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Guardian Home Loans Makes It Possible

Explore refi options and monthly savings in seconds

No hassle. No waiting. No social.

Our Services

Call us today to discuss your situation and how we can help!

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Home Purchase

At Guardian Home Loans, we are committed to being the ideal partner throughout your homeownership journey. We will guide you through every step of the process, ensuring you secure the most competitive rates and favorable terms available. Whether you're a first-time homebuyer or looking to upgrade, our personalized approach and unwavering commitment to excellence sets us apart, making your dream home a reality with ease and confidence.

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Cash Out

A cash-out refinance with Guardian Home Loans empowers you to unlock the untapped equity in your home. By refinancing at a favorable rate, you can access a lump sum of cash to use for home improvements, debt consolidation, or any other financial goals. With our trusted expertise and personalized solutions, we help you make the most of your home's value while enjoying the benefits of a seamless and rewarding refinancing experience.

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Lower Mortgage Payment

Refinancing your home to a lower interest rate can save you thousands of dollars over time, reducing your monthly mortgage payments and allowing you to pay off your loan faster, all while potentially freeing up cash for other important goals. Most homeowners prefer to finance any closing costs within the new loan amount, so many of these deals can be completed with little to no money out of your pocket. Call or email us today to find out how much you can save!

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VA/USDA/FHA Programs

Explore a variety of mortgage offerings tailored to different needs and circumstances. VA mortgages honor our military by providing attractive terms for eligible veterans, while USDA mortgages open doors to rural homeownership with no down payment needed. For those seeking flexibility, FHA mortgages offer lower credit requirements and down payment options, making owning a home more achievable.

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Joe Wilbert - Principal Broker

With years of experience in the residential mortgage industry, Joe understands the numerous advantages a seasoned broker can offer clients. By having relationships with dozens of the best wholesale lenders in the country, Guardian Home Loans does the shopping for you to ensure you receive the best possible financing terms on your purchase or refinance. We work for you, not the bank!

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Local, Professional Service
 

Through an extensive portfolio of lenders, we connect borrowers with financing programs tailored to meet their needs and financial situation.

At Guardian Home Loans, we are proud to offer the best rates that are available to you. We specialize in ALL types of residential loans for ALL types of credit profiles. To ensure a smooth and stress-free process, we guide borrowers every step of the way, from the initial credit review to the loan closing.

Whether you are purchasing or refinancing your personal residence, or are a real estate investor, we will customize a practical loan program that is perfectly suited to you.

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Client Testimonials

We care what our customers think of us and so should you. We are partners in your business and your success is ours.

Rating
5.0
23 reviews
Lex Goodlett
Paige was great to work with. She was available whenever we needed her and worked hard to find us the best mortgage she could. She even came to the closing to make sure there were no last minute problems.
Paige was great to work with. She was available whenever we needed her and worked hard to find us the best mortgage she could. She even came to the closing to make sure there were no last minute problems.

Lex Goodlett

2 months ago

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stephen nichols
Had the best financial guy i could ask for. He helped me with every question I had and explained it in detail. The entire process was very easy thanks to joe. This was my first home I bought and he made the whole process very easy. Highly recommend to an ...
Had the best financial guy i could ask for. He helped me with every question I had and explained it in detail. The entire process was very easy thanks to joe. This was my first home I bought and he made the whole process very easy. Highly recommend to anyone!
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stephen nichols

3 months ago

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Rita Lewis
Joe, was great to work with, kept us informed every step of the way. Was always available for questions and promptly responded.
Joe, was great to work with, kept us informed every step of the way. Was always available for questions and promptly responded.

