Guardian's Guide To...

Top 5 Home Loans That Don’t Require a 20% Down Payment image

Top 5 Home Loans That Don’t Require a 20% Down Payment

Homeownership. It's a pillar of the American Dream, and a sure sign that you've made it on your own. But when you have decided you are ready to purchase a home, saving for your down payment can be challenging. And if, like many, you’ve heard the rule of thumb is 20% for that down payment, the idea of saving that much might be an intimidating prospect – especially with rent payments on the rise.

Six Satisfyingly Simple Steps for Loan Pre-Qualification image

Six Satisfyingly Simple Steps for Loan Pre-Qualification

We’ve never shied away from acknowledging the complexity of the home buying process, especially when it comes to applying and getting approved for a mortgage. And it all starts with pre-qualification for a loan.

What is the Difference between a Co-borrower and Non-occupying Co-borrower? image

What is the Difference between a Co-borrower and Non-occupying Co-borrower?

No matter how many times you’ve purchased a home, the decision to do so is always a monumental one, and should never be taken lightly. So before you make that decision, you need to ensure your financial situation is up to par, to avoid any potential obstacles with your mortgage application.

Buying and Selling a House all at Once image

Buying and Selling a House all at Once

Just buying a house can be stressful enough, but throw in the fact that many buyers are also trying to sell a house at the same time, and you’ve got the perfect recipe for losing one’s mind. Ok, maybe that’s a tad bit dramatic, but the point is, buying and selling a house at the same time is a complicated, and even tense, experience.

Options For Non-Standard Homebuyers image

Options For Non-Standard Homebuyers

For many, owning a home is the pinnacle of what is considered the American Dream. You graduate high school, then attend college or a vocational training, and eventually set off into a career. And whether that career is white- or- blue-collar, you know you have really “made it” when you own your own home

What To Know About Buying a Vacation Home image

What To Know About Buying a Vacation Home

If you’re like many Americans, your vacation plans have gone belly-up this spring and summer due to the coronavirus pandemic. Honestly, you’d be hard-pressed to find anyone whose 2020 overall is going according to plan.

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Helpful Tips for Negotiation

If we mentioned it once, we’ll mention it a thousand more times: Residential real estate transactions are complex and time-consuming. So now the time has come – you’ve gone through all the open-houses and showings, and finally found “the one.”

The Benefits of an Efficient Home image

The Benefits of an Efficient Home

Summer weather has already turned up the heat. And as we all know, the hotter it gets, the more energy your home is going to use to try and keep things cool.

What are Mortgage Points? image

What are Mortgage Points?

The mortgage process is full of unfamiliar terms for most buyers. Closing. PMI. Appraisal. Underwriting. The list goes on and each, unfortunately, does require a bit of explaining to better understand. In fact, we have done another blog on Mortgage Jargon.

New VA Loan Benefits image

New VA Loan Benefits

2020 saw big changes to the VA Loan Program. The short of it: veterans will have more borrowing power but will also pay slightly higher fees.

Do I Need a Real Estate Agent? image

Do I Need a Real Estate Agent?

It’s a question as old as the real estate business. But it’s not asked as often as you might think, because most people do use a real estate agent. In fact, a study conducted in 2018 found that 90% of consumers use an agent when selling or buying a home.

Springing Up Your Yard and Home’s Value image

Springing Up Your Yard and Home’s Value

Spring 2020 is already in the running for the longest season ever. And, seeing as none of us have anywhere to go, now is the perfect time to spring up your yard and your home’s value.

How Much is My House Worth? image

How Much is My House Worth?

With the blooming of Spring, the housing market is about to be back in full swing. Whether you’re looking to downsize, need room to grow, or you’re ready to find your dream home, now could be the best time to sell your house.

Spring Cleaning Your Mortgage image

Spring Cleaning Your Mortgage

As winter comes to a rest and spring begins to bloom, cleaning is on everyone’s mind. Probably even more so than years past, in fact.

Becoming a Homeowner in 2020  image

Becoming a Homeowner in 2020

Every year brings its own goals. And one of your goals for 2020 may be to finally become a homeowner. If so, you’re reading the right blog. Homeownership is a big deal and once you have the keys to your first home, or your dream home, it’s one of the most exciting moments in your life.

The Benefits of Relationship Lending image

The Benefits of Relationship Lending

You know the old saying, it pays to have friends? Well, in the world of home mortgages, it pays to be friends with your bank. Specifically, Sunflower Bank or First National 1870.

