Picture of young couple carrying boxes and plants as they move into a new home

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.

Get Started Find a Local Expert

Family playing on a bed

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.
two new homeowners happy unpacking

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!

Learn More
Image of hands typing on a keyboard

Helpful Resources

Calculators Blogs

What Our Customers Say

5 Star Rating
JOLENE!!! She was ahead of everything right until we closed...
Meridian, ID
July 17, 2024
5 Star Rating
Very responsive and intelligent!
Loon Lake, WA
July 17, 2024
5 Star Rating
I was very nervous about buying my first home and didn’t know anything about financing. Sarah was very helpful throughout the whole process. She is kind, thorough and all around genuine!
Richardson, TX
July 17, 2024
5 Star Rating
We have worked with David in the past and will continue to work with him. He is very knowledgeable and great with communication. Always a pleasure working with him.
Castle Rock, CO
July 16, 2024
5 Star Rating
Jed was very knowledgeable md matter of fact. He was quick on communication and getting me the best loan option for my home purchase!! I will refer everyone to Jed for any of their mortgage needs.
Little Elm, TX
July 16, 2024
5 Star Rating
David is very knowledgeable and explained all of my mortgage options with thorough and clear communication. Also, he is very patient and compassionate in regards to his client's needs.
Aurora, CO
July 16, 2024
5 Star Rating
Very supportive! Walked me through the process with no judgement. Available anytime, EXCELLENT SERVICE!
Desoto, TX
July 16, 2024
5 Star Rating
Fast and easy
Grants Pass, OR
July 16, 2024
5 Star Rating
Excellent communication and response time, answered all questions!!
Arlington, TX
July 16, 2024
5 Star Rating
We close din a record 17 days, including Inspection and Appraisals. It was smooth and no issues. Thanks!
Vancouver, WA
July 16, 2024
Young couple looking at a laptop
Business professionals working together

Welcome New Mortgage Loan Originators