GuaranteedRate - Mortgage Company
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CA - Los Altos

Branch Manager: James Elliott
  • o: 650-584-0962
167 S. San Antonio Rd., Suite 16, Los Altos, CA 94022
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NMLS: 1595433
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TestimonialsCustomer testimonials Read more

Nicole and her team has been pretty awesome and I have already recommended two of my friends with her. Will continue to do business with Nicole and team.

Anoop K.N. | November 2017

Every person in Nicole's team including Nicole was wonderful to work with. They responded to my questions promptly with great details, and made the process look much simpler.

Ramakrishnan S. | November 2017

Considering our past credit and many other issues we had during the re-fi process Nicole and her team guided us and never gave up on us through many many obstacles. In the end, we could not have asked for a better group of people helping us and we ended up getting a better rate than expected! Thank you Nicole Santizo and crew!

Sheldon R.| November 2017

Nicole Santizo and her team are killing it! Great communications, super-responsive and a lot of patient to explain every detail. I highly recommend

Alon S. | November 2017

Nicole Santizo and everyone on her team are amazing!!!

Clifford D. - Funded 10/18/17

Nicole was extremely helpful and even more patient in explaining all our questions as a first time home buyer! Nicole and her team were by far the best people we have dealt with in terms of seamlessly procuring our mortgage. They helped us from start to finish with documents, questions, preparations etc. I would recommend Nicole and her team to anyone who is looking to take away a big stress and get some GOOD HELP during their home buying process which is pretty brutal in Bay Area anyways!

Twinkle A. | October 2017

Nicole and her whole team were helpful and knowledgeable throughout the process.

Laura T. | October 2017

Great experience. Nicole and staff were super helpful and on top of things.

Karthick I. - Funded 10/2/17

This refinance was absolutely the easiest one for me. Information provided was very clear and to the point. Follow ups from the team were phenomenal to have everything done on time.

Venkata S. | September 2017

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

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

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


Here at Guaranteed Rate, we have a philosophy to “lend where we live”. We are dedicated to meeting all of your lending needs and are armed with a full array of loan products to do so. You will find that we strive for the industry leading value proposition for our loan officers, referral sources and customers at Guaranteed Rate, which is why we work by a set of Core Values. In our office, our priority is to put the customer first.

We are proud to have Guaranteed Rate’s World’s First Digital Mortgage at our disposal. This is invaluable to both clients and realtors because it also allows clients to choose their own loan type, receive free credit scores from all three bureaus, securely upload and digitally sign your loan documents then receive a real online approval!

Our branch is looking to exponentially grow its production this year. So, if you're looking for new career opportunities, start with us! We hire the best of the best and are looking for new team members. Come grow with us!
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