Specializing exclusively in mortgages

January 2026

January Mortgage Market Update

Mortgage markets are entering 2026 with optimism as inflation cools and policy signals toward potential rate relief.

Recently, President Trump announced a directive to pursue $200 billion in mortgage-
backed securities (MBS) purchases, aimed at supporting housing affordability. Mortgage
rates are closely tied to MBS pricing, and increased demand for these bonds can help
push yield and lower rates. While no timeline has been announced, the market has
already reacted positively to the news.

What this potentially means for borrowers:

• Increased Purchasing Power
• Refinance Opportunities
• Improved Affordability

Why GuardHill

GuardHill specializes exclusively in mortgages and excels in efficiency, transparency,
and results.

Looking Ahead

2026 is shaping up to be a year of opportunity for buyers and homeowners who stay
informed.
Rate drops often happen quickly and can reverse just as fast. Borrowers who are
prepared—financially and with documentation—are best positioned to lock in favorable
terms.
If you’re considering buying, refinancing, or reviewing your options, we’re here to help
you navigate the market with confidence.

We’re Here to Help

Whether you’re buying, refinancing, or advising clients, we can guide you toward the
best options for 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:

• $3,300,000 – New York, NY. Purchase of a New Construction condominium. Full-
  Doc.
• $1,000,000 – Brooklyn, NY. Purchase of a primary residence using assets to
  qualify instead of income.
• $850,000 – Suffolk, NY. Cash-Out of a investment property using a new lease on
  the property to qualify instead of tax returns.
• $750,000 – Avery County, NC. Cash-Out of a second home using existing assets to
  qualify instead of income.
• $750,000 – Brooklyn, NY. Cash-Out of a 3-Family primary residence using a
  combination of assets and income vested in a privacy trust.

Reach out to me today for personalized advice and for a pre-approval.

Best, Keith