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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!
Mr. Grimes has been a pleasure and such an excellent Loan Originator. This is the third time I worked with him to handle my refinance since 2012 till now! Every time I called him and ask for help he goes out of his way making sure everything was done properly and provide with an excellent service to make sure I’m well satisfied. Not only he gave an excellent service, he also very compassionate and always connect with his clients. I started work with back in 2012. I was a widow with 2 young daughters 8 and 5 yrs old. My husband who was in an Army National Guard died on 2020 instantly from a heart attack at the age of 32 years old. I then decided to buy a house and moved to New Jersey so I can continue what my late husband and I planned for our children to give them better life and move them away from The Bronx NY.
2011, I went back to school full time for Ultrasound Technician, so i can have a better opportunity raising my children on my own. 2012 I started struggling and was going through a lot ESP financially, how I will survive this crisis financially being a single mom and students at the same time without a job but depending only my pension from my husband plus education benefits. Then someone told me to do a refinance and tried. For some reason, God lead me to Mr. Grimes! He was a life savior since I honestly didn’t know what to do and was praying so hard that I’ll get approved. He went out of his way and took good care of my credit score, VA benefits etc so I can get harfship. I can’t thank him enough for all the things have done. Then I did another refit back in 2016 since I just literary finished school and still having a hardship financially. I did it again this time on my third time refi with Mr. Grimes since I wanted to have a home improvement of my house since I’m planning to move out from NJ to Florida possibly in 3 to 5 years so I can Maximize the amount of my house. Now, I’m one of the top Lead Cardiac and Diagnostics Sonographer in my job and saving lives for 9 years!! Mr. Grimes knows my struggle and ups and down all through this year and he helps me all the way from the very very beginning. Every time I speak to Mr Grimes he will always ask about my girls till now. Mr. Grimes had an impact on my life to get through where I am today. I’m very very thankful and grateful with Mr. Grimes and his wife. He's such an amazing person to work with, and he's the best Loan Officer to work with. Mr. Grimes employer is so lucky to have him because he's a big asset to the company to provide all the great service he did with me and to all of his clients. I told him when I’m ready to sell my house or purchase my new home in Florida he will hear from me again. Thank you Mr. Grimes, and I thank you and your wife supporting me all the way!!!
Helen
East Brunswick, NJ
March 17, 2024
5 Star Rating
Matt
March 17, 2024
5 Star Rating
Team Dean did a great job communicating through the process and were able to complete a quick close!
Matthew
Munds Park, AZ
March 17, 2024
5 Star Rating
Jay has been great to work with. The process for a construction loan was smooth and so easy for our builder. That was the biggest benefit to us and would recommend Jay anytime!
Kimberlee
Worley, ID
March 16, 2024
5 Star Rating
Callie is exceptional! She listens, communicates well and works hard to meet all your needs during what can be a very stressful time. I highly recommend Callie Watkins for your mortgage loan needs.
Patricia
Colbert, WA
March 16, 2024
5 Star Rating
Open to discussion, helpful all the time
Daniel
Round Rock, TX
March 15, 2024
5 Star Rating
Sean is always willing to work with me in tricky situations and always has a great attitude.
Estela
Richardson, TX
March 15, 2024
4 Star Rating
Whitley was very helpful, kind and overall made this a stress free experience. 10/10
Michael
Burleson, TX
March 15, 2024
5 Star Rating
In constant communication with updates. Always available to answer questions.
Deborah
Deer Park, WA
March 15, 2024
5 Star Rating
Very communicative, incredibly professional, easy to work with, absolutely on top of things, even went the extra mile at the eleventh hour to help make sure my mortgage was set up with escrow before the contract signing deadline expired.