March Mortgage Market Update: Signs of an Early Spring Thaw
As we enter the spring home buying season, the housing market is showing early signs of improvement after a challenging couple of years.
Mortgage Broker vs. Mortgage Banker vs. Retail Bank: What’s the Difference?
At GuardHill, we’re both a mortgage broker and a mortgage banker. That means we both underwrite, process, and close loans using our own funds and in our own name, and we can act as a matchmaker, placing borrowers with the lender best suited for their credit profile.
February Mortgage Market Update
Mortgage rates remain near their lowest levels in years, helping to improve affordability. Affordability is improving: Lower mortgage rates plus slower home price growth gives buyers a better chance to negotiate and qualify for financing.
GuardHill Licensing Requirements
As a mortgage banker, GuardHill is held to some of the highest licensing standards in the industry.
Join our Corporate Mortgage Program
GuardHill’s Corporate Mortgage Program is designed for companies of all sizes to offer as a valuable employee benefit.
Understanding Cash Out Refinances vs. Closed-End Second Mortgages and Home Equity Loans
Second mortgages let you tap home equity without replacing your first loan—either as a closed-end second mortgage with a fixed rate, or a Home Equity Line of Credit (HELOC) with flexible draws and a variable rate.
What Is a QM Loan vs. a Non-QM Loan?
The difference between a Qualified Mortgage (QM) and a Non-Qualified Mortgage (Non-QM) loan comes down to how the borrower’s ability to repay (ATR) is documented and evaluated.
No Tax Return Mortgage Programs for Self-Employed & High-Net-Worth Borrowers
GuardHill offers no-tax-return mortgage programs designed for self-employed borrowers and high-net-worth individuals who need flexible ways to qualify without traditional income documentation.
Condo vs Co-op: Differences, Pros and Cons Explained
When comparing a condominium vs. a cooperative, the most important difference comes down to ownership structure. This distinction affects how you finance your home, what you pay monthly, and how much flexibility you have as an owner.
Understanding When a Refinance Makes Sense
Refinancing your mortgage can be a smart financial move. Understanding when a refinance makes sense can help you potentially lower your monthly payment, reduce long-term interest, or access your home’s equity.
