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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

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

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


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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