Notice of Third-Party MOVEit Data Breach:

A cybersecurity vulnerability with third-party software provider, MOVEit, has impacted thousands of companies, including Guardian Mortgage.

Learn More
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.
Image of hands typing on a keyboard

Helpful Resources

Calculators Blogs

What Our Customers Say

5 Star Rating
As first time home buyers, Ariana was an incredible asset throughout the entire process. She made the process a breeze and guided us through each and every step. She took the time to educate us and address any and all of our concerns. She is a terrific listener and an even better communicator! I could not imagine working with anyone better. Ariana is truly amazing.
Plain City, OH
October 02, 2023
5 Star Rating
Jill is very knowledgeable and experienced at what she does!
Middleton, ID
October 02, 2023
5 Star Rating
Michaela was kind and patient through the while process. She was able to move things along quickly. She even took the time to answer questions she didn't have too. Thank you!!!
Brandon, MS
October 02, 2023
5 Star Rating
Didn't have to think, Ron took care of everything for us.
Kuna, ID
October 02, 2023
5 Star Rating
Super helpful and amazingly easy to work with
Spokane Valley, WA
October 02, 2023
4 Star Rating
Positive attitude and accessibility
Lawrence, KS
October 01, 2023
5 Star Rating
Communication and expectations clearly communicated at every stage. And all done in a warm, friendly yet expert way.
McKinney, TX
September 29, 2023
5 Star Rating
Sean is incredibly knowledgeable and extremely Diligent in his work. Excellent communication and very competitive terms on the mortgage. I would strongly recommend Sean and his team to anyone in need of a mortgage.
Austin, TX
September 29, 2023
5 Star Rating
Ashley was a great loan agent. She was proactive with all communications and took the time to answer all of my questions. Ashley exceeded my expectations in her duties and performance.
Rio Rancho, NM
September 28, 2023
5 Star Rating
Cruz Ganboa has great customer service skills. In the Real Estate field, we need more mortgage brokers like her, who answer the phone almost 24-7. She never gave up on me. She is very skilled in her profession and she has all the right contacts. Thank God, She kept looking for ways to help me qualify and she did it! Im super grateful to her! God bless you CruzAna! I will most likely recommend her to all my friends and family.
Midland, TX
September 28, 2023
Young couple looking at a laptop
Business professionals working together

Welcome New Mortgage Loan Originators