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Started Jul 1, 2010

 

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Guarantee Mortgage posted a blog post

China fears in the news!!

A slowdown of the superhot Chinese economy is the new fear of the day, and that is hurting Stocks and helping Bonds push higher. Also helping to lift the Bond markets today was a tame inflation reading from the Core Personal Consumption Expenditure for August while year-over-year inflation was within the Fed’s comfort zone. We must be mindful of how quickly sentiment can change. We have seen the sentiment on the economy go from pessimistic, to optimistic back to pessimistic all within a…See More
Sep 30, 2011
Guarantee Mortgage posted a blog post

Rates remain low

Mortgage Bonds are trading to the downside this morning and comes after yesterday's late day sell-off as Stocks rallied towards the close of business, which helped to push Bonds lower.There are no economic reports set for release today, but with another round of Treasury auctions this afternoon, and the events in Europe , there is plenty of action to move the markets and as we all know anything could happen very quickly.Rates remain at historic lows. Real Estate Broker, CA Dept of Real…See More
Sep 13, 2011
Guarantee Mortgage posted a blog post

Rates are at historic lows

Mortgage Bonds are starting the day higher as Stocks plunge due to increased recession fears and the ongoing problems in Europe .In economic news, the ISM Service Index rose in August from the previous reading but the better than expected number was shrugged off by Equity investors.I don't see home loan rates falling much further from current levels due to the fact that lenders are overwhelmed with volume and working with skeleton crews. But there is no denying that rates are at historic…See More
Sep 6, 2011
Guarantee Mortgage posted a blog post

Commercial Rates are smoking

Mortgage Bonds opened higher this morning but quickly lost those gains after the ISM Manufacturing data beat expectations.In other economic news, weekly claims still remained above 400,000 as the labor markets continue to work through its malaise.Commercial rates continue to amaze borrowers as to how low they are, call me for details.Rates remain at historic lows. Real Estate Broker, CA Dept of Real Estate License #01370741 & NMLS#2527Rates and Programs Subject To Change Without NoticeSee More
Sep 1, 2011
Guarantee Mortgage posted a blog post

Mortgage Bonds are trading higher getting a boost from weaker than expected housing numbers and manufacturing data.

 Giving Bonds a further boost is weakness from the Stock markets after a mixed bag of corporate earnings reports. In addition, the closely watched S&P 500 closed below a key technical support level yesterday and stocks are following through to the downside today. carefully watch the action in Mortgage Bonds today as they are now pressing up against resistance at the 200-Day Moving Average, anything can happen very quickly. Rates remain at historic lows.Real Estate Broker, CA Dept of Real…See More
May 17, 2011
Guarantee Mortgage updated their profile
May 16, 2011
Guarantee Mortgage posted a blog post

Mortgage Bonds are trading higher, following a consumer inflation reading that essentially met expectations.

 One of the Fed's QE2 goals was to create inflation and avoid deflation - it appears that they have been somewhat successful as the risks for deflation have somewhat abated. We could see improvement in rates for the short term, rates remain at historic lows.Real Estate Broker, CA Dept of Real Estate License #01370741 & NMLS#2527Rates and Programs Subject To Change Without NoticeSee More
May 13, 2011
Guarantee Mortgage posted a blog post

Mortgage Bonds are trading near unchanged after some mixed economic data was released this morning.

Inflation on the wholesale level on a year-over-year basis is heating up while initial jobless claims remain above the 400,000 level. The Treasury will auction 30-year Bonds this afternoon and the results could impact the debt markets, at this moment the bonds are selling off probably due to a weak auction, this means rates will move higher today and we should see some unfavorable pricing. Rates remain at historic lows.Real Estate Broker, CA Dept of Real Estate License #01370741 &…See More
May 12, 2011
Guarantee Mortgage is now friends with OPTIONS Family of Services and Water Release Therapy
May 10, 2011
Guarantee Mortgage posted a blog post

Today's Bond Tidbits

Mortgage Bonds are trading near unchanged as prices remain capped by the unyielding overhead ceiling of resistance.There are no economic reports today, but the Treasury will sell $32B in 3-Year Notes and will impact the markets when the results are released.Mortgage Bonds have moved sideways each of the past couple days after hitting that ceiling of resistance and as the Bond tests this level and is unsuccessful to break above, this ceiling of resistance becomes even more formidable and tougher…See More
May 10, 2011
Guarantee Mortgage posted a blog post

Bonds have had a great couple of weeks and as a result, home loan rates have come down.

