in non-traditional income verification through bank statements, profit/loss statements, and tax returns to demonstrate repayment capability for self-employed applicants.

How long does the mortgage closing process take?

Average closing time is 30-45 days. Our team expedites timelines through proactive coordination with title companies, appraisers, and underwriters while maintaining strict compliance standards.