Affordable Mortgage Loans for All

We Believe in Low-cost, Low-rate Mortgage Loans

Guardian Savings Bank is the superior choice for personal, low-cost, low-interest, high-quality mortgage origination and servicing. We have worked hard to become one of the top mortgage lenders in the communities we serve. In fact, we funded nearly $800 million in mortgage loans last year alone.

If you have additional questions, call us at 855-912-6625.

We’re known for our
low closing costs
As low as
$500*
purchase closing
Purchase Now
As low as
$250*
refinance closing
Refinance Now
Guardian Savings Bank is a leading residential mortgage lender in Cincinnati, Northern Kentucky and Lexington. Find out how we can help you with a mortgage loan!
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Today's Rates

Rates based on a $150,000 loan amount at 75% LTV See additional disclosures*. Other loan programs and options are available, contact us for details.

Get a Custom Rate
*See disclosures here
Loan Type
Rate
APR
Estimated Monthly Payment
30-year fixed
3.250%
3.282%
$652.81
20-year fixed
3.000%
3.045%
$831.90
15-year fixed
2.750%
2.808%
$1,017.93
Rates are subject to change. Last updated 8/4/2020 at 8:00 AM

Mortgage Calculator

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I have been banking with GSB for over 20 years, the tellers at the Bridgetown branch are super friendly and are always willing to go above and beyond for me and my business. They truly are extraordinary.

Marty Mercurio

We got our home loan through Guardian more than 30 years ago. It was one of the best decisions we’ve ever made. We like working with a local bank and people who knows our names. And we love the coffee bar in the Fort Wright branch!

Phil & Cindy Spadaro

My wife and I have been with Guardian forever. We know our money is safe and unlike some big banks, we’re not charged a lot of fees. We also love the personal attention and personal touch we receive at our branch, especially from our branch manager.

John Schraer

Property & Mortgage Types

We provide a wide variety of conventional conforming and non-conforming loans, along with FHA and VA loans.

We offer low costs and great mortgage rates for these types of loans:

  • Fixed Rate Loans
  • Adjustable Rate Mortgages
  • Balloon Loans
  • FHA Loans + VA Loans
  • Bond Money Loans
  • Interest Only Loans
  • Construction/Permanent Loans
  • Construction only loans (builders or owners)
  • Building Lot Loans
  • Blanket Loans
  • Jumbo Loans
  • Alternative Lending
  • Home Equity Lines of Credit/Second Mortgages
  • Single family dwellings (owner and non-owner occupied)
  • 2-4 family dwelling units (owner and non-owner occupied)
  • Multi-family dwelling units
  • Residential farm (home)
  • Building lots or site
  • Commercial real estate
  • Second home or vacation properties

Borrower's Assistance Program

Financial assistance may be available if you qualify. Click below to get your application.
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Protect Your Identity/Prevent Fraud

We make protecting your information a priority. Learn more about what you can do to protect yourself from identity fraud.
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Pay Mortgage Online

Pay your mortgage through our Payment Center.
Pay Your Mortgage

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