A Fed rate increase does not directly set mortgage rates.
Mortgage rates are influenced by the broader financial markets, so a Fed rate increase doesn’t automatically translate into an equal move in mortgage rates.
For buyers and homeowners, this is a good reminder that rather than trying to predict rate movements, it may be more helpful to focus on your homeownership and financial goals and the financing strategy that makes sense for your individual situation.
Why GuardHill?
GuardHill specializes exclusively in residential mortgage financing. Headquartered in New York City, we have built a national reputation for delivering a seamless, efficient, and highly personalized mortgage experience. Combining boutique-level service with the resources of a leading mortgage lender, GuardHill offers the best combination of rate, service, and ease of process from application through closing. Our commitment to responsiveness, transparency, and white-glove service has made us a trusted lending partner for homebuyers, homeowners, and real estate professionals nationwide.
Mortgage Program Spotlight
Flexible Financing Solutions
- No Tax Return Programs – Alternative income documentation options
- Bank Statement Programs – Qualify using personal or business bank statements
- Asset Depletion – Use eligible assets to establish qualifying income
- Cash-Out Refinance – Use your home equity for renovations, debt consolidation, education, investments, or other financial goals
We’re Here to Help
Whether you’re purchasing a home, refinancing, or helping clients navigate today’s market, GuardHill is here to help. We offer a broad range of mortgage solutions, competitive pricing, flexible underwriting, and a streamlined lending process designed to help borrowers achieve their goals with confidence.
Some Samples of our Recent Closings:
- $3,000,000 – Water Mill, NY. Purchase of an investment property single family home closed with interest-only.
- $1,100,000 – San Francisco, CA. Cash-Out refinance of an investment non-warrantable condominium.
- $2,200,000 – New York, NY. Purchase of a primary residence condominium.
- $1,000,000 – Boston, MA. Purchase of a second home condominium.
- $1,300,000 – Kissimmee, FL. Purchase of a second home vested in an LLC.
Client Testimonials
“Keith was recommended to me, and I’m grateful he was. I’m a first-time home buyer and he was very thorough and patient in explaining everything. Keith was always available to answer questions, even after the closing. I’m very appreciative of all his help. Keith cares about his clients. He was my mother’s mortgage broker eight years ago and often asked about her. “
-H.M., 7/13/2026
“D’Laine is diligent, personable, and incredibly responsive. She helped me throughout what was not only my first purchase, but also a purchase of a New York cooperative during an interest rate crisis and with very uncooperative sellers. Messy! D’Laine always had answers for my questions and was very supportive when things were stressful. She has an intimate knowledge of the New York market and was able to quickly get me approved for my mortgage. Any prospective buyer would be blessed to work with her.”
-J.F., 7/27/26
“As a financial advisor, I know, firsthand the importance of having hey high-quality mortgage provider. I have worked with dozens over the years, and David is one of the best. He recently helped a client of mine with mortgage for a large real estate purchase and although the deal did not go through, David candor, diligence, and professionalism put everyone at ease.”
-J.E., 7/31/2026
“This is the second mortgage we’ve done with Jimmy and once again he was amazing. He made the process painless, was extremely helpful and he sets the bar when it comes to communication and transparency. I can’t thank him enough for all he’s done for us!”
-R.A., 7/30/2026