Your Trusted Mortgage Specialist

GuardHill offers the best rates of a wholesale lender combined with the high-touch service of a private banker. We'll make sure your mortgage matches your unique financial needs.

Our core values



Customer service

See why our customers trust GuardHill!

I HIGHLY recommend

“It was a pleasure to work with Maryla on obtaining a mortgage for our new home. She was accommodating and made the process go as smoothly as possible. She kept us on track and was always easily accessible by email or phone. I HIGHLY recommend working with her.”

- Anonymous 9/2/21

Smooth process

“Jimmy has extensive knowledge of the loan process and explained everything that was needed to prepare for the loan. He was very responsive whenever I had a question. Once the offer on our home was accepted, our loan process was very smooth because Jimmy had already opened a file for us with our paperwork. He called me when the rates started to go up and gave me advice about locking the rate. The closing needed to be pushed back, but Jimmy was able to extend the closing date without me being fined. I will work with Jimmy and GuardHill again next time I need mortgage financing!”

- Anonymous 8/26/21

Closed at a great rate

“Steven went above and beyond to help me obtain my mortgage. I was able to close at a great rate due to his persistence and patience. I have obtained many mortgages, and he and GuardHill truly stand out with their exceptional service!”

- Anonymous 8/18/21

Honestly awesome

“Honestly awesome. Working with Richard and GuardHill was such a pleasure! I’ve never worked with someone who is this patient. He made me feel protected, gave me all the best information, and truly made me feel like a friend. He’s honest and gives excellent advice at the right time. I would highly recommend anyone looking for loan advice give him a call.”

- Anonymous 8/5/21

FAR above the competition

“My review is for D’Laine. As a 1st time homebuyer, I must’ve called over a dozen lenders – most courteous, some aggressive, some even hostile. D’Laine and GuardHill specifically managed to stand out FAR above the competition. There are a lot of 5-star reviews on here – know they’re real!”

- Anonymous 7/22/21

Utterly amazing!

“Their service was truly excellent! Natasha and David guided me through the entire process with ease. Their communication was always fast and efficient. They extended my rate lock by almost two months at no extra cost to me. That was utterly amazing! David also helped me navigate a tricky credit score issue related to a name change that arose at the beginning of the process with one of the credit bureaus. Overall I am delighted with the services I received at GuardHill Financial, and I highly recommend them.”

- Anonymous 7/15/21

Closed with a 5-day notice!

“A real estate friend highly recommended Jimmy. He is super responsive and informative anytime I had questions. Jimmy and his team helped us close on a home recently and they worked a miracle and got us to closing with a 5-day notice only! If you’re looking for a fast close, reach out to Jimmy and GuardHill.”

- S.Z. 7/8/21

A pleasure working together

“SO appreciate the work that you [Valerie] and the team have put into this deal! It has been such a pleasure working together, and I am glad our paths crossed.”

- D.B. 6/24/21

A smooth process

“Jimmy makes this the easiest part of buying a home! Such a smooth process and I highly recommend him. He kept me updated along the way and was available for any questions via phone or email.”

- B. 6/17/21

The best possible rate!

“D’Laine was excellent to work with on the purchase of our first home. As a new buyer, I had many questions throughout the process, and D’Laine had expert answers for every question I asked. She is highly knowledgeable, reliable, and on top of every stage in the home buying process. She helped me and my husband get the best possible rate for our loan. I would 100% work with her again. Thank you, D’Laine!”

- H. 6/10/21

Closed on time with a great rate

“Chris, Amber, and Joy were a delight to work with and made the process as painless as possible. Loan closed on time with a great rate – all you can ask for!”

- J.D. 6/4/21

Experience was fantastic

“I just wanted to thank you for everything. Our experience with GuardHill was fantastic. Your teams are excellent, knowledgeable, and experienced at what they do – this is evident in the services you provide.”

- N.O. 5/28/21

Trustworthy & knowledgeable

“If you’re looking for someone trustworthy, knowledgeable, and with the patience of a saint…look no further. Especially for first-time buyers, he helped us every step of the way, no matter how often I asked the same questions. Thanks again, Jimmy, for taking such good care of us and treating us like family from day one!!”

- Anonymous 5/20/21

In the right hands

“Working with Jimmy on our refinance felt like taking private lessons from Tiger, a once-in-a-lifetime opportunity that you knew you were in the right hands…Open, honest communication, and there was not a single phone call that went unanswered. Jimmy is a shining star and an example of a true professional who takes immense pride in his work.”

- Anonymous 5/13/21

Recommend without reservation!

