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Brian Decker

Vice President of Mortgage Lending
27710 Jefferson Ave, Suite 200, Temecula, CA 92590
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NMLS: 319790
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Brian Decker and his team actually made my home buying experience pleasurable! I was constantly contacted throughout the entire process. I have heard horror stories about lenders only looking out for their bottom-line. I would tell anyone....and please feel free to post this on your web page....anyone that needs a home loan and does not contact Brian Decker and his team at Guaranteed Rate is an idiot. If you don't call Brian Decker your home buying experience will be a miserable one. As I...

James I.

My wife and I, our 2 boys are wishing you, your family and your entire staff at Guaranteed Rate a Prosperous and Safe New Year 2017! We are completely grateful to each and everyone starting from you and those various personnel handling and engaged in our home loan process. If there is something we are thankful for this year 2016.. is that wonderful experience of working with folks like you and your staff whose friendly customer service, energy and remarkable talents to guide and help us in...

Ernesto O. | 01/01/2017

The entire team kept me informed every step of the way. They were so helpful in closing our home quickly as they knew my home at the time was in escrow for 2 weeks before we find our new home . They ended up ready to close before our buyers escrow was. Incredible service!!! I would recommend this group to all my friends and family. Sincerely,

Vic and Laura V.

Brian Decker and his team are amazing. I can't express how grateful I am for their assistance and professionalism. They were extremely helpful and courteous and went above and beyond what they said they'd do and more than exceeded my expectations. My only regret is not having known about Brian sooner and having wasted my time with others who said it could not possibly be done. Brian is the real deal and I will recommend him to whoever I can and will certainly be a customer of his for life.

Alejandro B. 07/29/2016

Brian and his team went way beyond what any other lender could do!

Mike D. 6/2016

Brian Decker and his entire team were absolutely amazing. They provided the best customer service of any organization I have ever dealt with. Communication - 10, problem solving - 10, strategy - 10. Great team!

Michael C. - Murrieta, CA | APR 2016

This was by far the easiest and most straightforward mortgage loan process we have ever had. Brian Decker and his team were efficient, kept us updated consistently through the entire process and made sure we were aware of all aspects of our loan. Simply outstanding.

Jacob F. - Temecula,CA | MAR 2016

Brian Decker and his team were extremely helpful and guided me through the process every step of the way. Questions I had were answered promptly and thoroughly. Brian and his team took a stressful time in my life and alleviated a lot of that stress by being so professional and friendly, I will definitely be recommending him to anybody looking for a home loan!

Sean B - Temecula, CA | Feb. 2016

Brian Decker is the best loan officer. He and his team took a very difficult situation and closed on time. They were amazing and very easy to work with. This is the third loan that I have done with Brian and would use him again in a heartbeat.

Jennifer M. - Merced, CA | Jan. 2016

Brian was awesome. He overcame several huge obstacles trying to close on a condo with an active HOA lawsuit. He pushed and pushed to make the deal happen. I know he did so much behind the scenes that I don't even know about. He made it so easy for me and always kept me updated with any delays. I couldn't have been happier with his service. He completely exceeded my expectations. Thank you Brian! GREAT JOB!!

Autumn C.

Thank you for your amazing care and flawless process in this transaction. Even though this is my first home purchase as a single woman, I have purchased homes (new and resale) when I was married and I have to say, this was the best and easiest one EVER. I know it helped that I didn’t have any contingency but it went so smoothly and your staff communicated constantly with me so that there never any surprises. You, Jon, Cindy, Itzel and Jordan have been amazing and have treated me as if I...

Mary Hensley, new home owner

This is to express our sincere thankfulness to Ryan Phillips for his continuing expertise "making the deal" and for referring us to John Solek, who we also wish to thank. John went the extra miles to iron out our credit wrinkles, work out and re work the details. He proved his expertise too in "making the deal". Our thanks also go to Jordon, Brian, Itzel, Cindy and all of those who took the time required to push our deal forward. You are all the best in the business and your efforts have...

Barbara and Martin "Pat" Patterson

Brian, can't begin to explain how important this purchase was for me and my future. You and your team, including Rob, are not only saints in my book but consummate professionals. I will absolutely refer you to any and all. Wish you and your organization much deserved success in 2016 and beyond. Thank you very much!!

Terry G.

Brian Decker is the best loan officer. He and his team took a very difficult situation and closed on time. They were amazing and very easy to work with. This is the third loan that I have done with Brian and would use him again in a heartbeat.

Jennifer M. - 1/15/2016

Brian, Thank you so much. You and your staff were amazing! We received nothing but compliments from our agent and others. You guys took care of business and were so patient with us. We would recommend you to anyone and everyone. We received your package today and we love it. Again, thank you and your team for everything.

John and Suzanne S.

Brian helped me raise my credit score by 49 points in less than two weeks. He communicated with me regularly and let me know when a member of his team would be helping with the process. Brian and his team went above and beyond to set me up for the best loan possible.

