Stephen Barber

Branch Manager

636 Fourth St, San Francisco, CA 94107
Contact Stephen
NMLS: 57715

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Stephen and team did an excellent job and really worked hard to get us a great rate.

Andre B. | August 2018

I was very happy with Guaranteed Rate's loan process and it was a pleasure to work with Stephen. He was very responsive and helped me through my many detailed questions/concerns, and ensured a smooth closing.

Arjun K. | July 2018

Stephen Barber and his team were great to work with again! This is my 4th time using him. This was my first investment property (1-4 units) and he helped seamlessly manage that process.

Jerad S. | June 2018

I already sent Stephen a referral. Great guy and as simple of a process as this could be

Adam G. - May | 2018

Stephen Barber and his team are incredible. We closed in 20 days! They made it incredibly easy. I've already referred 3 friends to Stephen. Thank you so much!

Thomas F.-San Rafael,CA | MAY 2016

Stephen Barber bent over backwards to help us. He was super professional, honest, and sensitive to our timeline.

Janet H.-San Francisco,CA | MAY 2016

Stephen Barber was a tremendous help before and after our house buying process. He worked all hours to move everything along, and this was the fastest, easiest closing we've ever had. We have been recommending him to all our friends and coworkers. We also were very satisfied with the rate we were able to get.

Jessica R. -San Francisco, CA|APR 2016

Stephen Barber is a very knowledgeable and skilled mortgage broker who likes interesting tasks and challenges. He explains everything very clearly. He was very helpful to me with guidance on my credit score and getting me needed loans on several properties over the years. He has also assisted many of my friends and colleagues over the years. Stephen is very pleasant and professional and I recommend him highly.

Sarah S., 12/17/13

Stephen has been the finest mortgage broker I have ever worked with in the past 35 years. Not only does he provide several loan options for each transaction but provides the lowest rates with the least cost. His availability to answer questions nearly 24 hours a day as well as provide clear explanations are unique in the industry. Whenever I placed offers on potential purchases he was able to provide preliminary loan approval letters within a matter of hours. On a personal level he is a...

Jeffrey S., 10/10/13

Stephen is my "go to Guy". I refer him to all my buyer clients as I know Stephen will always provide the information I need to qualify a client for a purchase. If he cannot do it he will always be honest and convey the information the client needs to effect a positive outcome to their financing needs. Stephen is honest, proficient and professional, he has the experience required to purchase or refinance in San Francisco and the greater Bay Area!

Ana M., 10/30/13

We have been using Stephen Barber for over 15 years as our mortgage broker and our clients are always glad we recommended him to them. Consistent, thorough and ever available for his clients and us he keeps the goals in sight and timelines met. With all that can go wrong in a real estate transaction, we are glad to have him as part of our team. We recommend him wholeheartedly and enthusiastically. If you are looking for mortgage broker who can explain all your options and help you make a...

Eric W., 10/9/13

I've been through several transactions including purchase and refi mortgages using Stephen and have always had a fantastic experience. He is professional in every manner and has had my best interests always at the forefront of his work, making sure I've always received the best rates and terms available. He makes the difficult maze of obtaining a loan and having all the necessary documents in order look effortless in today's demanding market. I highly recommend Stephen and Guarantee Mortgage.

Chris M., 9/25/13

I know that when I recommend Stephen to a client, they will be well taken care of throughout the entire process. Stephen strives to provide ongoing services to ensure that our mutual clients continue to have the best loan possible. As a top producing Realtor, Stephen helps me to track the closing process with timely updates and early warnings of potential issues before they scuttle a deal. He is proactive in his approach and has a great "bedside manner" with clients who need a lot of...

Adam Gavzer, Top Producing Realtor in SF Bay Area

I have worked with Stephen for over 8 years and have continually been impressed with his ability to clearly explain the lending process to clients looking to purchase or refinance their homes. Stephen is the rare loan broker who takes the time to fully understand the clients needs and find the right program for them. His vast knowledge of the real estate financing world is continually expanding as his resources for new and unique lending programs become available.

Adam Gavzer, Top Producing Realtor in Bay Area

Questions about your mortgage? Desire to refi? Truly the only person I will ask is Stephen Barber. He has personally answered a decade worth of questions from my husband and I. We have had questions about out TIC, refinancing, appraisals and more. He never wastes our time, but offers the needed information and outsources when appropriate. Not only that, I have instructed multiple friends and clients to use Stephen. I hear the same gossip everytime, "Stephen is fabulous. He helped us...

Chelsea P., 9/23/13

Stephen is a trusted advisor and great mortgage broker. He counseled and guided us through financing our first home, and proactively helped us refinance a few years later to take advantage of the market. He is extremely knowledgeable and insightful — a great educator. He is an excellent communicator and I always trust that Stephen puts our best interests first.

Jason M., 9/19/13

Stephen Barber is a fantastic mortgage consultant! I knew nothing about the process of buying a condo and he made it easy and transparent for me with great patience and a wonderful sense of humor. I have a busy practice and truly appreciated his exceptional efficiency and professionalism. I'm really happy with the work he did for me and for the many friends who recommended him.

Alison M. MD, 9/18/13

We are very grateful to Stephen Barber for his terrific work in helping us with the home buying process. At every stage of the process Stephen worked with us tirelessly, explained every aspect of the process to us, kept us informed of developments, and answered all our questions. Stephen and GMC did a great job, and we recommend them very highly to anyone seeking to finance or refinance a property.

R. & G. Chopra, 9/18/13

Stephen is FANTASTIC! He's helped us through two home purchases and one refinance. He's also helped other members of my family. He's honest, pragmatic and knows his business.

Rich K., 9/18/13

My wife and I have worked with Stephen several times over the last 8 years for obtaining loans for both purchasing (2) and refinancing (2) our homes. Stephen was fantastic through all of the loans that we obtained. He is extremely knowledgeable, thorough, detail oriented. When you work with Stephen, he does not tell you I "might be able to get you this really low rate if you do a, b, c", he will tell you from the beginning what % interest loan you can get and guess what, you get the loan!

Rino L., 9/17/2013

About Stephen

Stephen has been a residential loan agent for the last 20 years. His focus has been helping clients in San Francisco and across the state of California. During the last couple decades Stephen has been able to develop a strong network of past clients and Realtors. All of Stephen's business comes from referrals from that network. When Stephen isn't working on your loan, he can be found cycling , skiing or travelling!

Stephen interview Q&A

What specific steps do you use to help your customers find the best home loan for them?
Stephen views his role in the mortgage process as a trusted advisor. It is imperative to provide clients with the details that allow them to make informed decisions. Stephen makes sure that customers understand their purchasing power, mortgage options and how each loan product will align with certain goals.
What advice would you give new or first time home buyers?
Consumers who are considering their first home purchase should check their credit report early in the process in order to allow time to correct anything. It is also important to understand what assets can be used for your down payment on the purchase and consult with a mortgage professional before they start moving any of their assets.
What can borrowers do to insure a smooth mortgage underwriting process?
The key is being organized and keeping good records. The industry is now completely digital. It is imperative that you keep PDF records of all your income and asset documentation.
Summary of where you grew up: family, affiliations, college, high school, etc.
Stephen grew up on a dairy farm on the East Coast and milked cows for the first 18 years of his life. After attending Cornell University, Stephen pursued a business career that led him to live in many cities across the US....and eventually he moved to California.

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