What people are saying... What people are saying... Back to profile
Every aspect was professional and accurate
Jeffrey B. - San Francisco, CA | Apr 2022
Amazing service, streamlined process. I cannot believe the positive difference between you and my last provider.
Wayne L. - San Francisco, CA | Feb 2022
CJ and team know what they're doing. They are highly competent, quick, are well versed in the details, and make things happen. Coupled with the Guaranteed Rate works, you have a really nice setup.
Gautham M. - San Francisco, CA | Jan 2022
Fair, competitive and easy process
Denise L. - San Francisco, CA | Jan 2022
Several excellent experiences with CJ Kerls and team.
Jonathan D. - San Francisco, CA | Jan 2022
The people working at Guarantee Rate are amazing. The service level is high. Everyone is so helpful and friendly. It makes a stressful process much easier. They also always come through on the best rates and support in figuring out complex options.
Statia H. - San Francisco, CA | Jan 2022
Great service. Easy to follow steps.
Michael B. - Santa Cruz, CA | Nov 2021
It was a pleasure working with CJ Kerls and his team. They made it as simple as one can make this process. Very happy and am working with him again on my next project!
Jan S. - Woodside, CA | Oct 2021
Every single aspect of the experience was far above all the mortgage experiences we've had before.
Charlotte H. - Sacramento, CA | Oct 2021
Effective, clear and fast service.
Nathan T. - San Francisco, CA | Oct 2021
Fast, efficient, courteous
James S. - Kensington, CA | Sep 2021
Everyone was both warm and professional - a rare combo! Everyone was also really quick to respond to emails and to hold my hand as I learned about the process. I appreciated all of it!
Eliza F. - Petaluma, CA | Sep 2021
CJ and his team were very responsive & quick to turnaround requested information
Ben H. - San Francisco, CA | Aug 2021
Has been very helpful in understanding and explaining everything involved as a first time home buyer
Kelly L. - San Francisco, CA | Aug 2021
We have worked with CJ for years and he works with us to meet our needs.
Michael F. - Sacramento, CA | Aug 2021
Amazing service from start to finish, great loan option.
Emily F. - San Anselmo, CA | Jul 2021
Got the service we were promised.
Elizabeth H. - San Francisco, CA | Jul 2021
Because the professionalism & the smoothness of everything that took place!
Oriel K. - Novato, CA | Jun 2021
The Guarantee Rate team is great work with through a home purchase process and has been able to solutions to complicated buying processes in San Francisco
Statia H. - San Francisco, CA | Jun 2021
Because CJ and team are awesome - i have worked with them multiple times over many years and refer them to my friends and family
Erik S. - San Francisco, CA | Jun 2021
CJ has been been outstanding. He remained dedicated to helping us over an extended period of time.
Jonathan D. - San Francisco, CA | May 2021
Very friendly people to work with.
Brendan F. - San Francisco, CA | Apr 2021
CJ really made an effort to understand our situation and to help us figure out how to qualify. The team and the overall process was smooth, efficient, and easy to follow.
Vincent D. - Oakland, CA | Apr 2021
CJ and team are wonderful to work with. Prompt response, professional and good sense of humor.
Susan G. | Mar 2021
CJ was very helpful and his team made the experience very easy.
Joby H. - Oakland, CA | Apr 2021
I had concerns that this process would be onerous given the lock down restrictions but it was not at all
Linda H. | Mar 2021
Great rate, no closing costs. CJ Kerls was great at walking me through different loan options and finding one that really worked for my situation. He was very responsive, patient, and thorough in explaining everything.
Alex T. | Mar 2021
Trust worthy, transparent, excellent communication
Alan L. | Dec 2020
I am very satisfied with the service I received.
Mehrdad A. | Sep 2020
CJ, Chelsea, Steve, and Justin are awesome! We always appreciate working with them. We have worked with CJ's team 4 times now and will do so moving forward. We have also sent him a number of referrals.
Erik S. | Dec 2020
CJ was on top of everything throughout the entire process. He always had a fast response to all of my questions and whenever he said something would be done he made sure it was.
Ernesto O. | Sep 2020
You made quick work of a complex process, and kept us well informed throughout.
Nathan C. | Dec 2020
CJ and his team were super responsive and helpful throughout the process!
Colleen G. | Aug 2020
They were easy to work with and very responsive. They always got back to me right away when I had questions.
Crystal C. | Sep 2020
CJ and his team do excellent work
John F. | Dec 2020
Very helpful and responsive
Lucie M. | Sep 2020
Very responsive, knowledgeable, helpful and friendly.
Megan H. | Oct 2020
CJ has been a joy to work with since the very beginning of the process.
Elizabeth H. | Nov 2020
Website was great - made it clear to see the process. Team was responsive and fast - helped us to meet a particular closing date.
Matthew W. | Dec 2020
Good communication and platform
David G. | Jul 2020
Excellent and convenient service.
