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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
It was great to work with Alan, he made so easy to understand and follow directions to accomplish all the tasks that needed to get those milestones done. I’d highly recommend him, his team and the app. you get to work with in order to execute the same goal. Thank you, so much! 🫶
Ely
Denver, CO
May 04, 2024
5 Star Rating
I enjoyed the detailed explanations and timely communications.
Sierra
Crowley, TX
May 04, 2024
5 Star Rating
Easy tracking on what step we were in our process. Other than our high interest rate that I know you personally have no control over, it was one of the easiest refi's I experienced!
Annette
Nampa, ID
May 04, 2024
5 Star Rating
Very communicative, supportive, and easy to navigate.
Alison
Kennewick, WA
May 04, 2024
5 Star Rating
Communication was great and Eric was available even on Sunday evenings when we had questions. Eric was very professional but was very approachable with any questions we had as first time home buyers. We discovered some mistakes in the documents sent to us however Eric made sure to correct them immediately and handled it in a great caring way and made sure to win our trust. Eric was/is always available for questions and made sure to explain everything in detail with us. We would highly recommend Eric’s services from him and his team (summer) to anyone else.
Sybe
Lakewood, CO
May 04, 2024
5 Star Rating
Thank you Mickey for taking care of us!
Chelsi
Portland, OR
May 04, 2024
5 Star Rating
Mrs.Valerie was great at her job and very hands on. She worked with my busy work schedule and always made time for my question I had on any topic along with extra advice. She also made time to show up for my signing date which was a great surprise that I actually got to meet her in person.
Christopher
Texas City, TX
May 04, 2024
5 Star Rating
Communication is key in the loan process and Diana nailed it! She not only found a construction loan program that best fit our family’s needs, she was also incredibly patient with our questions and thorough with her answers. From pre-qualifying all the way to closing, Diana kept us informed and guided us along the way. Without us asking, she took time out of her busy schedule to meet us at our signing appointment to be available in the event any questions came up. We closed the loan on time and our builder is already onsite and construction of our Barndominium is underway. We are looking forward to working with Diana again when construction is complete to refinance our loan. Diana and her team were, all-around, wonderful to work with. We will highly recommend her to friends, family, and anyone looking for a loan to build, purchase, or refinance their home.
Dione
Horseshoe Bend, ID
May 04, 2024
5 Star Rating
Larry answered all my questions and continuously kept me informed during all stages of the loan process.
Mohamed
Tacoma, WA
May 03, 2024
5 Star Rating
We previously worked with Michelle on our commercial building. So we were very comfortable having her handle our new house mortgage. She is very responsible, efficient and patient! We highly recommend her to others.
Pamela
Loudon, TN
May 03, 2024
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