Blog
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...
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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...
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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...
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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...
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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...
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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...
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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...
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No Tax Return Mortgage Programs for Self-Employed Borrowers
For some borrowers, traditional mortgage documentation does not always reflect their full financial picture. Business owners, entrepreneurs, freelancers, real estate investors, and high-net-worth individuals may have strong cash flow or significant ...
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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.
Understandin...
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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.
If you are wondering how to know w...
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