William H. | Jun 2020
Timely communication and organization
Timothy G. | Jun 2020
CJ and his team were very efficient and great at communicating the whole process.
Roberto R. | Jun 2020
Customer service from CJ Kerls
Susan D. | May 2020
I've worked with CJ at GR a few times and things have worked out well.
Harlan H. | Feb 2020
CJ Kerls made it easy to apply and explained every step of the process.
Susan G. | Jan 2020
really like working with you. Will continue to finance with you
Edwin S. | Dec 2019
Responsiveness and positive attitude to resolve problems that came up during the refinancing process
Jose U. | Sep 2019
CJ and his team made the loan process so easy for me! I didn't even have to go in to an office, which I appreciated because I've moved out of the city. I uploaded the required information (the hardest part was collecting statements from my credit union, which for some reason doesn't format its online statements), responded to questions sent to me by various members of his team, found a satisfactory insurance package, put CJ in contact with my realtor, and got frequent updates on the status of my loan request. I now have a new home, thanks to CJ and crew.
Hagar J. | August 2019
CJ Kerls and team made the process easy, logical, and navigated each step with confidence and clarity. Thank you!
Denise L. | Aug 2019
The process was easy and CJ and his team was friendly and knowledgeable.
Jennifer J. | May 2019
This was our first time buying a house, CJ and team made it easy for us and helped us in every step. Definitely recommended.
Shivanand A. | March 2019
The experience was seamless, especially for a first time home buyer. CJ Kerls and his team worked with us and gave us multiple options based on what we are willing to spend.
Don C. | November 2018
Cj is the man!
Kevin M. | May 2018
Thank you to CJ, Steve, and Justin for all of the amazing help on our loan. We've now used Guaranteed Rate 3 times in the last 3 years and don't plan to go anywhere else for our future loan needs. Everyone has been incredibly polite, friendly, and helpful in answering all of our questions. Truly one of the best customer experiences I've had. Thank you!
Michael W. | April 2018
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
CJ Kerls and his team were amazing. They worked very hard very quickly to get my loan secured. They were wonderful to work with, and made it easy for me to purchase the home of my dreams. I highly highly recommend them.
Sarah H. – Oakland, CA | June 2015
CJ Kerls delivered exceptional service.
Robert W. – San Francisco, CA | Dec. 2014
Closed in 14 days with an amazing team. I could not ask for better! Special thanks to CJ, Chelsea, Lucy, and Steve. Great team, good communication, closed smoothly and quickly.
Tonny M. -- 11/17/2014
CJ was amazing to work with! CJ and his team went above and beyond expectations
Nicholas P. -- Concord, CA. 9/24/2014
CJ and his team were exceptionally good at finding a loan solution when other banks could not do so, and for delivering on the process from start to finish in record time. I was one week into a 30-day close when my financing fell through at another lender. CJ and his team sprung into action. They found a viable loan option with very competitive rates, and managed to close it one day early, even with a 7 day delay to begin with! I would certainly recommend CJ at Guarantee Mortgage to anyone looking for expert guidance on mortgages.
“I worked with CJ Kerls to secure my first mortgage and I was very happy with all of the information and transparency he provided during the process. CJ and his team were very pleasant to deal with and were always quick to respond to the many questions I had along the way.”
Ben J. – San Francisco, CA – 8/2014
CJ is a delight to work with. He has extensive knowledge of the various loan products and works seamlessly with his clients to meet their goals for the best mortgage available. He has a way of making his clients extremely comfortable as he is able to answer questions in a timely fashion with a full explanation of the loan process. Clients should not hesitate to utilize expertise-as you can't find a better mortgage broker!
Louise M., 8/20/13
We love CJ. He helped us with both our initial mortgage and a refinancing. We found him to be quick, reliable, easy to work with and honest. We would recommend him again and again.
CJ Kerls is indispensable. We were so lucky to benefit from his expertise, patience, guidance & professionalism. CJ was our advocate--he partnered & celebrated with us every step of the way. He is a shining star & I cannot imagine our home buying experience without him. CJ well surpassed all my hopes & expectations & I will be forever grateful to him. A++++
Kate H., 8/21/13
We were condo shopping in the heart of the latest boom, getting outbid left and right. CJ worked with us for nearly 8 months, providing realistic numbers for what we could afford with current rates with each of our offers and helping us to understand the ins and outs of different mortgage options. When we finally got our condo, his estimates were spot on for all the closing costs and related fees so there were no surprises on closing day. I'd recommend CJ in a heartbeat.
I would absolutely recommend CJ Kerls. He was able to find financing options that worked for us and was extremely attentive to any questions or concerns. His response time was very quick on providing multiple offer letters and financing options even as rates were changing very quickly. His assessment of total cost was very helpful in us feeling comfortable with the total loan value. In addition, he was extremely pleasant to work with and we felt like he was on our side.
