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

Always available, very helpful, kept in immediate contact and very, very timely manner completing our loan!!! I felt he truly cared and was there to help every step of the way.
Cheryl
Cusick, WA
January 24, 2025
Anna was awesome! She worked hard to get us the numbers we needed, we appreciate all.of her efforts. Thanks Anna!
Alexandria
Redmond, OR
January 23, 2025
The final day of the whole process the insurance was messed up and she stepped up to the plate and toke care of it!
Ian
Pacific City, OR
January 23, 2025
communication
Blanca
Horizon City, TX
January 22, 2025
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Joshua
Spokane Valley, WA
January 22, 2025
Pat went out of his way to ensure I understood the loan process throughout the entire way - he adjusted as idfferent items came up.
Ian
Denver, CO
January 22, 2025
Alan and Ryan are very communicative and available throughout the whole process. Thank you both!
Cassidy
Clinton, NJ
January 22, 2025
Very helpful going through all the steps with us for first time buyers.
Casey
Denver, CO
January 22, 2025
David was readily available and willing to answer all questions with great detail & insight.
Jessica
Denver, CO
January 21, 2025
Kelly is very energetic and easy to communicate with.
Steven
Santa Fe, NM
January 21, 2025
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Business professionals working together

Welcome New Mortgage Loan Originators

Logan Ellis Mortgage Loan Originator Spokane, WA Guardian Mortgage

Logan Ellis

Greenwood Village, CO
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Gavin Newell Mortgage Loan Originator Eagle, ID Guardian Mortgage

Gavin Newell

Eagle, ID
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Josh Carr Mortgage Loan Originator Medford, OR Guardian Mortgage

Josh Carr

Medford, OR
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Heidi Schulzke Mortgage Loan Originator Medford, OR Guardian Mortgage

Heidi Schulzke

Medford, OR
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Tito Alcauter Mortgage Loan Originator Medford, OR Guardian Mortgage

Tito Alcauter

Medford, OR
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Bryce Bennett Mortgage Loan Originator Spokane, WA Guardian Mortgage

Bryce Bennett

Spokane, WA
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Caitlin Schulzke Mortgage Loan Originator Medford, OR Guardian Mortgage

Caitlin Schulzke

Medford, OR
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Dave Cusano

Dallas, TX
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Steve Cusano Mortgage Loan Originator Guardian Mortgage

Steve Cusano

Dallas, TX
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Norm Civello Mortgage Loan Originator Dallas, TX Guardian Mortgage

Norm Civello

Dallas, TX
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