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Nicole Santizo

VP of Mortgage Lending
167 S. San Antonio Rd., Suite 16, Los Altos, CA 94022
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NMLS: 582907
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TestimonialsCustomer testimonials Read more

Very professional and helpful in gathering documents. 2nd deal I did with Nicole.

Michael P. | August 2017

Nicole Santizo was fantastic. We would recommend her services to our friends.

Dilip R. - Funded 7/27/17

Good service and attention to detail.

Umesh C. - Funded 8/14/17

All those I worked with were timely with answering my questions. Everything was processed on time as promised. Thank you for getting everything taken care of for us to close on time.

- Donald R. - Funded 8/11/17

Nicole Santizo is THE BEST. Guaranteed Rate is fortunate to have her. I came to know Nicole 12 years ago when she helped finance the purchase of our first home. Through several refinances including the purchase of our second home, we have stuck with Nicole because of her extraordinary customer relationship & communication skills (as well as the requisite business & technical knowledge). And of course, with this recent transaction, Nicole (and by extension - her team) was as outstanding as ever....

- Edward K. - Funded 8/11/17

I will use GR as long as Nicole Santizo is a loan officer with you.

Karen L. - Santa Cruz, CA | JUL 2017

Satisfied customer. Nicole and team were very informative right through the process. They made the whole journey from pre-approvals to loan closing a smooth experience.

Ashish D. - San Jose, CA | JUL 2017

Nicole, Chad, and Peter were extremely helpful in the entire home buying process. Not only were they very communicative, they also answered all our questions and explained each step carefully so that we had a better understanding of what needed to be done.

Kevin H. - San Jose, CA | JUN 2017

Overall, our loan officer was very professional, approachable, kind, and helpful.

Vinodth M. - Santa Clara, CA | JUN 2017

Nicole's team was exceptional. Great speed and professionalism. We were extremely happy and satisfied.

Varun S.

Nicole and her team were extremely helpful and made my loan process pretty simple. I would highly recommend Guaranteed Rate to my friends.

Manu P. | 6/9/2017

I loved working with Nicole Santizo, my loan officer. I knew her from a past escrow I was miraculously able to close with her help. I reached out to her this time, as well, and she was very prompt, honest, and gave me all the relevant information I needed and shared also her opinions on what made sense in the decision-making process. I was on travel during the escrow process this time, and Nicole and her team worked with me and we were able to close the loan without any hiccups.

Nithin R. | 5/19/2017

Stacy, Chad, Peter, and Nicole did great job refinancing my loan to get better rate and making sure we closed on time. Highly recommend this team for mortgages.

Lohit R. | 5/24/2017

I was very happy with the service provided by my loan officer, Nicole Santizo, and her team. They are very prompt to answer questions/concerns and are readily available. They understood my requirements and provided me the best possible quote, especially when compared to what was available in the market. I was very pleased to work with Nicole and her team at Guaranteed rate, and I would definitely recommend her to my friends and family.

Sheeba B. | 5/22/2017

Very easy process, competitive rates, and friendly people.

Deanna G. | 5/8/2017

Everyone at Guaranteed Rate was very helpful and guided me through every step of the process. My loan officer, in particular, was extremely helpful, taking extra time to send follow up emails and explain documents in detail for my benefit. I felt very comfortable that they knew the trade and were trustworthy. I will definitely recommend Guaranteed Rate in the future.

Nick L. | 3/13/2017

Submitting all documents electronically worked very well. Huge plus!

James H. | 3/27/2017

Nicole Santizo is superb.

Loren W.

Wow - what a service! Nicole, Shawn, and their team members are excellent. They all beat my expectations. I've never had such a smooth process. Thanks!

Subbarao G.


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Nicole interview Q&A

How long have you been in the mortgage business and what inspired you to get into it?
15 years. As a native to the Bay Area and a Real Estate Investor myself, I have always had a passion for the local market. Being able to leverage my business and technology background enables me to better understand my clients and how to best support them by crafting a solid financing strategy. It is exciting to collaborate on a financing plan that ultimately leads clients to having their offer accepted.
What specific steps do you use to help your customers find the best home loan for them?
I listen and ask the right questions. It is through this discovery process and exchange that I can truly unearth what their financial goals are and what matters most to them. From there I distill the various options into 2 that best meet their criteria.
How long have you been in the mortgage business? What awards have you won?
Chairman’s Circle for the last 12 years.
What are the pros and cons of a fixed rate mortgage versus an adjustable rate mortgage (ARM)?
There is no one-size-fits-all mortgage. Each borrower has a unique set of circumstances that would make a particular program work better than another. The key is discovering what that is and then aligning them with the right program.
What advice would you give new or first time home buyers?
Educate yourself and work with a reputable Trusted Advisor that will listen to you and what is important to you. Determine “how they work” to ensure that you are aligned.
How has the mortgage industry changed since you started, and what would you expect in the future?
The mortgage industry has changed considerably in the last 15 years. I see the growing use of technology as a powerful shaping force for mortgage originations and how the process will be in the future. While traditional banks tend to have clunky technology, Guaranteed Rate has been on the leading-edge of the digital mortgage and I am excited to see where we will go next.
What can borrowers do to insure a smooth mortgage underwriting process?
Partner with a highly-experienced Loan Officer that will walk you through the process and help you avoid potential pitfalls. A seasoned Loan Officer anticipates what an Underwriter will ask for and knows how to document and package a loan file in a way that results in a very clean approval.
What provides you with the most satisfaction in your job as a Loan Officer?
Being able to strategize with clients about their financial goals and curating creative solutions that exceed their expectations. Also, the work that we do is very personal and my team and I work incredible hard to deliver exceptional results. When clients understand that we genuinely care about them and what they are trying to achieve, the trust level is high and it is a very rewarding experience for everyone.
What do you enjoy doing most in your spare time when you are not helping people with their home loans?
Travel, Spending time with Family and Friends, exercising, reading, cooking, enjoying the California coast.
Tell us something that makes you unique or something wacky, yet interesting about you?
I used to play Basketball in High School, I do Boot Camp, I’ve hiked a volcano in Guatemala, I recently bought a home, tore it down and rebuilt it.

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