Guardhill Financial Corp

Wast Of Time

I can only tell you about my experience with Valerie Feder and Jerry Ahn at Guardhill Financial Corp.

I was given Valerie’s name buy a mutual friend.

I explained to her my boyfriend who is an International tax Attorney was in practice over 45 had gone out on his own with the same clients he has had over 30 years.

He was in business on his own a little less the the technical requirements of 2 years.

Valerie told me that it’s a hurdle but assured me we can overcome it as we have showed consistent income.

We we pre approved for 900k. Went down to Florida to look at homes and was just getting ready to go to contract we found out that we never actually had 900k but it was now 750k.

Makes a big difference when you are spending tine and money flying back and forth to Florida.

First home we went to contract failed inspection. The 2nd home we were told we could only get the 750k financing but we needed the 765k on 860k house with 11.24% down.

We knew that at 860k we needed that extra 15k to sign the contract.

Shorty before going on vacation, we were told by Jerry Ahn that we had that addition 15% so we signed the deal with the seller and went to contract.

Weeks later we get Guardhills contract for commission and we noticed the 15k wasn’t reflected in the numbers to be then told we never actually got the 15k.

We would have never gone to contract unless being assured of this 15k which we were told by Jerry Ahn.

Valerie come sup with this Sellers concession of 15k where the sellers agrees to the closing costs.

We were able to get them to sign it and added as an addendum to the contract.

A day before the deadline to getting this mortgage commitment Valerie informs me that we need two week extension due to this sudden 3 line addendum which I thought was ridiculous as she was the one who wrote it and I assumed cleared that with he lenders.

Getting close to the deadline for this 2 week extension she suddenly comes up that our file is now b being held up due to this gift letter that was supposed to be signed by my brother for the remaining downpayment.

We gave 10k when we signed the contract and another 10k after the inspection.

I could have done this gift letter moth Aho but now that the extension was getting ready to expire she now come up with this.

A couple of days goes buy and now she needed this title report!

Title reports aren’t using done until right before closing.

I asked why wasn’t this asked for by the title company weeks ago by you and her answer was I called up weeks ago to request it.

Well obviously you didn’t follow up because you don’t have it and we are a couple of days before deadline and you said the underwriters are requesting it.

IO called the title company to find out nobody ever requested it.

It wasn’t my job to request this report but I was able to have them send us the report as well as VALARIE FEDER.

Friday the day before the Tuesday September deadline awe get paperwork from the underwriters.

We were excited as here we thought we were finally going to get this loan and make the September 11 deadline for mortgage commitment with the seller as part of the contract with this extension.

After printing out 92 pages my boyfriend who is a Tax An International Tax Attorney read the 2nd to last page that says interest rate of 8.65 adjustable to and it can go as high as 14% after 5 Years.

Well we almost had a heart attack! Our sellers contract that we all signed including the sellers capped the rate at 5.5%.

Calling Valerie I said to her what excuse my bad word what the hell is this! She claims she knew all along about this rate and told ME and I said it was ok.

Well that is just nonsense. Has I known that I wouldn’t have waited 15k between lawyers fees, inspections, travel back and forth at least 4 times looking at homes, wasting our time our brokers time and the seller and his broker not to mention taking my boyfriends time away from work. she ten claims it must have been a misunderstanding.

We were totally mislead by here for months. She knew all along this was our rate.

This is like can shark rate. I called the lenders to them find out that Valerie and jerry never sent them our tax returns.

They gave us that rate based on bank statements and even still showed income of 30-60k a mont consistent for over 2 years.

Sat this point we had to back out of the contact for fear of losing our 20k downpayment.

6 months of this nonsense with her and her absolutely liar of an assistant Jerry Ahn we now lost our home.

If she would have been upfront in the beginning this wouldn’t have happened.

Our heart is broken as we been through so much, so much paperwork, travel expense.

If you had sent us both an email stating hey thesis all I can get you until Scott was sn business the full 2 years in writing to both of us in the very begging this wouldn’t;t have happened.

This is belong a nightmare. I have hundreds of texts and emails from Valerie with all her games and lies.

Is Guardhill Financial Corp a scam?
Guardhill Financial Corp is a scam and a bad service provider as per the report filed on They are not aggressive towards their customer satisfaction and complaint grievance.
Is Guardhill Financial Corp legit?
First Guardhill Financial Corp is not a legit business owner or provider. You must take necessary precautions/measures before buying or using their services.
How many reviews are submitted by Guardhill Financial Corp’s consumers?
There is/are 4 review(s) posted about Guardhill Financial Corp and it indicates that the severity of the scam is Medium.
Where is Guardhill Financial Corp located?
Guardhill Financial Corp is located at Grand Central Tower, 140 E 45th St fl+31, New York, NY 10017, USA. You can contact Guardhill Financial Corp by dialing (212) 688-9500 or visit their website before filing a lawsuit. We are no way affiliated with better business bureau or yelp reviews platform.
How much monetary loss is incurred by Guardhill Financial Corp’s customers?
According to the report(s), US $5655 was the total loss incurred by Guardhill Financial Corp’s customers.

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4 Reviews on Guardhill Financial Corp

  1. Applying for mortages is now fast and efficient

    Hey Valerie perfect name given to u by your friend .I do love your post and the work you are doing. me Mark Meyers from ohio, Offering some of the Lowest Available Mortgage Interest Rates and Closing Costs in the Market
    Over 25 years of Experience and Trust, providing mortgages to 100’s.
    Top Area Mortgage Lender and Team

    visit us :

  2. It has been said that applying for a mortgage is the hardest part of buying a co-op or home,

    It has been said that applying for a mortgage is the hardest part of buying a co-op or home, but for me it was the easiest, quickest and simplest process ever, and I would apply for another one in a heartbeat, as long as it is with D’Laine Mindreau of GuardHill Financial Corp.

    D’Laine is friendly, very organized and her firm utilizes user friendly software. Applying for my mortgage was fast and efficient. And, D’Laine not only knows the mortgage business but also the co-op and closing processes.

    With D’Laine on your side you will never feel as if you are alone. She is completely transparent and addresses all of your concerns, even those not concerning the mortgage. She treats you with respect and gives thorough explanations of how the mortgage process integrates with the co-op application and closing process.

    I was completely at ease before and during my closing and I owe it all to D’Laine Mindreau.

  3. He is always our 1st choice, if we need loan help

    We worked with Jimmy Mamakas on getting our first mortgage as new home owners. Jimmy was always available and he always explained things very well.

    He will go over it & over it if we were having trouble understanding any part of the loan process. We looked to Jimmy to provide us with honest & reliable information & have never been disappointed. He is always our 1st choice, if we need loan help

  4. Never trust these guys.

    Never go with these guys. They asked my credit card for my credit score something about 20 bucks but I found a charge of 900$ on my card. They did not revere the charge and still I am dealing with credit card company to drop the charges.

    Moreover, I asked them for all costs for closing the mortgage but just a few days before the closing they sent me a bill with charges much higher. They think people before closing have not choice. Luckily another mortgage lender helped me to get a mortgage. Very impolite people in customer service. Never trust these guys.

Reported Loss :5655 $
Severity of Scam :Medium
Reported by : Anonymous
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