Life company lender program — full lender table
Guardian Life Commercial Real Estate Loans
Guardian Life originates fixed-rate commercial real estate debt from its general account, with an active origination team focused on the Western United States. For California sponsors with stabilized assets, Guardian is a genuinely competitive direct desk that most borrowers never hear about — it does not advertise its lending program, and CLS places loans with the desk directly.
Channel: Direct desk — open-market submissions via CLS
Program parameters
| Loan size | Not published; deal-by-deal |
| Terms | Fixed-rate core |
| Leverage | Deal-by-deal |
| Programs | Real estate debt investments; core fixed |
| Property types | Stabilized income property |
| Geography | Western US focus |
Why borrowers pick Guardian Life through CLS
Western US origination focus
A desk that knows California and West Coast assets natively.
Under-the-radar competition
Most borrowers never hear of Guardian — fewer bidders means a real shot at best execution.
General account certainty
Balance-sheet lending with no syndication risk.
How placement works
CLS underwrites the opportunity, matches it to the desks currently competing — Guardian Life included — and builds a comparable field of proposals across rate, proceeds, recourse, prepayment, and closing certainty. You see every live option, not just the first term sheet.
Ready to test the market? Submit your transaction or review the full life company lender table.
Guardian Life lending, clarified.
Does Guardian lend through brokers?
Yes. Guardian Life — Real Estate Debt works with commercial mortgage brokers. CLS CRE places loans with Guardian through direct open-market submission and an active relationship in our lender database. The desk evaluates the asset, sponsorship, and market, then quotes structure and spread.
What loan sizes does Guardian offer?
Not published. Spreads are set deal-by-deal over Treasury yields; the ranges shown reflect recently executed transactions and current desk guidance.
How do I qualify for a Guardian commercial mortgage?
Stabilized, documented NOI; institutional-quality asset in a proven market; conservative leverage with 1.25x+ DSCR; and a sponsor group with net worth and liquidity. Submit through CLS CRE and we underwrite the deal against the desk's current appetite before it goes anywhere.
How fast can a Guardian loan close?
Typically 45 to 75 days from executed term sheet on correspondent and direct executions, depending on third-party report turnaround and title. CLS manages appraisal, environmental, and property condition through Symetra-style approved vendor lists.
Other life company lender programs
Symetra
MetLife
Principal Life
Manulife (John Hancock)
Protective LifeGet a Guardian Life quote.
Share the property and financing request. We will respond within 24 hours with an initial view.
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