Community Reinvestment Lending

Community reinvestment lending image
Guardian Mortgage strives to meet the needs of our local communities. Our Community Reinvestment program opens up the possibility of home financing for people who might not qualify for more conventional options. It can also benefit current homeowners who meet required income limits and want to refinance to get savings, flexibility, and more favorable terms.


  • Private mortgage insurance may not be required, based on borrower creditworthiness
  • Flexible sources of down payment and closing costs
  • Down payment requirements as low as 3%
  • Purchase, rate and term refinance
  • Grants are allowed
  • No minimum required funds from borrower


  • 1-unit primary residences
  • Planned unit developments (PUDs)
  • Condos1
  • Non-warrantable condominiums2

1Warrantable to Fannie Mae Guidelines. 2Maximum LTV is the lesser of 80% or the LTV as specified by the loan program. Certain terms and restrictions apply. Program available only to qualified borrowers. Program subject to change without notice. Underwriting terms and conditions apply. Program available in CO, NM, AZ, MI, TX, KS, WA, MO (select areas/counties).