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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

5 Star Rating
Very supportive and great work ethics.Excellent customer service and enthusiastic person. Kudos Chris.
Ellie
Spokane Valley, WA
May 25, 2024
5 Star Rating
The constant communication and the down to earth attitude. Mark and his team were amazing every step of the way and made sure to make us feel like family.
Daniel
Happy Valley, OR
May 24, 2024
5 Star Rating
It was a great experience working with Kristin. She helped guide us throughout the loan application process. She kept us updated daily on every tasks that need to be completed throughout the process. She gave us sound advice on any questions or concerns we had about our loan. She was very good at answering all of our questions and addressing our concerns.
Aaron
La Vernia, TX
May 24, 2024
5 Star Rating
Cynthia was always available and made things easy.
Shawn
Grand Blanc, MI
May 24, 2024
5 Star Rating
Rick was awesome. He was always available and guided and advised us through the process from start to completion. His team was very efficient and all were a joy to work with. Guardian’s online portal and milestone notifications made it easy and kept us aware of where we were in the process. Our realtor said the same thing. We highly recommend Rick, his team, and Guardian! ~ K & R
Kevin
Tyler, TX
May 24, 2024
5 Star Rating
Darci was great to deal with
Scott
Middleton, ID
May 24, 2024
5 Star Rating
Great,frienly
Jaime
Monahans, TX
May 24, 2024
5 Star Rating
We have worked with David on two previous mortgage loans. We always had great service, advice and attention to detail. David’s speed of response was incredible. On this most recent loan we had the pleasure of working with Whitley. Whitley lived up to and exceeded the standard of our past experiences.
Keith
Midlothian, TX
May 24, 2024
5 Star Rating
Having a lender willing to recast. I applied to Guardian because they typically will hold onto your loan. This is my 3rd mortgage from Guardian and Jason
William
Temperance, MI
May 24, 2024
5 Star Rating
The communication and always getting updates on the status of my loan. The accessibility of reviewing all my docs.
Liliana
New Braunfels, TX
May 23, 2024
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Welcome New Mortgage Loan Originators