232 Townsend St.
NMLS #:1194346
San Francisco, CA 94107
Main: 650.212.5050 | Fax: 650.403.1601

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.

Angie Holmgren

32 years experience as a Home Loan Consultant with demonstrated history of working in the banking industry and mortgage brokering. Skilled in construction loans, wholesale lending, home equity, mortgage underwriting, FHA/VA loans and commercial loans. Strong real estate finance skills with a Bachelor of Science (BS) focused in Finance from Colegio De San Juan de Letran, Manila, Philippines.


APM CA-DRE #01215943
Equal Housing Opportunity

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

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.

APM CA-DRE #01215943
Equal Housing Opportunity

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

Sherri Collins

APM CA-DRE #01215943
Equal Housing Opportunity

Mike Collins

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



Vicki Bahnasy

Vicki Bahnasy is a financial specialist who has over 30 years of experience on her side. She knows her business and can help you make decisions that lead to success. With a background of sales and management in the real estate industry, Vicki has a thorough understanding of the market. She has knowledge and expertise in dealing with the intricacies of the real estate process. Her accomplishments also include the designation of GRI (Graduate Realtors Institute) and she is a notary public. Vicki understands that the real estate process is sometimes confusing and intimidating, and she strives to make it a more “user friendly” process. From the start Vicki explains every step and detail of your transaction. She has the ability to foresee any potential obstacles and offer various financing options to suit your specific needs. Organized, structured and detail oriented, Vicki leaves nothing to chance. Service is the key to Vicki. By listening to the clients needs and reviewing their options, Vicki comes up with solutions that work. Today, Vicki also uses her experience and knowledge to teach new licensees real estate finance. Committed and caring, Vicki Bahnasy delivers results. Call her today.

APM CA-DRE #01215943

Equal Housing Opportunity

Scarlet Kim

Scarlet brings over 13 years of experience in real estate, management and finance to serve you.  Building relationships with clients, Scarlet listens to clients’ needs and reviews their options to come up with solutions that work.  Dedicated to her clients, Scarlet is there from the start to end always a phone call away.  Scarlet is committed to educating her clients about the different types of financing options that are available to the clients and how the products meet the clients’ payment and financial objectives.

APM CA-DRE #01215943
Equal Housing Opportunity

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