Mortgage markets are entering 2026 with optimism as inflation cools and policy signals toward potential rate relief.
Recently, President Trump announced a directive to pursue $200 billion in mortgage-backed securities (MBS) purchases, aimed at supporting housing affordability. Mortgage rates are closely tied to MBS pricing, and increased demand for these bonds can help push yield and lower rates. While no timeline has been announced, the market has already reacted positively to the news.
What this potentially means for borrowers:
- Increased Purchasing Power
- Refinance Opportunities
- Improved Affordability
Why GuardHill
GuardHill specializes exclusively in mortgages and excels in efficiency, transparency, and results.
Looking Ahead
2026 is shaping up to be a year of opportunity for buyers and homeowners who stay informed.
Rate drops often happen quickly and can reverse just as fast. Borrowers who are prepared—financially and with documentation—are best positioned to lock in favorable terms.
If you’re considering buying, refinancing, or reviewing your options, we’re here to help you navigate the market with confidence.
We’re Here to Help
Whether you’re buying, refinancing, or advising clients, we can guide you toward the best options for 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:
- $3,300,000 – New York, NY. Purchase of a New Construction condominium. Full-Doc.
- $1,000,000 – Brooklyn, NY. Purchase of a primary residence using assets to qualify instead of income.
- $850,000 – Suffolk, NY. Cash-Out of an investment property using a new lease on the property to qualify instead of tax returns.
- $750,000 – Avery County, NC. Cash-Out of a second home using existing assets to qualify instead of income.
- $750,000 – Brooklyn, NY. Cash-Out of a 3-Family primary residence using a combination of assets and income vested in a privacy trust.
Recent Testimonials
“D’Laine helped us secure our financing for our recent purchase. She did a fantastic job and a pleasure to work with. She was always accessible via text, email, or phone. She always provided explanations in a way I understood.”
-K.L.
“David listened to my loan needs carefully and did all the searches and coordinated the loan process from start to end. My DTI was very close to the maximum allowed limit, and this was a mortgage needed on a second home. David helped me through all the obstacles, and in the end, I was able to complete the closing of the property on time. I am thankful for his help. Highly recommend him for your mortgage needs.”
-Anonymous
“Keith is a very communicative, speedy, and reliable mortgage specialist. He made our home buying and mortgage process clear and smooth. He even helped us secure a mortgage at a lower rate than we initially expected. He took time to explain the ins and outs to us, worked quickly to always be on top of the process, and his team was very helpful throughout. We would highly recommend Keith and would look to work with him again in the future.”
-Anonymous
“June was helpful in making my NY homeowners’ dream come true. This was my first experience with Co-op financing. The process can be daunting, but June walked me through every step. She has excellent communication skills, and she answered all my questions. I will recommend June to all my friends and coworkers. Thank you for the wonderful service that GuardHill Financial provided me.”
-B.W.
“Valerie with GuardHill Financial is a mortgage banker with whom I have a tremendous amount of trust. I have known Valerie for a very long time, and she has done a great deal of work for my clients and me personally. She is solution-minded, client-focused, and always seems to develop a very suitable product that addresses the specifics of any situation.”
-M.R., CPA
