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 are now on the market: A bit more inventory and less frenzied bidding can create opportunities, especially in areas where prices have been flat. Refinancing remains attractive for homeowners with 6%+ rates looking to lower long-term costs — especially while rates linger near multi-year lows.
Why GuardHill
GuardHill specializes exclusively in mortgages. Headquartered in NYC, GuardHill’s national reputation for making the mortgage process smooth and efficient while providing competitive rates is unparalleled.
Looking Ahead
Forecasts point to a more balanced housing market in 2026.Improvement in housing inventory and sales. Affordability will continue to modestly improve.
We’re Here to Help
Whether you’re buying, refinancing, or advising clients, we can assist you throughout the process in today’s market. At GuardHill, we focus on building strong relationships by offering the best combination of service, products, price, and ease of process—backed by flexible lending options and fast approvals.
Some Samples of our Recent Closings
- $3,000,000 – Boca Raton. Delayed Financing to recoup funds from an all-cash purchase vested in a privacy trust.
- $1,200,000 – Brooklyn, NY. Purchase of a 3-Family Investment property vested in an LLC at 80% LTV.
- $1,000,000 – Brooklyn, NY. Purchase of a 2-Family Primary residence using business bank statements in lieu of tax returns.
- $600,000 – Orange County, CA. Cash-Out refinance of an investment condo using only rental income to qualify.
- $600,000 – Fire Island, NY. Rate & Term refinance of a vacation home.
Testimonials Received in January and February
“D’Laine was fantastic to work with as a first-time homebuyer. She answered all of my questions, was always available, and clearly walked me through each step of the mortgage process. Her guidance made everything feel smooth and manageable. I highly recommend working with her!”
-B.B.
“We are so thankful for Melissa and her team’s help in navigating our mortgage needs! We feel lucky to have had her in our corner. We’ll definitely keep her in mind if we have any friends who are looking for similar services. Thanks again for everything!”
-T.D.
“Patti, thank you again for all you did to make the financing happen. Very grateful to you, and your colleagues Betsy and Christina. This was the smoothest and most straightforward process I’ve ever experienced. I attribute that to the very deft way you handled everything. Thank you, and I look forward to working together in the future!”
-P.A.
“So grateful to have gotten the chance to work with Keith. I am a first-time buyer and Keith was extremely patient and thoughtful with me, making sure I was consistently in the know and on track to close. Could not have done this without his kindness and wisdom about the process.”
-E.K.
“Valerie at GuardHill Financial is truly one of the best in the business. She has a rare ability to handle complex and difficult loans that many others simply cannot. Her depth of knowledge, extensive resources, and clear communication make a challenging process feel manageable. Valerie is extremely responsive, answers questions thoroughly, and instills confidence at every step. I would recommend her without hesitation.”
-N.L.
