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.
Corporate Mortgage Program
GuardHill’s Corporate Mortgage Program is designed for companies of all sizes to offer as a valuable employee benefit.
HELOC vs. Home Equity Loan vs. Cash-Out Refinance
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 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.
Mortgage Process Do’s and Don’ts: What to Do (and Avoid) During the Mortgage Process
Applying for a mortgage can feel overwhelming, but knowing what to do—and what to avoid—can help keep your loan on track and make the process as smooth as possible.
January Mortgage Market Update
Mortgage markets are entering 2026 with optimism as inflation cools and policy signals toward potential rate relief.