“We were referred to D’Laine Mindreau after we had trouble getting a home loan from two major banks for reasons we could not figure out. She worked very hard on our behalf to secure a good loan for us. Whenever we had a question, she responded quickly and took time to make sure we fully understood her answer. We even had a question after we closed on the loan and called us back right away. We recommend her without reservation!”

- Anonymous 5/6/21

True professional!

“Cindy was a true professional every step of the way. This was my 2nd refinance with Cindy. She is patient, knowledgeable, efficient, and a pleasure to do business with! She calmed my concerns and walked me through every step with kindness and humor! Her prompt response to my emails and calls was refreshing and gave me the confidence that she would make this happen for me even though it was challenging. I would highly recommend Cindy and GuardHill.”

- L.F. 4/21/21

Best mortgage lender in New York

“In an environment beyond crazy after the COVID-19 crisis, Jimmy was the most responsive service provider I’ve ever dealt with in the business. He is personable, kind, and easygoing. I cannot think of any time he did not answer my phone calls or texts within ten minutes. For purchasing a home that was of a modest purchase price, I felt as if I was buying a multi-million dollar home with Jimmy. In the process, he also became a friend. I cannot recommend Jimmy enough. He is one in a million.”
- Anonymous 4/13/21

The best!

“We have worked with Jimmy for more than 5 years now, from selling an apartment to buying a house. Jimmy is excellent and professional. He will make sure the process is straightforward and that everything is done correctly to protect the buyer’s interest.”

- R.A. 3/19/21

Thank you!

“Thank you [Wendy and GuardHill] for getting my refinance closed. I have been working on getting financing on this for a long time, and it was a challenging project. I will recommend Wendy and GuardHill to our building management, neighbors, and friends!”

- J.L. 3/18/21


“I can’t thank Jimmy enough for his expertise, professionalism, thoroughness, and kindness throughout my loan process. He responded to each of my inquiries within minutes and made everything clear and easy to understand by explaining the “bottom line.” Jimmy is exceptional.”

- P. 3/17/21

Great experience!

“My parents have worked with Michael for many years on several home purchases. Last year, Michael guided us through our first home purchase, educated us on the process, and reassured us throughout. We are grateful for Michael’s help in securing our loan and would strongly recommend him to others.”

- J.S. 3/16/21

Seamless & responsive

“This was my first time dealing with Jimmy after a friend referred him to me. Jimmy was more than willing to talk about several options and which one could be the best for me. His advice was on point. When I called him, he always picked up the phone the first time, and his team got us closed very quickly. His rates were also significantly better than what your typical big bank would be able to provide. I would recommend him to anyone looking for a mortgage or refi!”

- D.M. 3/12/21

Closed in 25 days!

“Thank you for all your hard work in completing our refinance. I would never have thought it was possible JUST 25 DAYS after my initial email to Valerie. We appreciate all of your efforts!”

- D. & J. 3/10/21

Empathetic & efficient

“Richard took the time to understand our family’s needs, created the appropriate structure, and facilitated a complicated transaction. We can’t recommend him and GuardHill enough!”

- R. 3/9/21

Highly recommend

“I have worked with Maryla, Vice President at GuardHill Financial Corp., on several occasions, and I highly recommend her and the GuardHill team. They are professional and thorough from beginning to end! Maryla makes the entire process super easy and stress-free!”

- A.S. 2/26/21

Excellent & attentive!

“I had a great experience working with Jimmy and the GuardHill team! They were professional, honest, and responsive. This was the 2nd lender we had worked with, and there was no comparison. I would use them again when the time comes and highly recommend others to do the same. Thank you, guys, for all of your hard work in getting us our dream home!”

- M. 2/25/21

An absolute dream

“Maryla was an absolute dream to work with. We had a million questions that she not only answered but explained in terms we could understand. And then explained it all over when we were confused! The whole process was so smooth–she was always available and highly responsive.”

- L.K. 2/25/21

Great rate - Great service

“I had a somewhat challenging situation as I was looking for a mortgage on my second home, and as a co-owner of my company, I am categorized as self-employed. Stephen and Chelsea guided me through the process and were extremely accessible throughout the process. I got a great rate and they made the process quite manageable. I highly recommend them!”

- S.K. 2/23/21

A great experience

“We had a great experience with GuardHill and have already recommended you guys to some friends who are interested in buying their first home! I really appreciated how you answered my zillion questions with such patience and understanding. It meant a lot to me both as a first-time home buyer and as a new mom with a talkative baby in the background. Thanks for everything!”

- M. 2/19/21

Our top choice

“GuardHill became our top choice after receiving four different quotes. Lowest rate with no points Lowest closing costs Simple online submission with GuardHill app Timely closing Easily the best customer service, Joy and Amber, Madeline. Bottom Line: Get your three quotes, but make sure GuardHill is one of them!”

