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.

Why GuardHill?

24-hour approvals

30-day closings

Superior service

See why our customers trust GuardHill!

Delivers magic!

“Cindy has worked with me as well as other members of my family on a large number of transactions over a long period of time and  she delivers magic!!! She almost always seems to pull a rabbit out of a hat! The service and personal attention I received from Cindy is exceptional and regularly exceeds my already elevated expectations! I have bought and sold a large number of real estate assets and I have almost never come into contact with someone as motivated, tenacious, caring, and effective as Cindy. She is a delight to work with.”

- G.I. 3/22/22

Best loan officer I've encountered

“D’Laine was amazing. I had previously tried to refinance a property, and fewer loan officers couldn’t make it happen, but D’Laine did. She worked tirelessly to make it happen, and I can’t thank her enough. Next time I’m in the market for a loan, I’m definitely returning to work with D’Laine.”

- Anonymous 2/22/22

Helped me through all the obstacle

“David listened to my loan needs carefully and did all the searches, and coordinated the loan process from start to end. My DTI was very close to the maximum allowed limit, and this was a mortgage need on a second home. I was also looking for the best available APR. David helped me through all the obstacles, and in the end, I was able to get the least APR and complete the closing of the property on time. I am thankful for his help. Highly recommend him for your mortgage needs.”

- Anonymous 2/16/22


“D’Laine is very professional, knowledgeable, and friendly. She answered all my questions regarding the mortgage process for a co-op apartment from beginning to end. D’Laine always responded promptly any time of the day and was proactive in making sure the process moved forward. I highly recommend working with her.”

- Anonymous 2/14/22

We are so grateful!

“Jimmy was lovely to work with. Very attentive, kind, and happy to explain all the intricacies of buying a home to us, as we were first-time buyers. He helped us through, and we are so grateful!”

- Anonymous 2/14/22

A fast-as-possible refinancing on our co-op

“We came to D’Laine to request a fast-as-possible refinancing on our co-op, and she completely delivered. We found her to be focused, professional, responsive, and at the same time friendly and personable. We couldn’t be more grateful or recommend her more highly!”

- Anonymous 2/8/22

Worked with him twice now

“Jimmy is always available to help guide you through every step of the process. He responds to questions and concerns quickly. We’ve worked with him twice now- original and refinancing. Highly recommended.”

- Anonymous 1/13/22

Many financial advantages

“As a small business owner, traditional banks refuse to do refi loans with their current loan holders anymore – even if they are in great standing with perfect credit and have paid off multiple traditional big bank mortgage loans. Fortunately, GuardHill Financial Corp. is there to pick up the slack (and the many financial advantages) to accommodate the needs of successful entrepreneurs. I turned to Melissa, Mortgage Specialist, invariably professional, efficient, knowledgeable, and available. Even if I texted or called her after hours, she would respond to my questions. The loan closed last week, and I was delighted to find Melissa/GuardHill to turn to for any future mortgage loans.”

- N.T. 1/13/22

Fantastic throughout my entire process

“My review is for Natasha Alarcon. She was fantastic throughout my entire process. She was thorough and accessible. I appreciated her regular updates and keeping me in the loop. I never felt like I didn’t know what was going on with my application. Thank you again for helping to make what could be a stressful process somewhat seamless.”

- G.K. 1/12/22

Stood by his word!

“Christopher was very proactive, responsive, and even more important – he stood by his word! He and the GuardHill Financial Corp. team helped me navigate through the entire process, which took about 2 months – an outstanding result considering the current situation with COVID-19 out there. The overall mortgage process was seamless and very well organized. Thanks so much!!”

- I. 1/12/22

Instrumental in making my 1st home purchase a positive experience

“I have been working with Jimmy for the past 4 months. I was a 1st-time homebuyer with millions of questions and seeking solid genuine advice. Jimmy answered every question I threw at him, answered numerous phone calls, and was sincere in his responses throughout the entire process. He was instrumental in making my 1st home purchase a positive experience. I trust him and would highly recommend him and GuardHill to all. You will be lucky if he takes you on as a client! Thank you, Jimmy!”

- Anonymous 1/5/22

Absolutely amazing!

“Jim was absolutely amazing! He is both professional and personable! I recommend GuardHill, but I recommend Jim even more. This was my and my husband’s first time buying a home, and Jim made it easy!”

- D.H. 12/23/21

Co-op experts

“D’Laine and the GuardHill team were very responsive and helpful. I reached out to them as ‘co-op’ experts and was desperate for a quick process. D’Laine explained everything to me and fulfilled her promise of a quick process and closing of my application. Thank you to her and her team, and highly recommended!”

