Tips on How to Get the Best Mortgage Rate
Mortgage rates are at historically low levels and are predicted to rise, so there are incredible opportunities for millions of existing and soon-to-be homeowners. Whether you’re looking to refinance or purchase a home, today might represent a historic opportunity to save a lot of money by locking in on the best program and rate. Follow our tips on how to get the best […]
How to Prepare Your Home for Allergy Season
As spring approaches, those who suffer from allergies often feel miserable when plants expel pollen into the air. While you can’t always escape pollen when outside, these five tips on how to prepare your home during allergy season will provide some relief while inside. Add an air purifier Purifiers trap tiny particulates, including pollens, that […]
Mortgage Banker vs. Mortgage Broker: Which Should I Choose?
You may be wondering if working with a mortgage banker vs broker will have a considerable impact on your mortgage financing process. The answer may depend on your mortgage financing needs, desired loan program, and overall credit profile. GuardHill is a mortgage banker and a mortgage broker, which provides added value to our clients. Mortgage Banker vs. […]
What Determines Mortgage Interest Rates? Factors that Affect Mortgage Rates
Many factors affect and determine mortgage rates which is why mortgage rates may fluctuate daily. When shopping for a mortgage, borrowers place a strong emphasis on getting a low interest rate. We outline some factors that may be in or out of your control when locking-in a mortgage rate. What Affects Mortgage Rates: Factors that […]
Mortgage Checklist: Documents Needed for a Mortgage Pre-Approval
Our mortgage document checklist outlines some personal, income, asset, liability, and credit documents you may In today’s competitive market, getting pre-approved for a mortgage is a crucial step. Although not required, it may help you stand out and better your chances of getting an accepted offer. To get pre-approved, you must submit relevant documentation that paints a […]
What to Know About Home Inspections: Home Inspection Checklist
A home inspection is an essential step in the home buying process. When making such a significant financial decision, it is crucial to understand the property’s current state. The inspection will notify you of any problems or necessary repairs before you finalize the purchase. What is a Home Inspection A home inspection is a visual, noninvasive […]
ARM vs. Fixed Rate Mortgage: Which One is Right for You?
One important decision to make when getting a mortgage is whether you want an adjustable-rate mortgage (ARM) or a fixed rate mortgage. Learn more about what these terms mean and their pros and cons to help decide what product is right for you. What is an ARM? An ARM is a type of mortgage where […]
Millennial Housing Trends: Trends in 2020 and a 2021 Outlook
For the past few years, millennial homebuyers have had a strong influence and impact on the housing market. They will continue to do so well into 2021 as they become one of the fastest-growing home buyers segment. With mortgage rates at all-time lows, the transition to remote working, and the desire for more space, more […]
Saving for your First Home: Tips & Tricks
Saving money for your first home may seem overwhelming, but don’t let that discourage you! Start with some realistic goals and plans to help with saving for your down payment. Focusing on small steps and building up your savings will help you get even closer to owning your home. Tips for Saving for your First Home […]
I Want to Buy a House: Questions for First-Time Homebuyers
The home buying process may seem overwhelming to those entering the market for the first time, especially since buying a home is often one’s most significant milestone in life. Taking the time to learn how to best prepare for the mortgage financing journey may help alleviate some stress. Our first-time homebuyer guide outlines some great […]
