Guardian

Correspondent Lending

Searching for a reputable Correspondent Lender means finding one you trust.

Guiding Principles.

At Guardian Mortgage Company, we believe that theres a lot more to business than the money you can make today. We believe in treating people right. The way we would want to be treated. We believe that the best business relationships are mutually beneficial. We believe this builds trust, which in turn leads to lasting relationships. Guardian Mortgage has been in business since 1965. We have almost $2.5 billion in our servicing portfolio, which translates to more than 17,000 current satisfied customers. We have always followed a conservative approach and maintained the highest standards to keep our company strong. That makes us better able to serve you today and for years to come. Guardian Mortgage Company, Inc. Serving generations since 1965.

Good Business.
For your institution, and for your customers.

We provide you a golden opportunity by giving your customers great servicing.

If you want to assure that your mortgage customers receive caring, personalized and professional servicing, youll appreciate the way Guardian Mortgage does business. At Guardian, our goal is to help you see that your borrowers have a positive experience in every aspect of their mortgage financing. We are one of the few lenders in the country specializing in the origination and servicing of residential mortgages. Guardian lends to the book, which means there are fewer overlays that can drive up costs for the end borrower. As a result, you can confidently offer your customers low rates and excellent servicing for the duration of their mortgages. We believe these practices are good business for everyone.

Guardian gives you direct access to someone who can make decisions. Its a real commonsense approach. Rolanda Legg, Owner Mortgage Services Suite

Theyre a refreshing change from other vendors. Ive been pleased with their response time and with the competitiveness of the rates. Tonya Dorman, Vice President/Mortgage Services Jacksboro National Bank

Gold Standard.
A proven process that works for the best.

We understand and share your desire to care for your customers.

In everything that we do, we strive for excellence and exemplary service. This includes our correspondent eligibility requirements and approval process. To maintain our high standards, Guardian Mortgage Company will only partner with companies that we are familiar with and/or have been referred to us by another industry partner. These companies must demonstrate the same high level of quality that Guardian has demonstrated throughout its history. They will be the best lenders in their respective markets and will view Guardians service offering as one that fits well with their own philosophy of doing what is right and delivering a high level of customer satisfaction.

The approval process is great, and their turn times are phenomenal just days, sometimes hours. Shayna Reeves, Head Processor Bowie Bank

Ive worked with a lot of lenders. Guardian makes it a quick, smooth process, with a minimum of paperwork. Tammy Bray, Vice President Schwertner State Bank

If excellence is your goal, Guardian will give you the kind of service you want to give to your customers. Gwen Fullbrook, Owner MainStreets of Texas Mortgage

The Process
The correspondent will: Complete the lenders application > Key qualifications: Minimum net worth of $1 million Experienced mortgage staff (Exceptions may be made for smaller community banks who may outsource processing and closing to an approved third party.) No third-party originations > Sign the correspondent agreement > Provide resums of key employees Guardian Mortgage Company will: > Analyze the risk of doing business with the correspondent (The approval process is done by a staff that is not compensated based on production.) > Review financials by senior accounting staff or underwriter > Check agency approvals with FHA/VA, FNMA, FHLMC > Conduct reference checks with investors, MI companies, and other industryrelated firms Sample reference questions: Is the correspondent currently approved to conduct business with your company? How long have they been approved? Please rate their quality of business. Please rate their responsiveness to requests for conditions and resolutions. Do you recommend the correspondent?

> Conduct an on-site review of the correspondents operation Guardian will also be ascertaining: The correspondent level of automation Completeness and compliance with written procedures through review of the mortgage file The correspondents compliance with regard to loan officer compensation requirements and the new HVCC standards Guardian will review the correspondent on an annual basis or more frequently if necessary.

Searching for the right lender means finding one you trust.
Guardian Mortgage Company, Inc. Serving generations since 1965.

Correspondent Lending Division 2701 N. Dallas Parkway, Suite 280 Plano, TX 75093 (972) 248-4663 (972) 248-2112 Fax e-mail: plano@gmc-inc.com Office hours: 8:00 AM - 4:30 PM CST

Servicing Center 100 N. Central Expressway, Suite 190 Richardson, TX 75080 (972) 690-0923 (972) 690-4356 Fax e-mail: richardson@gmc-inc.com Office hours: 8:00 AM - 4:30 PM CST