Exciting news! Guardian Mortgage is rebranding under the Sunflower Bank name. Over the coming weeks, you’ll begin to see the Sunflower Bank brand in your mortgage-related emails, statements, and other communications. Check our FAQ page:
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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

Mickey was very helpful for my unique situation. He was always available for any questions I had and regularly giving me updates on the process. Thank you Mickey!
Kendall
Spokane, WA
May 19, 2025
Laura was very focused on meeting my needs. She would listen to what I wanted, and try to find a solution. She was great at answering questions in great detail - even in texts. If she felt a text would be too lengthy she would call. She even took calls sometimes just outside of 'office hours' when necessary. I would definitely refer any friends or family to her specifically to handle any mortgage transactions (such as a refi or purchase). :-)
Allison
Surprise, AZ
May 18, 2025
Matt Penny & his team are always available to answer my questions & address any concerns. They're highly knowledgeable, patient & efficient with keeping us updated on the progress of our loan. I could gush on.
Joan
Spokane Valley, WA
May 18, 2025
Alex is amazing to work with and always provides great information so we can make the best decision for us. He is insightful and makes himself available for questions. This was our second time working with him and his team and will do so again and refer anyone we can as well. Thanks for making our dream home happened and another great experience!!
Timothy
Phoenix, AZ
May 18, 2025
Well organized and quick to respond to any questions
Kenneth
Greenacres, WA
May 18, 2025
Scott was available for any questions and concerns. Appreciated the support.
Jessica
Thornton, CO
May 18, 2025
Everything
Katherine
Burleson, TX
May 17, 2025
Jim kept us updated all along and answered our questions in a timely manner.
Vicki
Walla Walla, WA
May 17, 2025
Everything went very smoothly!
Shayla
Lucas, TX
May 17, 2025
Andrew was amazing every step of the way!
Jamie
Carrollton, TX
May 17, 2025
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Business professionals working together

Welcome New Mortgage Loan Originators

John Olson Mortgage Branch Manager Plano, TX Guardian Mortgage

John Olson

Plano, TX
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Connor Morris Mortgage Loan Originator Plano, TX Guardian Mortgage

Connor Morris

Plano, TX
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Dustin Schwartz Mortgage Loan Originator Plano, TX Guardian Mortgage

Dustin Schwartz

Plano, TX
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Carter Lile Mortgage Loan Originator Spokane, WA Guardian Mortgage

Carter Lile

Spokane, WA
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Gil Garcia Mortgage Loan Originator Santa Fe, NM Guardian Mortgage

Gil Garcia

Santa Fe, NM
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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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