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. Even the Notary that came to my house to close, was astonished by the high closing costs and couldn't explain why, but I had no choice at that point as I got fired from my job of 9 yrs due to my inability to focus on work as during the 3 incredibly frustrating months, I almost had a heart attack, my blood pressure went to 195 over 117 and still on blood pressure medicine. I was fired one week before closing in May of 2009 and warned my broker that I was going to get fired because of this situation they put me in. I was told don't tell them what they don't want to hear!!! Also my original credit score was very good and by the time I closed it dropped over 100 points, they said they would keep sending in my original score instead of my current score?
Then after 6 months or so of looking for a job while on unemployment I racked up my credit cards and personal line of credit to the max to make my payments. I called my broker John Detulio not sure of last name. And told him about my job loss and need to do a loan modification. He though he put me on hold, but didn't. I heard him talk to his boss about this and heard his boss say " give him the number for loss mitigation and well sell the loan out from under him. Sure enough as I was working with their loss mitigation department I received notice from Loan Care that they are taking over my loan. The nightmares continue with them as they have given me seven different stories about a loan modification and now 5 month behind they said they are foreclosing on me.
Is there any HELP for me? PLEASE someone contact mike at [email protected] or call 479-640-7770.
I have now used all of my unemployment and can't keep the lights and water on to sell it.
Thanks
Mike

I submitted an application for a refinance using Lending Tree.com. Right after I hit the 'submit' button, I was flooded with calls. With each call I received, I noted who was calling, from what institution & told them I'd call them back. When I hung up, I checked for reviews & complaints before I made any calls back (this is my mortgage I'm talking about here & a lot of money that I'm NOT going to trust to just anyone). <br />
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Anyway, after 3 days, I continue to receive calls from 516-222-9449, who initially I thought was a different fraudulent lender that's been calling. As I've already chosen a lender to go with, I decided I'd finally answer the call & let whoever it was know to stop calling.<br />
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It was "Josh" from TopDot lending. He said he'd gotten my info from Lending Tree. I said that I'd actually already gone with a different lender & thanked him for his time. He immediately said "excuse me? why would you do that?". Floored that I'm about to get argued with by someone trying to GET MY BUSINESS...I said that I'd researched the companies I'd heard from & decided to go with the most reputable one. <br />
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He said that this is ridiculous & that he can't believe I'd choose a loan without hearing from everyone who had something to offer. I said again that reputation was key for me & I'd made my choice. He said that everyone's going to have complaints online...that's just what happens.<br />
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I stopped him & said that arguing with me certainly wasn't going to aid his cause & I disconnected the line.

Then I went online again just to start reading some of the NUMEROUS complaints about this company & THANK GOD I didn't use them!

I promptly called Lending Tree to report my concerns & contacted Equifax to also advise of the exchange, concerned that this horrible lender might do something to damage my credit given that they have access to it being a part of Lending Tree's 'network'.

Read the fine print folks & read the reviews & think good & hard before you go anywhere near this company

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 to close with Top Dot. The aftermath of working with them meant we had to call everyone they might have called and let them know they were not involved with our mortgages in any way - our home equity line of credit which had been permanently suspended b/c Top Dot called Key Bank and told them to freeze it, Allstate b/c Top Dot had told them they now were the note holder on our insurance policy for the house - it was a month or more of cleanup. They were dishonest from the get-go. They too said we needed to either close credit cards or pay off a credit card to make our credit score improve. We did, and they said it would be no big deal to come out of pocket with the cash b/c we'd get it back in closing - well will all their bogus fees they figured out how to keep any cash out. Terrible experience. Run from these people.

WHEN I FINANCED THROUGHT TOP DOT MORTGAGE I SIGNED A GOOD FAITH ESTIMATE. WHEN I WENT TO CLOSE THE FEES WERE ALMOST $10, 000 HIGHER THAN ON THE ESTIMATE . THEY WERE ALSO SUPPOSE TO PAY OFF CHRYSLER FINANCIAL AND THEY DID NOT. THEY PUSHED THE CLOSING BACK WHICH PUSHED ME UP AGAINST A WALL TO WHERE EVEN IF I HAD WANTED TO BACK OUT OF THE CLOSING I COULDN'T.

TOPDOT MORTGAGE HAS SINCE SOLD MY LOAN TO OPTION ONE MORTGAGE WHO SOLD IT TO GRP FINANCIAL SERVICES CORP WHO THE ONLY WAY THEY CAN COLLECT ON MY LOAN IS TO FORECLOSE.