February Mortgage Market Update — 2026

Mortgage Rates Still Near Multi-Year Low

Mortgage rates remain near their lowest levels in years, helping to improve affordability.

Affordability is improving: Lower mortgage rates plus slower home price growth gives buyers a better chance to negotiate and qualify for financing.

More homes are now on the market: A bit more inventory and less frenzied bidding can create opportunities, especially in areas where prices have been flat.

• Refinancing remains attractive for homeowners with 6%+ rates looking to lower long-term costs — especially while rates linger near multi-year lows.

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.

Looking Ahead

• Forecasts point to a more balanced housing market in 2026.
• Improvement in housing inventory and sales.
• Affordability will continue to modestly improve.

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:

• $3,000,000 – Boca Raton. Delayed Financing to recoup funds from an all-cash purchase vested in a privacy trust.
• $1,200,000 – Brooklyn, NY. Purchase of a 3-Family Investment property vested in an LLC at 80% LTV.
• $1,000,000 – Brooklyn, NY. Purchase of a 2-Family Primary residence using business bank statements in lieu of tax returns.
• $600,000 – Orange County, CA. Cash-Out refinance of an investment condo using only rental income to qualify.
• $600,000 – Fire Island, NY. Rate & Term refinance of a vacation home.

Ready to get started?

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

Best, Keith