Mortgage Loans

Whether you are a first time home buyer, refinancing an existing home, or remodeling an older home, we offer a wide range of home loan products that will meet your needs.


Before you begin your search for that perfect house, stop in and see our mortgage professionals for preapproval. A preapproval letter from Guardian is our agreement to lend you a specific amount to purchase your new home, subject to certain conditions.

Fixed Rate Mortgage

Your principal and interest payment will remain the same for the entire life of your loan.

Adjustable Rate Mortgage (ARM)

A mortgage in which the interest rate is adjusted periodically. Guardian’s Adjustable Rate Mortgage may provide you a lower starting rate than a Fixed Rate Mortgage. After an initial payment period the interest rate may go up or down based on market conditions.

Down Payment Assistance

One or more grants may be available to help with your downpayment and closing costs. To receive a grant your annual household income cannot exceed established limits. The grants are normally reserved for first time homebuyers.


If you’re looking to refinance to lower your monthly payment or obtaining cash from your equity, we have a variety of attractive refinancing options.

If you’re unhappy with your current out of town lender because your loan has been sold several times and you have difficulty finding a live person to answer your questions, refinance with a Guardian mortgage loan.

  • Our primary lending area is Madison County.
  • Hazard Insurance is required on all mortgage loans.


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