The following navigation utilizes arrow, enter, escape, and space bar key commands. Left and right arrows move through
main tier links and expand / close menus in sub tiers. Up and Down arrows will open main tier menus and toggle through
sub tier links. Enter and space open menus and escape closes them as well. Tab will move on to the next part of the
site rather than go through menu items.
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.
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!
Everything! My husband spoke of Rick like a family member. We learned so much from him through the entire process. How Rick explained each step was commendable. The communication was awesome, educational, and very timely. The follow ups were always on time. Rick was very encouraging, patient, and factual... meaning that he was very honest in our situation. Our overall experience was flawless. I would recommend Rick and this company to anyone. Thank you for making this huge transition a smooth journey. Best regards in the future. Saundra Robbins
Saundra
Indian Trail, NC
March 28, 2024
5 Star Rating
It was awesome to work with someone that had our best interest and understood what we needed to get everything done on time, I'm grateful for that.
John
Indian Trail, NC
March 28, 2024
5 Star Rating
On time and smooth
Neil
Medford, OR
March 28, 2024
4 Star Rating
Maxine was responsive and helpful in talking us through the process as first time homebuyers. The online portal for documents and signatures was easy to use, and the email updates were effective in keeping us informed on updates.
Austin
Longmont, CO
March 28, 2024
5 Star Rating
I have gone through Steve for all my home loans for the past 15 years and have always had a great experience. He walks you through every step of the way and keeps you informed at all times. I highly recommend him for your home loans/
Martha
Gilbert, AZ
March 27, 2024
5 Star Rating
No hassles, knew exactly where we were in the process. Bruce always communicated professionally and quicly to any questions we had.
Desiree
Ormond Beach, FL
March 26, 2024
5 Star Rating
Nick's professionalism, attention to detail. They were extremely thorough and responsive, ensuring that all our needs and concerns were addressed He went above and beyond our expectations, ensuring that we felt supported and well-informed every step of the way.
Erika
Phoenix, AZ
March 26, 2024
5 Star Rating
I would like to express our deepest appreciation and gratitude for the exceptional service that Nick Gutierrez and his team provided. A family member recommended Nick, and we are truly grateful for their recommendation. Nick's professionalism, attention to detail, and dedication made a significant impact on our lives.
From the moment we started working with Nick and his team, we knew we were in good hands. They were extremely thorough and responsive, ensuring that all our needs and concerns were addressed promptly. Nick's expertise in the field was outstanding, and his guidance throughout the process was invaluable.
What impressed us the most was Nick's promptness in addressing our inquiries and resolving any concerns that arose. He went above and beyond our expectations, ensuring that we felt supported and well-informed every step of the way.
It is evident that Nick takes great pride in his work and genuinely cares about his clients. His commitment to delivering exceptional service is truly commendable. We are grateful for the positive impact Nick and his team had on our experience.
Once again, we extend our sincere thanks to Nick and his team for the exceptional service they provided. We highly recommend Nick Gutierrez to anyone in need of a professional and dedicated service provider.
Erika
March 26, 2024
5 Star Rating
She was always there for us she help us with our concerns with a great attitude we definitely recommend her .
Jesus
El Paso, TX
March 26, 2024
5 Star Rating
Fred was a great help throughout the entire process.