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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

4 Star Rating
Feeling like we were important and the time to explain what things were along the process
Christopher
Bonney Lake, WA
February 25, 2024
5 Star Rating
Mr luke is very professional responsible helpful and hard worker I'm really happy to work with him.
Mario
Spokane, WA
February 24, 2024
5 Star Rating
Dustin was very professional, knowledgeable, supportive, prompt with responses and helpful! He and his wonderful support staff, including Kory and Mylin, were extremely helpful with the entire loan process and answered all questions. They took the stress away from applying, qualifying and getting a mortgage loan away, keenly paid attention to details and ensured that everything was secure and correct. We highly recommend Dustin and his team! Thank you very much!
Brenda
Boise, ID
February 24, 2024
5 Star Rating
Constant communication and advice.
Giovanni
Horizon City, TX
February 24, 2024
5 Star Rating
Sally was just amazing any questions or concerns she always had a answer overall she made this experience easy never had to worry about anything definitely will recommend!
Delilah
El Paso, TX
February 24, 2024
5 Star Rating
Chad and his team were so kind, communicative, and made the home buying process so smooth!
Samantha
Washougal, WA
February 24, 2024
5 Star Rating
Jim was so personable, kind and funny but honestly most important in this type of transaction: he was efficient! Started the process with him on 1/21/2024 and signed closing paperwork on 2/20/2024! How quick and awesome was that?! Working with him was absolutely a pleasure; no stress or anxiety for a first time home buying experience. Thanks Jim!
Lakesha
Battle Ground, WA
February 24, 2024
5 Star Rating
Jeannie's team was absolutely fantastic. The level of communication was like nothing I have ever experienced.
Robert
February 23, 2024
5 Star Rating
Jeannie's team was absolutely fantastic. The level of communication was like nothing I have ever experienced.
Robert
Plano, TX
February 23, 2024
5 Star Rating
I only get 5k characters to use?!. But I will try and fit it in😁. Let me first say thank you to the team at Gaurdian Mortgage on behalf of Deena and myself. It’s been a while for us both on buying a home. Times have changed with all of the latest technology for us. Mr King made the this transition seamless. Uploading documents paystubs bank statements etc can be daunting to folks who didn’t grow up in the digital age. But what a relief that Gaurdian Mortgage and others users this technology to the borrowers advantage. We live in AZ and Mr King is in Washington state. How could that ever happen years ago. Conner’s patience and professionalism was outstanding and the time he took with us was over the top. I am sure he gets that from a very good upbringing, you can’t teach those qualities 😁. We are all done t”s are crossed and I’s dotted. Thank you all. Danny and Deena S.
Danny
Mesa, AZ
February 23, 2024
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