September Mortgage Market Update: The Fed Raises Rates What Does This Mean for Mortgages? 

A Fed rate increase does not directly set mortgage rates.
Mortgage rates are influenced by the broader financial markets, so a Fed rate increase doesn’t automatically translate into an equal move in mortgage rates.
For buyers and homeowners, this is a good reminder that rather than trying to predict rate movements, it may be more helpful to focus on your homeownership and financial goals and the financing strategy that makes sense for your individual situation.  

Why GuardHill?

GuardHill specializes exclusively in residential mortgage financing. Headquartered in New York City, we have built a national reputation for delivering a seamless, efficient, and highly personalized mortgage experience. Combining boutique-level service with the resources of a leading mortgage lender, GuardHill offers the best combination of rate, service, and ease of process from application through closing. Our commitment to responsiveness, transparency, and white-glove service has made us a trusted lending partner for homebuyers, homeowners, and real estate professionals nationwide.                                                     

Mortgage Program Spotlight

Flexible Financing Solutions

• No Tax Return Programs – Alternative income documentation options
• Bank Statement Programs – Qualify using personal or business bank statements
• Asset Depletion – Use eligible assets to establish qualifying income
• Cash-Out Refinance – Use your home equity for renovations, debt consolidation, education, investments, or other financial goals

We’re Here to Help

Whether you’re purchasing a home, refinancing, or helping clients navigate today’s market, GuardHill is here to help. We offer a broad range of mortgage solutions, competitive pricing, flexible underwriting, and a streamlined lending process designed to help borrowers achieve their goals with confidence.

Some Samples of our Recent Closings:

• $3,000,000 – Water Mill, NY. Purchase of an investment property single family home closed with interest-only. 
• $1,100,000 – San Francisco, CA. Cash-Out refinance of an investment non-warrantable condominium.
• $2,200,000 – New York, NY. Purchase of a primary residence condominium.
• $1,000,000 – Boston, MA. Purchase of a second home condominium.
• $1,300,000 – Kissimmee, FL. Purchase of a second home vested in an LLC.