Blog
May Mortgage Market Update: New Fed Chair Signals a Shift Toward Lower Rates
Market Insight
The mortgage and housing industry is closely watching new Fed Chair Kevin Warsh, who is widely viewed as more supportive of lower interest rates over the long term which has created optimism across the market.Current expectations...
Read more >
April Mortgage Market Update: Stability Returning to the Market
Market Insight
As the spring homebuying season progresses, the housing market is showing encouraging signs of stability. Mortgage rates have remained relatively consistent, buyer demand is steady as consumers adjust to current rate levels, and ho...
Read more >
March Mortgage Market Update: Signs of an Early Spring Thaw
As we enter the spring homebuying season, the housing market is showing early signs of improvement after a challenging couple of years.
Buyer Activity is Picking Up
Buyer demand is strengthening. Mortgage applications and existing home sales h...
Read more >
Mortgage Broker vs. Mortgage Banker vs. Retail Bank: What’s the Difference?
When exploring home financing, you will likely come across terms like mortgage broker, mortgage banker, and retail bank. While they may sound similar, they play very different roles in the lending process.
Understanding the difference between a m...
Read more >
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.More homes a...
Read more >
GuardHill Licensing Requirements
As a mortgage banker, GuardHill is held to some of the highest licensing standards in the industry. These licensing requirements are designed to protect borrowers and ensure they are working with qualified mortgage professionals throughout the l...
Read more >
Corporate Mortgage Program
GuardHill’s Corporate Mortgage Program is designed for companies that want to offer a meaningful mortgage benefit to their employees.
Buying a home, refinancing, or exploring mortgage options can be a major financial decision. Through GuardHill...
Read more >
HELOC vs. Home Equity Loan vs. Cash-Out Refinance
If you have built equity in your home, you may be able to use that equity to access funds for renovations, debt consolidation, education costs, investments, or other financial goals. Three common options are a HELOC, a home equity loan, and a cash-o...
Read more >
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.
Qualified Mortgage (QM) Loan
A QM loan follows strict federa...
Read more >
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.
How You Can Potentially Qualify
Self-Employed ...
Read more >
