I'm Sylvia Curletto, and I've spent years helping San Francisco homebuyers and refinancers cut through the noise of mortgage lending — so you can make decisions you feel confident about, not just decisions that feel rushed.
Every borrower has a different story. I match you with the right loan program — not the one with the fancier name.
Whether it's your first home or your next one, I'll walk you through every option — conventional, FHA, VA, and jumbo — so you know exactly what fits your budget and goals.
Lower your rate, shorten your term, or cash out equity — I'll run the numbers honestly and tell you whether refinancing actually makes sense for your situation.
Down payment assistance, first-time buyer credits, VA benefits — I know the programs that exist and I'll help you find the ones you actually qualify for.
A solid pre-approval changes everything — it strengthens your offer and gives you clarity on what you can comfortably spend. I make the process fast and straightforward.
Building a rental portfolio or buying your first investment property? I understand the different criteria and can help you structure the right loan for your strategy.
Not sure whether to lock now or wait? I'll explain what's driving rates and help you decide based on your timeline, not market gossip.
I started in mortgage lending because I saw too many people walk into a closing process feeling lost and overwhelmed. I knew there had to be a better way — someone who would explain things clearly, answer the questions people were actually asking, and treat your biggest financial decision with the care it deserves.
At Guaranteed Rate, one of the largest mortgage lenders in the country, I have access to a wide range of loan products and competitive rates. But what I offer goes beyond the platform — it's the personal attention, the follow-through, and the patience to make sure you understand every step.
I take the time to understand your full financial picture before recommending anything. That means no pressure, no pushy sales tactics — just honest advice from someone who's been in this long enough to know what actually works.
I've streamlined the mortgage process so you know exactly what happens next — no surprises, no guesswork.
We'll talk about your goals, your timeline, and your financial situation — no obligation, just a clear conversation.
I'll present the loan programs that fit your situation and explain the trade-offs so you can make an informed choice.
With my guidance, you'll submit a clean application and navigate the underwriting process with confidence.
I'll walk you through every document before you sign, so closing is smooth and stress-free.
Real feedback from real borrowers — the kind of trust that comes from doing the job right.
Sylvia made what I thought would be the most stressful experience of my life actually manageable. She explained everything in plain language and never made me feel like I was bothering her with questions.
I'd been working with another lender for months and got nowhere. Sylvia got me pre-approved in a week and helped me understand options I didn't even know existed. I closed in 30 days.
What I appreciate most is that Sylvia never pressured me. She laid out the numbers honestly and told me when something didn't make sense — even when it meant a longer process for her.
Whether you're just thinking about buying or you're ready to apply, I'm here to help.
Thanks for reaching out. I'll get back to you within one business day.