- K.C. 12/12/21

Thrilled to recommend and experience working with GuardHill

“As a Real Estate Advisor working in N.Y. and F.L., I am thrilled to recommend and experience working with GuardHill. Lenders play a significant role in real estate transactions, and it is critical to have a responsive, informing, and team-oriented group of professionals like GuardHill. I will recommend their services to my clients.”

- M.R. 12/9/21

Effective, fast, prompt, transparent, and responsive

“Richard and Betsy were superb: effective, fast, prompt, transparent, and responsive. They took the time to understand my loan situation (foreign national returning to US, NY investment property). So they were able to recommend options that worked despite the different challenges. I strongly recommend them and GuardHill!”

- Anonymous 12/2/21

None could help..until GuardHill

“We contacted five different financial institutions for help with our unique refinance situation, and none of them could help until we found D’Laine and GuardHill. They were creative in figuring out a solution for us. D’Laine was prompt in communications, and she was an advocate for us in getting our loan over the finish line. I appreciated their knowledge and attention!”

- S. 11/18/21

A tremendous amount of trust

“Valerie with GuardHill Financial is a mortgage banker with whom I have a tremendous amount of trust. I have known Valerie for a very long time, and she has done a great deal of work for my clients and me personally. She is solution-minded, client-focused, and always seems to develop a very suitable product that addresses the specifics of any situation.”

- M.R., CPA 10/19/21

Thrilled with my mortgage

“I am thrilled with my mortgage. Thank you for staying on top of things and always replying quickly when I had a question. I love my new apartment, and I thank both you and Valerie for helping me get it!”

- L. & S. 10/11/21

Top-notch service!

“Top-notch service, from start to finish. They make a complicated process easy to navigate.”

- R.F. 10/11/21

You'll actually enjoy your refi experience, really!

“So the rational part of me knew I needed to refi with interest rates being so low. But the emotional part of me didn’t want to deal with the slog that accompanies any mortgage experience. You know what I’m talking about. But the rational part of me took over, and fortunately, I was connected with Amber Daz and her team at GuardHill. They told me everything they needed, I secured the documents, and we moved from application to close in under 30 days, with a rate so good I’ll likely never see again in my lifetime. We even had fun on some of our calls. Really. So what are you waiting for? Give them a call! I’m glad I did!”

- J.W. 10/5/21

Number one!

“Jimmy handled my mortgage with efficiency and inimitable professionalism during what ended up being a very long purchase process. His vast experience was evident from our first discussion, through the application process, to closing and beyond. Jimmy is as honest as they come and worked relentlessly to make this the smoothest lending process I’ve experienced. I’d be remiss if I didn’t mention Betsy, Jimmy’s teammate, who clearly knows the ins and outs of the business and stands out as a consummate professional.”

- J. 10/4/21

Would never go elsewhere

“We just wanted to express our gratitude for the terrific job in helping us obtain a mortgage. In the past, we have attempted to obtain financing through the typical players, including our usual bank, and have been turned away because we are self-employed. We discovered Guardhill several years ago. From our first conversation with Amber, it was apparent that obtaining a mortgage as self-employed individuals would not be a problem. This is the third mortgage we have obtained from you folks, and I would never consider going elsewhere. It has been a pleasure working with you. Thank you for your hard work and personal attention.”

- I.M. 9/21/21

Extremely responsive

“We had started conversations with Richard before but decided to go a more traditional route with the bank directly. Our loan fell through at the final hour, and Richard was able to work extremely hard and find us a bank that was willing to do our loan and was also extremely professional. Richard helped us throughout the process and provided a lot of advice on all the different ways we could do the loan. Richard is also extremely responsive and spent a lot of time keeping us updated and working with us through the deal. Finally, he also helped us negotiate the rate at the end. Thank you, Richard!”

- J. 9/20/21

Exceeded all expectations

“I have worked with her [Maryla] twice – the first time when I purchased my first condominium and the second when I most recently refinanced it many years later. On both occasions, Maryla exceeded all expectations. She is highly knowledgeable about the process, and she was patient explaining the paperwork to me and answering my many questions. More importantly, she provided excellent financial advice in finding a product and a lender connected to my refinancing, which allowed me to consolidate my mortgage, home equity loan, and other debts to make my financial situation easier. I am very grateful for all her help, and I would recommend Maryla and her team without hesitation.”

- A.M. 9/20/21

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

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

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

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

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.