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Building with the Right Lender

Building a new home is exciting. And there are a lot of decisions to be made during the process. Most of which are about how your home is going to look when it’s completed. But one of the more important decisions you’ll need to make is what lender you’ll use.

Building a new home? What to upgrade now and what can wait until later? image

Building a new home? What to upgrade now and what can wait until later?

When buying a newly constructed home, unless you are doing a custom build, it’s likely for most of the home finishes you’ll get builder’s grade quality unless you choose to upgrade for a higher cost. As a result, many homeowners choose a mixture of builder’s grade and custom options based on their personal preferences.
 

PMI (Private Mortgage Insurance) Explained image

PMI (Private Mortgage Insurance) Explained

Every industry has its own library of jargon and acronyms that few customers truly understand. And when it comes to mortgages and real estate, it is no different. But knowing, and understanding, common terms can be the difference between a good or bad experience with buying and selling a home.

Hosting the Holidays image

Hosting the Holidays

It’s the most wonderful time of the year. If you’re the one doing the hosting, it can be daunting. But it doesn’t have to be. And it shouldn’t be. After all, few things are better than being with the people you love.

Make Your House Feel Like Home for the Holidays image

Make Your House Feel Like Home for the Holidays

You just closed on your dream home. Or your first home. Or the home that’s perfect for this chapter of your life. No matter which home you find yourself in, closing this close to the holidays can feel extra stressful. But we have some tips...

Is Your Home Ready for Winter? image

Is Your Home Ready for Winter?

Winter is coming. And we’re not talking about a new season of that show with the dragons. We’re talking about wind chills, frosted windshields, early sunsets, snow, and plenty of hot chocolate.

Mortgage Jargon Explained   image

Mortgage Jargon Explained  

Bad questions? Too many questions? There’s no such thing when it comes to home loans. And certainly not for first time home buyers.

Three Advantages of FHA Loans image

Three Advantages of FHA Loans

You may have heard good things about the FHA loan program, but is it something you should pursue? The FHA (Federal Housing Administration) has provided mortgage insurance on certain loans since 1934.

Benefits of FHA Loans image

Benefits of FHA Loans

Since its creation in 1934, the U.S. Federal Housing Administration (FHA) has insured over 47.5 million mortgages, enabling mortgage lenders to offer loans to individuals who may not have qualified for financing otherwise.

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Simplify New Construction with a One-Time-Close Loan

Choosing each detail. Selecting thoughtful touches. Having a vision and seeing it come to life.

1-Hour Curb Appeal  image

1-Hour Curb Appeal

Whether you’re looking to put your house on the market or you just want to add freshness to your home’s exterior, here are some of the easiest ways to enhance curb appeal this summer.

What Does “Approved with Conditions” Mean for My Loan? image

What Does “Approved with Conditions” Mean for My Loan?

When you find the right home and your offer is accepted, it’s exciting! In most cases, though, there’s still a lot that must happen to get to the closing table.

Should I Renovate or Move? image

Should I Renovate or Move?

Your home is where you go to feel comfort, have fun, and spend time with the people and pets you love. But life changes, and there may come a time when you find yourself wondering if your current house or condo is still a good fit.

3 Reasons to Refinance this Summer image

3 Reasons to Refinance this Summer

Did you know that refinancing is a powerful tool?  Aside from interest rates, other reasons to refi include improving your term or getting cash out of your home’s equity.

Understanding the Debt-to-Income Ratio image

Understanding the Debt-to-Income Ratio

Making smart financial decisions can be easier than you think. By understanding a few key concepts about debt, you can successfully manage your income, your budget, and your expectations.

5 Things You Need to Know About VA Loans  image

5 Things You Need to Know About VA Loans

Guardian Mortgage is proud of the men and women who devote themselves to our country.

Understanding Mortgage Lingo image

Understanding Mortgage Lingo

If you are new to mortgages and residential lending, it can sometimes be overwhelming to understand all of the related terminology.

What is a HomeStyle® Loan? image

What is a HomeStyle® Loan?

Do you see potential behind that paneling? Possibilities for that plumbing?

Top 5 Fall Home Improvement Projects image

Top 5 Fall Home Improvement Projects

It’s the time of year for pumpkin-flavored drinks, football season, and those projects that get your house looking great and ready for winter. Whether you tackle these yourself or hire someone to help, they’ll save you money and could possibly add equity. Get started today!