
After creeping upward in June, mortgage rates showed signs of stabilizing in early July. Markets are closely watching tariffs, inflation, and job reports as the Fed continues to signal a patient approach to future rate cuts.
Loan Volume & Buyer Activity
Summer typically brings more purchase activity, and this year is no different — though inventory remains tight, especially in urban and luxury markets. We’re seeing:
- Increased demand for second homes and investment properties
- More creative financing (ARMs, interest-only, alternative documentation loans)
- Continued strong activity in co-op and condo segments in NYC
Financing Challenges in Condos & Co-ops
More condos and co-ops are falling outside Fannie Mae’s warrantability standards due to litigation, reserves, or occupancy levels. We continue to specialize in:
- Non-warrantable condos
- Cooperative apartment financing
- Flexible and niche lending for unique properties
We help navigate these challenges with flexible lending options and fast approvals.
We’re Here to Help
Whether you’re buying, refinancing, or advising clients, we’re happy to provide guidance on the best options for today’s market.
GuardHill focuses on building relationships throughout the industry by offering the best combination of service, products, price and ease of process.
Some Samples of our Recent Closings:
- $3,500,000 – Sarasota, FL. Purchase of a 2nd home. Full documentation loan.
- $3,000,000 – New York, NY. Rate & Term of an Interest-Only ARM loan that was set to adjust and start amortizing.
- $3,000,000 – New York, NY. Purchase of an investment property qualified just using market rent.
- $2,500,000 – Fairfield, CT. Purchase of a primary residence. Full documentation loan.
- $1,800,000— Los Angeles, CA. Purchase of a primary condominium. Full documentation loan.
Recent Testimonials
“K.F. is absolutely amazing. A true professional when it came to navigating the complexities of a co-op transaction. If he could handle that, and then everything else should be a breeze, I highly recommend him”
-A.O.-
“We first worked with J.M. during our initial refinance when we lived in Brooklyn. After moving to New Jersey, we reached out to him again for help securing a new mortgage—and most recently, he assisted us with refinancing our current home. J.M. has been with us every step of the way, making each experience smooth, straightforward, and stress-free. 100% I would recommend Jimmy.”
-K.K.-
“J.A. and her team at Guardhill came recommended to us by friends, and it quickly became clear as to why. As first time buyers in the US AND without a broker to help us on our side, Guardhill made securing our home loan easy, clear and frankly enjoyable. These are big decisions you have to make and coupled with extremely reasonable fees, I would argue that choosing them is a no-brainer. We’re already certain that we will refinance with them (should they recommend it) and when the time comes to sell/buy again, I know who we will be calling on.”
-F.G.-
“S.B. and the whole Guardhill team were amazing and very accommodating of my extremely tight timelines. My lawyer said that she had never seen a team move so quickly. Great responsiveness & anticipation of what would come next.”
-Z.H.-
“Wow—V.F is a total superstar! From the very first call, she made us feel like her top priority. As first-time buyers, we had no idea what to expect, but V.F. broke everything down so clearly and guided us through the process with confidence and care. She handled every little detail so we didn’t have to stress for a second. We honestly couldn’t imagine buying our home without her. If you want someone who truly cares and delivers beyond expectations, Valerie is the one!”
-I.L.-