Rita Lewis

3 months ago

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KYLEENE JACKSON
I have had a great experience working with my loan officer, Paige Almond. She has helped with the application process, answered any and all questions, even when I asked multiple times, lol. It seemed like an easy process getting all of our documents to he ...
I have had a great experience working with my loan officer, Paige Almond. She has helped with the application process, answered any and all questions, even when I asked multiple times, lol. It seemed like an easy process getting all of our documents to her. She was always checking in on us seeing if we needed help with anything. We built a great relationship with her, and that means a lot when going through the process of buying a home. She always got back to us in a timely manner. She is very trustworthy and makes you feel at ease through the process. I’d recommend her to anyone.
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KYLEENE JACKSON

3 months ago

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Daniel Jackson
Quick fast and easy to work with
Quick fast and easy to work with

Daniel Jackson

3 months ago

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Joel Moretta
I’ve had the privilege of working side by side with Joseph Wilbert from Guardian Home Loans, and I can say without hesitation—he’s the best loan originator I’ve ever worked with, hands down. Joe is knowledgeable, responsive, and truly cares about his cli ...
I’ve had the privilege of working side by side with Joseph Wilbert from Guardian Home Loans, and I can say without hesitation—he’s the best loan originator I’ve ever worked with, hands down. Joe is knowledgeable, responsive, and truly cares about his clients. He goes above and beyond to make the loan process smooth, stress-free, and efficient. His attention to detail and commitment to getting the job done right is unmatched. If you’re looking for someone who will fight for your loan like it’s his own, Joseph Wilbert is your guy. I recommend him to clients, friends, and family without a second thought. You won’t find a better mortgage professional out there.
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Joel Moretta

3 months ago

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Jeanie Nannarone
Joe is professional and makes the process of getting a mortgage so much easier. Thank you Joe for all of your help!! I highly recommend! ⭐️⭐️⭐️⭐️⭐️
Joe is professional and makes the process of getting a mortgage so much easier. Thank you Joe for all of your help!! I highly recommend! ⭐️⭐️⭐️⭐️⭐️

Jeanie Nannarone

4 months ago

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John McCullough
Paige almond was a tremendous help with finding me a realtor to help find a place in the area I was interest in. As well as assisting with loan and the whole process of buying a new home. Thank you Paige for all your help. Highly recommend
Paige almond was a tremendous help with finding me a realtor to help find a place in the area I was interest in. As well as assisting with loan and the whole process of buying a new home. Thank you Paige for all your help. Highly recommend

John McCullough

4 months ago

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Patricia McCullough
Paige Almond was very helpful and nice person. Family oriented, she actually cares and does all she can to help get you into your dream home. we greatly appreciate you
Paige Almond was very helpful and nice person. Family oriented, she actually cares and does all she can to help get you into your dream home. we greatly appreciate you

Patricia McCullough

4 months ago

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Jamie McCullough
Paige Almond was very friendly, time efficient and works hard to get you the loan and everything you need to close on your house. I highly recommend her
Paige Almond was very friendly, time efficient and works hard to get you the loan and everything you need to close on your house. I highly recommend her

Jamie McCullough

4 months ago

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Austin Hunt
10/10 Company! We worked directly with Paige Almond and she was wonderful the whole time. We'll never use anyone except her now, her and her company made the whole process very seamless!
10/10 Company! We worked directly with Paige Almond and she was wonderful the whole time. We'll never use anyone except her now, her and her company made the whole process very seamless!

Austin Hunt

4 months ago

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Bri Hunt
Paige Almond was our mortgage broker and she’s a 10/10! Loved every second of working with her 🙂 She’s quick to respond, knowledgeable, and very sweet! I cannot recommend her or this business enough!
Paige Almond was our mortgage broker and she’s a 10/10! Loved every second of working with her 🙂 She’s quick to respond, knowledgeable, and very sweet! I cannot recommend her or this business enough!

