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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.
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!
Jed is the best! Made everything super easy for us. Can not say how happy we are with everything. He was so great to work with. I would recommend him to anyone and definitely work with him again.
Gordon
Dallas, TX
February 05, 2025
5 Star Rating
I've done at least 6 mortgage loans in my lifetime. Considering the complexity of my finanicals I found working with Guardian Mortgage team was a seamless process compared to other banks. KUDOS to the team!
Amad
La Jolla, CA
February 05, 2025
5 Star Rating
Brian was present and available to me and my husband every step of the way during our experience. He was patient, heard our needs and provoded provided real , impactful solutions. Brian Long is AMAZING to work with. He is now a friend as well as our lender.
Misty
Caldwell, ID
February 04, 2025
4 Star Rating
We had discussed me not wanting any points so I assumed that would be carried forward but it wasn't. There was some kind of miscommunication/ missunderstaning around this situation that made it frustrating when I saw it on the pre-closing document. I did get to review the interest rate/points table after seeing that but would have liked to see it previously as we had discussed when talking about the pre-approval documents.
On the checklist of things that were done it listed "wire scheduled". At the time it was checked I had done nothing to set up a wire, I was not made aware of what I needed to do to set it up, and had not been asked if it was done. From talking to the title company it was them who was supposed to go through this process with me but they hadn't. It would have been nice to be reminded and at minimum asked by Guardian if it had been scheduled because it had not been so I was rushing around last minute to get it done.
Catherine
Spokane, WA
February 04, 2025
5 Star Rating
Nick is a fantastic mortgage lender—knowledgeable, communicative, and always on top of every detail. As a realtor, I truly appreciate his responsiveness and dedication to keeping both clients and agents informed every step of the way. He makes the loan process seamless and stress-free, giving buyers the confidence they need. Highly recommend working with him!
Melina
February 04, 2025
5 Star Rating
We were in a complicated scenario, getting married and under a seller imposed quick closing. Kevin was a fantastic mlo.
Ralph
Aurora, CO
February 04, 2025
5 Star Rating
Rhonda presents herself as family and takes care of her clients as such. Thank you Rhonda
Tamie
Grants Pass, OR
February 04, 2025
5 Star Rating
Great work overall, very easy to work with.
Marc
Roy, WA
February 04, 2025
5 Star Rating
Awasme thank you so much guys, I really appreciate it.
Piroz
Liberty Lake, WA
February 03, 2025
5 Star Rating
Steve is amazing to work with. He is a great communicator, prompt, and delivered every step along the way. I have zero complaints!