The Best Combination of Mortgage
Rates and Customer Service
Over 25 Years Of
Mortgage Experience
24 Hour Preliminary Approvals
In-House Underwriting
Smart Money Uses GuardHill
Common Sense Decision Making
& Fast Closings
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Why Choose GuardHill?

  • We provide the best combination of rates and service.
  • We have been in business for more than 25 years and originate over $1 billion annually which has resulted in thousands of satisfied clients. Click here to read what our clients have to say.
  • We are a local mortgage company that only specializes in mortgages.
  • We underwrite our loans in our NYC headquarters which means we can approve and close your loan faster than the competition.
  • We provide 24 hour written preliminary approvals issued by an underwriter.
  • We make quick and common sense decisions.
  • As a direct lender, we will find the perfect mortgage for you.


Get Started Today. It’s Easy

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Customer Service

Dedicated To Continuing A Unique Standard Of Excellence

Mortgage Products

Providing financing for virtually every scenario



  • Michael Riemer and his team were an absolute joy to work with. They provide an exceptional level of client services, and made the process very easy for me. I couldn't be happier with the outcome.

    Winifred R. Client
  • We had a great experience with June Richardson at GuardHill. We started the process with June to understand what we could afford, and she was our guide throughout. She was infinitely reachable and helpful. The whole GuardHill team was professional and responsive. I've already recommended them to friends.

    Corinne H. Client
  • The closing went smoothly today! Thank you, Michael, Talia, and Barbara for all your help along the way, we couldn’t have done it without you. It was a pleasure working with you and we are very appreciative! Thanks again and we will stay in touch!

    T & J Crawford Client
  • Happy Clients of Maryla Ciechanowicz I can’t tell you how happy we were working with her, she was on top of things from start to finish. She’s very good at her job and we enjoyed a stress-free closing because of her! Will definitely be recommending her brokerage services to everyone.  

    kathy P. Client
  • Professional, knowledgeable, responsive and easy to work with! Jimmy is probably one of the easiest person to work with and learn from when you're dealing with loans and mortgages. He's extremely knowledgeable and informative every time you have a question for him. Communication with him is seamless and he's very responsive and reliable. Based on your credit history and personal profile, he will go out of his way to try and get you the best rate possible. Out of the entire process of buying a home, working and dealing with Jimmy was probably the easiest part of the process, so I highly recommend using him for any future loan processes. Thanks again Jimmy for your help.

    KLN from Cranford, NJ Client
  • “For the last twenty or twenty-five years, I have been telling my clients that Michael Daversa was the ‘go to person’ if you are looking for a mortgage banker who will deliver what he promises, when promised and on the best terms available.  I did so because I was confident that as the attorney I would be able to meet deadlines and have a happy client at the closing. Plus, I knew that Michael would always keep me informed on the progress of the application process. He is one of the best!!”

    Kay Jex, Esq. Attorney
  • Kim was an absolute pleasure to work with. Not only did we secure an amazing rate, but Kim was there to calmly address our million questions. I will surely be referring her!

    PF Client
  • I am a Realtor in the Fairfield County and have referred Willie to several of my clients and the result has been always outstanding! Willie is available 24/7 - he always answers his phone. He has closed a mortgage for a client of mine in 45 days! Willie promises and delivers! Having Willie working with my clients , makes my job much easier.

    MB Real Estate Professional
  • Kimberly is the consummate professional.  She has worked with many of my real estate clients and all have been very pleased with the process, their rate and the professionalism that Kimberly provided.  I would not hesitate to refer her again and again.

    EM Real Estate Professional
  • Willie got the deal done. He was on top of all details every step of the way. He has an excellent support staff as well. I would definitely recommend Willie.

    GE Client
  • Thank you so much Keith for all your work and the work of your staff in acquiring a mortgage for us and helping us get closed on our home. Every interaction we had with you and Natasha was efficient, timely and helpful. I am so glad that KB referred Guard Hill to us. We will definitely refer anyone who is looking to purchase a home to you. We would be happy to write reviews on Yelp for you as well!

    LR Client
  • I found Cindy Saxman to be extremely knowledgeable and responsive in dealing with my mortgage needs. She was conversant in all aspects of my financing options and on top of the mortgage process form end-to-end. It was a total pleasure working with her and I would highly recommend her to anyone considering a mortgage.

    LL Client
  • Loved working with Suzanne and Betsy. They made our lives so much easier!

    GC Client
  • It was a great experience working with Maryla Ciechanowicz as our mortgage broker. From our first phone conversation it was clear that Maryla is very professional, knowledgeable, personable and genuinely cares about her clients. My case wasn't easy or simple, but our almost two-month collaboration definitively proved that my first impression of Maryla was correct and that it was a right decision to enlist her services. She was by my side every step of the way and when the application process hit a couple of bumps Marylya was very accommodating and reassuring. Not once did Marylya ignore my phone calls or neglected to answer my emails, she kept me appraised of the situation continuously so I knew exactly where we stood at every stage of the process. She never hesitated to go an extra mile to get things done and I'm convinced, she is absolutely the best in this industry!

