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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!
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.
Antione
Phoenix, AZ
March 26, 2024
5 Star Rating
Matt was communicative and helpful with every step of the process. He and his team were a delight to work with and even our title agent had to rqve about how easy they made everything. Very great team here!
Michael
Walkerton, IN
March 26, 2024
5 Star Rating
Matt’s knowledge about loans, attention to details, and communication skills are the best I’ve ever experienced. Matt is extremely professional and truly cares about doing a top notch job. I will recommend him to everyone I know.
Alisa
Spokane, WA
March 26, 2024
5 Star Rating
(Translated by Google) I recommend Nick for any mortgage process
He is very professional in his work
He treated us with kindness and attention from the beginning until the closing of the loan 👍
(Original)
Les recomiendo a Nick para cualquier tramite de hipoteca
Es muy profesional en su trabajo
A nosotros nos atendió con amabilidad y atención desde el principio hasta el cierre del prestamo 👍
Juan
March 26, 2024
5 Star Rating
(Translated by Google) It was incredible to work with Nick, he helped us get our first house with the best rate, he answered all our questions and was always friendly and professional, he always communicated about how the process was going, I recommend him without a doubt!
(Original)
Fue increíble trabajar con Nick, nos ayudó para conseguir nuestra primera casa con la mejor tasa, nos resolvió todas las dudas y siempre fue amable y profecional siempre tuvo comunicación sobre cómo iba el proceso, yo lo recomiendo sin duda alguna!