February Mortgage Market Update — 2026
March 26, 2026March Mortgage Market Update: Signs of an Early Spring Thaw
As we enter the spring homebuying season, the housing market is showing early signs of improvement after a challenging couple of years.
Buyer Activity is Picking Up
Buyer demand is strengthening. Mortgage applications and existing home sales have both increased, and first-time buyer activity has reached a five-year high.
Inventory is Improving
Housing supply is gradually improving as active listings rise and price growth softens, creating a more balanced market for buyers.
Refinancing Still Attractive
With rates stabilizing and home equity levels high, many homeowners are exploring refinancing to improve cash flow or restructure debt.
Looking Ahead
The spring 2026 housing market is shaping up to be more active and balanced than last year, creating potential opportunities for buyers and homeowners before competition increases.
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:
- $5,500,000 – New York, NY. Purchase of a cooperative primary residence.
- $3,200,000 – New York, NY. Purchase of a new construction condominium unit qualified using business bank statements instead of tax returns.
- $2,800,000 – San Diego, CA. Purchase of a primary residence qualified using business bank statements instead of tax returns.
- $2,800,000 – San Francisco, CA. Rate & Term refinance. Borrower lowered their rate by almost 2%. Qualified using income from restricted stock.
- $1,700,000 – New York, NY. Purchase of a primary residence qualified using a CPA prepared Profit & Loss Statement instead of Tax Returns.
Ready to get started?
Reach out to me today for personalized advice and for a pre-approval.
Best, Keith
