Burlingame Office

851 Burlway Road, Ste. 501
NMLS #1194346
Burlingame, CA 94010
Main: 650.239.4004 | Fax: 650.375.1190

Marisa Ongbhaibulya

Marisa is a San Francisco native, currently living on the Peninsula. She has over 18 years of experience in lending and has helped thousands of clients achieve their mortgage goals. Whether buying or purchasing, every client is treated as if Marisa was aiding her own family! Marisa is known for strategizing with clients how to achieve their mortgage goals and how to assist them with their future portfolio needs. Mortgage lending transactions can be very stressful, whether purchasing or refinancing — she will get you to the finish line.


Equal Housing Opportunity

Sema Tosun

Born and raised in Turkey, Sema moved to the states with her family at the age of 7. She brings with her over 25 years of banking experience always making customer service and client satisfaction her main priority. During her successful banking career, she developed a huge passion for residential lending and obtained her NMLS Mortgage Lending license. Sema is also the owner of Stamp Bar and Grill restaurant in San Carlos and has over 16 years of experience in the hospitality industry as well. Growing up in the Bay Area Sema was widely respected and honored for her community volunteer efforts and her advocacy in philanthropic work was one that was reckoned with. Sema decided to pursue a lifelong dream and founded her own non-profit, establishing Fund A Need (FAN) in Feb of 2014. Sema’s non-profit helps low-income struggling seniors in the Bay Area.

As A Loan Officer at Guarantee Mortgage Sema brings with her a winning infectious personality along with a very rich sphere of connections. Her years of experience in business management, community involvement, people & social skills, finance, and a savvy go-getter approach are just a few of her attributes. Along with her diverse background and sphere of influence, Sema brings with her a winning infectious personality and years of professional expertise. She has been hugely recognized and awarded for her long list of achievements, successes, and efforts from many local & State dignitaries.

When she does find time for herself with the many hats she wears, Sema enjoys working out, boxing, traveling & spending time with her friends & family.

Sema Tosun currently resides in Redwood Shores with her husband Steve.

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.

APM CA-DRE #01215943
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

Vince Breen

Vince has been one of the most highly regarded mortgage brokers on the San Francisco Peninsula for the last 25 years.  Vince is currently a Vice President/Branch Manager of the Townsend office and also served on the Board of Directors for Guarantee Mortgage.

Vince is a 5th generation San Franciscan, whose family has long ties to the real estate community throughout the Bay area.  Vince’s extensive network of satisfied clients, realtors, and escrow officers has fueled the basis of his success over the years.  Vince’s knowledge and expertise combined with his team’s attention to detail are imperative in today’s challenging lending environment.

Equal Housing Opportunity



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