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MEMBER SERVICE

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800.556.5154
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Click here to meet our mortgage team





What's your home buying IQ?

Our interactive Home Buying Coach can teach you shopping and buying strategies.


Do the math
Use our mortgage calculators to determine your payments and loan term.

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You are navigating away from guardiancu.org and will be linking to an alternate web site. While that web site is affiliated with Guardian Credit Union, it is not operated by us. We are not responsible for the content of the alternate web site and will not represent either the third party or the member if the two enter into a transaction. Privacy and security policies may differ from those practiced by Guardian Credit Union.


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Mortgage
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View all loan types 

LOCAL SERVICING AND
LOW RATES
We'll make sure you have the right loan, with affordable payments and a competitive interest rate.
 

Today's Featured Rates

Fixed Rate
30 Year Fixed Rate
 Rate  APR  Points
 4.375%  4.421%  0.000%
15 Year Fixed Rate
 Rate  APR  Points
 3.375%  3.453%  0.000%
10 Year Fixed Rate
 Rate  APR  Points
 3.125%  3.238%  0.000%
Adjustable Rate
3 Year Adjustable Rate
 Rate  APR  Points
 3.375%  2.928%  0.000%

Personalized Quote

Why Get Your Mortgage with Guardian Credit Union?

Personal Asssistance

In addition to applying online, you can call or e-mail one of our mortgage professionals to answer any of your questions or to ask for advice.

Close Your Mortgage Quickly

We can get your mortgage approved in minutes, rather than days or weeks!

Free Pre-approvals

We offer free pre-approvals, so you can shop for your home knowing that you can afford the mortgage.

We'll Help You Determine Which Program Is Best For You

We offer a variety of loan options to choose from including fixed rate mortgages and adjustable rate mortgages. We offer easy to understand explanations of each program on the site and a Loan Officer is always just a call or e-mail away!

Rate Watch

Keep an eye on rates via email. Sign up for Rate Watch.

Mortgage Calculators

How much would my monthly payment be?

How much can I save with a 15 year mortgage?

Can I save money by refinancing now?

How quickly can I pay off my mortgage by making additional payments?

Rates are effective as of today and are subject to change. Subject to qualification.

First Time Home Buyers Save Over $500
If you are buying your first home, or if you haven't owned a home during the past three years, you may qualify for discounted closing costs of only $599.


Fixed Rate Adjustable Rate (ARM)

Providing you with a strong sense of security, this mortgage will have the same monthly payments for the life of the loan. You may choose a 10, 15, 20 or 30 year payment schedule.

Your rate is fixed for one, three, five, or seven years and adjustable each year after that.

Construction Loan FHA and WHEDA Loans
We'll finance your new home with a 1 year construction ARM. You'll make interest-only payments during the construction period. Click here to contact a member of our Mortgage Team to get the process started! If you are a first time home buyer or your annual income meets the requirements, you may qualify for an FHA or WHEDA loan. If you qualify, your down payment may be as low as $100.00! Please ask us for more information on these products and to see if one may be right for you. Click here to meet our Mortgage Team.

Get Preapproved Now!

Complete the online prequalification form to help you understand your mortgage options. With a preapproval, you'll have better negotiating power and you can spend your time looking at homes you know you can afford.

 

*Rates are effective as of today, may change at any time, and are subject to qualification. APR stated assumes $150,000 loan with 40% down payment. APR will increase with less money down and Private Mortgage Insurance (PMI) insurance costs added. Published rates are available for credit scores of 740 or higher. Maximum loan to value (LTV) is 95% on purchases and 95% on refinances.  Restrictions and rate adjustments may apply. To guarantee a rate, you must submit a rate lock application. A $5.00 savings account is required.




           

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