My Fiance' and I were looking for a home to rent, when we came across a beautiful home that was available to rent/purchase and was in our price range, so when we went to check out house owner told us he had seen a commercial for TopDot and had written down the number and suggested we give them a call it was this Lender that was practically giving away FHA loans. On Monday I called TopDot to inquire about there company when a gentlemen answered the phone and didn't have much information on the company he himself was working for and was only interested in having our names and social to see if we were able to qualify for a loan, anxious to get out of our current situation at home I gave him my Fiance's as well as my fiancial information along with our socials, the man let me know that we would recieve a letter in the mail within 3-5 days letting us know the results of our application. On Tuesday we decided to give TopDot a call just to check on the process when the loan officer we had spoken to never returned our previous calls by the name of Moel, so I spoke to another officer and he told me our credit was just not high enough and we didn't have any current credit building and that we were making bills on, well I found this a little unsettling because my Fiance has a loan through our bank that we make monthly payments on and have never had a late payment, also this loan office told me my Fiance had 2 judments in his name in Chesterfield County, which I knew couldn't be. The next day i get on the phone with the Courthouse which the judgements were a mistake and I got information proving that there was a name mistake, I also called our bank and I was told that they did report this loan to the credit burea but only to Equifax, so from there I call TopDot when i come to find out the loan officer i had given our information to Moel had been fired and our case was turned over to his manager David so i speak with him and he assures me everything will be fine and this loan will go through, I submit the information from the judgements and get that taken care of and let "David" know that our truck loan only reports to Equifax he assures me that they only check 2 of the 3 companies but for me he will run Equifax so we are able to get this loan. David tells me he will run the credit through Equifax and give me a call as soon as he knows something, later that day 3 hours has past by i call David back he tells me he has been busy and will call me tomorrow. I never receive a call Thursday, i call myself 2 times and get only a answering machine and they have this so called policy where no one else in the company is allowed to discuss your loan information except for your loan officer, so i wait for 2 days. I call back friday with nothing but a answering machine. So Monday is here I call again...and again...no answer so i start to wonder was David fired as well??? Today is Tuesday i call and actually get a answer and try to be nice and catch david up from last week...as i would say refresh his memory and thank goodness i did because he didn't recall anything that we has spoken about he explained to me that we didn't have a high enough credit score and he chose the middle number but i guess he had forgotten that he told me last week they only checked 2 of 3 credit companys and you as well as everyone knows you can't get a middle number out of 3. So i have washed my hands with this so called mortgage company. I know this is a long story, but people need to know rather you are trying to purchase or refiance i have been in the mortgage business myself for 4 yrs i have not been a loan officer only worked behind closed doors with appraisals & title companys but i let myself fall for this so called business and i want to give everyone reading this a heads up...don't fall for it they key work with this company is SCAM!!!