Best Way to Check Your Credit Score The best way to check your credit score is to look at your credit report. Your credit
Make better decisions with GuardHill
Our customers are the priority
We provide you with the highest level of service by finding you the best mortgage that meets your financial needs. It’s our customers’ trust and loyalty that has earned us the reputation as being one of the best mortgage lenders in NYC for over 26 years.
We only do mortgages
At GuardHill, we are experts in financing mortgages. Unlike banks, we are not in the business of selling you credit cards, bank accounts, or anything else. We have helped over 3,000 clients achieve their homeownership goals.
Lowest mortgage rates
GuardHill specializes in finding you the best mortgage interest rates to match your financial needs. Having relationships with over 50 investors and lenders allows us to take care of the rate shopping for you, so you’re free to take care of everything else.
In-house teams
As a privately held mortgage company, GuardHill’s mortgage advisors have direct access to our in-house decision makers. That means you will get the answers you need in 24 hours.
One of the most reliable mortgage lenders since 1992
Our teams are dedicated to you from the beginning of your loan through closing. We want you to feel comfortable knowing that we will take care of you every step of the way.
GuardHill on the Go streamlines the mortgage process and allows you to stay informed anytime, anywhere. Apply for a mortgage on your phone, securely scan and upload documents, track the progress of your loan, and message your loan originator as you go! Click here to watch a tutorial.
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How to Establish Credit Today, having an established credit history is extremely important when looking to purchase a home, apply for a
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Best Ways to Improve Credit Score If you’ve ever missed a credit card payment or closed a credit card
What is an Appraisal?
What is an Appraisal? An appraisal for a home is an unbiased, professional assessment and valuation of the property. Appraisals
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The Mortgage Underwriting Process One of the final steps in the home buying process is the mortgage underwriting process. Underwriting is when
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Things to Consider When Buying a House: GuardHill’s Guide to Finding the Perfect Home One of the most crucial steps
Credit Score vs. Credit
Credit Score vs. Credit Report vs. Credit History You’re not alone if you don’t understand the difference between the terms
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How Are Mortgage Rates Determined? Many factors affect and determine mortgage rates. Some factors, such as the economy, are out
Do’s and Don’ts During
Do's and Don'ts During the Mortgage Process Once your mortgage application is submitted, you’ll want to avoid negatively impacting your
What to Know About
What to Know About Mortgage Insurance There are different types of insurance you may need when buying a home. Is
Getting a Mortgage When
Getting a Mortgage when Self-Employed Just because you’re self-employed does not mean you can’t own a home! It is true that
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Mortgage Down Payment Gift Many young homeowners, especially first-time homebuyers, use a cash gift (down payment gift) to help with
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How to Save for a House Down Payment Many people believe that the minimum down payment on a home is 20%.
When to Apply for
When to Apply for a Mortgage It’s not every day that you find yourself in the market to purchase a
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Mortgage Closing Process You’ve found your dream home; you’ve applied and been approved for a mortgage, and are now ready
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The Benefits of Using a Home Buying Calculator During the home buying process, you may wonder how much house you
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How to Choose a Mortgage Lender A significant question people face during the mortgage process is determining which mortgage lender
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Documents Needed for a Mortgage Application: Mortgage Documentation Checklist After establishing your budget, choosing a mortgage lender, and finding a
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Common Mortgage Terms Terms used when discussing mortgages such as amortization, equity, and margin, may easily confuse people as they
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What is a Good Credit Score? A credit score is a method for lenders to establish how well a borrower
Banker vs. Broker
Mortgage Banker vs. Broker GuardHill is a mortgage banker. A mortgage banker is a direct lender whose sole expertise is
Working with Chinese Buyers
Working with Chinese Buyers and Investors Wendy Huang, director of GuardHill’s International Mortgage Division, was invited to be a guest
I Want to Buy
I Want to Buy a House, Where Do I Start? Are you diving into the world of homeownership? If so,
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How are Mortgage Payments Calculated? A monthly mortgage payment consists of multiple factors. The basic calculation of any mortgage payment
What is a Mortgage
What is a Mortgage Pre-Approval? In today’s competitive real estate market, pre-approvals are more crucial than ever. A mortgage pre-approval
Featured In
Voted Best Local Mortgage Company in NYC
Personalized programs matched with the lowest mortgage rates
GuardHill is the right bank to get your mortgage at! Michael was extremely instrumental in closing on my mortgage…It is clear that GuardHill is looking to benefit the individual.”
David C.
GuardHill and especially William left a great impression on me…I was truly impressed with their professionalism, prompt closing, and their overall dedication to their job.”
Mohamed H.
This was my second time working with Amber at GuardHill. I received incredible service and prompt responses throughout the entire process.”
P. Kranes
Zillow
Keith helped us acquire a mortgage for the purchase of our first home! As first-time homebuyers, we had a lot of questions, and they patiently answered all of them.”
Liz R.
Yelp
It was a great experience working with Wendy and her team, especially being an international client without any financing experience in the U.S. They are so patient and responsible.”
Jinhong C.
Jimmy was a pleasure to work with. He explained things clearly without condensation or judgment…He turned what could’ve been a difficult process into a walk in the park.”
Matthew
Zillow
Over the past forty years, I have financed and refinanced numerous residences. Never have I experienced such a seamless and organized experience as the one with GuardHill.”
Steven S.
Yelp
Friendly, capable and highly responsive service from beginning to end. We are repeat customers and have been very satisfied with the refinancing processes at GuardHill.”
Frederick F.
From start to finish, Willie and his team worked hard and diligently to get my mortgage through on a very tight timeline. I knew I was in good hands…”
Sue
Zillow
I have achieved the impossible with the help of GuardHill. I refinanced an investment property in a Co-op building in NYC!"
Jade F.
Yelp
Richard has guided me through a rather complex loan approval process and did a wonderful job. He came up with creative solutions for the financing intended…”
Client
Zillow
I highly recommend Stephen and his team at GuardHill. They are extremely professional and thorough throughout the entire process and go above and beyond for their clients…”
Frank S.
Yelp
As an Insurance Agent I have worked with many mortgage lenders over my career. None have come close to the knowledge, professionalism and passion as David Breistein.”
Keith P.
Working with Kevin and his team is the best. They answer all your questions and explain everything in a way that I can understand and prepare you to make the best decisions!!”
Sobha K.
D'laine at GuardHill has been our loan officer on three properties. Buying a home can be an extremely daunting task...I cannot thank D'laine enough for her professionalism, kindness and support!”
Ian S.
June is so lovely. She made the process as easy as possible. She took all the stresses of applying for a mortgage out of it by being so organized and diligent with her information."
Veronica R.
Zillow
Kim was an amazing partner in the mortgage refinancing process for me. Her customer service skills are beyond compare. She definitely goes above and beyond for her clients."
Lucy G.
Zillow
My husband and I tried endlessly to secure a loan for our first home! Within 3 weeks of meeting Cindy, she was able to secure us a loan with even better terms...We are now happy homeowners!”
Luiza
Zillow
It was a pleasure to work with Jennifer Adams...She was responsive to all questions, dependable and reliable..The rate that she was able to secure was extremely competitive.”
Randi
Zillow