 Ramsey, why refi is not licensed by the California Department of Financial Protection and Innovation. Why refi is not authorized by the New York State Department of Financial Services to service any New York loans. Funding may not be available in all states. At Guardian Credit Union, we believe that banking should be personal, just like the relationships we build with members. Imagine a place where you're not just a credit score, but a valued part of our community. At Guardian, our dedicated team takes the time to listen, understand, and tailor financial solutions that fit your unique needs.