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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.
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!
This is the second time Luke helped me and my wife out , both times have been great especially with the communication and making it an easy process .
Colton
Deer Park, WA
December 03, 2024
5 Star Rating
Rick and Ryan really helped tremendously thoughout the whole process. highly recommended!
Maverick
Denver, CO
December 02, 2024
5 Star Rating
My wife and I have worked with Callie on two separate home purchases now! Both times, Callie has exceeded our expectations with a patience, expertise, timely communication, and willingness to answer questions that is SO refreshing and hard to come by in the mortgage lending world. On multiple occasions Callie has helped to respectfully identify errors in my thinking and point us toward mortgage agreement terms that make better financial sense. She is also extremely responsive, kind, gracious, knowledgeable and truthful. We couldn't recommend anyone higher than Callie Watkins when it comes to mortgage loan origination. Thank you (x1000)!
Asa
December 02, 2024
5 Star Rating
Michelle knocked it out of the park again! Fast communication and tons of knowledge. Always happy when I get to work with Michelle!
Joseph
Hutchinson, KS
December 02, 2024
5 Star Rating
Jay was very helpful with anything I needed, and he had great communication during the entire process. I would definitely recommend him!
Julie
Springtown, TX
December 02, 2024
4 Star Rating
Luke was very informative, and made sure that I what was required, but also why it was required. His team was on top of every stage of the process, sometimes to the point of being pushy, although I understand that we were under a time restraint and appreciate the