Whether you’re looking for great people from your support team or an outstanding corporate culture, Guardian Mortgage is right for you!
WELCOME
GUARDIAN MORTGAGE!
We are proud to have a culture of collaboration built around support, technology, and a relationship-first philosophy. Our unique mortgage programs and products separate us from other mortgage lenders and allow you to find the best solutions for your clients. When you join Guardian Mortgage, you join Sunflower Bank. As a part of the Sunflower team, you gain the benefits of an established $7.7 billion bank, paired with our culture of a boutique mortgage lender. Today, we lend in 44 states and have helped over a million homeowners realize their dreams of homeownership. So, no matter where life takes your customer or what real estate dreams they may have, chances are you can take care of their mortgage needs.
We put our clients first to ensure their needs are met. Staying true to our community bank roots, we care about the people we interact with and the family-like relationships we form. Our philosophy is simple: we believe in creating possibility in the lives we touch and the communities we serve.
MILLIONS
$8 BILLION IN BANK ASSETS*
ABOUT US: WHY GUARDIAN MORTGAGE: 1965 44 STATES
OUR VALUES
Guardian Mortgage has a culture of collaboration and is built around support, technology and a relationship-first philosophy.
OUR MISSION
• Bringing out the best in the lives we touch … Creating Possibility
• Partnering with our customers to provide the right solutions to help them reach their greatest ambitions
OUR FOCUS
• Work together as a team to be our clients’ most important mortgage provider
• Make this the best place our colleagues have worked
OUR CORE BELIEFS
• Community banking is built on relationships
• Collaborate internally, compete externally
OUR CUSTOMER PROMISE
• Find the best solutions for our clients' financial health
• Maintain a broad array of products and services
• Work hand-in-hand with our clients
OUR FOUNDATION
• Individual and collective accountability
• Customer experience stays front & center
• Continuous improvement
• Collaboration to optimize decision-making
WE ARE BUILT ON
• History of financial strength
• Quick decision-making
• Shared resources for quick resolutions
• Commitment to community banking
THE GUARDIAN ADVANTAGE
VALUE PROPOSITION
MLO Licensing Not Required
ORIGINATION:
Agency Direct Seller/Servicer with Few Overlays
Utilizes FNMA's Day 1 Certainty Technology
Strong Technology Platform Including Online Application Process & Hybrid eClosings
Not Subject to Warehouse Line LImitations
Multi-State Lending
In-House Long-Term Rate Locks
In-House No MI Loan Programs
Full Array of Loan Programs Up to $3.5MM
In-House Comprehensive Portfolio Loan Programs
In-House Builder Incentive Programs
In-House Non-Warrantable Condo Products
In-House Fixed Rate Seconds Program
Full Array of Renovation Lending Programs
In-House One-Time Close Loan Program
In-House CRA Loan Programs
In-House Dedicated Marketing Team
< 30 Day Origination to Closing Turn Time
In-House Underwriting
Scenario Desk Managed to Aggressive SLAs
In-House Condo Approvals
CD's Out Well in Advance of Closing
Ability to Accept Credit Cards for Appraisals
Approved Appraiser Roster and AMCs
OPERATIONS:
SERVICING:
In-House Servicing Department
Refers Prior Customers Back to MLOs
MLO's Contact Info on Monthly Statement
Borrower's Ability to Recast Their Loan Portfolio Defense Program
“We have the platform and the culture to help everyone take their career to the next level"
-Josh Martin, Director of Mortgage Loan Sales
BENEFITS BUILT FOR YOU
At Guardian Mortgage, we are committed to helping our associates succeed and thrive. Not only do we focus on their career growth and development, we also offer a rewarding benefits package aimed at helping them achieve their desired personal and financial goals.
COMPETITIVE BENEFITS PACKAGE:
MEDICAL, DENTAL & VISION PERSONAL DEVELOPMENT
Full complement of insurance programs from Blue Cross Blue Shield, Delta Dental of Kansas, and Ameritas Vision with two networks to choose from VSP and Eyemed
FLEXIBLE SPENDING ACCOUNTS
Set aside pre-tax dollars to cover eligible health and dependent care expenses
401(K) PLAN
100% match of the first 6% contributed after 3 months of service and fully vested day 1
LIFE & DISABILITY INSURANCE
Peace of mind and security for you and your family
COMPUTER PURCHASE PROGRAM
Purchase personal technology equipment through our partnership with Dell and spread payments over time
Tuition Reimbursement - Sunflower Bank will pay for 50% of expenses up to $3,000 per year for successfully completed pre-approved classes. Sunflower bank will pay 100% of expenses up to $2,500 for continuing education to keep a certification or to obtain a certification.
