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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
Darci was very helpful and answered all my questions. She was able to explain everything so that I understood what was happening and was with me each step of the way!
Crystal
Meridian, ID
May 07, 2024
5 Star Rating
Tammy is great because she always gave us all the information we requested and needed. Consistently responded in a very timely manner. Clearly knows the loan business, does her research and provided us with the best possible rates and costs. Could not have been happier!!
Kevin
Middleton, ID
May 07, 2024
5 Star Rating
Jason's expertise, communication, and dedication made the mortgage process a breeze. He was readily available to address any questions or concerns, ensuring a smooth and stress-free experience. Highly recommend his services!
Monika
Las Vegas, NV
May 07, 2024
5 Star Rating
Jordan was there for us every step of the way and was able to answer all of our questions!
Amanda
Spokane, WA
May 07, 2024
1 Star Rating
Daisy is a very sweet person, but she has terrible communication, doesn't call when she says she's going to, and seems to only have a base-level understanding of what she's doing. She recommended a process to me that ended up having significant tax implications neither she nor her boss had any idea about and I only found out about after the deal had been executed -- it's my fault for not investigating it more thoroughly myself, but I trusted her as an advisor and showed her level of competence). I never felt like a knowledgeable partner with any degree of urgency. During the process, I found out things in retrospect I should have known ahead of time, and by the end of our HELOC experience her boss had to take over and tell me if I had questions just to go to him because it didn't seem like he much trusted her, either. Jed was very helpful, instrumental in closing our HELOC, and I'm grateful for that -- but this has been a terrible experience and I will not recommend this company to anyone, ever. Once the loan closed, Daisy sent me cookies, which was very sweet -- but absolutely no information on how to manage my loan, pay my monthly payment, when payments would start -- nothing -- despite asking several times. I ended up having to ask Jed for that, too. There is nothing to fix here, the loan closed and I'm happy about that, but you guys need to take a look at the people representing you out there in the world. Daisy seems to be a kind person who is in WAY over her head. I will never use Guardian or Sunflower again.
Joshua
San Marcos, TX
May 07, 2024
5 Star Rating
Both Hakan and his assistant, Cheyenne, were very helpful with navigating through the contingencies we had to meet for the loan. Hakan is very calm and confident which is contagious; definitely necessary for a process that is stressful.
Brenden
Lawrence, KS
May 07, 2024
5 Star Rating
Bruce was very knowledgeable, reachable, quick to respond, and overall helpful
Erica
Clinton, MD
May 07, 2024
5 Star Rating
Mr. Hummel was amazing from the start. He went above and beyond to find something that worked for my budget. Mr. Hummel’s amazing customer service and communication skills made the process understandable and pleasant, as a first time home buyer. I definitely could not have done it without his amazing work. My family and I have already made beautiful memories in our new home. Thank you!
Diana
San Antonio, TX
May 07, 2024
5 Star Rating
Helpful communications throughout the entire process.
Kristen
Bella Vista, AR
May 06, 2024
5 Star Rating
We recently purchased a house in Spokane Valley, WA, and had the pleasure of working with Chris Scott as our Mortgage Loan Originator. From start to finish, Chris provided exceptional service, making the entire process smooth and stress-free. Chris is incredibly patient, friendly, and hard-working. He consistently went above and beyond to provide prompt responses and valuable insights. Even when my husband and I were tied up at work and couldn't respond to his emails immediately, Chris always had our backs, ensuring that everything transitioned seamlessly. His professionalism and knowledge truly set him apart. Chris answered all of our questions with clear and comprehensive explanations, guiding us through every step with confidence. He also worked tirelessly to help us secure the lowest closing costs possible. What stood out the most was Chris's dedication to his clients. He genuinely cared about our needs and was always available to provide advice and reassurance, even after his regular business hours. His warm personality and commitment to excellence made us feel like we were in the best hands. If you're looking for a mortgage loan originator who will make your home-buying experience exceptional, we highly recommend Chris Scott. His unparalleled service and expertise made a significant difference, and we're incredibly grateful for his support.
Zixu
Spokane Valley, WA
May 06, 2024
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Welcome New Mortgage Loan Originators