James O. – Riverside, CA | Sep. 2015

I have worked with Brian Decker previously and he is great. He explains things well and is very responsive. The notary, Matt Ellis was also very professional and good to work with.

Tifani P. -- OR 12/19/2014

Brian Decker really went above and beyond for me in this process. Everyone I dealt with did a great job.

Michelle B. -- CA 10/152014

Not even a question!! Brian was over the top attentive, answered every single question, and handled everything better than any loan officer I have ever worked with.

Lisa F. -- CA 7/24/2014

Brian and Jonathon are great.

Mark E. – Camarillo, CA | June 2015

Brian was great and answered every question I had (and I had a lot!)

Victoria F. – Murrieta, CA | Feb. 2015

Brian Decker provided exceptional service and was a pleasure to work with. I will highly recommend him to others!

Sherri M. - Temecula, FL | Dec. 2014

Brian and his team are excellent!

Michael C. -- Murrueta, CA. 9/23/2014

Brian Decker was great. Thank you again.

Todd B. -- Temecula, CA. 9/26/2014

Having Brian around to help me answers questions on how the process works was great especially since I started the process overseas. The quality of service was great. I was not treated like a number I was treated as a value customer. The level of service and willing to work with me to get me a personal loan that works best for me and my family needs.

Jesus R. -- 8/21/2014

About Brian

Brian Decker is the Sales Manager and VP of Mortgage Lending for the Temecula and Irvine offices of Guaranteed Rate. As one of the nation's Top 50 Mortgage Originators (Top 1% of the Top 1%) his experience, 24/7 service and dedication to his clients is why the area's top realtors choose him as their trusted lender. He offers his clients industry leading mortgage rates on Jumbo, VA, USDA, FHA, Conventional and Home Equity mortgage products.

Brian Decker moved to the Temecula Valley in 1991 and now is lucky enough to raise his own family there today. He takes great pride in providing his clients with the best loan programs at the lowest rates available. He has been in the mortgage industry for over a decade and during this period of time has established himself as one of the hardest working individuals in the industry. Communication is essential during a purchase or refinance, which is why each and every client will receive a daily update on their file.

As a national top producing originator Brian has been recognized not only locally for his production and performance within the industry but also nationally. In 2011, Brian Decker was recognized as the #1 Mortgage Originator in the United States for Volume Gain out of over 300,000 licensed mortgage originators by Scotsman Guide. For the last five years Brian Decker has been ranked as one the Top 50 Mortgage Originators in the U.S. by Scotsman Guide and Mortgage Executive Magazine.

Outside of the office Brian enjoys spending time with his beautiful wife Alison and their one year old daughter Kinsley Grace. He and his wife are expecting a second child in a few months so in what little spare time he has, he enjoys volunteering at his church, real estate rehab/development projects, Crossfit, cooking and is an avid car enthusiast.

Brian interview Q&A

How long have you been in the mortgage business and what inspired you to get into it?
I have been in the mortgage business for almost 13 years now. I graduated top in my class in Accounting and wanted to combine my love for real estate and numbers. It turned out that mortgage was the perfect fit.
Who is your typical customer and what questions do they typically have?
As one of the top 50 loan officers in the Country, I see it all. My favorite type of mortgage to originate is a VA loan. VA loans are one of the very best mortgage products available and with being able to combine the 100% financing with my closing cost credits, it is truly a wonderful product to offer. It is the very least I can do to give something back to those who so valiantly served our Country.
Tell us about a specific challenging borrowing situation and how you got the mortgage closed and funded.
I recently had an Orthodontist that was attempting to buy a home using jumbo financing. He had recently started his own practice 18 months ago and all 7 LENDERS he had contacted before his agent gave him my number said they could do nothing for him until he had 2 years of filed business tax returns. I evaluated the file and provided him a below 4% interest rate and funded his loan in less than 30 days. Needless to say my children will probably get free braces. :)
What can borrowers do to insure a smooth mortgage underwriting process?
The key to a smooth process is to understand that there will be a decent amount of financial documents you must provide. If you understand that they will be needed and provide those documents in a timely fashion, the process is very smooth. When a client is very disorganized or does not follow instructions of providing items like all pages of the bank statement or a clear photo ID, which are simple requests, it can lead to a more stressful process.
What do you enjoy doing most in your spare time when you are not helping people with their home loans?
I really enjoy spending time with my wife, our new son, Slater and young daughter, Kinsley. Being a Dad is truly the greatest job in life. I make it a priority, which is why I am up around 4:30am each day so I can be home for dinner by 6:15pm.
Tell us something that makes you unique or something wacky, yet interesting about you?
I actually met my wife on and we were engaged less than 6 months later. contacted us when they were given photos of our wedding, that were featured in several magazines, to put us in a their commercial. However, we decided against it since we wanted to keep that online dating secret between the two of us. And for the record, she winked at me!

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