About Us | Guardian Capital


Based in Southern California and established in 1994, Guardian Capital is a wholesale[1] mortgage lender, specializing in new home loans, refinancing, and Reverse Mortgages. Our focus has consistently been on building long term relationships with our clients. To that extent, we pride ourselves in having the best customer service and the best loan rates available.


Benefits of Working with Guardian Capital:


1. More Loan Options: As a wholesale mortgage company, we have an array of lenders to choose from when building your loan package. Unlike banks, which are only one lending source, and therefore offer limited choices, we provide our clients with the benefit of multiple lenders and maximum flexibility when building a loan package.

2. The Lowest Interest Rates: Having access to a large variety of lenders, we are able to find you the most competitive interest rate in the market to meet your financial needs.

3. 20 Plus Years of Experience: Only the best survive this long in mortgage business. Throughout the market fluctuations and the 2008 housing crisis, we have continued to thrive due to our rock solid reputation and placing people and relationships before dollars.

4. Relationships: Great majority of our business is based on referrals. Friends refer friends, parents refer their children, and co-workers refer co-workers.  At Guardian Capital, we invest in our clients’ long term financial well-being. Visit our testimonials page.

5. Patience: Due to poor credit, bankruptcy, or other unforeseen circumstances, some clients have been turned down for a loan by their bank. At Guardian Capital, we give our clients 100% support, care, and diligence. No matter how long it takes, we work with our clients to ensure they get the loan they deserve.

If you’re looking for a loan to purchase, refinance, or Reverse Mortgage, contact us for your free 90-minute, no-obligation consultation. We’re looking forward to speaking with you.


[1] A wholesale lender has a wide variety of lenders to choose from; more lenders means more flexibility and a higher probability for finding the best, most competitive loan package.

Our Mission

At Guardian Capital we strive to provide our clients with the best mortgage experience possible. What matters most to our clients, matters to us; and we show our caring through our professionalism, diligence, and patience.