Jeff truly cares about his clients and does everything he can to help you. My spouse and I…read morerelocated from CA to FL and we called him based on a recommendation from another mortgage broker in CA. We had about 30 days to finance and find a house and move cross-country. Not only did he work with us remotely (everything- it was great!) but he was always aware of the time differential and sensitive to our schedules. He found us an amazing real estate agent and got us a super-fast pre-approval. Once our agent found our house, Jeff moved quickly to get everything done to finalize the loan, getting personally involved to help us meet our closing date. He communicates regularly, is extremely patient with multiple questions, and has a great sense of humor. This was our first home purchase and he made it seem easy. We met our quick deadline and are now living in and enjoying our first home! I highly recommend Jeff and his company if you are looking for a trustworthy, honest, and fast mortgage broker to get you a good deal. H.G., PhD

Since we started with Thrivent, financial planning has been a much bigger part of our lives,…read morewhereas before it was barely even a part of our lives at all. Creating a budget and researching investments is now something that we practice rather than just consistently claiming that we'll get to it someday. Our financial consultant always welcomes setting up meetings and discussing issues/concerns even if it's regarding issues that do not have anything to do with investing more money. So far the advice we have gotten from our consultant has really helped us get on track to saving for retirement!

I used HIS to get a better, real-world understanding of how to purchase investment properties, and…read moreit delivered. The information was clear, practical, and based on actual scenarios--not hype. It helped me slow down, properly analyze deals, and think more strategically instead of rushing into something that didn't make sense. In the end, it's not easy--but it works if you do.

I believe I have fallen victim to a deceptive and potentially fraudulent business scheme known as…read morethe Micro Banking Method (MBM), which is directly associated with HIS Capital, based in Orlando, Florida. I respectfully submit this letter as a personal testimony and appeal for a formal investigation into these operations, which I believe have taken advantage of me and countless others under the guise of mentorship and opportunity in real estate investing. In March 2024, I came across a compelling online advertisement featuring Rick Malero, who offered an investor starter package for $97. The promise was clear: I would be guided to invest in real estate using HIS Capital's funds for the deals I sourced. After purchasing this initial program, I was presented with multiple upsell options, which I purchased in hopes of increasing my success: * "Let Rick Fund Your First Deal" - $97 - https://microbankingmethod.com/start-here * "Microbanking Deal Analyzer" - $99 * "Fast Track Your First Deal" - $197 * "Microbanking Method" - $134 Shortly after, I scheduled a mandatory call with an "implementation specialist," Jay Guab, on March 15th. That conversation turned out to be another sales pitch--this time urging me to commit to a $10,000 or $25,000 partnership package, allegedly backed by HIS Capital. I was reassured by Jay that he was part of the program, a claim I later discovered to be false--he was merely a sales agent. I initially enrolled in the $10K HEPP package and was later "upgraded" to the $25K PEPP program, giving me access to a sparse online portal and weekly Zoom calls. I was promised that within 90 days, I would be closing real estate deals with private funding from HIS Capital, aided by their AI platform and a database of 10,000 leads. That 90-day milestone came and went--June 19th--without any functional software, usable leads, or meaningful support. I brought several deals to HIS Capital's attention, but their term sheets were unreasonable and not in line with true private money lending practices. The terms resembled predatory hard money offers. At a live event in Orlando in July 2024, held primarily at Rick Malero's church, we were again promised working software, committed team support, and partnership opportunities. Instead, we were subjected to hours of motivational speaking with very little actual value. The promised tools were either non-functional or delayed beyond reason. Meanwhile, the tone of the meetings increasingly shifted toward victim-blaming. I diligently followed every instruction, invested thousands in marketing, and attended all training sessions. I hired a virtual assistant (VA) to contact leads from the promised 10,000-person database, only to discover that most numbers were disconnected or inaccurate. I raised these concerns repeatedly, only to be told I or my VA was doing something wrong--despite screenshots proving otherwise. Eventually, in October, I successfully closed a deal in New York--a task that should have been a highlight of this experience but instead became a case study in dysfunction. The client was confused and stressed due to HIS Capital's disorganized and unprofessional processes. He ultimately closed the deal, but only after an unexpected $6,000 charge appeared at closing--something we were repeatedly told would never happen. Despite this, I was led to believe I was one of the very few who managed to close any deal at all. When I requested a list of successful members to celebrate their wins, only four names were recognizable out of about twenty, despite my active presence at events and online calls. This discrepancy raised red flags. By December, multiple members began communicating privately, expressing identical frustrations and sharing similar stories of misrepresentation, poor support, and financial loss. I spoke directly with one of Rick's partners, Louis Roque, and again received the same dismissive message: the program works--it's me that's the problem. As a consolation, I was offered leads that turned out to be completely unusable--people trying to refinance mobile homes on rented land or seeking owner-occupied financing, both of which HIS Capital doesn't support. More alarming, I discovered that Mike Giannulis and Mike Williams--key figures tied to MBM and its software development--were previously involved in a scam shut down by the FTC, known as MOBE. According to public FTC records, they were barred from operating or supporting educational business ventures. Despite this, they were active participants in MBM, raising serious legal and ethical questions. FTC Case Link: https://www.ftc.gov/legal-library/browse/cases-proceedings/192-3089-michael-giannulis In February 2025, I attended another live event. Rather than support, I was confronted and subtly shamed on stage. I was publicly singled out for having concerns, told I lacked the mindset for success, and quietly pushed to stop questioning the program. The atmosphere was cult-like

Rayce and Rob at Mid Florida are awesome. They did a very quick close. Rob kept me up to date on…read moreeverything. Very easy system for imputing your paperwork. All in all a surprisingly easy closing. Thanks, Mid Florida Mortgage

Rayce helped me with the loan to buy my house and I would not hesitate to recommend him or his team…read moreto anyone. He was always on top of things and helped me navigate some difficult issue with my loan making it happen. He even helped me refinance years later. Mid Florida is the best lender in central Florida in my opinion.

Solutions Group Accounting Firm does an amazing job. As a small business owner, I value their vast…read moreknowledge and great communication. But their energy and positivity make them a pleasure to work with.

"We hired Nate to file our business taxes and trusted that he had, for years. He hadn't. We only…read morefound out after receiving a call from the IRS asking us for hundreds of thousands of dollars. When we tried to address it, he wouldn't engage or take responsibility. We considered him a friend before this. I wouldn't trust him with your business." Beware.

I have had the pleasure of doing business with Alex for many years. Alex is thorough in his…read moreresearch, and always gives me his honest opinion upon completion of his research. One of Alex's most commendable attributes is his Integrity, and pertaining to business, that is not i

This location can get slammed during tax season. So, I would advise to set up an appointment. The…read morestaff is extremely helpful and professional. Moreover, they speak English and Spanish. Besides preparing taxes, they provide other services like mortgages and insurances. Also, the accounting services are way more affordable than other places.

Family run business. Had an appointment and was taken care of promptly. The business is taking…read moreprecautions to keep everyone safe from COVID. Very personable and efficient. Been coming here for the past three years and wouldn't trust anyone else, even driving from four hours away.

Jordan and his team at Trinity Mortgage are top notch. This is my first home purchase and the…read moreprocess has been wonderful. I have always heard that purchasing a home can be stressful, and I can say with all honesty that it has been the opposite experience for me. Jordan has been an absolute professional while making the process fun and exciting, which it totally should be. I will continue to sing Jordan's praises to anyone who is looking to buy a home.