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  • Keith Furer
January 1, 2025
January 1, 2025

Happy New Year!

Weโ€™re here to keep you informed about the latest news in the mortgage industry and to help you with your financing needs.
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May 1, 2025
May 1, 2025

As Spring blossoms are around us.

The mortgage market heated up in April as economic conditions stabilized for those looking to secure financing.
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July 28, 2025
July 28, 2025

Mortgage Rates Cool Slightly After June Spike

After creeping upward in June, mortgage rates showed signs of stabilizing in early July.
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Experience, integrity & great rates.

Contact me today.

(646) 519-7595

Keith Furer
VP Sales – NMLS #56322

On Instagram

keith_furer_since_1998

Since 1998, I have been proudly serving the mortgage needs of the tri-state area working with different types of loans, properties and borrowers.

Conforming loans follow standardized guidelines an Conforming loans follow standardized guidelines and are backed by Fannie Mae or Freddie Mac. Jumbo loans are not, so underwriting is based on individual lender guidelines. As a result, jumbo loans typically require:  - Higher or varying credit score thresholds
- More detailed income and asset documentation
- Post-closing cash reserves
- Lower loan-to-value (LTV) ratios
- Lower debt-to-income (DTI) ratios  While jumbo loans often involve larger down payments, GuardHill offers flexible options for well-qualified borrowers.  #mortgages #loantypes #realestate
The Conforming Loan Limit is set by the Federal Ho The Conforming Loan Limit is set by the Federal Housing Finance Agency (FHFA) based on the national average home price, with higher loan limits in areas that have above-average housing costs. This is the maximum loan amount a homebuyer can borrow with a conventional mortgage that qualifies for purchase by Fannie Mae and Freddie Mac.  For 2026, the conforming loan limit for a one-unit property is:  $832,750 in most U.S. markets
$1,249,125 in designated high-cost areas  If your loan amount exceeds the limit for your county, a jumbo loan is required.  #mortgages #conformingloanlimit #realestate
You may be wondering if you should pay all cash fo You may be wondering if you should pay all cash for a home or get a mortgage. Some believe it may be better to put an all-cash offer on a home in todayโ€™s competitive housing market. However, getting a mortgage could be a smarter financing decision.  ๐—” ๐—ณ๐—ฒ๐˜„ ๐—ฏ๐—ฒ๐—ป๐—ฒ๐—ณ๐—ถ๐˜๐˜€ ๐—ผ๐—ณ ๐—ฏ๐˜‚๐˜†๐—ถ๐—ป๐—ด ๐—ฎ ๐—ต๐—ผ๐˜‚๐˜€๐—ฒ ๐—ถ๐—ป ๐—ฐ๐—ฎ๐˜€๐—ต ๐—ถ๐—ป๐—ฐ๐—น๐˜‚๐—ฑ๐—ฒ:  - Make you a more competitive buyer
- Avoid paying interest
- Close on your home faster
- Avoid having trouble qualifying for the loan  If you have the financial means to do so, paying all cash for the home may be better if you have trouble qualifying for the mortgage. Maybe you recently switched jobs, are newly self-employed or have a high debt-to-income ratio.  It is best to speak with a mortgage specialist first to determine your eligibility for a mortgage.  #mortgages #cashhomepurchase #homebuying #realestate
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Keith Furer - NMLS #56322
VP, Sales

(646) 519-7595


GuardHill Financial LLC. - NMLS #1609
140 East 45th Street, 31st Fl
New York, NY 10017

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Copyright ยฉ 2026 Keith Furer, produced by Native Theory Digital | Guardhill Financial LLC is a registered lending provider. NMLS# 1609. 140 East 45th Street, 31st Floor, New York, NY 10017. Telephone Number 1-800-853-7078 All loans are subject to credit and property approval. This is not a commitment to lend or extend a mortgage.

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