I found Top Dot through a web inquiry on current mortgage rates. Curtis White called me to discuss a possible refinance at 5.35%, he sent a Good Faith estimate, in the 90 days it took him to process our paperwork, someone at his company "unfortunately" forgot to lock the loan and now the rate was 5.85% and the Good Faith estimate was missing a few key figures. After 3 Good Faith estimates and two days before we were supposed to close, a new Good Faith was sent over and our $4300 in closing costs jumped to over $12, 000. We elected not... read full review »