KF logo bannerKF logo bannerKF logo bannerKF logo banner
  • Home
  • Recommendations
  • Bio
  • News Desk
  • Contact
✕
  • Filter by
  • Categories
  • Tags
  • Authors
  • Show all
  • All
  • Mortgage
  • Mortgages
  • Uncategorized
  • All
  • ARM's
  • buyers
  • home financing
  • mortgage
  • New York
  • new york city
  • NYC
  • rates
  • sellers
  • All
  • Native Theory Digital
  • Keith Furer
October 22, 2018
Tips for Buyers in a Softened Market - Keith Furer Guardhill
October 22, 2018

Tips for Home Buyers in a Softened Market

Autumn 2018 has arrived and with it, higher levels of available real estate than we have seen in a while. A market like this offers valuable opportunities for potential buyers who are clear on their expectations and strategic in their methods. Over my 20+ years in the business, I have […]
Do you like it?
Read more

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 today’s competitive housing market. However, getting a mortgage could be a smarter financing decision.  𝗔 𝗳𝗲𝘄 𝗯𝗲𝗻𝗲𝗳𝗶𝘁𝘀 𝗼𝗳 𝗯𝘂𝘆𝗶𝗻𝗴 𝗮 𝗵𝗼𝘂𝘀𝗲 𝗶𝗻 𝗰𝗮𝘀𝗵 𝗶𝗻𝗰𝗹𝘂𝗱𝗲:  - 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
Follow on Instagram


Keith Furer - NMLS #56322
VP, Sales

(646) 519-7595


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

Licenses | Privacy

Copyright © 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.

    We use cookies to ensure that we give you the best experience on our website. If you continue to use this site we will assume that you are happy with it.