I heard an ad on the radio and called immediately. The topdot commercial sounded too good to be true. I called and spoke to a Mortgage specialist but was hesitant to give all of my information. I wanted to do my own research on the company before I went furthur. For those of you that may have heard the same commercial about low fixed FHA rates, here is the information I found: In the United States there are a limited number of financial institutions and banks that are willing to take and able to meet loan requirements for today'... read full review »