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

Very responsive and timely
Jacqueline
Litchfield Park, AZ
April 19, 2024
Great service throughout every step.
Tucker
Spokane, WA
April 19, 2024
Dustin went far above and beyond what was expected. He answered every phone call whether it was 10am or 10pm, and kept me on track and updated with every single step along the way. I have already recommended Dustin to friends of mine.
Joseph
Meridian, ID
April 19, 2024
It was mostly easy
Eric
Spokane Valley, WA
April 19, 2024
Chad was great at communicating with us through each step of the process
Samantha
Medford, OR
April 19, 2024
Chris was very helpful and answered all our questions in a timely manner.
Jolynn
Davenport, WA
April 19, 2024
Steve is highly organized and communicates clearly and often
James
Atlanta, GA
April 19, 2024
The personal connection made and ease of business.
Daniel
Arvada, CO
April 19, 2024
I’m so grateful to have Sarah’s help and expertise. She explained everything in detail and kept me updated throughout the whole process. Everything went so smoothly, she was fantastic.
Nathan
Carrollton, TX
April 19, 2024
Pearl kept great communication throughout the process. She explained everything very well and when I had a question she was always very quick to respond.
Mercedes
Schertz, TX
April 19, 2024
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Business professionals working together

Welcome New Mortgage Loan Originators

Jaime Richmond Mortgage Loan Originator Vancouver, WA Guardian Mortgage

Jaime Richmond

Vancouver, WA
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Natasha Chelone Mortgage Loan Originator Vancouver, WA Guardian Mortgage

Natasha Chelone

Vancouver, WA
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Mark Pendley Mortgage Loan Originator Vancouver, WA Guardian Mortgage

Mark Pendley

Vancouver, WA
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Dave Lind Mortgage Loan Originator Vancouver, WA Guardian Mortgage

Dave Lind

Vancouver, WA
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Douglas Rupp Mortgage Branch Manager Vancouver, WA Guardian Mortgage

Douglas Rupp

Vancouver, WA
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Laura Hanson Mortgage Loan Originator Phoenix, AZ Guardian Mortgage

Laura Hanson

Phoenix, AZ
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Eric Vander Werff Mortgage Loan Originator Vancouver, WA Guardian Mortgage

Eric Vander Werff

Vancouver, WA
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Mario Alvarado Rios Mortgage Loan Originator Spokane, WA Guardian Mortgage

Mario Alvarado Rios

Spokane, WA
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Marietta Companie Mortgage Loan Originator Greenwood Village, CO Guardian Mortgage

Marietta Companie

Greenwood Village, CO
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Achim Reinhart Mortgage Loan Originator Plano, TX Guardian Mortgage

Achim Reinhart

Plano, TX
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