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

Lisa Werth did a great job of keeping us informed and helped explain the process.
Ronald
Osborne, KS
April 28, 2025
Kelly is both professional and personal, instills confidence, is efficient, and communicative.
Michael
Santa Fe, NM
April 27, 2025
Garrett is knowledgeable, responsive, and overal
Zuzana
Leadville, CO
April 27, 2025
I was able to purchase.home in a very nice area of town, where publiç transportation only a block away.
Windell
Albuquerque, NM
April 27, 2025
have worked with John multiple times over the years and is very knowledgeable and professional
Charles
West Des Moines, IA
April 26, 2025
Her personal attention to is
Lisa
Osborne, KS
April 26, 2025
Issues with communication which ended up in stated loan rate not being accurate.
Jeremy
Lakewood, CO
April 26, 2025
She had own loan done in a timely fashion. And was very pleasant to work with.
William
Grants Pass, OR
April 25, 2025
3rd home sale working with Brian and Guardian. Up to date information always,knowledgeable,friendly and accommodating on anything needing to be accomplished. I would never use another company and 1000% recommend Guardian
Linda
Owosso, MI
April 25, 2025
Luke went out if his way to make our refinance as smooth as possible. He's great at what he does!
Niehls
Spokane, WA
April 25, 2025
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Business professionals working together

Welcome New Mortgage Loan Originators

Lorrell Malotte Mortgage Loan Originator Medford, OR Guardian Mortgage

Lorrell Malotte

Medford, OR
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Andrew Ashmore Mortgage Loan Originator Plano, TX Guardian Mortgage

Andrew Ashmore

Plano, TX
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Dan Monson Mortgage Loan Originator Sugar Land, TX Guardian Mortgage

Dan Monson

Sugar Land, TX
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Douglas Willey Mortgage Branch Manager Sugar Land, TX Guardian Mortgage

Doug Willey

Sugar Land, TX
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Richard Blanchard Mortgage Loan Originator Sugar Land, TX Guardian Mortgage

Richard Blanchard

Sugar Land, TX
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Andrew Waltner Mortgage Loan Originator Spokane, WA Guardian Mortgage

Andrew Waltner

Spokane, WA
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