    ZP Client
  • Betsy couldn't have made the process easier and streamlined. I appreciate all that Guardhill has done.

    MD Client
  • I had so many questions about the process, costs, etc. Willie walked me through every detail, sometimes more than once. Thanks for your patience.

    KM Client
  • Very professional, always available to answer questions and guide one through the paper work and process. A personalized service experience! Very satisfied.

    JI Client
  • Kevin and his colleague Steve were incredibly diligent in handling my home loan process even with many unexpected changes that occurred throughout the process. They both made themselves available when needed and nothing was ever left in question.

    MG Client
  • Willy is great, will always look to him for my mortgage needs! His team makes the process extremely easy.

    RD Client
  • Jimmy was great and helped me every step of the way. He also was easy to contact and answered every question (which was a lot) that I had.

    LN Client
  • Gino, Amber & Karla make an incredible team and made a very tedious process feel very easy and made it happen without any hitches.

    DP Client
  • Guardhill was extremely helpful during the entire process of obtaining a loan. This was my first time going through this and D'laine was very sweet,thorough, and patient during the entire process. She made sure everything was done perfectly the first time around. The entire staff was friendly whenever I had a question they were always there to answer. Would highly recommended GuardHill. Thank you all!

    GT Client
  • Excellent mortgage service. Michael is true professional. I took his advise and service in Feb - May 2017. He worked as a team to ensure the conditions required for mortgage offer are fairly met, maintained transparency throughout the process, had my best interest in mind and delivered a competitive mortgage offer. His team is great too, ensuring the documentation required for mortgage offer is complete. My case was slightly bespoke and involved net worth/assets distributed across multiple countries. Michael and team were patient and factored in all the details to ensure the mortgage amount captures the true net worth and ability to pay.

    AC Client
  • Stephen Rybak and Chelsea Devine are absolutely the BEST! Extremely professional, incredibly helpful and just awesome folks to deal with.

    SMS Client
  • Amber Daz was very competent, fast, professional, and patient, throughout the entire process! I have already recommended GH to my coworkers/friends.

    JO Client
  • Patti Frank is outstanding and has a great strategic mind how to get things done. She is calm and extremely helpful!

    GK Client
  • First time home owner, Michael Riemer from GuardHill treated us like a family and took us through the process and explained everything at our phase. We were pleased that we got this referral and would refer to my friends in future.

    DD Client
  • Michael Cohen and the people at Guardhill were very friendly and very helpful and got the job done for me.

    IS Client
  • Jimmy Mamakas is great! He was very professional and very accessible to information and facilitating the process from start to finish. He was very instrumental to the success of my transaction.

    MA Client
  • Steven Weiss is simply terrific! He is confident, knowledgeable and knows exactly what he is doing. Also Suzanne is exceptional with her work ethics. Seems like GuardHill has top notch service and extremely creative work force. Keep doing what you are doing. You make it easy, seamless and transparent. You performed all your checks, did everything right from a compliance standpoint but still did the right thing for the customer. Other banks and financial services companies can learn a thing or two from you guys. Simply awesome!!!

    AL Client
  • This is the third loan we've secured through GuardHill Financial. Stellar experience all three times. Professional, reassuring and unflinching, Amber Daz is there with you every step of the way. She promptly returns emails and phone calls and keeps things moving along at a steady pace. Amber and her whole team are friendly people with experience on their side making them an awesome team. We will never go anywhere else for a real estate loan.

    DS Client
  • The team is just professional and knowledgeable. This is my second refi and I love working with Chelsea Devine and Stephen Rybak.

    MY Client
  • I could not imagine working with anyone other than Michael Riemer. He is a true professional in every sense of the word - very bright, experienced, knowledgeable, patient, hardworking, and a pleasure to work with. I will recommend him every chance I get!!!

    BC Client
  • Extremely responsive and a very seamless process, with almost all the credit going to Stephen Rybak for being there every step of the way. Would recommend GuardHill in a heatbeat!

    GL Client
  • Susan Aguilar was a pleasure to work with and did not give up. She made it happen!

    SH Client
  • I would highly recommend GuardHill to anyone looking for the best mortgage broker. Jordon Roth and team are brilliant and led me through a complicated process with ease. They are a treasure and are to be commended for the service they provided.

    JK Client
  • I cannot thank the team at GuardHill enough, especially Stephen Rybak and Chelsea Devine, for all their hard work, words of encouragement and willingness to go beyond the extra mile to get the job done! I love that team and will be recommending them to everyone I speak with.

