Top Dot Mortgage almost killed me, got me fired and charged me double for closing and a half point higher and 3 month delay in closing, In Feb. 2009 I received a good faith estimate from top dot mortgage to do an equity refinance at 5% no closing points and 3 days to close. It took 3 months, 3 appraisals, and at closing my rate was not 5% but 5.5 % and they said they would pay me back for their mistakes making me pay for 3 appraisals. My closing costs for a $151k loan were close to $8-9k and was told they would be around $3, 500... read full review »