Services | Guardian Capital

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Smart clients value low rates, customer care with a personal touch, experience, and competence.

Whatever your goals, Guardian Capital is here to assist you.

Home Purchase Loans

Whether you’re a first time homebuyer or you’re buying a vacation home, we have a system that streamlines the loan process, and we give each client the attention and care he or she deserves.

Prequalify today

Refinancing

Many people make the mistake of refinancing with their bank because they think it’s easy and they’re getting the best rate. But what could be easier than having our mortgage experts shop the best loan rate and build the most competitive loan package for you? At Guardian Capital, you are guaranteed to work with a broker with years of experience and the right contacts.

Get started with our refinancing calculator. 

Reverse Mortgages*

Imagine living in your home, mortgage-payment free for as long as you live in your home. You can with a Reverse Mortgage!  A Reverse Mortgage can be a smart option for people 62 and older who want to use their cash for other purposes, rather than paying a monthly mortgage.

FHA Loans

Less than perfect credit? An FHA loan may be what you need.  FHA loans make it easier for you to qualify, even if you’ve had a bankruptcy.  FHA loans, “…have a 3.5% down payment and that money can come from a family member, employer or charitable organization as a gift. Other loan programs don’t allow this,” (citation). 

VA Loans

If you’re a veteran, active duty, guard or reserve, or military spouse, you may qualify for a VA home loan. According to Military.com,  “…the VA can guarantee up to $417,000 of the total loan—much higher than you can get with most conventional home loans.” You can also use the VA to refinance.

Subprime Loans

Turned down by your bank or other lenders? Then you may qualify for a subprime loan.  “Subprime loans tend to have a higher interest rate than the prime rate offered on traditional loans,” (citation).   However, subprime interest rates are not fixed, so you can still save tens of thousands of dollars by allowing the loan experts at Guardian Capital to use our extensive list of contacts and our experience to find you the best subprime loan rate.

 

If you’re looking for a home loan, refinance, or reverse mortgage then contact us for your free 60-minute, no-obligation consultation. We’re looking forward to working with you.

 

*According to ReverseMortgage.org, “The loan is called a reverse mortgage because the traditional mortgage payback stream is reversed.  Instead of making monthly payments to a lender, as with a traditional mortgage, the lender makes payments to the borrower.  http://www.reversemortgage.org/About.aspx