Looking ahead - even with potentially slower US growth and uncertainty in Europe (which helps US Bonds) - the Bond market still has many fundamental and technical headwinds for meaningful improvement. So while we are encouraged by the recent trend in rates - I will feel more positive and bullish for even lower rates if the Bond can break above nearby resistance, when this happens we should see significant improvement in rates. Rates remain at historic lows.Real Estate Broker, CA Dept. of Real…See More
May 9, 2011
Guarantee Mortgage posted a blog post

Changes at Guarantee Mortgage

Pacific Riviera Mortgage has taken the name of our parent company. We have now become a direct lender! What this means to our clients is that more options are available to them. We are now Guarantee Mortgage, same great team, same great service,now with more options for you! Please call for more details.  Real Estate Broker, CA Dept. of Real Estate License #01370741 & NMLS #2527Rates and Programs Subject To Change Without Notice.See More
Apr 25, 2011
Guarantee Mortgage posted a blog post

Mortgage Bonds are starting the day higher. There are no economic reports set to be released today, but the Bond market will have a 7-Year Note auction to contend with. Yesterday's sharp sell off in…

Mortgage Bonds are starting the day higher. There are no economic reports set to be released today, but the Bond market will have a 7-Year Note auction to contend with. Yesterday's sharp sell off in the Bond market was sparked by very weak results from the 5-Year auction, currently bonds are up 68 bp and climbing as investors grab up the bargains. What this means for rates is that we will see improvements form all of the increases of yesterday. Rates remain at historic lows.Our office is…See More
Dec 29, 2010
Guarantee Mortgage posted a blog post

Wholesale Inflation!

Wholesale inflation, as measured by the Producer Price Index (PPI), rose in November signaling that costs seem to be on the rise for producers, but it remains to be seen if the price increases that wholesalers are dealing with will get passed on to consumers. Retail Sales came in better than expected, suggesting that consumers are feeling good about the economy…enough to go out and spend generously for the holidays. Today with the fed meeting bonds could go either way, it is sure to be another…See More
Dec 14, 2010

Profile Information

Tell us about your company! (What do you do?)
Guarantee Mortgage is a local Mortgage company owned and operated by a native Santa Barbara Business owner. Guy Rivera has been assisting homeowners for 16 years by securing the best financing terms available through established wholesale channels.
What makes your company unique?
Guarantee Mortgage is a mortgage lending institution that prides itself in providing high quality financial services to the public.

It is our mission to provide high quality mortgage programs at the most competitive rates. Our home loan programs include: purchase, refinance, debt consolidation, home equity loans, second mortgages, construction loans, and home improvement loans tailored to your unique situation.

Guarantee Mortgage acknowledges that our valued clients demand excellence in service. At Guarantee Mortgage, we value our clients and know that they have special and specific financial needs. The clients we seek are those who demand, deserve and appreciate the highest level of service and performance in all of their real estate financing activities. Our staff of mortgage service professionals makes themselves accessible to clients around the clock, and strives to obtain the best mortgage loan package no matter what the situation
What else might people want to know about your business?
As a wholesale lender, Guarantee Mortgage has access to wholesale rates through all major lenders as well as mortgage banks. Guarantee Mortgage is also a direct lender, which means more control. The best of both worlds for more financing options to the client!
Website address:
www.gmwestsb.com

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Guarantee Mortgage's UPSHOT Post

China fears in the news!!

A slowdown of the superhot Chinese economy is the new fear of the day, and that is hurting Stocks and helping Bonds push higher.

 

Also helping to lift the Bond markets today was a tame inflation reading from the Core Personal Consumption Expenditure for August while year-over-year inflation was within the Fed’s comfort zone. We…

Continue

Posted on September 30, 2011 at 1:43pm

Rates remain low

Mortgage Bonds are trading to the downside this morning and comes after yesterday's late day sell-off as Stocks rallied towards the close of business, which helped to push Bonds lower.

There are no economic reports set for release today, but with another round of Treasury auctions this afternoon, and the events in Europe , there is plenty of action to move the markets and…

Continue

Posted on September 13, 2011 at 11:11am

Rates are at historic lows

Mortgage Bonds are starting the day higher as Stocks plunge due to increased recession fears and the ongoing problems in Europe .

In economic news, the ISM Service Index rose in August from the previous reading but the better than expected number was shrugged off by Equity investors.

I don't see home loan rates falling much further…

Continue

Posted on September 6, 2011 at 12:30pm

Commercial Rates are smoking

Mortgage Bonds opened higher this morning but quickly lost those gains after the ISM Manufacturing data beat expectations.

In other economic news, weekly claims still remained above 400,000 as the…

Continue

Posted on September 1, 2011 at 11:00am

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