I am a Certified Financial Planner™ practitioner, Mortgage Broker, & Reverse Mortgage Specialist who holds a MBA from Santa Clara University. I've worked as a Loan Consultant since 1989 and after noticing a great need for reducing financial stress because of uncertainty in financial planning (particularly retirement planning) I've offered clients planning and insurance services since 2010.
I am a complete financial advisor with licenses and experience in Mortgages, Real Estate, Insurance (Life, Homeowner, Auto, and Annuity insurance products) and retirement planning. Sal has a CFP® Practitioner License, California Real Estate Broker License, California Life & Health Insurance License, California Property & Casualty Insurance License, is a Registered Investment Advisor with the State of California, and has a National Mortgage License (NMLS). My current office is located in Milpitas, CA.
As I mentioned I am also a Certified Financial PlannerTM. As such unlike any other mortgage lender I have a Fiduciary Obligation that I must operate under when I work with clients. A fiduciary is defined by law as a professional that must ALWAYS act in the best interest of the client and never themselves or the company that they work for. Loan Officers licensed under NMLS (The lender licensing system) specifically do NOT have this obligation. The big banks lobbyists were able to get that removed from the Dodd-Frank Act that created mortgage licensing. With me you get this which is a big help for clients.
For more information about my services, please visit; www.guardinofinancialgroup.com/
Certified Financial Planner TM
-Financial Planning, Property & Casualty Insurance, Life & Health Insurance, and Residential Mortgage Services.
Mortgage Lending, Reverse Mortgage, Loans, Strategic Financial Planning, Finance, Insurance, Investment, Retirement Planning, Financial Analysis, Business Strategy, Residential Homes, Real Estate
|Sal is wonderful. He is so knowledgeable, professional, and helpful. He has helped us so much with our financial questions and we have referred him to everyone we know who needs mortgage assistance. My husband and I met Sal when we were referred to him through the process of buying our first home. Sal offered to come out and give us advice free of charge, and has continued to do so any time we have a question or concern. He helped us work around several issues we ran into, and we really appreciate how helpful he has been. Sal responds to questions quickly, he is always willing to meet and discuss larger issues, and he explains information in a way that is clear and concise. Highly recommend using him for your mortgage needs.|