CJ Kerls

Branch Manager
636 Fourth St, San Francisco, CA 94107
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NMLS: 243438
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Cj is the man!

Kevin M. | May 2018

Thank you to CJ, Steve, and Justin for all of the amazing help on our loan. We've now used Guaranteed Rate 3 times in the last 3 years and don't plan to go anywhere else for our future loan needs. Everyone has been incredibly polite, friendly, and helpful in answering all of our questions. Truly one of the best customer experiences I've had. Thank you!

Michael W. | April 2018

I am so grateful for everything CJ, Justin and Phillip did for me. They were all so knowledgeable, patient and accommodating. I will always recommend them and will definitely use them again. Thank you again. You all helped me keep my dream home. I will forever be grateful.

Dalia Y. - Oakland, CA | APR 2016

We were first time home buyers. CJ and his team were prompt, professional and explained the process so that we could navigate it easily.

Derek S. – Daly City, CA | AUG 2015

CJ Kerls and his team were amazing. They worked very hard very quickly to get my loan secured. They were wonderful to work with, and made it easy for me to purchase the home of my dreams. I highly highly recommend them.

Sarah H. – Oakland, CA | June 2015

CJ Kerls delivered exceptional service.

Robert W. – San Francisco, CA | Dec. 2014

Closed in 14 days with an amazing team. I could not ask for better! Special thanks to CJ, Chelsea, Lucy, and Steve. Great team, good communication, closed smoothly and quickly.

Tonny M. -- 11/17/2014

CJ was amazing to work with! CJ and his team went above and beyond expectations

Nicholas P. -- Concord, CA. 9/24/2014

CJ and his team were exceptionally good at finding a loan solution when other banks could not do so, and for delivering on the process from start to finish in record time. I was one week into a 30-day close when my financing fell through at another lender. CJ and his team sprung into action. They found a viable loan option with very competitive rates, and managed to close it one day early, even with a 7 day delay to begin with! I would certainly recommend CJ at Guarantee Mortgage to...

Mike, 8/20/13

“I worked with CJ Kerls to secure my first mortgage and I was very happy with all of the information and transparency he provided during the process. CJ and his team were very pleasant to deal with and were always quick to respond to the many questions I had along the way.”

Ben J. – San Francisco, CA – 8/2014

CJ is a delight to work with. He has extensive knowledge of the various loan products and works seamlessly with his clients to meet their goals for the best mortgage available. He has a way of making his clients extremely comfortable as he is able to answer questions in a timely fashion with a full explanation of the loan process. Clients should not hesitate to utilize expertise-as you can't find a better mortgage broker!

Louise M., 8/20/13

We love CJ. He helped us with both our initial mortgage and a refinancing. We found him to be quick, reliable, easy to work with and honest. We would recommend him again and again.

Anonymous, 8/20/13

CJ Kerls is indispensable. We were so lucky to benefit from his expertise, patience, guidance & professionalism. CJ was our advocate--he partnered & celebrated with us every step of the way. He is a shining star & I cannot imagine our home buying experience without him. CJ well surpassed all my hopes & expectations & I will be forever grateful to him. A++++

Kate H., 8/21/13

We were condo shopping in the heart of the latest boom, getting outbid left and right. CJ worked with us for nearly 8 months, providing realistic numbers for what we could afford with current rates with each of our offers and helping us to understand the ins and outs of different mortgage options. When we finally got our condo, his estimates were spot on for all the closing costs and related fees so there were no surprises on closing day. I'd recommend CJ in a heartbeat.

Johanna, 9/16/13

I would absolutely recommend CJ Kerls. He was able to find financing options that worked for us and was extremely attentive to any questions or concerns. His response time was very quick on providing multiple offer letters and financing options even as rates were changing very quickly. His assessment of total cost was very helpful in us feeling comfortable with the total loan value. In addition, he was extremely pleasant to work with and we felt like he was on our side.

Statia, Finance Manager - 9/24/13

CJ is great. I was hesitant to go through a broker rather than directly to a big bank but the proof is in the pudding. I shopped around BofA, Chase and USAA but CJ got me the best rate on my loan. After my initial pre-approval things just got better. My final interest rate was LOWER and so were all my fee's. What a pleasant surprise! CJ saved me tens of thousands of dollars.

Sean C., 10/7/13

CJ Kerls helped my partner and I close an impossible loan transaction last month in spite of the credit crunch. The home we purchased was a foreclosure, had code violations, had been illegally converted into two units (we were trying to finance it as a single family home... which is what it should be), and had recently been involved in a drug ring that was busted by the Feds (hence the foreclosure). In other words, even without the credit crunch it would have been challenging... and CJ got it...

Joshua M., 10/22/13

CJ Kerls is the man. He was able to help me and my realtor put together a reasonable FHA loan with some pretty wacky requirements for out of pocket on my end. Over the course of about two months there were probably 100MB in attachments sent between us, but never once did I have to take time off of work to do something silly like go into their office to sign yet another redundant, unnecessary form. If you're looking for a mortgage broker that is on your side and really knows his stuff,...

