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The mortgage rate isn’t the only factor when it comes to the cost of your home loan. Be sure to look at each lender’s fees and closing costs to fully assess the cost of the loan. When you apply for a loan, your lender will give you a form called a Loan Estimate that makes it easier to compare the total cost of the loan, including fees.

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"From the day I applied for my mortgage to the day I signed my home loan documents, Guardian Mortgage made each step of the way so easy and comfortable for me. This being my first home loan, the entire staff was amazing and prompt about answering all of my questions and keeping me up to date for each process that was being taken."

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