Mortgage Licensing Information
Guardian Finance, LLC Florida Mortgage Brokerage NMLS ID: 2131549
Danilo Phillips Principal Loan Officer NMLS 1213157
Understanding Guardian's Role as a Mortgage Broker
Guardian Finance, LLC operates as a mortgage broker.
Guardian is not the financial institution that ultimately funds most mortgage loans.
As a mortgage broker, our role may include helping clients:
- Understand available financing options
- Compare appropriate mortgage programs
- Prepare for the application and underwriting process
- Submit financing requests to participating wholesale lenders
- Navigate the mortgage process from initial conversation through closing
Final loan approval, program eligibility, interest rates, terms, and underwriting decisions are subject to applicable lender and program requirements.
Nothing presented on this website constitutes a commitment to lend, guarantee of financing, or guarantee of loan approval.
Mortgage Information & Advertising
Guardian is committed to presenting mortgage information clearly and responsibly.
Mortgage programs, interest rates, fees, terms, underwriting requirements, and availability may change.
A borrower's eligibility may depend upon factors including:
- Credit history
- Income
- Assets
- Employment
- Debt obligations
- Property characteristics
- Occupancy
- Loan-to-value
- Debt-to-income ratio
- Applicable lender guidelines
- Applicable loan-program requirements
Educational examples, calculators, estimated payments, and financing scenarios are provided for informational purposes unless specifically identified otherwise.
They should not be interpreted as a loan approval or commitment to lend.
Additional disclosures may accompany specific mortgage programs, rates, advertisements, calculators, or financing scenarios where required.
Danilo Javier Phillips, CPA
Tax, Business Advisory & Accounting Services Professional Guidance With Personal Accountability Guardian's tax, accounting, and business advisory services are provided under the professional responsibility of:
Florida Certified Public Accountant Florida CPA License No. AC56160 Status: Current, Active
The CPA credential belongs to the licensed professional providing the services.
Guardian Finance, LLC is not being represented as a Florida-licensed CPA firm.
CPA and Professional Services
What the CPA Designation Represents
Represents The Certified Public Accountant designation is a regulated professional credential.
It reflects professional education, examination, licensing, continuing education, ethical responsibility, and professional accountability.
Guardian's approach to tax, accounting, and advisory services is consistent with the principles that guide the broader organization:
Educate Before We Advise. Serve Before We Sell. Stewardship Over Sales.
The goal is not simply to complete a transaction or prepare a document.
It is to help individuals, families, businesses, churches, and organizations better understand the financial decisions before them and approach those decisions with greater clarity and confidence.
Scope of CPA, Tax & Accounting Services
Services provided by Danilo Javier Phillips, CPA may include:
- Individual and business tax preparation
- Tax planning
- Accounting and bookkeeping guidance
- Business advisory services
- Financial analysis
- Management advisory and consulting
- IRS-related tax guidance and representation, when applicable
- Financial education
The availability and scope of any professional service depend upon the specific circumstances of the client and the nature of the engagement.
Guardian does not presently use this website to offer audit, attest, or other assurance services requiring Guardian Finance, LLC to hold itself out as a licensed CPA firm.
Educational Information Is Not Individual Professional Advice
Information provided through Guardian's website, Guardian Learning Center, Stewardship Notes, articles, videos, workshops, calculators, guides, social media, and other educational resources is intended to provide general educational and informational guidance unless specifically provided as part of an individual professional engagement.
Tax laws, mortgage programs, regulations, financial circumstances, and professional standards can change.
No website article, video, calculator, workshop, or general communication should be considered a substitute for professional advice based upon an individual's particular circumstances.
Use of the Guardian website or submission of a general inquiry does not, by itself, create a CPA-client relationship, mortgage commitment, or other professional engagement.
Distinct Professional Roles One Guardian. Different Professional Responsibilities. Guardian brings several areas of financial stewardship together under one broader mission.
However, the professional roles involved are distinct.
Home Stewardship — Mortgage
Mortgage brokerage and mortgage loan origination services are provided through:
Guardian Finance, LLC NMLS 2131549
and
Danilo Phillips Mortgage Loan Originator NMLS 1213157
Tax Stewardship
Tax preparation, planning, and related professional services are provided under the professional responsibility of:
Danilo Javier Phillips, CPA Florida CPA License AC56160
Business Stewardship
Accounting, financial, and business advisory services are provided under the professional responsibility of:
Danilo Javier Phillips, CPA Florida CPA License AC56160
Fairness Is Part of Stewardship
Equal Housing Opportunity Fairness Is Part of Stewardship Guardian proudly supports Equal Housing
Opportunity.
We believe every qualified individual seeking home financing deserves to be treated fairly, respectfully, and consistently.
Guardian is committed to conducting its mortgage activities in accordance with applicable federal and state fair housing and fair lending laws.
Discrimination has no place in the home financing process.
Independent Verification
Mortgage
CPA