Julie Malta

Want the house of your dreams?  Or a quick closing on a refinance?  Our processes are very refined so we can close quickly to compete with cash offers or multiple offers in communities with limited inventory.

We fully prepare and underwrite your loan package prior to making offers on properties so you know exactly what you can afford to purchase.  Our clients are able to obtain aggressive closing timeframes in a short as 15 days allowing your offer to stand out amount the heap of offers.

I pride myself knowing how to structure the loan programs that matches my client’s personal profile whether your financial profile is simple or complex for residential 1-4 unit properties, including, jumbo, conventional loans,  FHA, VA, and first-time home buyer programs.

I help my clients every step of the way, throughout the lending process, making it easier for them to achieve success!!

My clients appreciate the time I spend in explaining all that is required during the process to make it smooth, easy and stress free.

We serve the San Francisco Bay Area as well as the rest of California.

Equal Housing Opportunity

NMLS #254124 | CA-DRE #01117855
APM NMLS #1850 |APM CAL-DRE #01215943

Karen Toms Brown

Karen Toms Brown has more than 30 years’ experience in the mortgage industry. She began her career in secondary marketing of mortgage loan commitments and transitioned to loan origination, where she discovered her true calling was helping individuals and families obtain residential mortgages. Karen’s extensive experience in the mortgage, real estate and financial industries enables her to provide comprehensive insight and effective strategies for her clients’ mortgage needs, whether they are purchasing, refinancing, remodeling or building a new home. Karen’s background in lending and finance allows her to critically analyze the whole of her clients finances, and help guide them through sound financing options, as well as educate and advise clients about the benefits of different programs and strategies.

Equal Housing Opportunity

NMLS #1521039|APM NMLS #1850

CA-DRE #01102590|APM CA-DRE #01215943

Sahar Milani

With over 17 years progressive experience in the mortgage industry, I started my career as a mortgage loan processor in 2001. I am familiar with all aspects of the loan process. Retiring from my processing position in 2015 to work directly with clients as a mortgage originator assistant, I know exactly what my clients need, why they need it, helping you understand the mortgage process and will always give you very realistic expectations for the process. I believe taking the time to listen and understand is the key to structuring a loan for your situation. I use my unique background, perspective and knowledge to guide you through your loan process.

I come from a Persian background, raised in Denmark – I speak Farsi and Danish.

Equal Housing Opportunity

NMLS #1521039|APM NMLS #1850

Larry Allen Gray

I personally take great pride in the quality of service I provide. I have over 30 years in customer service including Lending, Financial Software consultation and development for a National Public Broadcasting affiliate station. I have nearly 13 years now as a mortgage consultant and planner. I realize each person is unique and I care about each and every client. With a great attention to detail, I provide the same meticulous care with each client’s mortgage loan. I am dedicated to finding a solution to meet your goals. I believe I can significantly help you through the naturally high stress process of getting a mortgage loan and getting it funded in a timely manner. I reside in Marin County with my wife and cats, enjoy hiking, biking, and socializing. I am an active member of the SF Veteran Lions, for which we are dedicated in service to our community.

Equal Housing Opportunity

NMLS #335290|APM NMLS #1850


Fe David

For over 13 years I have been providing professional mortgage financing for my Bay Area clients. I believe that buying a home should be an exciting and fulfilling experience. I make it my goal with every borrower to deliver a smooth transaction that is respectful of my client’s time, budget and financial goals. My background provides me with a valuable perspective into the mortgage process. Guarantee Mortgage offers a wide array of products which helps me provide borrowers with the loan that fits their financial and personal needs. Along with our parent Company American Pacific Mortgage, Headquartered in Roseville, California, Guarantee Mortgage has provided mortgage lending solutions to thousands of happy home owners throughout California for over 25 years. I look forward to working with you!


Equal Housing Opportunity

NMLS #482592| APM NMLS #1850

Alek Kersten

Ambitious, honest, motivated, and transparent Mortgage Loan Specialist. I approach the Mortgage Loan Origination process with kindness, compassion, practicality and continuous growth to ensure my clients benefit from the complexities of mortgage lending.

As a Registered Nurse in San Francisco General Hospital’s ICU, I work to help members of our community heal and recover from the worst time of their lives. Just as I work to help and heal those through their toughest times. I work just as hard and passionately to help our community through one of the happiest moments of their lives. Buying a home!

Getting a mortgage is intimidating and can be very overwhelming to those not familiar. I will be you or your clients advocate through the whole process. All the while ensuring you remain comfortable and understand exactly what you are signing up for.

I am looking forward to being the Mortgage Loan Officer that will do the heavy lifting, so you can focus on living your best life!

Equal Housing Opportunity

NMLS #1652025 | APM NMLS #1850

Tim Higbee

Thirty years of customer focus underlies Tim Higbee’s work experiences in business ownership, client management, and strategic planning. Now he finds himself at the perfect intersection of his passions, having spent the past 17 years working directly with clients in real estate finance. Tim’s undergraduate degrees in Communications, Economics and Psychology prepared him for this dream job, teaching him to effectively discuss customer needs, craft realistic financial plans, and be aware of the formidable life changes that often accompany real estate planning. Finding a path to each customer’s future is Tim’s pride and firm priority.

A Bay Area native, a graduate of University of California, San Diego, and a long-time San Francisco resident, Tim knows the ins and outs and quirks and perks of our fair state. He’s cycled between SF and LA three times for the California AIDS ride, traveled multiple continents, performed on the flying trapeze (though never ran away to join the circus); and, in a former professional life, he was a mover and shaker in the city’s art scene.


Equal Housing Opportunity

NMLS #247065| APM NMLS #1850

Richard Frederick

Richard believes that listening and follow-through are the keys to great customer service. Matching your mortgage needs to possible products, and then working tirelessly throughout the process so that you don’t have to.

Prior to joining Guarantee, Richard spent 20+ years working as a professional actor. Appearing with many local companies, and traveling across the country to work with some of the top theatres in the U.S. He holds a Master’s degree from George Washington University, and attended Louisiana State University as an undergrad.

He is an avid softballer, and a fanatic sports fan.


Equal Housing Opportunity

NMLS #1647980|APM NMLS #1850

CA-DRE #02025529|APM CA-DRE #01215943

Veronica Mora

Equal Housing Opportunity

NMLS #274972|APM NMLS #1850

Richard Henry Kramer

As your trusted advisor, I will walk you through the entire process from pre-approval to the closing of your new loan. I have over 20 years of experience in the Lending Industry and will work hard on your behalf to find you a competitive loan program that fits your needs. Whether you are a first-time home buyer or a seasoned investor, my team and I are available and ready to assist you. Please call with any questions you may have. We look forward to working with you!

Equal Housing Opportunity

NMLS #1220741| APM NMLS#1850

CA-DRE #01197164|APM CA-DRE #01215943