Fitness Reimbursment - Up to $240 per year
Employee Improvement – advance your knowledge by attending supervisor approved seminars, conferences, and civic organizations
Employee Assistance Program – confidential, short term counseling for concerns at work or home through an independent third party free for employees, spouses, children and parents of employees
VOLUNTEER LEAVE
Invest in your community or your family, up to 6 hours per quarter
PAID TIME OFF
Take advantage of a Personalized Paid Time Off program for any personal reason
11 Bank Holidays will be observed
Sunflower Bank, N.A. is fully committed to Equal Employment Opportunity and to attracting, retaining, developing and promoting the most qualified employees without regard to their race, gender, color, religion, sexual orientation, veteran status, or any other characteristic prohibited by federal, state or local law.
Further, it is our policy to take armative action to recruit minority and female employees for any position for which the employee or applicant for employment is qualified. Sunflower Bank, N.A. provides reasonable accommodation for qualified individuals with disabilities and disabled veterans in the job application process. If you have any diculty using our online system and you need an accommodation due to a disability, you may contact the Human Resources Department about your interest in employment. Any questions or concerns about this statement can be directed to the Human Resources Department at 888.827.5564.
CONVENTIONAL GOVERNMENT
FANNIE MAE®
Primary, Secondary & Investment Properties
Delayed Financing
DU Refi Plus
High Balance
Home Ready®
HomeStyle® Renovation
Manufactured Homes
Multiple Financed Properties
Non-Traditional Credit Program
Student Loan Cash Out Refinance
FREDDIE MAC®
Primary, Secondary & Investment Property
Home Mortgage
Home-Possible Mortgage - (Prim. Only)
Non-Traditional Credit Program
Relocation Mortgage Options
Super Conforming Loan Amounts
FHA
Fixed Rate Options
Manual Underwriting Available
Purchase, Cash-Out Refi and High Balance Loan Amount Options
HUD REO $100 Down Payment
203(K) Full and Limited
Manufactured Homes
Energy Efficient Mortgages
VA
Fixed Rate Options
100% Financing for Purchase Transactions
Interest Rate Reduction Refinance
High Balance Loan Amounts up to $1.5 Million
Energy Efficient Mortgages
INCENTIVE PROGRAMS
Builder Incentive Program
Listing Incentive Program
HEROES Incentive Program
Origination Fee Reduction Program
Deposit Rate Reduction Program
PORTFOLIO PRODUCTS
Conforming CRA
Conforming ARM*
Relationship Lending Program
Second Lien (95% CLTV)
Jumbo Standard
Jumbo Interest-Only
Construction One-Time Close
Construction Two-Time Close
Jumbo 15/6 ARM*
NON-CONFORMING
Six Delegated Investors
Three Non-Delegated Investors
ARM* Options and Fixed Rate
DTI Up to 43%
First Time Homebuyer Options
Hobby Farms
Non-Warrantable Condos
Jumbo Construction Program
CONSTRUCTION & RENO.
Builder Incentive
One-Time and Two- Time Close
Homestyle® Renovation
203(K) Full and Limited
HUD REO with Repair Escrow
Buyer/Seller Funded Repair Escrow
USDA Repair Escrow
Weather Realted Escrow
BONDS/DPA/MCC
We offer a mixture of bond, DPA and MCC programs available by local, state, county and city agencies.
LOCKING OPTIONS
Builder Select w/ Float Down Options
Lock & Shop
3/2/1, 2/1, 1/1 Buydown Options
If bond market is deteriorating, we give MLOs 30 minute advance notice to lock customers.
MLOs can lock through the weekend up until Sunday night
WHERE WE LEND
With Guardian Mortgage, you can work with homebuyers throughout most of the country.
You’ll benefit from an expansive lending map, and our extensive portfolio lending programs.
