Non-QM Loans
Non-QM loans, also known as non-qualified mortgages, provide homeowners who may not fit within the traditional lending guidelines for reasons related to income, employment, or credit with purchase and refinancing opportunities. Non-QM loans fill the gap between conventional and complex mortgage financing by allowing lenders to qualify borrowers based on alternative documentation. What is […]
Self-Employed Mortgage
How to Get a Mortgage When Self-Employed The mortgage process for self-employed borrowers is like that of a regular salaried borrower. You will complete a loan application, provide documentation, and then your loan will go into underwriting for a final approval decision. The only main difference is that self-employed borrowers may be required to provide additional documentation to […]
Multi-Family Financing
Purchasing a multifamily home can be an excellent way to earn passive monthly income, expand your investment portfolio, and build equity in a stable asset. What is a Multifamily Home? A multifamily home is a building that contains multiple residential units, such as a townhouse or apartment complex. Multifamily homes hold several different tenants […]
HELOC
A HELOC is a home equity line of credit that is secured by the equity in your home. A HELOC allows you to take out portions of the total loan amount (or line of credit) in the form of a draw instead of getting all the funds at one time like a traditional mortgage. There […]
Foreign National Loans – Mortgages for Non-U.S. Citizens
GuardHill is one of the nation’s leading Foreign National mortgage specialists. Whether you’re a Foreign National looking to purchase property in the U.S. to live in or rent out as an investment property or refinance an existing mortgage, GuardHill offers loan programs for non-U.S. citizens matched with competitive rates and first-class customer service. […]
FHA Loans
What is an FHA Loan? An FHA loan is a government-backed mortgage that the Federal Housing Administration (FHA) insures and is designed for low-to-moderate-income borrowers. FHA loans have more flexible lending requirements than conventional loans. FHA Loan Requirements: How to Qualify Since FHA loans have more flexible underwriting guidelines, they may appeal to many […]
Commercial Real Estate Loans
GuardHill has been one of the top commercial real estate companies in the Tri-state area since 1992. Commercial real estate loans allow borrowers to purchase or refinance a business property. What are Commercial Real Estate Loans? Commercial real estate loans allows borrowers to purchase or refinance a business property. Commercial real estate refers to […]
Co-op Mortgage
Co-op mortgages often have different guidelines and requirements than traditional mortgages. Co-op buildings are prevalent in the Tri-state Area, especially in New York City. Headquartered in NYC for over 31 years, GuardHill is one of New York’s best co-op mortgage specialists. What is a Co-op? A co-op (also referred to as a housing cooperative) is […]
Asset Depletion Mortgage
What is an Asset Depletion Mortgage? An asset depletion mortgage, also referred to as an asset-based mortgage, allows borrowers to qualify for a mortgage based on their liquid assets rather than their income. Thus, the borrower will not be required to provide tax returns when applying for the loan. An asset-based mortgage is excellent for […]
Investment Property Financing
Average property values rise exponentially as purchase demand increases, so investing in real estate may provide excellent long-term value and help you earn passive rental income. Investment property loans are eligible for single-family residences, townhomes, coops, condos, or multi-family properties. What is an Investment Property? An investment property is a property you purchase with the […]
