As we enter the spring homebuying season, the housing market is showing early signs of improvement after a challenging couple of years.
Buyer Activity is Picking Up
Buyer demand is strengthening. Mortgage applications and existing home sales have both increased, and first-time buyer activity has reached a five-year high.
Inventory is Improving
Housing supply is gradually improving as active listings rise and price growth softens, creating a more balanced market for buyers.
Refinancing Still Attractive
With rates stabilizing and home equity levels high, many homeowners are exploring refinancing to improve cash flow or restructure debt.
Looking Ahead
The spring 2026 housing market is shaping up to be more active and balanced than last year, creating potential opportunities for buyers and homeowners before competition increases.
- Forecasts point to a more balanced housing market in 2026.
- Improvement in housing inventory and sales.
- Affordability will continue to modestly improve.
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.
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:
- $5,500,000 – New York, NY. Purchase of a cooperative primary residence.
- $3,200,000 – New York, NY. Purchase of a new construction condominium unit qualified using business bank statements instead of tax returns.
- $2,800,000 – San Diego, CA. Purchase of a primary residence qualified using business bank statements instead of tax returns.
- $2,800,000 – San Francisco, CA. Rate & Term refinance. Borrower lowered their rate by almost 2%. Qualified using income from restricted stock.
- $1,700,000 – New York, NY. Purchase of a primary residence qualified using a CPA prepared Profit & Loss Statement instead of Tax Returns.
Testimonials Received in February and March
“Working with Jimmy and his team at GuardHill Financial was an absolute pleasure from start to finish. From day one, Jimmy was attentive, personable, and incredibly responsive. No question was ever too small, and he always took the time to explain everything clearly and patiently. Thank you, Jimmy, for making my first home purchase such a positive and easy journey!”
-M.A.
“I had a great experience applying for my mortgage loan. Wendy was extremely professional and wonderful to work with. She responded to all of my questions promptly and kept me informed throughout the entire process. Everything went very smoothly and efficiently, and we were able to close within 30 days. I highly recommend working with Wendy.”
-R.Z.
“Working with Valerie was an exceptional experience from start to finish. She simplified what can often be an overwhelming mortgage process and explained everything in a clear, patient, and thoughtful way. Valerie was always available, highly responsive, and made sure nothing fell through the cracks. She truly knows how to make a difficult process feel straightforward.”
-B.B.
“Thank you, Keith! You and your team were great to work with, and so on top of everything. The closing process was so smooth! Really appreciate all of your advice throughout the process.”
-E.M.
“We worked with D’Laine to buy our first co-op in NYC and she was great! She helped us find the best rate and made sure we had all the information we needed to make decisions. She answered every single phone call and question we had – no matter how annoying or repetitive we were! You can tell she had so much knowledge and experience with all her guidance. Could not recommend her enough!”
-H.S.