So, no matter if your customer moves or decides to buy an investment property in another state, chances are you can take care of their home mortgage needs.
WE ORIGINATE IN 44 STATES
ONBOARDING SERVICES
We offer a proven multi-day training program to get you up and running as quickly as possible, contributing to your success and reducing downtime as a result of your transition.
What you can expect:
You will be surrounded by a team of people to get you up and running
Training for a thorough understanding and integration into our processes, and systems for maximum, effective utilization and confidence
Collaboration with support staff to build relationships and teamwork
Ongoing access to training materials available for your follow-up
YOUR DEDICATED CONCIERGE WILL WALK YOU THROUGH ALL THE STEPS TO SUCCESS
IGNITE
• HR and IT Setup
• The Guardian Mortgage Loan Process
• Appraisal, Disclosure and Compliance Alignment
IMMERSE
• LOS Training Session with Live Personal Cases
• Loan Production Review, with Specialty & Portfolio
• Marketing Support and Resources
EMPOWER
• IT Orientation (group and 1:1)
• Intranet Overview
• Software Orientation for LOS & Origination Tools
ENGAGE
• Mortgage CRM Training Session
• Deep Dive with Mortgage Operation Leaders
MARKETING SUPPORT
We know a comprehensive approach is important to your success. Guardian Mortgage is here to support your transition and your growth for many years to come. Our Marketing Department is made up of creative and strategic individuals that are here to help elevate your marketing efforts. Marketing coordinates and produces compliance approved materials with a consistent brand identity, voice and style.
What you can expect:
• Personalized Guardian Mortgage web page
• Centralized content creation
• Creation of approved social media content for posting
• Access to print materials with a self-service model
• E-mail marketing platform with many engaging email options
• Dedicated mortgage collateral and signage in Sunflower Bank branch locations
• Experience management platform for customer reviews
• Birthday postcard mailing to all Guardian closed loans for the life of the loan
• All materials are reviewed and approved by our in-house Compliance Department
CRM HIGHLIGHTS
A CRM BUILT BY LOAN ORIGINATORS — FOR LOAN ORIGINATORS
XtremeMortgageWorX is the leading provider of cloud-based automation marketing and sales software, designed for the mortgage lending and banking industry. XtremeMortgageWorX gives our Loan Originators a competitive edge by driving successful internal processes, strengthening accountability, and automating critical customer communications and sales procedures, to improve productivity and conversion rates. Beyond any CRM system, XtremeMortgageWorX is an end-to-end, automated mortgage business platform, centered on the needs and activities of Loan Originators. It saves you time, simplifies your life, and puts the resources you need literally at your fingertips. A game-changer!
•
PREFERENCES LOAN DETAILS
Each LO selects which communication(s) go out.
Lead and prospect email campaigns with call reminders. Task reminders are triggered by dates under “Send On”.
Options to choose email, SMS or both.
Birthday emails sent in the morning.
Borrower and co-borrower birthday reminder email to buyer agent sent in the evening.
Borrower congratulation email sent after closing.
The post-closing email also asks for referrals.
Closing disclosure tax reminder email sent to ALL closed loan contacts (from previous year).
CONTACT RECORDS
• Information entered into your LOS is automatically brought into the contact record. Personal information (i.e., interests, # of years married, etc.) is entered manually.
The contact’s mailing address will automatically change in the contact record after funding, if it’s a primary residence.
Whether it’s a borrower, buyer agent, or seller agent, all loans associated with the contact are readily accessible within the contact record.
Additional details associated with the contact are readily accessible within the contact record.
People referred to you from the contact.
People you have referred to the contact.
Track outbound emails — sent and opened.
Send SMS text messages.
EMAIL MARKETING
Simple One-Time Setup: Turn on marketing emails by simply checking the box under the emails you want to send for each contact status. You will never need to go through this process again, even when you add new contacts to your database.
Loan detail sections are automatically laid out in the same chronological order as a loan in process.
If the loan party doesn’t exist, one will be created, & the loan record attached to the contact and any future loans.
When a date is automatically populated from the LOS into a loan detail field, tasks, emails, SMS texts, or a combination of all, will occur.
Pop-ups when you have questions on particular fields.
