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

Lisa made everything a breeze! She is kind and professional and very helpful! She walked us through every step and made the whole process as easy as could be! I would definitely recommend going through Guardian Mortgage with Lisa!
Jonathan
Dodge City, KS
September 09, 2024
Jill.. you always treated us with the upmost respect. With your ease and knowledge in explaining everything to us and always making yourself available to answer all of our questions made this refinance process go so smoothly. We truly appreciate you..and I am sure Barbara does also Respectfully, Gail and Tony Walker
Gail
Kuna, ID
September 09, 2024
Kelly was a great help in closing on our new home!
Yacxara
Santa Fe, NM
September 09, 2024
Dean and everyone on his team are committed to superior service. Everyone went well beyond my expectations in all aspects of the process. I couldn’t be more pleased with Dean and his excellent team.
Russell
Florence, AZ
September 09, 2024
Larry was a pleasure to work with. As the listing agent it is always great to have a lender who provides consistent updates every step of the way and closes a transaction in 3 weeks with no hiccups. Larry did just that.
Julie
September 09, 2024
Excellent communication and went above and beyond for us.
Ian
Puyallup, WA
September 09, 2024
Steve kept me updated all the way.
Randall
Hutchinson, KS
September 09, 2024
Erik was beyond available through the whole process. No question was too big or small for him to answer. He really took a lot of anxiety out of this situation for my wife and I.
Anthony
Cocoa, FL
September 09, 2024
Michele is intelligent, informed, competent, kind and compassionate, all benefiting her clients.
Linda
Boise, ID
September 08, 2024
He communicated with me very well and went out of his way to get my loan in a timely manner!
Duane
Yelm, WA
September 07, 2024
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Welcome New Mortgage Loan Originators

Craig Bedsole Mortgage Loan Originator Eagle, ID Guardian Mortgage

Craig Bedsole

Eagle, ID
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Aide Gonzalez Mortgage Loan Originator Bend, OR Guardian Mortgage

Aide Gonzalez

Bend, OR
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