Joel Marks

Joel, a Bay Area native, has had an extensive career both inside and outside the mortgage world.

After graduating with a double major from UC Berkeley, Joel moved to Washington, D.C., where he worked on a variety of Congressional, Senate and Presidential campaigns before founding a national small business advocacy organization.  In this role, he mobilized business owners from around the country, helped enact legislation at the state and federal level and was a recognized leader on business issues.  He has been interviewed by dozens of publications including The Wall Street Journal, Washington Post and Business Week and was profiled in Entrepreneur Magazine.

Following his 15-year career in politics, Joel was recruited into the mortgage industry at Washington Mutual.  While there, Joel was well-known for his innovative marketing campaigns that led to hundreds of millions of dollars of broker loan originations and earned him a spot in WaMu’s distinguished President’s Club.

Joel switched to the consumer side of the business upon receiving his state license in 2008 and has been a top performer ever since.

Joel is married to a childhood friend, Jennifer, who is a local Realtor in Marin.  Jennifer and Joel have three children and are very active in their community, volunteering at the schools, cooking and delivering meals to neighbors with newborns or sick family members and supporting their kids’ various sports teams.


Equal Housing Opportunity


Risa Joy Meyer

Risa Meyer has been in the mortgage business since 1984, always proud to be affiliated with organizations that reflected the same high standards she prides herself on: Commitment, Ethics and Service. First she was with Citibank, and then she moved to First Security Loan Corp in 1991 as a State Licensed Mortgage Originator.   She tells us, “I was immensely proud to be affiliated with two of the top mortgage lenders in the Bay Area,. And now I’m thrilled to be able to continue my career with Guarantee Mortgage,”

Risa is a professional, detail oriented, creative problem solver. She becomes her clients’ advocate, and the liaison between them and the other service providers who may be part of the transaction. She makes herself available to answer her clients’ questions, and keeps them informed each step of the way.

“I want to get to know my clients, and what is important to them.   I sincerely care about their interests and strive to package a loan that will satisfy both their personal and financial objectives with competitive options.”

As part of Risa’s commitment to service, she is a volunteer mediator with Community Boards, a San Francisco organization dedicated to empowering residents with the skills and resources needed to help resolve conflict. She is also a long term Board member with her Ski Club. In her free time you can find her enjoying the moment with friends, usually followed by a good meal!  Loves to play tennis and golf.

Risa is licensed with the DRE and NMLS, and is a member of SFBOR, CAMB, and NAMB.

APM CA-DRE #01215943
Equal Housing Opportunity

Suzanne Diliberto

Suzanne Diliberto has been in the mortgage business since 1989.  She has consistently received achievement awards for outstanding production and customer satisfaction.  Suzanne is a college graduate, has a current Real Estate license and an NMLS license and is waiting to take her Broker’s Exam.  Suzanne’s key to success is putting the client’s interests in front of her own.  As a result, she has a very strong referral network and has had a very successful 25 years in an ever-changing industry.  Suzanne’s claim to fame are her analytical skills.  She is proficient in analyzing personal and business tax returns and an expert underwriter.  Suzanne loves Real Estate and thinks everyone should own some!  She resides in Mill Valley, Ca. but can lend anywhere in California.  You can find her on Facebook, Linked In and Reach 150.