DASHBOARDS
Executive to Loan Originator: Multiple dashboards equip each user with the tools and knowledge to make wellinformed decisions and take timely action. You will have visibility, based on your role, to 46 reports with charts and graphs in four different dashboards — measuring ROI performance on marketing, referring partners, loans, turn times, employees, and so much more.
INTRANET (GROUPS)
Companies using XtremeMortgageWorX have experienced a reduction in their internal email volume by as much as 57 percent. With XtremeMortgageWorX you can follow what’s important to you, whether it’s groups, people, documents, loans, etc. No more wading through your inbox or portal for a document or information. If anything you follow changes, you will be automatically notified.
DIRECT MAIL MARKETING
Turn on direct mail marketing by simply checking the box under the campaigns you want to send for each contact status. With direct mail marketing setup, you will never need to go through this process again, even when you add new contacts to your database.
Pre-Built Campaigns:
• Holidays
• Famous Quotes
• Recipes
• Bizarre Holidays
SIMPLENEXUS
SimpleNexus is a homeownership platform uniting the people, systems, and stages of the mortgage process into a seamless end-to-end solution.
IT’S MORTGAGE SOFTWARE & TECHNOLOGY FOR THE MODERN LENDER.
ENGAGEMENT TOOLS TO COLLABORATE WITH BORROWERS AND PARTNERS.
Personalized and shareable mobile app
Partner branding and links
Payment calculator
Fast pre- qualification
Integrated home search
Spanish loan inquiry
Ability to send a pre-qualification letter from your phone
Update loan approval letters from your phone
ACTIONABLE INSIGHTS TO PRIORITIZE ACTIVITIES AND WORK MORE EFFECTIVELY.
Pipeline and production tracking
Understand lead quality and referral sources
Performance metrics
ON-THE-GO ORIGINATION CONVENIENCE. ANYTIME. ANYWHERE
Optimized loan application
Real-time LOS integration
Fast pre-approvals
On-the-go credit reporting
Secure document scanning
Product and pricing integration
Automatic VOA and VOI/E
Payment requests and collection
Task alerts and status notifications
HYBRID CLOSINGS FOR FASTER E-CLOSINGS & STREAMLINED COLLABORATION WITH TITLE PARTNERS.
Flexible closing options in an increasingly digital world
Deliver loans faster and save time at closing
Enjoy ease of access with only one login
Automatic status update notifications
Provides transparency and guidance for closing
Shorten time it takes to close
Majority of the closing package documents can be e-signed
Closing portal that title partners love
Data accuracy and digital audit trail – less errors
Attract, retain, & delight clients with faster turn times
WHAT OUR ORIGINATORS SAY:
"I started working for Guardian Mortgage in May 1993 - fresh out of college. I've seen many changes throughout the years and it's amazing how this company continues to grow and improve year after year. I've never wanted to leave. When you find a place that feels like family, and work feels like fun, you don’t look anywhere else."
- MLO, Grand Blanc, MI
"As a top originator, my biggest fear when moving to another company was the stress and problems that come with transitioning a never-ending pipeline to a new place… especially when you have a lot of business coming in. In my mind, I thought that I would never be able to move because I was too busy. I can say that without a doubt the onboarding process and transition process at Guardian Mortgage was the smoothest that I have ever experienced in over 25 years in the mortgage industry. They understand what it takes to keep an originator’s business moving and have created a virtually stressless concierge service to ensure that my onboarding and transition were easy. Topnotch help and it has been the best move I’ve made in my career."
- MLO, Austin, TX
"Sunflower
Bank provide the perfect platform for originators to be as successful as they desire. I am fortunate to work for a company that focuses on providing the sales tools necessary to acheive our goals."
- MLO, Santa Fe, NM
15,000+ 4.93 5.00
“Absolutely wonderful service and great communication, very direct and professional! Found multiple credits and was able to get me a great deal as a first time home buyer!! Will never work with another agent! Definitely look forward to another purchase in the future.” - Scott
“Great efficiency, expertise of knowledge and hospitality in service ... all which exceed one’s expectations! Exceptional!” - Debra
“Highly professional, excellent and well organized service, courteous & responsive. Job well done ...” - Peter
PORTFOLIO PRODUCT GUIDE
OVERVIEW
We offer comprehensive loan programs to empower our loan originators to assist borrowers with their mortgage needs.