    HK Client
  • Richard Barenblatt was very easy to deal with, love the e-tools for signoff; closing was the most customer friendly process - at home!!!

    SVS Client
  • GuardHill held my hand each step of the way! I had so many questions and got answers right away. They put my mind at ease and it really made it so much easier! Thanks Kevin Ungar!

    SK Client
  • My experience with GuardHill Financial was wonderful. (Kimberly Zetts) All of my questions and concerns were handled calmly & efficiently with the perfect balance of care and professionalism.

    TH Client
  • Wonderful process from start to finish - thank you for providing knowledgeable, professional and efficient service with a smile! Keith Furer did a fantastic job with a challenging loan. He was extremely professional, helpful and responsive. I was very impressed with Keith and GuardHill. Will definitely be recommending to friends and colleagues.

    MC Client
  • As first time homebuyers, Keith Furer really put us at ease. He was thorough, patient and always available to answer our questions. His whole team was always very professional and it was an overall seamless experience. We will be sure to send our friends his way!

    SM Client
  • I truly had a very positive experience with Amber Daz and her team. They were all  pleasant and timely with documents and forthcoming with information.

    BP Client
  • Jennifer Adams was my loan officer. She is exceptional and is my first recommendation when someone asks me for a referral.

    RS Client
  • Dave Breitstein is a real professional who made the process easy. Very little duplication of document requests. Dave always answered my questions and concerns promptly, honestly and thoroughly.

    ST Client
  • Stephen Rybak and Chelsea Devine were phenomenal! They made what could have otherwise been a stressful process extremely seamless. The responsiveness and service they provided was unparalleled, and I cannot thank them enough.

    JH Client
  • David Breitstein was terrific through the process - transparent, helpful and considerate. However, I thought the many repetitive questions from the underwriter were unnecessary. I was unhappy with the underwriting process in general.

    CC Client
  • The team is very responsive, and always available to answer questions. The new E document signature process was easy to follow and easy to use. Thanks Amber Daz!

    RH Client
  • As first-time buyers we had a lot of questions and concerns. Keith Furer and Kim Zetts made the process smooth and were continually available to answer questions and provide information. They did a great job.

    PG Client
  • It was the best experience. Eve Jarrett was incredible! She was completely responsive and she gave me confidence through the entire process. The other members of her team were great as well!

    RB Client
  • Michael Riemer was a complete pleasure to deal with -- exceedingly responsive, friendly and knowledgeable.

    FF Client
  • I've been a customer for many years. I've had at least four or five transactions with Michael Riemer. He's the best!

    JF Client
  • I had a great experience working with Lee Hamway and team.

    YG Client
  • Keith Furer was extremely professional, put me at ease and answered all my questions - his assistant Kim was also great to work with - great communication all around.

    CD Client
  • Conducting Business with GuardHill Financial showed me how a business can go from solely communicating over a phone or email, to a company that takes on the relationships with their clients to a completely different level. I was able to communicate back and forth with representatives of the company regarding any questions or concerns that I had. In regards to creating the best possible loan offer for me, GuardHill Financial was able ensure the most competitive rates with the best service in the business. I was very happy that I chose GuardHill Financial to help me with my mortgage.

    Client JA
  • Dear Mr. Rosenbaum, I wanted to send a quick note to say what a pleasure it was working with Amber Daz to secure a mortgage through GuardHill Financial Corp. After discussing the loan process with two banks and three mortgage brokers, I decided without hesitation to go with Amber Daz. Her demeanor is immediately friendly and easy going but it’s also clear from the gate that she knows her stuff.  Both she and Blakely have been professional, thorough, courteous and quick to respond throughout the process. The experience was the best of what one can hope for. I’m a licensed real estate agent with Douglas Elliman. I look forward to referring both clients and friends to Amber and therefore to GuardHill Financial.

    FS Client, NY
  • If anyone is looking to get a mortgage or refinance - I can highly recommend Rochelle Crespi of GuardHill Financial. I worked with her to secure a mortgage on my pied-a-terre purchase in NYC and she fought tooth and nail to make sure that I got a mortgage and that it was at a fair market rate. She is extremely diligent and takes care to lead you in every step of the way.  If I were to re-finance or to purchase another property in NYC or in the USA, I would seek her services again!!!! In fact, I was first introduced to her when I tried to buy a property on a short sale (which fell through) a few years ago.  I do not work for nor was I asked by GuardHill or Rochelle to provide this recommendation- I am doing it because I feel that she is really good and I am super happy with my mortgage.

