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 Posted: Sun Jul 20, 2008 9:13 am Subject: topdot.com |
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has anyone heard of topdot, the mortgage lender advertised on television. we want to refinance our home but our credit score is not good mostly due to late payment on the mortgage. any help will be appreciated.
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granny
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| Posted: Sun Jul 20, 2008 6:33 pm Subject: |
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I have only seen the advertisement on tv and was wondering the same thing. Hopefully someone will come along that has had experience with them to let us know.
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ladybug
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| Posted: Sun Jul 20, 2008 6:43 pm Subject: |
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I think it should be a rule of thumb that most of the things advertised on TV is out to get your money. Check with family and friends, at work, internet research or your local BBB to get the right loan company for you.
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Lukeskywalker
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| Posted: Sun Jul 27, 2008 8:21 am Subject: Possibly |
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If it sounds to good to be true, it probably is.
This just reeks of scam. The underhanded "NEWS ALERT" just screams scam.
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proppagandhi
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| Posted: Tue Aug 26, 2008 9:05 pm Subject: topdot |
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just saw the tv scam, they make it look like its an official press release and its like some top priority news break, right there you can tell its a scam from the get go. its like everything that has to do with banking they are in it to make money. the federal government is suppose to control this crap but then again this crap probably has to do with the government in some way. like the previous comments shop around, get the final costs for all loans and any hidden up front fees in writing. get a lawyer to look into it to if your not sure. if your uncomfortable about anything then dont do it
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daddio
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| Posted: Tue Sep 02, 2008 12:10 pm Subject: Fast Talking NY'ers |
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This guy talks way fast, however they charge a .01 loan origination fee, or $4k in my situation - they also talk about other fees. One of the GREAT elements of these guys, is to say - Don't pay your next mortgage - you wont need to, then they stretch you out to the end of the month, and provide docs at closing that have fees and numbers you never heard of - which of course is all in their pocket - so... My opinion is, tere are a LOT of refinance opportunities out there for $0 origination Fee, and paid for appraisals.
Does not sound so good.
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dharriscom
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| Posted: Sat Sep 06, 2008 4:10 pm Subject: Hoping it's legit... |
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I don't have any definite info on this company at the moment, but I just have to say, I hope it is legitimate!! One of my bestfriends just told me she is trying for a mortgage through Topdot, and that they recommended a company (can't remember the name, unfortunately) to help get her credit on track. They asked for $300 upfont for the service, but aggreed to accept $150 now, and $150 later. I'm just looking into all this for her, worried, hoping it's a good company...
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Sasha276
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| Posted: Sat Sep 06, 2008 4:10 pm Subject: Hoping it's legit... |
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I don't have any definite info on this company at the moment, but I just have to say, I hope it is legitimate!! One of my bestfriends just told me she is trying for a mortgage through Topdot, and that they recommended a company (can't remember the name, unfortunately) to help get her credit on track. They asked for $300 upfont for the service, but aggreed to accept $150 now, and $150 later. I'm just looking into all this for her, worried, hoping it's a good company...
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SashainVirginia
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| Posted: Thu Sep 11, 2008 12:17 pm Subject: TopDot TV Commercial |
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Simply put, this is a scam. Sad to say, but on 9/11, my husband and I became victims of this company. I did what I normally would never do - ignored my gut feelings. Please do not get taken advantage of.
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Dooped
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| Posted: Mon Sep 15, 2008 7:30 pm Subject: I worked for them four months. |
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They do not close anything. They even screw there employees.., so why not you too. Awful company stay far away from these jokers. Nothing to offer.
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olddog
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| Posted: Tue Sep 16, 2008 3:49 pm Subject: |
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I too was going to refinance with top dot and something just told me it was not right. However, having heard it on a christian station I decided to at least give it the BOD to research thanks for the information listed.
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| Posted: Tue Sep 16, 2008 3:50 pm Subject: |
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I too was going to refinance with top dot and something just told me it was not right. However, having heard it on a christian station I decided to at least give it the BOD to research thanks for the information listed.
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| Posted: Tue Oct 07, 2008 3:26 pm Subject: Topdot did great. |
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I'm sorry to hear from you guys but Topdot delivered through and through when other banks did not.
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Justfine
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| Posted: Wed Oct 08, 2008 8:17 pm Subject: TOPDOT |
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Do not believe anything anyone has typed on this page. Sure, I was skeptical too after seeing what looked like an official government notice. I needed to refinance took it one step further and while in NY I stopped in a their headquarters. It was one of the most well run and organized companies I have every seen. I was greeted by a friendly staff. Spoke face to face with my Loan Officer and closed in 8 days. Not even close to a scam. I do not understand how folks can pass judgement without any first hand experience. I have referred my friends and family to Topdot. I have refinanced 3 times in the past 12 years and I can say they are truly one of the greatest mortgage companies I have ever dealt with. Their commercial may seem misleading, but how else are they going to get us poor saps stuck in adjustable rate loans to get off our a$$ and respond - THANKS TOPDOT!
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Lenny from MA
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| Posted: Thu Oct 09, 2008 11:42 pm Subject: |
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its a scam company. if you can get financed by them you can get financed by someone else cheaper. i bet the people that responded above work for the company. also the debt company they refer you to is one they have a financial interest in
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geo
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| Posted: Tue Nov 04, 2008 9:50 am Subject: topdot scam |
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to many fees other companys were able to get my loan for much less
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russ
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