- J.T. 2/19/21

Extremely pleasant and helpful

“I used D’Laine for my first mortgage and now decided to refinance. She has made the process so much easier and pleasant than I thought it would be. She was always on top of everything and everyone who needed to get their part completed in order for me to get my refinance completed in time. Would highly recommend and use her for future home purchases! Thank you!”


The best experience by far

“I have obtained a half dozen purchase and refinance mortgages. D’Laine and the people at GuardHill gave me the best experience by far. D’Laine worked exceptionally hard meeting my very aggressive timeline, reducing costs and answering many detailed questions. She and the GuardHill team were a pleasure to work with and accommodated my schedule.”

- R.S. 1/25/21

Smoothest process

“Excited that you managed to lower the rate at the last minute! We have gone through some nightmare closings before when we lived out-of-state, and were very pleasantly surprised with how smooth this process was. It was actually probably the smoothest experience we’ve ever had. We really appreciated how responsive and organized you were. I just wanted to express my gratitude.”

- C. 1/22/21

They work miracles

“Due to my modest credit score and very high LTV, I could not refinance [with other lenders]. However, the day before Christmas, I was able to close [with GuardHill] on a single mortgage and pay off my two outstanding mortgages. Thank you so much for all your help – I cannot believe I made it across the finish line. If you ever need a lender who can help you out with your clients – I highly recommend David and GuardHill. They work miracles.”

- B. 1/20/21

Clear, honest, patient

“Keith was clear, honest, patient and was available to answer all my questions. He did a good job working with my refinance so I would feel satisfied with my mortgage. I would recommend him!”

- N. 10/13/20

Knowledge and experience

“Michael has helped me through five different closings over the past fifteen years. Two of those had complications and one in particular would likely have fallen through were it not for Michael’s help. He did not hesitate to do the extra work it took to make it happen. His knowledge and experience are impressive. He and his team are exemplary in their professionalism and they consistently deliver a first-class experience from start to finish. And he is a genuinely nice guy to boot. I can’t speak highly enough about him and his team, and I am happy to enthusiastically recommend him.”

- J.W. 10/13/20

Locked down a great rate

“D’Laine is amazing at what she does. Incredibly responsive, communicative, and clear. She helped me lock down a great rate and secure a mortgage in record time. Highly recommend!”

- R.C. 9/14/20

Fought to lower our rate

“D’Laine helped us refinance our apartment she was extremely client friendly and an utmost professional. this was the second loan she worked with us on and she actually fought to lower our rate post market changes! I would recommend D’Laine to anyone or family and know they are in excellent hands.”

- R.V.F 9/11/20

Closed quickly and efficiently

“Worked with Keith and his colleague Betsy on TWO transactions back to back. One was a refi and one was a purchase. Both transactions closed quickly and efficiently. Both Keith and Betsy flexible, responsive, and overall a delight to deal with. HIGHLY recommend to anyone looking for assurance they will close on time and without surprises.”

- S. 9/10/20

Easy as pie

“Everything went smooth even in the midst of the pandemic. The whole team did a phenomenal job. They are professional, highly responsive and work fast. I didn’t think the refinance process can be this simple.”

- L.L. 9/1/20

Next thing you know, we’re closed

“This process could not have been easier. Spoke to Kevin, told him what we were looking for. Uploaded some documents, and next thing you know, we’re closed. No drama. Just a good, solid experience at the rate and cost we were promised, which was better than anyone else’s.”

- D.M. 8/20/20

Could not have asked for more

“I am very grateful for, and highly recommend, the mortgage services of GuardHill Financial. Steven was professional, well-informed, and a great communicator. He dealt expertly and efficiently with both routine matters and unexpected developments. I could not have asked for more!”

- L. 8/14/20

Really fast - during covid

“I’m a first time home owner and I purchased my house in 2013. I’ve always been nervous to refinance and mess around with my mortgage, but working with Jimmy and Betsy from GuardHill really made me comfortable. They answered every question I had through the whole process and didn’t make me feel like I was burdening them. The process was smooth and took probably 2 months, in my opinion that’s really fast (and this was during covid). If I ever need help again I’ll definitely give Jimmy a call.”

- J. 8/10/20

More options than a retail bank

GuardHill’s unique product range allows us to structure standard to complex solutions with competitive rates for our customers. As mortgage experts, we understand that one size does not fit all. That’s why we offer loan programs ranging from condo & co-op loans, jumbo loans, non-QM loans, Foreign National loans, and more.