Non-QM Loans
A Non-Qualified Mortgage (Non-QM) is designed for borrowers, properties, or financing needs that may not fit traditional mortgage guidelines. GuardHill Financial offers a wide range of Non-QM mortgage solutions, providing greater flexibility for borrowers with complex income, significant assets, unique properties, or other circumstances that may make it difficult to qualify for a conventional mortgage. […]
Self-Employed Mortgage Loans
Being self-employed doesn’t mean you have to take a one-size-fits-all approach to mortgage financing. GuardHill Financial specializes in working with self-employed borrowers, business owners, entrepreneurs, and independent professionals whose income and financial profiles may be more complex than those of traditional salaried borrowers. Whether you’re purchasing or refinancing a primary residence, second home, or investment […]
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 Financial specializes in mortgage financing for Foreign National borrowers looking to purchase or refinance real estate in the United States. Whether you are purchasing a second home, investing in U.S. real estate, or refinancing a property you already own, our experienced mortgage professionals can help structure a financing solution around your unique financial profile. […]
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
Flexible Financing Solutions for Commercial Real Estate Whether you are purchasing, refinancing, or expanding your real estate portfolio, GuardHill provides customized commercial lending solutions designed to meet your financing goals. Our experienced team works closely with borrowers to structure competitive financing across a wide range of property types and transaction scenarios. Based in New York […]
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 is a specialized home loan program that allows eligible borrowers to qualify for financing using their liquid assets rather than relying solely on traditional employment income. Instead of focusing exclusively on wages, salary, or self-employment income, lenders use a qualifying calculation based on eligible assets […]
Investment Property Loans
An investment property mortgage is designed for borrowers purchasing or refinancing real estate that is owned primarily for investment purposes, such as generating rental income or building a real estate portfolio. GuardHill Financial offers a variety of investment property mortgage options for both new and experienced real estate investors. What Is an Investment Property […]