Statia, Finance Manager - 9/24/13
CJ is great. I was hesitant to go through a broker rather than directly to a big bank but the proof is in the pudding. I shopped around BofA, Chase and USAA but CJ got me the best rate on my loan. After my initial pre-approval things just got better. My final interest rate was LOWER and so were all my fee's. What a pleasant surprise! CJ saved me tens of thousands of dollars.
Sean C., 10/7/13
CJ Kerls helped my partner and I close an impossible loan transaction last month in spite of the credit crunch. The home we purchased was a foreclosure, had code violations, had been illegally converted into two units (we were trying to finance it as a single family home... which is what it should be), and had recently been involved in a drug ring that was busted by the Feds (hence the foreclosure). In other words, even without the credit crunch it would have been challenging... and CJ got it done in less than three weeks. If you need a deal to go th
Joshua M., 10/22/13
CJ Kerls is the man. He was able to help me and my realtor put together a reasonable FHA loan with some pretty wacky requirements for out of pocket on my end. Over the course of about two months there were probably 100MB in attachments sent between us, but never once did I have to take time off of work to do something silly like go into their office to sign yet another redundant, unnecessary form. If you're looking for a mortgage broker that is on your side and really knows his stuff, look no further than CJ Kerls.
Matthew W., 10/29/13
CJ Kerls is a fantastic mortgage broker. He anticipates problems before they occur so he can solve them. He is knowledgeable about every new regulation and keeps up with the constantly changing lending environment we've been "enjoying" the last couple of years. It's all about getting the job done in the time required and CJ gets it done every time!
Tim G., 10/30/14
Once we made an offer, CJ was right there pushing the whole thing along. Our transaction was incredibly complicated, and CJ kept everything sorted out and kept us in the loop throughout the whole process. He and his team pushed the right people when pushing was needed, saw pitfalls and helped us avoid them, and when problems did arise, he was right there with a solution. I can't recommend CJ highly enough.
Our agent referred us to C by saying "if you're going to do this type of loan, I wouldn't feel comfortable working with anyone else." Boy, was she right! Besides the baseline fact that CJ was able to offer us great rates, he was really exceptional to work with. CJ took an afternoon to sit down with us and walk us through the loan process. He explained every -- and I mean every! -- little cost, line item, expense and potential pitfall. He explained every assumption he was making, gave us a TON of options, and helped steer us in the right direction when we didn't know what we were doing.
Can't say enough good things about Guarantee Mortgage and CJ Kerls in particular. He was responsive through the whole process, walked me through the logistics of buying a house, and helped me figure out what would be in my price range. In particular, his summary sheets breaking down the purchase price, down payment, closing costs, tax writeoff amount and net monthly payments were really useful in the planning process. At the end of the day he got me in the best possible mortgage. I'll definitely use CJ again.
Cam D., 11/7/13
CJ Kerls is a mortgage master! I was referred to him by my killer real estate team of Peter Goss and Robert Dana (Zephyr). CJ rapidly and creatively overcame various hurdles in my loan process, helping me to buy a new home in Marin before selling my condo in the city. He worked out bridge financing for me by arranging a 2nd mortgage on the new home, which can be paid off without penalty as soon as we sell our condo. CJ kept me up to date with the status of my loan at all times, fielded all of my annoying questions, and was always friendly and pleasant to deal with. Highly recommend!
CJ made the whole mortgage process simple, painless and quick. I recommend him for any mortgage and financing needs; and will definitely work with him again when in need!
Shakir K., 11/21/13
CJ and his team (Jason and Maria) were great to work with on my recent refinance. CJ informed me of the options early on and communicated with me during the whole process. I was very pleased to recieve the financing and significantly reduced my monthly payment. I would definitely recommend CJ and Guarantee Mortgage and plan to use them again.
Brad G., 11/25/13
Very nice and helpful people throughout the entire process.
Daniel M. - Healdsburg, CA | Jul 2022
I have worked with CJ on 2 condo purchases over the past 18 months. He has a knack for listening well and responding quickly. I especially appreciate his ability to boil a lot of fluff down to the essential solution. I would recommend CJ as your go to guy in securing the place of your dreams!
Lucy H., 12/5/13
CJ, Mary and Cybil were very helpful. Always available to answer my questions. Professional, friendly held my hand through the process.
Denise G. - Santa Rosa, CA | Jul 2022
I have recommended CJ to my clients for the past ten years. He has loads of experience with mortgages, but most importantly he is someone that under promises and over delivers, a rarity! He will not promise you the moon to get your business, but he will deliver what he offers. His ethics and knowledge are a real treasure, and when I have a difficult question he is the person I call.
John F., 1/8/14
Excellent customer service, speed, and care
Melanie S. - Pacifica, CA | Jul 2022
All the people I worked with were amazing, specially Rain and Justin.
Thais M. - Fuquay-Varina, NC | Aug 2022
Better terms than “high profile/old school” banks.
Kristen M. - Daly City, CA | Nov 2022