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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

5 Star Rating
Fast response time and clear explanations.
Austin, TX
June 18, 2024
5 Star Rating
Luke was wonderful, we started over a year ago and had some credit issues and longevity at a job issues. Luke checked in every few months until my credit was better and enough time had passed that my husband was back to work and eventually Luke was able to get us pre-approved. Once we found a house we had a few strange issues pop up but Luke remained calm and worked with us to help remove the barriers. The last issue was pretty major and popped up 4 days before closing and Luke worked his manic and was still able to close on time! Luke is wonderful to work with and I will recommend him to anyone looking to buy a home!
Mead, WA
June 18, 2024
4 Star Rating
Clear communication on transaction and expectations. Ability to work through close online very much appreciated.
Houston, TX
June 18, 2024
4 Star Rating
Took a long time but Luke got it done, outstanding work!!
Mead, WA
June 18, 2024
5 Star Rating
Clear and simple. Immediate contact with your team. Best experience I ever had with financial decisions and I have purchased numerous homes!
Melissa, TX
June 18, 2024
5 Star Rating
Cynthia made this experience absolutely seem less! She was in contact daily with updates on the process and got it closed in a matter of a few weeks. We cannot say enough good things about her and Guardian Mortgage! We have been customers for over 30 years because of this. Highly recommend!!!!
Swartz Creek, MI
June 18, 2024
5 Star Rating
Smooth process and great communication
Wilsonville, OR
June 18, 2024
5 Star Rating
Always on time or early! Smooth process and very informational through every step.
Plano, TX
June 18, 2024
5 Star Rating
Matt never stopped working to remove barriers and make the move as carefree as possible. Obviously a stressful situation for most people but Matt made it very easy to learn and be comfortable.
Spokane, WA
June 18, 2024
5 Star Rating
I was able to ask questions and receive quick responses. Generally easy to work with the team. Made the process easy with the app.
Maricopa, AZ
June 18, 2024
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Welcome New Mortgage Loan Originators