APM CA-DRE #01215943
Equal Housing Opportunity

Bob Siefert

My goals as a Senior VP here at Guarantee Mortgage:
**For Realtors**
My Goal is to make sure all Guarantee Mortgage Loan Officers will be TEAMMATES in building your business. This means providing ideas to help you grow your business, ensuring every client referral is thankful you sent them to Guarantee Mortgage and that we close your purchase or refinance referrals on time. Ask us about our “KEYS ON TIME” and “SECURE LOCK” programs.
**For Loan Officers**
My passion is working with producing Loan Officers that are looking to improve their level of service to their clients with a strong platform of success, competitive rates, a multitude of loan programs and successful service oriented support staff. My focus is on your success and helping you shape a plan for action with marketing resources including:
+ Banking & Wholesale Platforms
+ Competitive Jumbo & Agency Mortgage Products
+ Unmatched Pricing with a Competitive Compensation Model
+ Loan Scenario Assistance
+ Delegated Underwriting
+ In-House Support Staff
+ Commercial Financing
+ Bridge Loans and more….
Let Guarantee Mortgage help take you to the next step in your career.
**About Me***
I joined the Guarantee Mortgage Family in 1991 and assisted in growing the company to a successful and respected mortgage company in Northern California funding over 2 Billion in Loans annually with thousands of happy clients. In 2014, Guarantee Mortgage  joined forces with American Pacific Mortgage Corporation.  APMC with $8.1 Billion in loan production was ranked as one of the top 15 Mortgage Companies in America (by Mortgage Executive Magazine). In joining forces with APMC, Guarantee Mortgage becomes an even bigger player in the SF Bay Area real estate market.

APM CA-DRE #01215943
Equal Housing Opportunity

Kathy Derangi

Equal Housing Opportunity


Jihad “Jay” Totah

Jay has 20 years of experience in the mortgage and real estate industry, specializing in mortgage financing. He graduated from San Francisco State University with a Bachelor of Science Degree with an emphasis in Marketing. Since then he has been licensed as both a real estate sales agent and, starting in 1997, as a mortgage broker.

Jay prides himself on his dedication to client service and his attention to detail. He is knowledgeable about all aspects of home and commercial financing. You can count on his efficiency and expertise.

Jay grew up in San Francisco and graduated from Archbishop Riordan High School. He moved to the Peninsula in 1986. He is married with two adult sons, and enjoys hiking, being out in nature, and staying fit.


APM CA-DRE #01215943
Equal Housing Opportunity

Alan Dean Kirth

With over 25 years of experience in commercial and residential financing, Alan has helped countless clients attain their financial wealth building goals through real estate. Alan is passionate about the mortgage business and is committed to creating positive outcomes for his clients. He brings his expertise to find financing terms among multiple Lenders and working tirelessly to get the loan funded.

Recognized as “Millbrae’s Man of the Year for 2010” by US Senator Dianne Feinstein among others, Alan is very active within his local community. He founded Relay For Life of Millbrae in 2010 and now serves as the Sponsor Chair. He is a 3 time past president of the Rotary Club of Millbrae, and serves as a current board director, having been a member since February 1986. He served as the Rotary District 5150 Interact Chairman and is the Advisor to the Interact Club of Mills High School.

APM CA-DRE #01215943
Equal Housing Opportunity

Robin Patronik

Robin Patronik is a senior loan officer with 15 years of service in Real Estate Financing. She is based in San Francisco and serves clients throughout the state of CA with a global reach. From initial inquiry to the loan funding, she will be there every step of the way.

APM CA-DRE #01215943
Equal Housing Opportunity

KC Murphy

With a strong commitment to customer satisfaction, KC Murphy entered into the Mortgage Business in 1984. During this time, he has worked from an originator to a closer. He owned his own company, Placer Financial, Inc. from 1992 to 2008. He has been a Senior Loan Officer with Guarantee Mortgage since 2008.

KC enjoys playing golf. He also is involved with coaching and broadcasting high school sports.

APM CA-DRE #01215943
Equal Housing Opportunity

James W. Argo

James W. Argo has been a Real Estate Loan Officer in San Francisco since 1984 and associated with Guarantee Mortgage since 2011.

Additional Spoken Languages: Fluent in Spanish and Italian.

Avocational Affiliations:

California Association of Mortgage Brokers
Certified Mortgage Planning Specialist
National Association of Mortgage Brokers
SF Realtors Toastmasters, Past President
Member: American Federation of Musicians
Member: Affiliate, SF Association of Realtors

Community Affiliations:

President, Lincoln Park Neighborhood Assn.
Member: Planning Assn. for the Richmond District

Career Highlights:

Most Distant Loan Placements – Denver, Seattle & Boston
Most Complex Transaction – $900K Line of Credit Secured by 5 Investment Properties
Most Gratifying – Secured the loan for a first-time buyer thus ending her 35 years in public housing

APM CA-DRE #01215943
Equal Housing Opportunity

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