The summer housing market continues to build on the momentum we’ve seen throughout 2026. Inventory has improved in many markets, giving buyers more choices than they had a year ago, while home values have remained stable despite higher-than-historical mortgage rates. Although affordability remains an important consideration, many buyers are finding that increased inventory, greater negotiating opportunities, and a wide range of financing options are helping them achieve their homeownership goals.
For homeowners, today’s market also presents opportunities to access equity through refinancing or cash-out financing while continuing to benefit from long-term home appreciation.
Why GuardHill?
GuardHill specializes exclusively in residential mortgage financing. Headquartered in New York City, we have built a national reputation for delivering a seamless, efficient,
and highly personalized mortgage experience. Combining boutique-level service with the resources of a leading mortgage lender, GuardHill offers the best combination of rate, service, and ease of process from application through closing. Our commitment to responsiveness, transparency, and white-glove service has made us a trusted lending partner for homebuyers, homeowners, and real estate professionals nationwide.
Mortgage Program Spotlight
No Tax Return Mortgage Programs
Traditional tax returns don’t always reflect a borrower’s complete financial picture.
GuardHill offers flexible mortgage solutions that may allow eligible self-employed borrowers, entrepreneurs, business owners, real estate investors, and high-net-worth individuals to qualify using alternative documentation such as:
- Business bank statements
- Profit & Loss statements
- Brokerage and retirement account statements
Program Highlights
- No tax returns required for eligible borrowers
- Purchase, refinance, and cash-out options
- Loan amounts up to $3.5 million
- Primary residences, second homes, and investment properties
- Competitive rates and flexible qualification options
If your financial profile doesn’t fit traditional mortgage guidelines, our team can help identify financing solutions designed around your unique situation.
We’re Here to Help
Whether you’re purchasing a home, refinancing, or helping clients navigate today’s market, GuardHill is here to help. We offer a broad range of mortgage solutions, competitive pricing, flexible underwriting, and a streamlined lending process designed to help borrowers achieve their goals with confidence.
Some Samples of our Recent Closings:
- $3,200,000 – Sag Harbor, NY. Cash-Out refinance of a second home.
- $2,100,000 – Larchmont, NY. Purchase of a primary residence single-family home.
- $1,600,000 – New York, NY. Purchase of a primary residence non-warrantable condominium.
- $1,400,000 – Brooklyn, NY. Rate & Term refinance of a 2-family primary residence.
- $700,000 – Austin, TX. Purchase of a primary residence single-family home.
Testimonials Received in June and July
“I am writing to express my immense gratitude to Valerie and her team for all the support and guidance provided throughout the purchase of my mom’s apartment. We were continually impressed with Valerie’s hard work, patience, and expertise at every step of the process.”
6/8/2026
-V.G.-
“Thank you, Keith, for your support throughout the process. Your professionalism, responsiveness, and guidance made everything smooth and stress-free. I truly appreciate your help and will gladly keep you in mind for future financing needs and referrals. Thanks again, and I look forward to staying in touch.”
6/16/26
-A.C.-
“D’Laine was amazing to work with from start to finish. There was no question she left unanswered. There was no task she did not complete. There was not one day it was difficult to work with her. She had my best interest at heart, and I genuinely believe that. When working with her, rest assured you are being taken care of by the absolute best. There is no one else I’d rather work with when it comes to getting a mortgage for my new home. Thank you D’Laine. You truly were fantastic in all aspects of your job! Upper management is lucky to have you on their team.”
7/9/2026
-G.P.-
“Working with Jimmy was an outstanding experience from start to finish. He made the entire process smooth and stress-free, was always available to answer our questions, and kept us informed every step of the way. He worked hard to secure the best financing option for us and ensured everything stayed on track for a timely closing. We truly felt he always had our best interests at heart. We were so lucky to work with him. Thank you again, Jimmy!”
7/13/2026
-E.K.-
“Wendy was knowledgeable, responsive, and professional throughout the entire mortgage process. She made everything smooth and easy to understand. I highly recommend her to anyone looking for a trusted loan officer.”
7/17/2026
-Y.X.-