Matthew W., 10/29/13

CJ Kerls is a fantastic mortgage broker. He anticipates problems before they occur so he can solve them. He is knowledgeable about every new regulation and keeps up with the constantly changing lending environment we've been "enjoying" the last couple of years. It's all about getting the job done in the time required and CJ gets it done every time!

Tim G., 10/30/14

Once we made an offer, CJ was right there pushing the whole thing along. Our transaction was incredibly complicated, and CJ kept everything sorted out and kept us in the loop throughout the whole process. He and his team pushed the right people when pushing was needed, saw pitfalls and helped us avoid them, and when problems did arise, he was right there with a solution. I can't recommend CJ highly enough.

Chris, 11/1/13

Our agent referred us to C by saying "if you're going to do this type of loan, I wouldn't feel comfortable working with anyone else." Boy, was she right! Besides the baseline fact that CJ was able to offer us great rates, he was really exceptional to work with. CJ took an afternoon to sit down with us and walk us through the loan process. He explained every -- and I mean every! -- little cost, line item, expense and potential pitfall. He explained every assumption he was making, gave us a...

Chris, 11/1/13

Can't say enough good things about Guarantee Mortgage and CJ Kerls in particular. He was responsive through the whole process, walked me through the logistics of buying a house, and helped me figure out what would be in my price range. In particular, his summary sheets breaking down the purchase price, down payment, closing costs, tax writeoff amount and net monthly payments were really useful in the planning process. At the end of the day he got me in the best possible mortgage. I'll...

Cam D., 11/7/13

CJ Kerls is a mortgage master! I was referred to him by my killer real estate team of Peter Goss and Robert Dana (Zephyr). CJ rapidly and creatively overcame various hurdles in my loan process, helping me to buy a new home in Marin before selling my condo in the city. He worked out bridge financing for me by arranging a 2nd mortgage on the new home, which can be paid off without penalty as soon as we sell our condo. CJ kept me up to date with the status of my loan at all times, fielded all of...

Alison, 11/19/13

CJ made the whole mortgage process simple, painless and quick. I recommend him for any mortgage and financing needs; and will definitely work with him again when in need!

Shakir K., 11/21/13

CJ and his team (Jason and Maria) were great to work with on my recent refinance. CJ informed me of the options early on and communicated with me during the whole process. I was very pleased to recieve the financing and significantly reduced my monthly payment. I would definitely recommend CJ and Guarantee Mortgage and plan to use them again.

Brad G., 11/25/13

I have worked with CJ on 2 condo purchases over the past 18 months. He has a knack for listening well and responding quickly. I especially appreciate his ability to boil a lot of fluff down to the essential solution. I would recommend CJ as your go to guy in securing the place of your dreams!

Lucy H., 12/5/13

I have recommended CJ to my clients for the past ten years. He has loads of experience with mortgages, but most importantly he is someone that under promises and over delivers, a rarity! He will not promise you the moon to get your business, but he will deliver what he offers. His ethics and knowledge are a real treasure, and when I have a difficult question he is the person I call.

John F., 1/8/14

About CJ

Here is what you need to know about me:

I have been in the mortgage industry for over 25 years. I am a licensed mortgage loan originator and have had intensive training that goes well beyond state and federal requirements. You need to feel confident that you’re working with the best. I have been nationally recognized as one of the top 1% of Mortgage Loan originators in the U.S. I take pride in providing high-quality service and a seamless loan experience.

Getting a mortgage is like putting together a puzzle, and there is never a one-size-fits-all solution. I love pulling all the pieces together, researching the best possible loan program that meets a borrower’s needs, and walking them through the process. I provide my clients the transparency and smart loan options they need to consider in order to make an informed financing decision. As a licensed mortgage banker, I am able to shop the nation’s top lenders to obtain the most competitive loan program in order to save my client’s time and money.

I feel it’s never too early to start the conversation. Whether you are considering purchasing your first home, or a move up home for a growing family, or looking to buy a weekend house or investment property, I can help you craft the game plan needed to achieve your financing goals. Let’s get the conversation started.

**For Real Estate Agents**

I have partnered with some of the top real estate agents in the Bay Area and am a founding member of the San Francisco Insider’s.

I take pride in providing honest communication, consistent follow-through, transparency and respect for all parties in the transaction. I will work with your clients to help them understand how much home they can qualify for, and problem solve from beginning to end, to ensure that the loan closes on or before the close of escrow. I am always keeping myself educated and up to date with all of our loan investors which gives me the ability to come up with creative lending solutions to accommodate the needs and wants of Homebuyers.

My specialties include:

• Self-Employed/Complex-Income Borrowers

• First-Time Homebuyers

• Education & Advising

• Condo financing

• Jumbo financing

• FHA/VA financing

• Bridge loans and cross-collateralization

• Doctor’s loans

• RSU Income


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