Delivering a Better Choice for Homebuyers

Buying a home is one of the biggest investments you will make. We’re dedicated to providing a high-quality lending experience.

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Why Guardian is The Better Choice

The service, our people: We truly put the customer first, and do what it takes.

Our flexibility and understanding: We have the knowledge to work through solutions with customers and can provide a lending experience with both product offerings and services that others can't match.

Our product offerings go beyond the limiting restrictions of other companies.

We service the loan through the life of the loan in most cases.

We've been around since 1965 and survived many difficult periods in the real estate market.

We Are With You, Every Step of the Way

Step 1: Pre - Qualification

This is the start of a long friendship. Pre-Qualification gives eligible customers the likely assurance of a loan even before choosing a home. This provides you with the peace of mind to search for homes within a comfortable price range

Step 2: Loan Options

We have a variety of home loan options to match your financial needs. At this step, Guardian verifies your ability to repay the home loan and locks in your interest rate.

Step 3: Loan Processing

Throughout this step, our Processing team is busy on your behalf, keeping the application process in motion through verification of employment, residential appraisal, collection of additional documents, and more.

Step 4: Underwriting

Using the gathered data, documents, and appraisal, underwriters determine whether the loan presents an acceptable level of risk – the final approval/rejection for the mortgage – and meets all required guidelines for the loan program.

Step 5: Closing Documentation

You're almost there! At this step, the loan file goes through a pre-closing review for quality assurance and the closing instructions are prepared.

Step 6: Loan Closing

The Borrower receives an approved Closing Disclosure Statement 24 to 48 hours prior to closing. The Borrower, a title company representative, and a Guardian Mortgage loan originator meet to sign and make copies of the mortgage loan documentation. Then … Congratulations!

Step 7: Loan Servicing

Sit back and relax in your new home, while we take care of the administration aspects of your loan. Just continue to make timely payments on your mortgage and we’ll do the rest.

What Our Customers Say

Communication is key in the loan process and Diana nailed it! She not only found a construction loan program that best fit our family’s needs, she was also incredibly patient with our questions and thorough with her answers. From pre-qualifying all the way to closing, Diana kept us informed and guided us along the way. Without us asking, she took time out of her busy schedule to meet us at our signing appointment to be available in the event any questions came up. We closed the loan on time and our builder is already onsite and construction of our Barndominium is underway. We are looking forward to working with Diana again when construction is complete to refinance our loan. Diana and her team were, all-around, wonderful to work with. We will highly recommend her to friends, family, and anyone looking for a loan to build, purchase, or refinance their home.

Dione

Horseshoe Bend, ID

May 04, 2024

Larry answered all my questions and continuously kept me informed during all stages of the loan process.

Mohamed

Tacoma, WA

May 03, 2024

We previously worked with Michelle on our commercial building. So we were very comfortable having her handle our new house mortgage. She is very responsible, efficient and patient! We highly recommend her to others.

Pamela

Loudon, TN

May 03, 2024

Communication throughout the process was outstanding

Philip

Bella Vista, AR

May 03, 2024

Luke Baker is a great lender who I had the pleasure of working with as the listing agent for the house that his clients purchased. He was extremely thorough and always updated all parties. For a lender to directly keep the listing agent updated on how we are looking is a breath of fresh air. I would definitely recommend Luke to any buyers looking for a lender who is responsive, reliable, and knowledgeable!

Nick

May 03, 2024

Alex was very very quick in the right response.

Johan

Lowellville, OH

May 02, 2024

Valerie was the best she know what she needed and was always on top of everything she would keep you informed of everything that was going on she would answer all questions I enjoyed working with her

Hermilia

Wallisville, TX

May 02, 2024

We loved how our loan officer was so nice and Took the time to explain everything that we didn’t understand. She always answered our emails quickly as well. We highly recommend

Kayleigh

El Paso, TX

May 02, 2024

Callie. Went above and beyond. She answered all my questions in a timely manner, was very friendly.

Melody

Spokane, WA

May 02, 2024

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Marietta Companie

Greenwood Village, CO

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Delivering a Better Choice for Homebuyers

Why Guardian is The Better Choice

We Are With You, Every Step of the Way

Step 1: Pre - Qualification

Step 2: Loan Options

Step 3: Loan Processing

Step 4: Underwriting

Step 5: Closing Documentation

Step 6: Loan Closing

Step 7: Loan Servicing

It’s still a great time to buy – we can help!

Helpful Resources

What Our Customers Say

Welcome New Mortgage Loan Originators

Hank Leines, Jr.

Dan Francis

Jaime Richmond

Natasha Chelone

Mark Pendley

Dave Lind

Douglas Rupp

Laura Hanson

Eric Vander Werff

Mario Alvarado Rios

Marietta Companie