Mortgage Loans

We offer a wide variety of mortgages.

But only one kind of loan officer.

Our mortgage lending team gives more than just their expertise. They provide thoughtful, courteous guidance through what might be your largest financial transaction.

Here is a summary of our offerings.

Conventional Mortgages

We are happy to structure your mortgage to suit your needs. We’ll take you through down payment requirements, rates options, and more. We’ll be with you from the pre-qualification to the closing.

FHA/USDA Loans

These options are ideal for first-time homebuyers. They generally require lower down payments (sometimes none), flexible credit choices and relaxed income guidelines.

VA Loans

You’ve served your country, so now let us work to serve you. Eligible veterans can receive program benefits to secure the home of your dreams.

Jumbo Loans

For those with larger-than-usual needs, we offer the loans of similar scale. Whether you’re buying your primary residence, or a second home, or an investment property, we offer fixed-rate terms that will make it possible.

Home Equity Loan

Use your home’s equity to consolidate bills, pay for college, or renovate your kitchen. Your loan officer will take you through the flexible options that allow for low, predictable monthly payments.

Home Equity Line of Credit

You can use a line of credit for any number of needs. It gives you the flexibility to advance and pay down your loan as needed. Lock in fixed monthly payments for large purchases while retaining access to the remaining line of credit.

Residential Lot Loan

You found the lot, now it’s time to get the loan. We can help with a loan to buy the land where you’re going to build.

Land Loan

If you want land for any purpose, we can help you.

Construction Loan

We have helped countless customers fund the home of their dreams.

Find out more about what’s possible with a Guardian Bank mortgage loan.

Our calculator can help you imagine the possibilities.

You don’t need to be an accountant to explore different scenarios. How much do you want to put down? What will your monthly payment be? You can get answers to these and other questions.

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