Loan Options

Home Loan Options
At Guardian Mortgage, you and your family matter. We partner with you to provide the right solutions to fuel your dreams. The mortgage process can be overwhelming, but with us you can count on having a real person who will explain the process and answer your questions every step of the way.
Whether you’re a first-time home buyer or refinancing an existing home, our experienced loan professionals can help you choose a loan program that’s right for you. 
We work for you at closing, as well as through the life of your loan. We take care of you. It’s that simple.

We understand that you are unique and we offer a variety of loan options to ensure we best meet your needs. Our mortgage professionals are happy to talk through the options that provide the best fit for your needs. We have a comprehensive suite of lending options to suit your individual needs.

Which Loan is Right For You?

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1% Lender Credit

Nothing is more exciting than buying a brand-new home. But coming up with extra money for closing costs isn’t as thrilling. That’s why Guardian Mortgage offers an innovative 1% Lender Credit to help with these expenses. If you are within 90 days of the completion of your new home, you may qualify. Most loan types do – including Conventional, FHA, and VA loans.

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Builder Select Program

When you’re building a home and looking forward to the finish line, nothing’s worse than seeing interest rates climb; they go up and so do your stress levels. Our Builder Select program can ease your worries by locking in mortgage rates for up to 180 days. It’s protection for your rate and your peace of mind.

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Community Reinvestment Lending (CRA)

Our Portfolio CRA program presents a viable option for those who desire home ownership, but may not be eligible for other, more conventional lending options. The Portfolio CRA home loan program can also benefit current homeowners who meet the required income limits with savings, flexibility, and favorable terms.

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Conforming ARM

An Adjustable Rate Mortgage (ARM) typically offers lower rates than a fixed-rate mortgage. Your rate is locked for the first 3, 5, 7, or 10 years and then could adjust up (or down) based on the rate it’s tied to. It’s a great way to enjoy initial lower payments for borrowers who might plan on selling or refinancing before their fixed term ends.

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Conventional

Our conventional loan is great option for first-time homebuyers and experienced homeowners. This loan type is generally for borrowers with good credit scores, low debt-to-income ratios, and who want maximum flexibility.

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Down Payment Assistance Programs

Guardian Mortgage is committed to helping families in our communities attain affordable housing.

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FHA Lending

If you’re planning to buy a home soon, you may be wondering if you’ll qualify for a mortgage. That’s why Guardian Mortgage offers loans with “buyer-friendly”, easier qualifying guidelines, including our range of FHA mortgages. An FHA loan is partially insured by the Federal Housing Administration (FHA). This enables us to approve more borrowers with imperfect credit and lower down payments.

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Heroes Program

You serve others before yourself. You give your time, your dedication, and your energy to making our communities better. Thanks to you, we’re all safer, stronger, happier.

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Home One SM

Available to qualified first-time homebuyers, a HomeOne mortgage is designed to help you make your dreams of homeownership come true.  When you apply for a HomeOne loan, you’ll appreciate the flexible features that can help you qualify for financing. 

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HomeReady

If you’re ready to buy a home but not sure you can make a down payment, you’ll want to learn more about the HomeReady mortgage.  It includes plenty of buyer-friendly features that can help you begin to enjoy the benefits of homeownership sooner.

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HomeStyle ®

You love the house, but it needs some upgrades. Why not consider a renovation loan? They are quickly becoming a popular way to turn your current place into your dream home. HomeStyle Renovation gives you the options to make repairs or remodel within a single conventional first mortgage, rather than through seconds or HELOCs. They can also be used for purchases.

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Jumbo Advantage Program

You deserve a higher standard of financing…Guardian Mortgage’s Jumbo Advantage delivers. When you’re buying or refinancing a luxury home or high-value property, flexibility is the key to the ideal loan. Our Jumbo Advantage program features an array of options for a better fit with your personal preferences, including several fixed- and adjustable-rate loan terms.

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Jumbo Elite Program

Don’t Just Dream Big…Make It a Reality With Our Jumbo Elite Loan. If you’re shopping for a larger home or buying in a high-cost area, a Jumbo Elite loan from Guardian Mortgage can provide up to $2.5 million in funding — and that’s just for starters.

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Jumbo Fixed Program

Introducing Guardian Mortgage’s Jumbo Fixed Program: Funding for luxury condos, PUDs, and leaseholds. If you prefer the lifestyle offered by luxury condos or Planned Unit Developments* (PUDs), Guardian Mortgage’s Jumbo Fixed loan program is a smart option. Designed to financing high-value alternatives to the traditional single-family home, Jumbo Fixed offers up to $2.5 million in funding for these properties.

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Jumbo Interest-Only

Certain purchases or refinances require a large loan. And sometimes borrowers have complex financial situations, substantial but fluctuating incomes, or preferences in how they maintain cash flow. We have solutions; our mortgage professionals are here to consult with you to see if a jumbo interest-only loan might suit your circumstances.

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Jumbo Standard

If you’re in the market for a higher-priced home or investment property, take advantage of our jumbo loans. We have several jumbo loan types and various term options that give you the flexibility to make your dreams into reality.

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Lock and Shop

You’ve found the rate that’s right for you, now protect it! Our Lock & Shop program lets you lock-in mortgage rates for up to 90 days without a contract, so you can shop for the home that’s as great as your interest rate. Once you find your new home, execute a contract and be sure your closing date is within the selected lock period.

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One Time Close

Building a home is exciting, but it also means lots of decisions. Why make an additional loan one of them? If you’re constructing a new house, don’t shop for multiple loans, worry about multiple rates, and deal with multiple closings. Our one-time-close loan covers the land purchase, construction costs, and long-term financing… allowing you to focus on your new adventure.

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Portfolio Second Lien

If you’re house-shopping and have enough for a down payment but not quite the amount needed to avoid PMI (private mortgage insurance), we’ve got a solution. With our Portfolio Second Lien (also known as an 80/10/10), we finance 80% in a first mortgage, 10% in a second mortgage, and with your 10% down payment, you’re able to avoid the PMI requirement. One of our loan professionals can make understanding a Portfolio Second Lien easy. This program offers a flexible way to get the home you want… without the mortgage insurance you don’t.

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Relationship Lending

If you have a full banking relationship with Sunflower Bank or First National 1870, consider this your personal invitation to exclusive financing. Talk to a Guardian Mortgage professional to find out about the benefits of our Relationship Lending program. (And thank you for being an honored client.)

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USDA Rural Development

Breathe in the country air! USDA Rural Development loans help borrowers purchase eligible homes in certain rural and suburban areas. This loan is reserved for those who need it most— if you have low-to-moderate income it may be right for you. It’s popular because it offers low- or no-down payment options and requires no mortgage insurance. Talk to us to see if you qualify.

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VA Lending Program

Your service to our country means a lot; the VA home loan program is a tremendous benefit that you’ve already earned. Don’t let it go unused. A VA mortgage helps service members, veterans, and eligible surviving spouses become homeowners. These loans have features that aren’t available to the general public, such as 0% down payment options and lower closing costs. So, if you’ve served in the military, let Guardian Mortgage help you take advantage of this well-deserved benefit. You’ve earned it.

Not Sure? We Can Help!

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