As we move into the middle of November, the mortgage market is showing signs of stabilization after months of rate volatility. On October 29th, the Fed reduced the federal funds rate by ¼ point, which actually caused a slight uptick in mortgage rates. However, overall rates still remain near two-year lows.
WHY GUARDHILL?
GuardHill specializes exclusively in mortgages and excels in efficiency, transparency, and results.
Refinance Opportunities
If you purchased your home in 2023 or early 2024, keep watch: modest drops in rates could make a rate-and-term refinance worthwhile.
Looking Ahead
The winter months can be a surprisingly good time to buy. Less competition often means better deals for prepared buyers. If you’re thinking about making a move in early 2026, now’s the time to get pre-approved and ready.
We’re Here to Help
Whether you’re buying, refinancing, or advising clients, we can guide you toward the best options for today’s market. At GuardHill, we focus on building strong relationships by offering the best combination of service, products, price, and ease of process—backed by flexible lending options and fast approvals.
Some Samples of our Recent Closings:
- $2,200,000 – Brooklyn, NY. Cash-Out of a primary residence, new construction condo using assets to qualify instead of traditional income.
- $2,000,000 – Brooklyn, NY. Cash-Out of a primary residence closed as interest-only using business bank statements instead of tax returns.
- $1,600,000 – Stamford, CT. Purchase of a second home, vested in a privacy trust.
- $500,000 – Brooklyn, NY. Cash-Out of an investment property for a Foreign National, using only rental income to qualify.
- $450,000 – New York, NY. Purchase of a pied-à-terre co-op using business bank statements instead of tax returns.
*Many of the transactions listed are for self-employed borrowers who take advantage of an easier approval process where bank statements are used rather than tax returns. This is a unique program that many banks do not offer.
Recent Testimonials
“Thank you so much Keith for your help and advice during this process. We’re so grateful for the excellent team you have and the step-by-step guidance.”
-I.F.
“It was a pleasure working with D’Laine. She made it all so smooth and easy. She was very experienced and helped us make some important choices. I would recommend her to friends and family & I will definitely be calling her again.”
-L.S.
“Amber is an absolute delight to work with. I recommend her and GuardHill for your mortgage.”
-M.C.
“Wendy made the mortgage process so easy and stress-free! They were always available to answer my questions and kept me updated the whole time. I really appreciate their help and would definitely recommend them to anyone buying a home.”
-M.W.
“Working with Amber was an excellent experience. They guided me through every step of the mortgage process with professionalism, patience, and clear communication. Thanks to their help, everything went smoothly, and I felt confident from start to finish. I highly recommend Amber to anyone looking to apply for a mortgage.”
-G.M.
