Blog
June Mortgage Market Update: Housing Market Outperforming Expectations in 2026
Market Insight
The housing market has delivered a stronger-than-expected performance so far in 2026. Despite ongoing affordability challenges and mortgage rates remaining above historical lows, homebuyer demand has remained resilient, inventory l...
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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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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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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...
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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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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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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...
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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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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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