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CA - Los Altos

Branch Manager: James Elliott
  • o: (650) 584-0958
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

Great team, replies came back quickly, there were no surprises.

Julia L. | August 2018

Nicole and her team were awesome to work with. We had a tight deadline and her team did an incredible job to hit it. We got a very good rate as well. I would recommend her services to all of my friends who will be applying for a home loan.

Gaurav B. | July 2018

I would like to rate this team 20 on a scale of 10! Absolutely fantastic!! Team's responsiveness is unmatched. Nicole, Chad, Debbi, Jennifer, Holly, Santizo, we can't thank you enough for helping us secure our first home.

Manjunath C. | June 2018

Great help from Nicole & Team. Very friendly & knowledgeable people.

Mayank P. | June 2018

For any refinancing needs, I plan to connect with the team that helped me, as they were the best team I could have hoped for. Thanks Nicole and team!

Jatin G. | May 2018

Tanya Click was great throughout the whole process. Whoever is in charge should give her a substantial raise immediately.

Aldine W. | August 2018

Tanya was incredibly helpful throughout the entire loan process. In fact, when my offer was accepted I was working with a different loan servicer who then changed the terms of the loan package. I shopped around and went with Tanya. She walked me through every imaginable loan package and we carefully weighed the pros and cons of each together. She is very knowledgeable and extremely helpful. Most importantly, she followed through on all the promises she made. Months after the purchase of my home...

Sam C.

Refinancing with Tanya was a great experience all around. She was able to provide a rate competitive with the best rates I was finding elsewhere, and completed the transaction quickly and with an absolute minimum of fuss. In particular, I appreciated that there was very little paperwork - everything was handled electronically but in a way that made me feel safe. Also, I have to commend her for going one step beyond in providing us with the various statements to e-sign (you know the ones: those...

Evan and Marilyn G.

Process was the easiest refi yet, and rates were competitive with the lowest I was able to find.

Evan G.

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

Michael Colyer and his team are the best!

Joshua T. | July 2018

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

Tanya was exceptional with staying in contact with me and communicating with me directly every step of the way!

Elyse J.

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

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

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

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

Tanya Novo was great. She made everything so easy and was so personable. I feel like I have a new friend and I've never met her.

Denise S.

Submitting all documents electronically worked very well. Huge plus!

James H. | 3/27/2017


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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