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We offer many different types of loan programs to meet your needs.
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FIRST TIME HOME BUYER
It’s a good idea to get preapproved for a loan if you are seriously looking to buy a home. Once you’re pre-approved, you’ll have a commitment from a lender, so you can make an offer on a home with confidence. This also gives you leverage in today’s competitive multiple bid environment.
FHA LOANS
Refinancing is typically a straightforward process. Many people refinance to reduce their monthly payment or interest rates. Still others refinance to retire debt or obtain some of the equity from their home. If you refinance, your total finance charges may be higher over the life of the loan.
CONVENTIONAL LOAN
Conventional Conforming loan transactions are conventional mortgage loans which conform to Fannie Mae/Freddie Mac guidelines. With an Adjustable Rate Mortgage (ARM) Loan, your interest rate changes at specific period mentioned in your Mortgage Promissory Note.
VA LOANS
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FOREIGN NATIONAL LOANS
Conventional Conforming loan transactions are conventional mortgage loans which conform to Fannie Mae/Freddie Mac guidelines. With an Adjustable Rate Mortgage (ARM) Loan, your interest rate changes at specific period mentioned in your Mortgage Promissory Note.
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What's Our Clients are saying about us!
Fidel & Mari Zetino, Woodbridge, VA
“Chanu is truly the best in her profession! She has always provides exceptional service and is a pleasure to work with! She’s very informative, detailed, patient and provides you with her undivided attention. We HIGHLY recommend Chanu Badwal of Guardian Mortgage, Inc.”
Renee McIver, Lorton, VA
“Just when I thought I was never going to get the help I needed to get not only my house re-financed, but to clear up my title on my house……here comes Chanu! She was so diligent in working on my account. She never let me get discouraged about the whole process and what my outcome was going to be. I am very happy with my closing and results for all the services she has provided. I would highly recommend Chanu to family, friends, and even strangers who are in need of financial help keeping their homes.”
Sangie & Bill Corum, Lorton, VA
“Chanu Badwal is outstanding in her profession. She is very knowledgeable, professional and trustworthy. If she tells you something, believe me it will happen. My husband and I have tried to refinance before and have been let down a few times. Chanu said not to worry, just follow my direction and “I will make this happen”. She encourgaed us and even when we hit a few obstacles, Chanu took upon herself to resolve the obstacles when she did not have to. We trusted her and believed in her. I would recommend her to anyone. She is very kind, caring and works very hard for you. I consider Chanu a trust worthy friend. I am blessed she crossed my path in life. Thank you Chanu for all your hard work and dedication to us.”
Posted on Google 
Kamran Mortezaei Farid
Trustindex verifies that the original source of the review is Google. I had my first experience of buying a house with Ms. Chanu. While she knew the business very well, she also was reliable, experienced and precise. She tried to get the lowest rate possible. After the closing, I also enjoyed her thoughtful advices whenever I needed assistance. It was a very good experience and I highly recommend the business.
Posted on Google
HAPPY SINGH
Trustindex verifies that the original source of the review is Google. We are so thankful for Ms Chanu. She was always there for us with kindness, patience, and guidance. She truly cared about making the process smooth and stress-free, and we couldn’t have asked for a better realtor."
Posted on Google
Mona Said
Trustindex verifies that the original source of the review is Google. Ms. Chanu and her staff was an absolute pleasure to work with as a first time home buyer, I was under a lot of stress, but Ms. chanu and her team, made the entire process incredibly smooth and easy, Ms.chanu’s excellent communication and market knowledge helped me find my perfect home and navigate the closing process with confidence.even after I moved in to my new home, I still pick up the phone and call her asking her questions regarding insurance and other financial matters.I highly recommend Ms. chanu . Five stars ⭐️
Posted on Google
Cliffa Abdul
Trustindex verifies that the original source of the review is Google. Gurdian Mortgage Inc the best loan advisor. My loan went through smoothly on a timely manner . Chanu is always accessible when you need here. I highly recommend Gurdian mortgage for my friends and families.
Posted on Google
Gale Nash
Trustindex verifies that the original source of the review is Google. Chanu has helped us and our three children with a handful of mortgages. She has been a pleasure to work with. She is persistent and professional in navigating obstacles that arise in the mortgage process. We recommend her wholeheartedly to anyone needing the services of a mortgage broker.
Posted on Google
Nitcheu Blaise
Trustindex verifies that the original source of the review is Google. Very professional she took her time explaining the process and also very reliable.I learned a lot from her.!!!!will definitely recommend any home buyer to her….
Posted on Google
Aminata massaquoi
Trustindex verifies that the original source of the review is Google. My experience with Guardian Mortgage Inc. was excellent. The team guided me through every step of the process with patience and professionalism. They explained everything clearly, answered all of my questions, and made what I thought would be stressful feel smooth and manageable. I truly appreciate their dedication and would highly recommend Guardian Mortgage Inc. to anyone looking for reliable and supportive mortgage services.
Posted on Google
Paramjit Dhaliwal
Trustindex verifies that the original source of the review is Google. Channu Badwal was extremely helpful to help me to get my house. She helped me from the beginning until I got my keys. She told me that I can call anytime for any questions. She is very knowledgeable , courteous and extremely helpful. I will recommend to all my friends and family to use her as a mortgage lender.
Posted on Google
AMAZING CARE
Trustindex verifies that the original source of the review is Google. Ms. Chanu is a real blessing in this industry. She helped my husband and I secure a million dollars home in a lesser period than expected. She was very transparent, educative, trusworthy, and professional throughout the process. She made the process easy and less stressful. She and her team are worth recommending to any one looking to purchase either a Manson or any house of your choice. Excellent job!!! From Dr. Stella Epey.
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