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.
two new homeowners happy unpacking

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!

Learn More
Image of hands typing on a keyboard

Helpful Resources

Calculators Blogs

What Our Customers Say

5 Star Rating
Low cost for lower interest rate yielding lower payments and saving lots of money over term. She made it easy.
Marvin
Santa Fe, NM
April 17, 2025
5 Star Rating
Rhonda and Joseph provided me all the information I needed and kept it brief and simple. All the costs I was quoted remained consistent, except for closing cash costs were much cheaper than anticipated! I didn't have to lift a finger, she did all the work, and I signed documents electronically. Rhonda was truly my guardian through the process and got me the best rates possible. She took the stress and anxiety out of every equation and process. E question I had was answered in less than 24 hours. Plus it only took 4-6 weeks to close. It could have been faster if I wasn't so nervous and hesitant to get the ball rolling. HIGHLY HIGHLY RECOMMENDED! I am truly grateful!
Candyce
Prescott Valley, AZ
April 17, 2025
4 Star Rating
Jeannie and team were good at communicating. They made the loan process smooth and easy.
Tien
Plano, TX
April 17, 2025
5 Star Rating
Kevin and his team were amazing. This was my first time buying a home and Kevin was very patient and helpful. He explained everything very clearly and in a way I would understand. He and his team did an amazing job of constantly keeping me updated in the closing process. Everyone was very responsive and polite. They made what could be a very stressful process, seamless. You can tell this team genuinely cares for the client and wants what’s best for them.
Jessica
Littleton, CO
April 17, 2025
5 Star Rating
Explanetion y attention
Salvador
El Paso, TX
April 17, 2025
5 Star Rating
Mike is an awesome guy, always willing and able to help anytime we needed. 1000% happy with him we would recommend him to all.
Javier
Marsing, ID
April 17, 2025
5 Star Rating
Alex made us feel very comfortable durring the process. He share life experiences and showed a warm side to this cold event. We trust, respect and like Alex!
Mark
Phoenix, AZ
April 17, 2025
5 Star Rating
Jonathon was super helpful through the whole process! Really helped a first time home owners through all the ins and outs of getting a mortgage! Totally recommend him!
Cassie
Colbert, WA
April 17, 2025
5 Star Rating
Dan and his team were outstanding! They kept me informed every step of the way. Prompt, efficient and were always available to communicate and resolve any concerns I may have had regarding the loan process and the purchase of my new home.
Belinda
April 17, 2025
5 Star Rating
Dan and his team were outstanding! They kept me informed every step of the way. Prompt, efficient and were always available to communicate and resolve any concerns I may have had regarding the loan process and the purchase of my new home.
Belinda
Peoria, AZ
April 17, 2025
Young couple looking at a laptop
Business professionals working together

Welcome New Mortgage Loan Originators