CJ Kerls at Guaranteed Rate (NMLS #243438) 4th St, San Francisco

CJ has been an incredible partner during our most recent home buying experience. We really appreciate him and his team’s help throughout the process and the speed at which they were able to usher us through the all of the numerous steps. We highly recommend him!

CJ has closed many loans for me over the past twenty years, and I could not recommend a more thoughtful, intelligent, ethical and accomplished mortgage broker. I have referred him to dozens of people and they always come back thanking me. He is also the guy to go to for creative ideas of financing, including bridge loans and other out of the box scenarios. Just last year he refinanced our second home and financed the purchase of our new single family home, both with incredible rates. His entire team is responsive and dedicated to ensuring a positive consumer experience. With the myriad of new rules related to financing mortgages, CJ is THE guy to go to. He is the ultimate under-promiser and over-deliverer in an ever changing market. Five stars!

I had a great experience recently refinancing my home with Guaranteed Rate and CJ Kerls and his team. From start to finish the team walked us through the various steps of the process and diligently guided through what was needed in order for us to be successful. The team at Guaranteed Rate are top notch and would highly recommend reaching out to them for any home loan needs--no doubt you'll be as happy as we were!

We've worked with CJ and his team three separate times now (2 purchases and 1 refi) and can't say enough good things about them. They are super responsive and move quickly, whether turning around approval letters, coordinating with lenders, or answering questions along the way. Highly recommended.

This is our fourth refinance with Guaranteed rate and Team CJ Kerls. Cj and his team have helped us refi to purchase our home, borrow money on our home and buy a vacation property. With every situation they have always been friendly, fast and professional and gotten us the rates that we needed. We will never go with another company. Thank you so much Cj and team! Your customer service is beyond exceptional.

CJ and his team provided excellent service in connection with our mortgage refinancing. They told us what to expect, communiated frequently and clearly, answered our questions and got the deal done in what seemed like record time. They utilized great technology to make the application, document submission and review processes easy and fast. 100% recommend Guaranteed Rate!

I would absolutely recommend CJ and his team at Guaranteed Rate. He has worked with us through 2 mortgages and in both cases every step was covered and we were always informed and clear on the process. But also he and his team are amazing at working through more complex mortgage situations. From 2 loans for a less than 20% down first mortgage (starter home) to helping us purchase our upgrade leveraging a HELOC so that we could be in the house hunting market without a time pressure and without moving twice. CJ and his team were always available, quick to respond and just the nicest people!

I recently re-fi'd one of my properties using CJ Kerls at Guaranteed Rate. I don't recall ever having such a painless, stress-free experience with such a quick turn-around. I even threw him a curve by changing the whole loan strategy after completion. He was very open to the idea and is working as we speak on resurrecting my loan and taking it in its new direction. What a champ! In fact, I'm using him once again for another upcoming investment! CJ is very knowledgeable and a delight to work with. Can't recommend him highly enough.

CJ and his team are the best! I have worked with CJ as a real estate professional as well as on behalf of my clients. He is quick, efficient and always closes on time if not early! I highly recommend him!

I had the pleasure of working with CJ Kerls at Guaranteed Rate 10 years ago when he helped us buy our first home. Then, more recently, we reached out to CJ again to help us with our refinance. His support, deep knowledge, and availability to jump in and help us on short notice are invaluable. I'd like to highly recommend CJ Kerls!