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

Dan made buying my first home feel so easy! He keeps in regular contact and knows how to explain things to someone completely new to the financial world. I honestly didn't have to keep a calendar for myself. Dan is also diligent with monitoring the markets to help you get the best interest rate he can. I'm quite glad I was able to work with him!

Mark

April 27, 2024

Ashely is very knowledgeable and it was a pleasure working with her on a family milestone!

Aaron

Santa Fe, NM

April 26, 2024

Paul and his team offered us a great product, communicated well, and quickly guided us through the entire loan process. We would absolutely use them again and will recommend them to anyone going through the construction loan process.

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April 26, 2024

Paul and his team offered us a great product, communicated well, and quickly guided us through the entire loan process.

Nicholas

Bend, OR

April 26, 2024

Pearl was always kept an open line of communication. Answers all of our questions with a quick response time. It was easy working with her, very knowledgeable and went into detail with us on anything we requested

Sierra

Floresville, TX

April 26, 2024

Conner was the best to work with! He continued to keep the line of communication open, updating us of every step along the way. Would absolutely recommend!!

Shayna

Vancouver, WA

April 26, 2024

Great communication throughout the process and went very smoothly

Kathleen

Arvada, CO

April 26, 2024

Luke was more helpful than I could’ve imagined. Any time, any question, he was there. I will definitely be coming back to Luke for future home purchases.

Taylor

Spokane, WA

April 26, 2024

The constant communication and availability at any time. It made the whole processes smooth and stress free.

Alex

Ridgefield, WA

April 26, 2024

Ashely was amazing and did everything she should to help us achieve our goals.

Elizabeth

Santa Fe, NM

April 25, 2024

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Achim Reinhart

Plano, TX

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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

Dan Francis

Jaime Richmond

Natasha Chelone

Mark Pendley

Dave Lind

Douglas Rupp

Laura Hanson

Eric Vander Werff

Mario Alvarado Rios

Marietta Companie

Achim Reinhart