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
Attention to detail, constant updates, very personable, just an outstanding experience!
William
Mica, WA
February 28, 2024
5 Star Rating
Jim has been my go to for years with my first mortgage, refinancing and now my second home! He makes the process easy, very helpful. Always a pleasure to work with and I sure hope to for many years to come!
Loni
February 28, 2024
5 Star Rating
Chris is professional, personal and EXCEEDED ALL OUR EXPECTATIONS!!!! Chris is AMAZING! You can’t get better than him!
Debra
Mica, WA
February 27, 2024
5 Star Rating
Diana’s expert service.
Richard
Las Vegas, NV
February 27, 2024
5 Star Rating
Information provided quickly with clear instructions. Pleasant demeanor from all team members.
Barbara
Fair Oaks Ranch, TX
February 27, 2024
5 Star Rating
This move was so easy!
Benjamin
Washougal, WA
February 27, 2024
4 Star Rating
Lisa was very helpful and patiently guides you through the process
Paul
Hays, KS
February 27, 2024
5 Star Rating
Diana’s direct advice, guidance, and reassurance. Otherwise the emails and updates really meant nothing. We were unfamiliar with the process, which was very intimidating. Having worked with Diana in the past, we knew it was a relationship we could rely on and trust.
Malinda
Las Vegas, NV
February 27, 2024
5 Star Rating
Jim was great at communicating with us in the status of the loan and the steps needed to completed the process. He had great momentum in keeping the process going and we were able to close on the loan in a very timely manner. He was quick to answer all of our questions.
Julie
Battle Ground, WA
February 26, 2024
5 Star Rating
communication, the help you offer us, thank you, you help us all time and any time, I'm so happy we meet you.
Maria
Spokane, WA
February 26, 2024
Young couple looking at a laptop
Business professionals working together

Welcome New Mortgage Loan Originators