    HS Client, NY
  • Wanted to write a quick note praising the efforts of Cindy Saxman Margulies. From the beginning of what has been a very impressive process Cindy was by my side helping to guide me, explain details and (most importantly) secure the best rate possible.  In addition, Cindy was there throughout the entire close and put in considerable effort (and influence) to help expedite matters when I had pressing business commitments later in the day. I cannot say enough good things about her and will absolutely recommend her (and GuardHill) to everyone I know in the market. I am truly pleased with the end results.

    SR Client, NY
  • It is a pleasure to write this testimonial on behalf of Jordan Roth and GuardHill Financial Corp. I cannot recommend Jordan and the entire team at GuardHill enough. From the first time I spoke with Jordan about my needs, he was extremely understanding and helpful. He explained all the options available and walked me through the entire process. After having suffered a major disaster at the hands of one of the large national banks, it was a breath of fresh air dealing with GuardHill and Jordan in particular. The loan process was absolutely painless and our application was processed and approved in a short time. Jordan was very patient with me and was always available by phone or email, even late in the evening and on weekends, which is such a blessing. I wish everyone else in the industry cared so much for their clients. GuardHill is highly recommended. I am one very satisfied customer.

    PB Client, NY
  • D'Laine Mindreau has extraordinary focus in getting things done from start to finish. She was recommended by a lawyer I have known for over 20 years and I've always trusted him. He is never wrong. As such, he was right about D'Laine Mindreau. If you have the pleasure of working with her, do not pass it up. Her patience in the face of difficulty is unparalleled. Committed and professional, I would highly recommend her again and again. Another thanks to my Attorney Peter Thomas for putting me in touch with a person who has such an incredible work ethic.

    AV Client, NY
  • My wife and I have worked with Richard Barenblatt on 3 transactions, ranging from the routine to quite complex. Along the way, we've seen first-hand that he is honest, bright, resourceful and responsible. As a lawyer who specializes in housing law and civil rights and as a law professor who teaches about law practice, I know that the number one complaint about service industry professionals is the lack of responsiveness. Richard excels in this (and so many other areas). He understands that these transactions are important and will guide you through the process with great skill and care. We recommend him highly and without reservation.

    CA Client, NY
  • We first had the good fortune to work with Keith about 10 years ago, when he stepped in last minute to save us when a badly put together mortgage fell through as we were buying our Manhattan apt. Since then we have purchased three more homes using his services and done three refinances. Keith is professional, quick and very helpful. He has consistently got us the best rates, given us the best advice on what type of mortgage would best suit us at different times with different purchases, plus he has a great sense of humor - we can't recommend him highly enough!

    LG Client, NY
  • Steven Weiss was so helpful all through the process.

    LH Client
  • I wanted to just thank everyone at GuardHill for helping my family through this stressful process. GuardHill (Amber,and the whole team), have been a true Godsend. You guys have made this process so much easier and painless…my wife yesterday told me that this loan process was easy; we should do it again in the future with GuardHill. (The saga continues for a bigger house!) You guys are hands down the best.

    MLD Client
  • I pushed hard and part of my experience was stressful but the team at Guardhill did a fantastic job. Thanks a ton to Chelsea and Stephen for pulling through!

    BM Client
  • My wife and I recently closed our loan with the help of Mr. Rybak and his team for a combination of two units. What could have potentially been an extremely stressful and difficult process was absolutely nothing but seamless, to the point that my wife commented that she thought the process of getting a mortgage was “easy.” I know from firsthand experience that this is not always an easy process, and I attribute our experience to Mr. Rybak’s responsiveness and attention to our file, as his work was truly beyond repute.

    JH, Esq. Client
  • Kevin is The Mortgage Whisperer.  He has helped us with two different mortgages and each time he took what was a complicated situation and found solutions that allowed us to move forward with owning our apartment.  He is transparent, very responsive, direct, and solution oriented.  At no point did I feel he was selling me something - instead I felt like he had my best interests at heart and worked hard to find the right mortgage for our situation.  I would use Kevin again in a second and recommend him often to friends.

    GP Client, NY
  • Valerie Feder and her team at GuardHill Financial Corp. are simply the best in the business. Having owned multiple homes I would not think of trusting my mortgage needs to anyone else. Expert knowledge, expert advice and aggressive pursuit of the best mortgage rates out there are what you can expect and will ultimately receive.

    Client NY
  • We have nothing but great things to say about Michael and the team at GuardHill Financial Corp.  They not only got us a fantastic mortgage rate, but were a joy through every part of the process.  They worked quickly and efficiently, allowing us to get from offer to closing in roughly 2 months’ time.  They were quick to answer our questions, worked well with our lawyers and the seller, and in the end got us a mortgage that allowed us to buy an apartment we loved in a fiscally responsible manner.  I would highly recommend working with them on any needs you might have.

    SA Client, NY
  • Rochelle Crespi is a gem. She was honest, straightforward, and patient with us from the very beginning. Thanks, Rochelle.

    JR Client


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