GuaranteedRate - Mortgage Company

Tom Banducci

Vice President of Mortgage Lending
636 Fourth St, San Francisco, CA 94107
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NMLS: 290222
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We worked with Tom Banducci and can't say enough great things about how he serviced us as clients. He kept us informed at every step and worked to get us closed within 25 days. He is a real asset to Guaranteed Rate!

M. Yakel - 10/1/16

Very professional, easy to understand, and best of all -- got what we wanted!

A. Jones - 11/1/16

Tom Banducci and his team got us a good loan at a good rate (significantly better than the competition), and did it on schedule. Communication was prompt and clear, electronic document signing made things convenient. We haven't officially close yet (later today), but assuming things go as expected, closing will have been smooth and hassle-free.

G. Serre - 2/1/17

Tom Banducci was so phenomenal could not have done it without him.

Joseph B.– San Bruno, CA | JULY 2015

Tom Banducci is great! He knows the mortgage business extremely well, has a lot of experience in the type of transaction we did (condo conversion refi), and is wonderful to work with. I can't speak highly enough about about him!

Kaye R. -- San Francisco, CA 6/16/2014

Tom, is one of the most knowledge Mortgage professionals I know. He has made home purchases for my clients a possibility, when there were doubts about getting a loan. He has refinanced my income properties at incredible rates, terms and conditions.

Nick M., 8/29/13

Just closed my first home purchase and it has been a great experience to work with Tom on the loan. As a first time buyer, Tom was extremely patient and professional to deal with. We went through several properties until I finally secured the one. Tom was very responsive for pre-approval documents. In dealing with the mortgage lender, appraiser and the title company, every step of the way Tom responded speedily, and with the attention to details. I couldn't be happier with his superb service.

Wiley W., 8/29/13

I have re-financed with Tom Banducci twice. He has always been very conscientious and professional. He is patient while explaining the various options available. I have a two-unit building, and am self-employed, usually a double-whammy, but with Tom's help, everything proceeded very smoothly. In addition, Tom has a great sense of humor and a calm demeanor which, of course, makes the whole process mush less stressful. I have recommended Tom to friends; I wouldn't do that if I hadn't had such...

Jan R., 8/31/13

Tom did a fantastic job for me in refinancing my property. I have an owner occupied 4 unit building that I had spent 5 years trying to refinance and could not find any institution to touch it as the mortgage is over $2 million. Tom knew on our first meeting that he had lenders and the loan would hinge on appraisal, and made the process easy and efficient. I am self-employed and he also was able to use funds from both my business and personal accounts for reserves in the qualification process. I...

Kurt A., 9/3/13

We enjoyed working with Tom Banducci. He made the potentially tedious process of re-financing our home go smoothly and expeditiously. He was always there to walk us through the difficult steps of the process and his experience with the ins and outs of re-financing was invaluable.

Jane & Tony V., 9/7/13

We very much appreciate Tom's work in helping us through the financing process for purchasing a property. Tom was courteous, proactive, and most helpful. We strongly recommend Tom and GMC to anyone seeking to purchase a property.

R & G Chopra, 9/18/13

Tom Banducci knows his stuff! He recently did a refi for me and did a great job. He went over all the details and made sure I could understand them. I've known Tom for over 25 years and he is a stand-up guy.

Darrell F., 10/7/13

Tom Banducci was very helpful in helping me achieve my goal of owning my first home. I was a single person with 1 line of credit which created a few obstacles when trying to obtain a loan, however Tom made the process a lot easier for me & I was able to close the deal on my house in a short period of time. I highly recommend Tom for anyone looking for a reliable & efficient mortgage broker.

Kevin S., 12/16/13

Approximately one year ago, I asked a friend for an important referral. I needed a mortgage broker who could handle a complicated/difficult refinance of my home. My friend unequivocally recommended Tom, without hesitation. It is hard to describe how happy I have been working with Tom. He made what can be a tedious and challenging experience a pleasurable, and need I say, successful one.

Maximillian D., 1/6/14

Tom worked with our 6-unit building through a TIC conversion to condominiums. We thought it to be a good idea to go with a single broker for all our loans, but we had no idea how much difference it would make. Our TIC conversion required all six of our new loans to close on the same day which is no easy task in this day and age. Tom was instrumental in getting this to happen for us by working with all of our owners, the different lenders involved and title company to guide us to a successful...

Bill S., 2/5/14

About Tom

A California licensed mortgage salesperson since 2002. “My first job is to listen and learn about my client’s needs and financial goals for the property they are financing,” says Banducci.

VA & FHA loans, San Francisco condo conversion financing, Fractional TIC financing, self-employed borrowers – Tom is proficient at understanding the subtle differences between the many lenders we work with at Guaranteed Rate and the importance of being able to place loans for all kinds of borrowers in all types of situations. One thing that separates Tom from other loan consultants is his knowledge of the FICO credit scoring model and his talent in advising clients about improvement in credit scores through correcting inaccurate data on credit reports. “It really feels good to be able to help clients cross the finish line to home ownership,” says Banducci.


Tom has a BA in Communications with a minor in Business and has lived in the Bay Area since 1985. Tom started his first business at 33 and was a central figure for 17 years in San Francisco’s film and video production community. Tom is a member of the California Association of Mortgage Professionals (CAMP) and currently owns residential units in San Francisco.

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Tom interview Q&A

How long have you been in the mortgage business and what inspired you to get into it?
I'm a professional listener and problem solver who enjoys helping people make it through the maze of real estate financing with a smile on their face since 2002.
Tell us about a mortgage product that consumers may not be aware of?
Low down payment programs for fixed-rate Jumbo mortgages with NO mortgage insurance are a niche that many consumers don't know about. Being able to accommodate a 15% down payment on a purchase of up to $1.76MM is a huge advantage for the well-qualified customer who may not want to liquidate all their stocks, mutual funds or RSU's for the typical 20%-25% down payment in this price rage.
What can borrowers do to insure a smooth mortgage underwriting process?
Keep communications open with your loan officer on any changes you are thinking of making regarding how you manage your credit and bank accounts. Never close any revolving credit accounts as that one action will negatively affect 45% of what the FICO score model uses to give a person their credit scores. In addition, most lenders want to see that you have at least 3-4 trade lines that are active for 24 months. Next, don't move money around between accounts without checking in with your lender. We have to track every penny coming into a transaction and multiple transfers and/or deposits can make the process tedious for all involved.
What do you enjoy doing most in your spare time when you are not helping people with their home loans?
I love cooking for family and friends. I also enjoy playing guitar and frequent blues Jams and other music events around San Francisco and the Bay Area.
Tell us something that makes you unique or something wacky, yet interesting about you?
I love getting a deal done that other lenders could not find a way to do. I also realized a long time ago that not many people have a sense of humor when it comes to money and what we do. I like to think of myself as a "Loan Therapist" to tie the two issues together ;-)

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