I began my career in lending in 1977 with Wells Fargo.  After I left the bank in 1984, I went in a completely different direction. I became an electro-mechanical draftsperson. Fascinating, but it didn’t pay well. In 1986 I got my real estate license and sold real estate in San Francisco for a little over 3 years.

In 1989, just before the big quake (the second one, that is), I was courted to come back into lending and signed on to join Real Estate Financial Services (now a branch of Guarantee Mortgage). I started with REFS in early 1990. I was the top producer at REFS for nearly all of my tenure with them, which spanned over 15 years. In 2005 I decided it was time to spread my wings and make a change, so I joined First Security Loan at their Sutter Street branch. Following the financial meltdown, First Security elected to close their operations in 2009.  I joined Guarantee Mortgage in late 2009, and now have my own office–back at 1388 Sutter Street.

I am a member of the California Association of Mortgage Bankers. I do loans all over California. The transactions I do range from all types of residential loans to TIC’s, to equity lines, construction and commercial apartment building loans.

Patty Souza

Guarantee Mortgage

1388 Sutter Street, Suite 1215

San Francisco, CA 94109

(415) 869-6119 Direct

(415)292-5386 Fax



NMLS #237191