Guardian Capital Lenders is a mortgage brokerage firm established in 2019, currently licensed to originate loans in the state of Florida. GCL was founded by Maria R. Garcia (Managing Director) who’s been in the mortgage industry for nearly 20 years. Maria is a dedicated professional and highly qualified mortgage consultant. Having worked as a Sales Manager, Account Executive and Loan Originator, Maria has the previous experience necessary to manage and grow the business.
Guardian Capital Lenders provides customized mortgages for the purchase and refinance of residential and commercial properties . We offer personalized mortgage services such as FNMA/FHLMC, Non QM and Hard Money, 90% LTV with no mortgage insurance, 90% LTV down to a 580-credit score with loan term options of 15, 30 and 40 years (Adjustable and Fixed interest rates). Our Loan types include: FHA, Conventional, VA, High Balance, Jumbo, Reverse Mortgages, Residential Construction, Foreign National, Asset Depletion, Stated Income, No Income, Rehab, USDA, Hard Money loans and Commercial.
Guardian Capital Lenders understands the importance of building a solid business foundation that can meet the needs and field the challenges of a diverse world class business. We hold ourselves accountable to the highest service and ethical standards; by meeting our client’s unique needs with precision, compatibility, and professionalism. We cultivate a working environment that’s focused on a client centric approach, the client comes first. To leverage all of our skills, talents, resources, and experiences in creating a positive working environment that benefits all of our domestic and international clients.
Changes to the Property Value could change the results in a significant way. Lendersa® sliders allow you to make fast changes to explore your financing options.
You can change the property value by moving the Property Value slider up or down or by entering a new Property Value manually in the Property Value box.
When you change the Property Value, only the LTV will change, and the Loan Amount will remain the same Loan Amount.
Other advanced sliders’ options are available with Lendersa® Advanced Calculator
CloseChanges to the loan amount, even so slightly, could change the results in a significant way. Lendersa® sliders allow you to make fast changes to explore your financing options.
The Loan Amount Slider
Change the Loan Amount by moving the Loan Amount slider. (The LTV will change, and the Property Value will remain unchanged).
The LTV Slider
Change the Loan Amount by moving the LTV slider. (The Property Value will remain unchanged).
Other advanced options are available with Lendersa® Advanced Calculator
CloseLTV is the abbreviation of Loan To Value, and it is the ratio between the Loan Amount and the Property Value. The formula to calculate LTV is Loan Amount divided by the property value. 
Example: Loan Amount $300,000, Property value $400,000 
Changes to the LTV, even so slightly, could change the results in a significant way. Lendersa® sliders allow you to make fast changes to explore your financing options.
The Loan Amount Slider
Change the Loan Amount by moving the Loan Amount slider. (The LTV will change, and the Property Value will remain unchanged).
The LTV Slider
Change the Loan Amount by moving the LTV slider. (The Property Value will remain unchanged).
Other advanced options are available with Lendersa® Advanced Calculator
Close
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NMLS 1795154