If you're looking to buy a new home or refinance your home, this is the team you want to work with…read more My husband and I first used them to refinance our home a few years ago, and we had such an outstanding experience we went back to them when we were looking to buy a new home. They make everything so easy and effortless, and they are always happy to answer any questions you have. Oftentimes my husband would talk to them in the phone, and then I would have additional questions he didn't ask, so we would call back to ask more questions. Not matter who we were reaching out to, if they weren't available when we called, they would always call back quickly, and they were always happy to take as much time as we needed to answer all of our questions... or explain it different ways for us to understand. I would not hesitate to work with Streamline again, Brian's team is amazing!

What a well-oiled machine! We used them to do a re-fi. I fired my previous broker who helped us on…read moreour first mortgage because I knew we could do better, particularly better service. I found Streamline on the BDM Hookup page (Tom and Dan Show) and knew that because of that, we'd likely have a positive experience. They OVER-DELIVERED! They methodically kept us in the loop at each and every step, were easy to reach when we had a concern and showed some great problem-solving skills when we hit a snag, because as a small business owner, mortgage/refi lenders are just mean, cruel and nasty. Special thanks to Donna Marie and Hillary. Brian, you've got one heck of team! Thanks so much for the great rate, fantastic service and saving us so much money! It is very much appreciated. -Joe and Lisa N. Orlando

Had the pleasure of working with Sherri Brown and her staff to finance our home. She is the most…read morethorough and precise manager ever. She assured we were prepared for any questions that might have arisen from the process. Her attention to detail exceeded all expectations. When the time came for closing it was extremely smooth and worry free. She is personable and very professional. She is easy to contact and took the time to answer all our questions. Highly recommend if you need someone to help you through the process of a home loan.

Saved my loan from a horrific bank and closed me in one week. They saved my escrow deposit that the…read moresellers were threatening to keep and most importantly help me close on my dream home

I would go into a long review but not enough space. They claim on closing within 21 days, lies…read more they get lenders who do not know what they are doing. They claim to help veterans and they don't. After frustrations there was no compensation to make me whole. Whether your a veteran or a regular Joe I advised to stay away from them. If I can give a negative star I would.

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

Selecting Envoy was a great decision. My son, a first time buyer, was assisted by Linda and her…read moreteam. She was nothing less than top-notch professional. She not only made the process quick and easy, she knew all the answers and even offered more information and options than we ask about. She responded very quickly and always followed up, I'm a little convinced she's super human. :) You will not regret using Envoy.

The absolute worst experience EVER IN MY LIFE. We began our Mortage process with Peggy Cohen who…read moretalks up a good game - but, when it came down to the nitty gritty she dropped the ball several times. Resulting in having to push the original closing date (we later found to be unnecessary, but was done), costing us about $1500 (we later found out was unnecessary). In addition, we lost out on $7500 of free money toward closing because she insisted we wouldn't qualify for any assistance... we later found out, by her boss, Anthony, that we did qualify. However, we would need to push the closing (that the sellers wouldn't approve) out another 30-45 days. We dropped Peggy and continued our process with Anthony. Who promised to reimburse us a portion of Envoy's fees because of all that had transpired. All but $300 was reimbursed at closing. This portion was promised to be given to us at closing in the form of a gift card. It took TWO months to get. It likely would've taken longer or would never have gotten to us if we weren't persistent. We had to follow up weekly just to get it. Anthony, made it clear he was bothered by our follow-ups. He told us he was "sick of hearing about it already". To be honest, we shouldn't have had to chase what was promised. Follow ups should've been completed by their team to us. We ended up going directly to his boss who was able to get us the gift cards a week and a half later. For first time home buyers, worse experience! They don't follow up, they don't return calls in timely manner (be prepared to call or text over and over and over). AVOID working with Peggy Cohen. We have yet to even receive a congratulations or apology from her or Anthony. Honestly, that would've been enough. A sincere apology for lack of professionalism! I would never recommend Envoy.