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

Callie made my home buying experience easy and enjoyable. She is extremely knowledgeable, easy to contact and communicate with, and ensured I had everything I needed through the whole process. I couldn’t have asked for a better experience with Callie and will recommend her to anyone I can!
Madilyn
Spokane, WA
September 13, 2024
marietta is a great professional in what she does. Her information is correct, works hard to make sure she’s constantly communicating all the information that’s needed. I trust her, I would definitely use her again in another transaction, and most importantly she’s just a good person.
Eugene
Superior, CO
September 13, 2024
Enjoyed working with Sohayl and his team!
Pamela
Kuna, ID
September 13, 2024
Michelle, is very communicative, informative and always willing to share the information she has. She will also do heavy lifting on action items that don’t directly fall within her scope.
Kenneth
Kansas City, MO
September 13, 2024
Lisa was very knowledgeable and always gave good advice as how we needed to proceed. We were always kept posted on our loan status.
Douglas
Atwood, KS
September 13, 2024
Rhonda was always very professional, prompt, informative, and pleasant, treating all interactions as if we were her most important clients. We were extremely impressed. She made it fun.
Seba
Grants Pass, OR
September 12, 2024
Very helpful, informative, quick to respond and personable.
Ryan
Littleton, CO
September 12, 2024
kept me updated on the progress of the loan
Jeannette
Santa Fe, NM
September 12, 2024
Very efficient!
Jeffrey
Salina, KS
September 12, 2024
Nelson and Sasha made amazing things happen for us to get in a home! Most other people weve dealt with over the years were very negative and showed little effort. They made the whole process easier and smoother then our past efforts. Thank you, Im so appreciative!
Anthony
Littleton, CO
September 12, 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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