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

Nate is so professional in his job. We had peace of mind knowing that we can get the better rate option if rates go down after it was locked. He has been very responsive and our jumbo loan application was approved and funded in three weeks. We have been so happy with his service and definitely recommend him to everyone.

Shahrzad

Scottsdale, AZ

April 25, 2024

Sohayl went above and beyond for us in the process of buying our first home. He was always encouraging, communicative, and intentional in this process. It was a joy to work with him through a very stressful life decision. He kept his calm and always helped us understand the process.

Amy

Eagle, ID

April 24, 2024

everything from start to finish Stephanie was just so kind and professional

Tracy

Clever, MO

April 24, 2024

Dustin made this experience incredible. His attention to detail and excellent communication really sets him apart as the best in his field!

Madai

Glendale, AZ

April 24, 2024

Overall pretty painless home buying experience. Good communication and helpful staff.

Trevor

Helotes, TX

April 23, 2024

Rhonda and her team are absolutely fantastic, very good at communicating. They made the home buying process easy for us as first time buyers. They were always available to talk or answer questions when they would arise. I would definitely recommend them to anyone i know that is trying to buy a home. I would also use them again in the future should i choose to buy another home.

Clover

Medford, OR

April 23, 2024

Callie was amazing to work with and she made our home buying process a great experience!

Lydia

Medical Lake, WA

April 23, 2024

Kristin and her team walked us through every step of the process as new home buyers. I felt very supported and that this team was really looking out for our best interests. The communication was prompt, thorough, and readily available through the journey. I feel very grateful!

Carmella

Helotes, TX

April 23, 2024

Steve was great to work with through the whole process. Made it as easy and painless as possible!

Jennifer

Marana, AZ

April 23, 2024

Kelly and her team were very helpful and responsive. In our introductory meeting, Kelly really made my husband and I feel like we fully understood our options and we were empowered to get a loan that met all our goals--to buy a beautiful house while not over-stretching ourselves financially

Jessica

Santa Fe, NM

April 23, 2024

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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

Jaime Richmond

Natasha Chelone

Mark Pendley

Dave Lind

Douglas Rupp

Laura Hanson

Eric Vander Werff

Mario Alvarado Rios

Marietta Companie

Achim Reinhart