FAQs | Guardian Capital


To help you better understand the loan process and the time frame involved, we created this section with our most frequently asked questions.

If you have question that is not here, then please contact us right away.

We look forward to working with you.


What Are Your Rates?

Many banks and brokers advertise rates that most people either don’t qualify for or the terms of the loan are unreasonable.

The rate you qualify for depends on 3 variables: Income, Credit Score, and the Percent of Equity you have in your property.

At Guardian Capital, we have an extensive database of lenders and 20 years of experience at your service. We use these variables to determine which of our many lenders is the right match for you, and which will give the best terms for your loan.


Can You Offer a Better Rate than My Bank?

Your bank is in the business of earning interest. The more interest they can charge the more money they make. So they may not be the best option for you.

At Guardian Capital, we are in the business of finding our clients the lowest interest rate with the best terms. We shop around for you, giving you more flexibility, lending options, and always the lowest rates.


How Long Does it Take to Get a Loan?

On purchase transactions you can get your loan in as little as 2 weeks. A refinance can close in as little as 3 weeks.


Is Working with a Broker More Expensive?

No. In fact you are more likely to save money by allowing us to match you with the lender who will give you the best rate and the best terms.


What are My Options?

To understand your options, contact us for your complimentary 60-minute, no-obligation consultation. We will be happy to discuss with you all of your loan options based on your income, credit score, and the amount of equity you have in your property.