Bri Hunt

4 months ago

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Cameron Brown
I’ve worked with many people when looking for a home. I was devastated when working with a corporate bank to find I couldn’t get the home I wanted. I heard of a nice woman named Paige Almond. I’ve never been so happy and satisfied in my life. Not only did ...
I’ve worked with many people when looking for a home. I was devastated when working with a corporate bank to find I couldn’t get the home I wanted. I heard of a nice woman named Paige Almond. I’ve never been so happy and satisfied in my life. Not only did I get the house I wanted, she worked and got me the best interest rate. I 10 out of 10 recommend Paige Almond for your next home buying process.
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Cameron Brown

5 months ago

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Anthony Barbee
Paige was awesome and very helpful. Reached out to me about refi. I actually received better final numbers than originally quoted. Would definitely use her in the future again
Paige was awesome and very helpful. Reached out to me about refi. I actually received better final numbers than originally quoted. Would definitely use her in the future again

Anthony Barbee

5 months ago

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Lauryn Spangler
It was amazing and so easy with all their help. Would highly recommend
It was amazing and so easy with all their help. Would highly recommend

Lauryn Spangler

7 months ago

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Kori Lowman
Joe was so easy to work with! Very patient and answered all our questions! We were able to get into our new home on schedule and that included the holidays!
Joe was so easy to work with! Very patient and answered all our questions! We were able to get into our new home on schedule and that included the holidays!

Kori Lowman

8 months ago

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Darren Moore
Paige and her associates helped us tremendously throughout the entire process. Readily available for any question or concern and very knowledgeable about every step we went through. Highly recommend using them!
Paige and her associates helped us tremendously throughout the entire process. Readily available for any question or concern and very knowledgeable about every step we went through. Highly recommend using them!

Darren Moore

11 months ago

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Rosemary Kiskaden
Paige is awesome. Everyone she make everything possible for anyone. Looking for real she's the one to go too She made our dreams come true
Paige is awesome. Everyone she make everything possible for anyone. Looking for real she's the one to go too She made our dreams come true

Rosemary Kiskaden

11 months ago

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Sara Czoka
I was introduced to Paige with Guardian during my first home-buying experience. She is extremely smart, sweet, and has been supportive through the whole process! She worked with me to get everything in place and answered all my questions! She is very know ...
I was introduced to Paige with Guardian during my first home-buying experience. She is extremely smart, sweet, and has been supportive through the whole process! She worked with me to get everything in place and answered all my questions! She is very knowledgeable about all parts of the process and just pleasant to work with! 😂 I would recommend her to anyone!
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Sara Czoka

11 months ago

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connor mcmanus
We are first time home buyers who had little /no idea about the process of purchasing a home. Joe Wilbert was there for us every step of the way!, he provided a calm and professional outlook no matter what we struggled with, and I am happy to say that we ...
We are first time home buyers who had little /no idea about the process of purchasing a home. Joe Wilbert was there for us every step of the way!, he provided a calm and professional outlook no matter what we struggled with, and I am happy to say that we are officially homeowners thanks VERY much in part to his steady guidance and friendly professionalism, Thank you Joe, truly!
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connor mcmanus

1 year ago

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Jacob Kelley
My wife and I purchased our first home this year. After speaking with multiple banks, our realtor recommended we try Joe Wilbert. He was very kind and knowledgeable about anything and everything I asked. He went step by step with us through the process at ...
My wife and I purchased our first home this year. After speaking with multiple banks, our realtor recommended we try Joe Wilbert. He was very kind and knowledgeable about anything and everything I asked. He went step by step with us through the process at the beginning just so we knew what would be happening and helped us out a lot whenever we had questions. Over the 3-4 week process of closing on the house, whenever I had questions, I would text him and he’d immediately respond, either with the answer or give me a call to explain in detail. Could not be happier with Joe and would recommend him to anyone and everyone! He will make the home buying process very very simple.
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Jacob Kelley

1 year ago

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Javier Guerra
I had a fantastic experience with Joe. His thoroughness and clarity stood out, making the process seamless. Joe's professionalism truly sets him apart. Highly recommend!
I had a fantastic experience with Joe. His thoroughness and clarity stood out, making the process seamless. Joe's professionalism truly sets him apart. Highly recommend!

Javier Guerra

1 year ago

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