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CA - San Francisco SOMA

Branch Manager: Stephen Barber
  • o: 415-694-5500
636 Fourth St, San Francisco, CA 94107
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NMLS: 1205291
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TestimonialsCustomer testimonials Read more

I am so grateful for everything CJ, Justin and Phillip did for me. They were all so knowledgeable, patient and accommodating. I will always recommend them and will definitely use them again. Thank you again. You all helped me keep my dream home. I will forever be grateful.

Dalia Y. - Oakland, CA | APR 2016

We were first time home buyers. CJ and his team were prompt, professional and explained the process so that we could navigate it easily.

Derek S. – Daly City, CA | AUG 2015

Dean and his team, Chance and Lucy, were great and easy to work with. We were able to accomplish everything via email, online, and over the phone. This was really convenient for me and my family, being my wife and I have a 7, 5, and 1 year old and my wife is pregnant with #4. So being able to handle everything without leaving the house was a huge convenience for our family. Dean and his team made everything seamless. I'd definitely recommend Guaranteed Rate and would use them again in the...

Tinoifili E. - San Bruno, CA | AUG 2016

Jay Sondhi is a rockstar! And he was always available...much appreciated when you are making the biggest transaction of your life (yet!). Thanks!

Vikram V.- San Francisco,CA | MAY 2016

Dean and his team were so professional and honest. We had an awesome experience working with them. Awesome team.

Erum R. - Union City, CA | AUG 2016

Jay Anthony Sondhi at the San Francisco office was very professional and proactive throughout the entire process of obtaining a home loan. An example was that he provided us with a plethora of loan options and explained everything clearly and concisely. With being first time home buyers, we were VERY inquisitive. There was not a moment where was frustrated, lost patience or seemed annoyed. He provided us with answers to our questions in a timely manner and Jay is very knowledgeable - We are...

Anh L. - Walnut Creek, CA | Jan. 2016

Jay Sondhi has been my loan manager for my three property loans in the San Francisco Bay Area. He always gets me the best rate - for some reason I had incorrectly assumed he did not service the Moss Beach area and when I went "loan shopping" was startled by the higher rates I was being quoted by other loan companies. Jay and his team made the experience quick and painless. I have recommended Jay to several friends.

Evelyn S. - San Francisco, CA | Dec. 2015

Jay Sondhi was very supportive and professional in the time we worked together. He answered all of my questions, and always went above and beyond to deliver exceptional service. Actually, his reputation proceeded him because my realtor and several of my friends who are home buyers worked with him for home purchasing or refinancing their loans. When the 2nd appraisal was delayed, he kept me informed of the progress every step of the way. This helped with my anxiety about the whole process as...

Natalie B.– Oakland, CA | JULY 2015

Stephen Barber and his team are incredible. We closed in 20 days! They made it incredibly easy. I've already referred 3 friends to Stephen. Thank you so much!

Thomas F.-San Rafael,CA | MAY 2016

Stephen Barber bent over backwards to help us. He was super professional, honest, and sensitive to our timeline.

Janet H.-San Francisco,CA | MAY 2016

Stephen Barber was a tremendous help before and after our house buying process. He worked all hours to move everything along, and this was the fastest, easiest closing we've ever had. We have been recommending him to all our friends and coworkers. We also were very satisfied with the rate we were able to get.

Jessica R. -San Francisco, CA|APR 2016

Tom Banducci was so phenomenal could not have done it without him.

Joseph B.– San Bruno, CA | JULY 2015

I am a Real Estate Agent in San Francisco and I had a very complicated transaction involving the transition of a 4-unit Tenants in Common building that was in the process of converting to Condominiums. I not only needed to payoff my percentage of the loan for my unit, but was also hired to be the listing agent for another unit that was simultaneously going up for sale. Mickey Cogliandro at Guaranteed Rate handled everything just beautifully. We refinanced my primary residence so that I could...

David P. - San Francisco, CA | Aug. 2016

Easy online submittal of documents made this process very easy. Mickey was great at keeping everything on track and with relevant updates. Great system.

Tyson B. - San Francisco, CA | Dec. 2015

I LOVE SYLVIA! I was expecting the loan to be the hard part of the transaction, but it turned out finding a home and having my offer accepted was the tough part. I will absolutely call Sylvia for future needs or recommend any friends to her. Thank you!

Kim S. - Newark, CA | Jan. 2016

Our gratitude to Guaranteed Rate for making an impossibly complicated process move with steady clarity and speed.

Barbara L. -San Francisco, CA |AUG 2016

Patty Souza is the best- positive, knowledgeable, accessible. We've used her services before, and will undoubtedly call on her again.

Andy C. -Mountain View, CA |AUG 2016

Sylvia Curletto is by far the 1 and only to work with. This is our 2nd loan and everything was as smooth as Thank You Sylvia :)

David A.– Redwood City, CA | SEP 2015

May Montana was my broker in 2013 when I refinanced, and she was excellent so I called upon her again. May gets the job done with the best possible outcome.

Cynthia G C. - San Francisco, CA | JUL 2016

Sylvia Curletto and team are very helpful and I've enjoyed working with them. Sylvia helped me with my initial purchase of the property and I would recommend her to others. She's responsive, understood my needs and was able to explain the process to me so that I understood what to expect.

Maureen B.– Oakland, CA | AUG 2015


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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