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 levels have improved, and housing activity has exceeded many analysts’ forecasts.
Lower mortgage rates compared to last year, combined with a growing supply of homes for sale, have helped create more opportunities for buyers. Home values have also remained stable, reflecting the continued strength of the housing market and the long-term demand for homeownership.
As we enter the second half of 2026, the market continues to demonstrate stability and resilience, providing encouraging opportunities for both buyers and homeowners.
Why GuardHill?
GuardHill specializes exclusively in residential mortgage financing. Headquartered in New York City, GuardHill has built a national reputation for delivering a seamless, efficient, and highly personalized mortgage experience tailored to the unique needs of each borrower. Combining boutique-level service with the resources and expertise of a leading mortgage lender, GuardHill offers competitive rates, strategic financing solutions, and hands-on guidance from application through closing. With a commitment to responsiveness, transparency, and white-glove service, GuardHill has become a trusted lending partner for homebuyers, homeowners, and real estate professionals across the country.
We’re Here to Help
Whether you’re purchasing a home, refinancing, or advising clients, our team is here to help navigate today’s market. At GuardHill, we focus on building lasting relationships by providing the right combination of service, products, pricing, and a streamlined lending process—supported by flexible lending options and fast approvals.
Some Samples of our Recent Closings
- $2,600,000 – Brooklyn, NY. Purchase of a primary residence 2-family home.
- $1,600,000— New York, NY. Purchase of a primary residence co-op.
- $1,500,000 – Cambridge, MA. Purchase of a primary residence condo.
- $1,200,000 – Brentwood, TN. Purchase of a primary residence single-family home.
- $800,000 – Hollywood, CA. Purchase of a primary residence single-family home.
- $731,250 – New York, NY. Cash out refinance of a primary residence – cooperative.
Testimonials Received in April and May
“I cannot say enough about Valerie and the team at GuardHill Financial. We were referred to Valerie, and she immediately understood the complexities of our situation. She navigated every challenge with confidence and professionalism and kept the process moving at every stage. Her experience and creativity in financing are truly exceptional. We felt supported from beginning to end.”
-J.M.- 5/26/2026
“Thank you so much Maryla! The whole experience was a breeze. And I also wanted to pass on John’s compliments to you. He had only glowing things to say about working with you and your office!”
-Andrew- 5/18/26
“Buying a home can be nerve-wracking, but Jimmy made the process easy from start to finish. He kept me informed every step of the way and answered all of my questions promptly. Truly 5-star service!”
-P.C.- 5/25/2026
“My wife and I had a long and winding road to our first home purchase. I imagine most people do. I just don’t know how they manage to get through it without people like Keith and his colleagues at GuardHill. Our loan application had some complicated moments, and Keith was always an available, helpful and calming presence. Don’t hesitate for a moment to work with him.”
-R.W.- 4/20/2026
“Very professional team, on time, efficient, they handled my loan in outstanding modern way with e signing, they were prompt with answering my questions. I would highly recommend them for any real estate deal.”
-S.J.- 6/11/2026
