Phillip Cannon | SVP of Mortgage Lending | Guaranteed Rate 4th St, San Francisco

I can't say enough great things about Phillip and Robert! We just bought our dream home and they made the entire loan process easy and seamless for us. They were super professional and very responsive. Our realtor even commented on how on top of their game they were. It felt like they were a part of our team every step of the way. If you want to work with the best of the best, then look no further. Thank you Phillip and Robert! :)

We recently purchased our first home and like so many other first-time home buyers we weren't certain where to begin. I did a little bit of research and found Phillip and his team. I reached out to him through his website one morning and I was contacted by Robert within a few hours. From there Robert started taking me through the process, gathered some financial information and then a day later we were pre-approved and knew what we were working with. After that, any time we needed to have a question answered or we were interested in putting a bid in they were there and getting everything done ASAP. They communicated very well with us and our agent. As we went into contract they were always there to make sure we got the forms we needed together and were ready to answer any question, no matter how small. More of Phillip's team joined in as the process went along and each person clearly explained what they were doing, what they needed from us and when it was needed. As we got close to closing Phillip and his team assisted us with insurance policies and found us an even better deal that we found a few days earlier. Phillip also reached out after we closed to reiterate that he would be happy to help answer questions if we had any that came up. He also sent an email afterward explaining some of what would and could happen in the next month or two as we begin paying our mortgage. Overall, we were extremely satisfied with Phillip and his team at Guaranteed Rate. We worked primarily with Robert and Phillip, but every person that played some part were professional, helpful and got everything done quickly.

Believe the hype! I first spoke with Phillip in 2012 regarding a refi but, at the time, it made more sense to take a home equity loan with my credit union. Here, in 2016, there was little doubt about where to go for our regular single family home loan and we only needed apply with one broker, Phillip Cannon at Guaranteed Rate Mortgage, which we did. Phillip and his team did everything possible to make sure we'd close our home loan on time. And when an error occurred in the loan disclosure process, as they often do in something as complex as a real estate closing, he personally addressed the issues and at a level of integrity which is unheard of in the San Francisco "get away with whatever you can" real estate business climate. Not only did he and his team fix the problem to our satisfaction, but helped to offset our inconvenience of a delayed closing by one week, an additional week in a rental property while we were between homes. Again, it's not the end of the world that an error or issue occurs, it's how a broker or company responds and handles it, treating the borrower as the customer, not the bank. Phillip handled our account expertly, and again, at a level of integrity which went above and beyond our expectations. It had been suggested early on in our loan process that we could find a slightly lower rate at a large TARP bank like Citi or JP Morgan Chase, but we opted to go with a local broker with a stellar reputation: Phillip Cannon. And while your loan is likely going to be sourced from a TARP bank no matter where you turn, I'm glad the front end was brokered by local and great people. If you're looking for a home loan at a competitive rate, great service and responsiveness with honesty, look no further!

Eric and his team had been great to work with. They are very efficient and quick in responses and getting all the documentations needed to make the process smooth. Highly recommend him and his team.

I cannot recommend Phillip and the team enough. Phillip helped us tremendously throughout the process of purchasing our first home, and we had such a great experience that we knew without a doubt that we would reach out to the team again when we decided to look for a new home. Over the course of a year in finding our next home, Phillip supported us through all the ups and downs, giving us helpful insight along the way and answering our multitude of questions with patience and thoughtfulness. During a time when all the interest rates weren’t looking very promising, I’m astounded that Phillip was able to find and secure an excellent rate for us. I have so much appreciation for Phillip and the team. Beyond being true experts in the field, they are such enjoyable people to work with. I highly recommend Phillip and the team for anyone looking to finance or refinance a home.