Our Process | Guardian Capital


Looking for a loan with the best interest rate?


Let our experts do the shopping for you.


Finding the best interest rate for your home loan or refinance is not like shopping for a car.

Interest rates fluctuate throughout the day, and there are other variables you may not be aware of when looking for the best interest rate on a loan. (Read our FAQs)

Without the experience of an expert behind you, you could be hurting your chances of getting the best interest rate available.

Banks offer a limited number of loan programs, and they have strict underwriting guidelines for their protection, not yours.

However, at Guardian Capital we are able to offer a large selection of loan programs with more flexible guidelines.

We will find you the lowest interest rate, put together the most competitive loan package, and negotiate with the underwriter on your behalf.


As part of our stellar customer service, we walk you through each step in the process:


1. Determining Your Goals: Whether you are you buying a single family home, a 4-plex, or you need a reverse mortgage, your goals are what drive the loan process.

2. Gather the Right Documents: Even if you’ve purchased or refinanced property in the past, the documents required to process your loan can be overwhelming. We’ll help you determine and gather the correct documents to help you achieve the best results.

3. Build the most competitive loan package: The next step in the process is to use our vast experience, contacts, and knowledge to build the most competitive loan package for you.

4. Apply: Our job doesn’t stop with finding the best rate. A key part of our job involves addressing the underwriter’s concerns and questions to get the file approved for the best rate and program.  With 20 plus years of experience, we have optimized the process and we get the best results for our clients.

Contact us today for your complimentary 60-minute, no-obligation consultation OR click here to get pre-approved.