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.
See More

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

Helpful Resources

Calculators Blogs

What Our Customers Say

Craig does a great job listening, communicating, providing information, quick to respond, etc. I have worked with him for my mortgage needs on my past 3 homes. Look forward to working with him again next time.
John
Edina, MN
March 15, 2025
From start to finish Garrett and his team explained what would be neded needed and had a system in place to limit surprises. We decided on a 3 week close and were we're actually ready in 2.5 .
David
Broomfield, CO
March 15, 2025
Ann Heinz was the reason.
Brian
Castle Rock, CO
March 15, 2025
Process was super smooth and easy with Alan & his team!
Abby
Greenwood Village, CO
March 15, 2025
Jordan is very personable but also very knowledgeable. He will guide you through the process and tell you exactly what you need to hear.
Audrey
Deer Park, WA
March 14, 2025
Mike had great communication! He checked in with me regularly, walked me through the whole mortgage application process, and answered all my questions promptly and clearly. As a first-time homebuyer, I didn't know or understand how mortgage loans work, and Mike was an excellent support through this new experience.
Tabitha
Spokane, WA
March 14, 2025
Good to work with someone so knowledgeable and personable!
Stephen
New Castle, CO
March 14, 2025
Mr. Phillips and his team was fantastic and seamlessly helped me through the mortgage process. They are patient, informative and knowledgeable. I will definitely recommend them to everyone.
April
Overland Park, KS
March 14, 2025
Hakan did a wonderful job walking me through the whole experience!
Katelyn
Lawrence, KS
March 14, 2025
The process was super easy. We were able to upload information easily through the Guarduan app and had almost daily communication on the process. The underwriting and approval happened lightening fast and we were ready to close 2 weeks ahead of schedule.
Donna
Cedar Park, TX
March 14, 2025
Young couple looking at a laptop
Business professionals working together

Welcome New Mortgage Loan Originators

Allyson Sandoval Mortgage Loan Originator Santa Fe, NM Guardian Mortgage

Allyson Sandoval

Santa Fe, NM
View Profile
Geoff Pinkerton Mortgage Loan Originator Tualatin, OR Guardian Mortgage

Geoff Pinkerton

Tualatin, OR
View Profile
Scott Greene Mortgage Loan Originator Greenwood Village, CO Guardian Mortgage

Scott Greene

Greenwood Village, CO
View Profile
Grant Tisdel Mortgage Loan Originator Scottsdale, AZ Guardian Mortgage

Grant Tisdel

Scottsdale, AZ
View Profile
Payton Lingo Mortgage Loan Originator Spokane, WA Guardian Mortgage

Payton Lingo

Spokane, WA
View Profile
Beau Bryan Mortgage Loan Originator Overland Park, KS Guardian Mortgage

Beau Bryan

Overland Park, KS
View Profile
Christine Munoz Mortgage Branch Manager Santa Fe, NM Guardian Mortgage

Christine Munoz

Santa Fe, NM
View Profile