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

Guardian Mortgage is committed to helping families in our communities attain affordable housing. Let us help you find a Down Payment Assistance option that works for you!

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What Our Customers Say

5 Star Rating
Jennifer is very personable, has a great knowledge of products and financing available. She is a great communicator and very proactive. She efficiently guided us through the loan process and was regularly in touch and available to answer any questions we had. She is, by far, the best I've encountered in my years of real estate/financing. In fact, our Realtor was so impressed he is planning to use Jennifer's and Guardian in future transactions. Well done.
William
Medford, OR
May 18, 2024
5 Star Rating
Her help and knowledge and being on top of everything.
Paulo
Spokane, WA
May 18, 2024
5 Star Rating
Rick is the best at what he does, which is why he’s handled our purchases and refinances multiple times on multiple properties. It took me some time from pre-qualifying to finding the right house, but Rick was never impatient or pushy. Once I landed on the perfect home, Rick moved FAST. My agent was impressed at how quickly Rick was able to get this closed. Rick balanced information and advice so well that I always felt informed and educated about something that no one really does often enough to do well! In this market, Rick was candid that rates would be higher than my Covid refinance, but he said all along that he’ll stay in touch and be here to help me refinance because we expect rates to come down. I’m so appreciative of Rick (and his whole Guardian team).
Tina
Dallas, TX
May 18, 2024
5 Star Rating
We had an outstanding experience with Steve Howard as our mortgage lender. He was incredibly knowledgeable, efficient, and provided excellent customer service throughout the entire process. His clear communication and dedication made securing a mortgage smooth and stress-free. We highly recommend Steve for anyone looking for a reliable and professional mortgage lender.
Kristi
Peoria, AZ
May 18, 2024
5 Star Rating
Good communication and very helpful on answering questions.
Wayne
Boise, ID
May 17, 2024
5 Star Rating
WE had very little time and jason worked to get it through quickly
Linda
Ringgold, GA
May 17, 2024
5 Star Rating
Genial me encanto trabajar kn Cruz Gamboa toda una profesional muy atenta, muy amable gracias por todo 🥰
Rogelio
El Paso, TX
May 17, 2024
5 Star Rating
Chris is super personable - he was great to work with and explained things in an understandable way.
Kathleen
Spokane, WA
May 17, 2024
5 Star Rating
Chris is simply an awesome!! He was responsive, helpful and made sure the process was smooth for our family!
Erik
Spokane, WA
May 17, 2024
5 Star Rating
Great communication, fast processing and giving updates on status! Super friendly!
Grace
Bedford, TX
May 17, 2024
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