Happy New Year! We hope you and your family had a wonderful holiday season.

As we kick off 2025, we’re here to keep you informed about the latest news in the mortgage industry and to help you with your financing needs.
Rates have remained relatively steady this month.
For buyers, now may be a good time to lock in a rate before any potential increases later this year.
The new year has brought an increase in home for sales; however, demand remains strong, and sellers continue to receive multiple offers.
GuardHill is dedicated in helping you achieve your financing goals whether you are looking to buy your dream home or looking to refinance to consolidate debt or renovate.
As a mortgage specialist based in New York City, we simplify the process. No matter the size or complexity of your financing needs we are committed to providing expert guidance every step of the way.

Contact us today for assistance with:

1. Reviewing Your Credit Score: Start the year by checking your credit report for accuracy. A healthy credit score can help you secure the best mortgage rate.
2. A Pre-Approval: Pre-approval strengthens your position as a buyer, especially in competitive markets.
3. Refinance Options: If your current rate is higher than the market average, refinancing could reduce your monthly payments or help pay off your loan sooner.

Mortgage Tip of the Month

Stay proactive during uncertain times. If you’re in the middle of a transaction:

• Lock your rate; Rates are volatile, waiting might backfire.
• Get pre-approved NOW; You’ll be ready to act quickly if rates dip further.
• Consider shorter terms or adjustable rates mortgages; If you plan to sell or refinance within a few years, an ARM or shorter – term loan will lower payments.

What’s Ahead in 2025?

Economists predict a stable housing market this year, with potential rate changes influenced by inflation and Federal Reserve policies.

We’re Here to Help

Whether you’re considering buying, refinancing, or simply have questions about the market, we’re here to guide you every step of the way. Contact us to discuss your goals for 2025.

Ready to get started?

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

Best, Keith