I am a former employee, and glad to see that there are others bringing Tom Brook and Alyssa Heitman's fraudulent actions into light. From my experience, Tom and Alyssa POCKET the retainer fees, promising loan after loan after loan, but with NO results. When questioned about closing dates, clients were told time after time that they needed to submit more and more irrelevant paperwork... Months AFTER the first promised closing date. If you can't get them a loan, you need to say it to them upfront; just like every other LEGITIMATE bank... read full review »