GuaranteedRate - Mortgage Company

Michael Colyer

VP of Mortgage Lending
167 S. San Antonio Rd., Suite 16, Los Altos, CA 94022
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NMLS: 276626
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TestimonialsCustomer testimonials Read more

I got two mortgages from Mike. He is extremely knowledgeable, quick, and gets the mortgage done on time for closing. He answered my questions quickly every time: weekend, weekdays, working hours or evenings.

Peter A. - Mountain View, CA | APR 2017

I have had the pleasure to work with Mike for two new mortgages. Once he says Ok to a deal he will close the mortgage in time. I had a case where he closed it right through thanksgiving holidays with an unbeatable rate. He is very knowledge, accessible and quick to reply to your questions. The best of his service is the follow up. He occasionally checks on your rate and offers a refinance if it makes sense. He has refinanced one of my existing mortgages twice so far. I have no hesitation to...

Rubil A. - Sunnyvale, CA | JAN 2017

Mike is AMAZING at what he does! He came highly recommended by our realtor and I see why. I know the rating only goes up to 5 stars but if there was a bonus 6th star for above and beyond, he would earn it. While other lenders were more than happy to get me started in their process and then give the run around on additional paperwork needed, ask for the same thing ten times, etc....Mike was different. He was super attentive, very personable, and always willing to go the extra mile on his end...

Lenny B. - San Francisco, CA | DEC 2016

Mike is absolutely the best to work with. He would hop on a call at 10:30pm on a weekday without any question and walk me through any nuance that I asked about. He was also really clear and personable on getting our docs in order, providing timely feedback, and putting pressure on people when we needed the help. Absolutely you need to go with Mike when you need a guy who will be on the clock 24/7, be available anytime you need him, and be really great to work with.

Jon H. - Mountain View, CA | SEP 2016

Mike is the best. Responsive, understanding, helpful, and extremely capable. He would hop on a call or respond to a text or email anytime and do whatever was necessary to make sure we understood everything. Our realtor couldn't believe how quickly he could close -- and is now using Mike for all his clients. We've used him now on two homes and wouldn't think of using anyone else. In our most recent purchase, we made a purchase contingent on the sale of our home. He was able to close on our...

Peter F. - Barnstead, NH | SEP 2016

Michael was amazing! He is very knowledgeable, attentive, and personable. He will work with your needs and find the best options for your loan. He committed to a quick closing and delivered. The process was very smooth. I would highly recommend him.

Jennifer L. - Scottsdale, AZ | JUN 2016

Michael was extremely responsive, personable, and willing to walk us through the process. He had no problem committing to a quick close - as quick as 14 days if needed - which was much appreciated in this market. We ended up going with another broker because of a pre-existing relationship with the other bank, but I would have happily worked with Michael, and would recommend friends to contact him when they are seeking a new mortgage.

Ann R. - Los Altos, CA | MAY 2016

Mike is exceptionally good at what he does, and is the perfect mortgage broker for Silicon Valley. His world class service is the perfect antidote for the churn and burn service you'll encounter from the big brand banks. His responsiveness on text, email and cell is what you want when you're dealing with a high value transaction and every minute can count. In a commodity business, Mike seems to have found a magical way to be differentiated, and offer Four Seasons like service. Do yourself a...

Bobby M. - Los Altos, CA | MAY 2016

We just bought our first house in US with Michael's help. I got a referral from my friend who bought a house with Michael as well. Michael was really professional and responsive. He helped me to understand all different stages of the buying home process. Actually I never met him in person, but I never felt like I need to as he always returned my calls in an hour or less and answered all my emails. After getting into contract, Michael managed to close the escrow in 15 days which is as fast as...

Sergey T. - Belmont, CA | JUL 2015

Michael is probably the best loan agent I've met so far. Why? I certainly had a special case since I just changed job (lesson learned; don't change job when you consider buying a house). I worked with 5 agents before I met him. And I felt all of them only followed the guidelines line by line, asked me a bunch of questions, requested me to supply documents over a long period of time, and in the end simply told me that: "Sorry, I can't approve you because you just changed jobs". Michael,...

Zoink Z. - Fremont, CA | MAY 2015

Michael was simply amazing and thanks to his precious and talented assistance I was able to quickly secure a loan and buy my dream house as a first time home buyer in 2013. The process was seamless, effortless, very professional, and wonderful. I really felt that Michael was on my side at all times during the process and I am forever grateful to Michael for his help in making a big dream come true.

Annelene D. - Redwood City, CA | DEC 2014

About Michael

Michael Colyer is a 4th generation area resident, a Veteran of the US Armed forces and a graduate of both Menlo Atherton High School and the University of Colorado. He has been in the mortgage business since graduating from College in 1997. Michael has helped thousands of home buyers and home owners find financing options that meet their needs.


By 2004 Michael had built a large and productive operation from scratch working for the preeminent home mortgage company of its time. Once successful, Michael began to seek out opportunities back home in the Bay Area. Moving back in 2005, he quickly established himself as a reliable and competent mortgage consultant. Michael's deep understanding of the mortgage business is expressed in his philosophy that his customers and agents come first. As such, he is committed to a continued search for the best retail mortgage operation. Currently this search has led him to Guaranteed Rate where he has closed every Real Estate transaction on time.


If you're looking for Jumbo, FHA, VA or simply conventional financing, one thing is consistent, there will continue to be changes in the world of real estate finance. Therefore, it has never been more important to have an organized, well informed, veteran loan agent to walk you through the process. So, whether you are a seasoned investor, first time home buyer or simply would like to take advantage of today's low rates by refinancing your current home(s), give Michael and his team at Guaranteed Rate a call. He will help you succeed! The real estate community knows... if Michael says it's going to close... it will close!


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