I had almost given up when I saw the TV advertisement for Topdot. I called and spoke with Joel Borgella. I have to admit I was skeptical that the refinance would go through up until I put pen to paper. Joel kept saying it would go through, but my cynicism told me "yeah, that's what all the rest said too." Joel stuck to his word, worked with me every step of the way, called me and was available each time I called him. He worked late nights and even this cynic began to believe that this man might actually be able to help me. My sole goal was to get out of the ARM disaster I was in and get into a 30 year fixed loan.

I'm happy to say Joel made it happen, along with the staff of Topdot, but Joel was one of the most professional, congenial, informative, intuitive and encouraging individuals I have had the pleasure to work with - and I have been in Customer Service for years. Not only will I refer any and everyone I know to Topdot, but I will make sure they work with Joel. I can't say enough about his work ethic and demeanor and I am thrilled to say he helped me out of an impossible situation and I am so grateful and happy. Thanks Joel and thanks Topdot."

Nancy Caruso, NY
"I highly recommend Annie Esposito and Topdot Mortgage. They are professional, returned all my phone calls in a timely fashion, always responded to any questions I had about obtaining a mortgage. Annie's skills as a mortgage specialist are an excellent asset to Topdot Mortgage. If looking for a new mortgage or a refinance, I would definitely recommend Annie Esposito and Topdot Mortgage.

Robert Baber, NC
"I can not thank you, Cory Sykes, enough for your genuine concern and go-getter attitude involving my mortgage refinance. You have single handedly restored my faith in the mortgage industry. You and Topdot are a genuinely unique breath of fresh air! My family and I will never be able to thank you enough."

Kenneth Blanchett, MA
"I, like many people in this country, got myself caught up in an adjustable rate mortgage NIGHTMARE!! Sure the rate was low for a few years... but then it started to reset every six months, and when the housing market started to boom several years back, so did my mortgage costs. It didn’t take long to start falling behind on other bills because more and more of my income had to be diverted to my mortgage lender. My credit took a nose dive as I began to slide further and further into a credit crisis and creditors moved me from current into collections status. I struggled for years and was quickly coming to my last resort conclusion that I would have to sell my home in less than favorable conditions. I could no longer see my home as an asset because of my ARM nightmare. My American dream of owning my own home was starting to slip from my grasp. By this point, I was not even considering a refinance because my credit score was so low that I didn’t think anyone would even talk to me. I had to face the facts that I would soon be a renter once again.

My first impression of "Alex" right from the start was that she was very eager to help me find the best mortgage product and solution to my situation. After my first conversation with her, my attitude and my outlook went from being reluctant, bleak and doubtful to an attitude of hope and confidence that there was a way out of my situation. We started communicating over the phone and via E-mail daily. I was always quick to respond to her requests for various documentation, and she was always quick to respond to my questions and concerns. Alex’s' can do attitude and her uplifting personality and customer service skills made me feel relaxed, confident, and excited that my situation was gaining momentum and was quickly changing for the better, and when I say quickly, I mean QUICKLY!! From my first call, to final closing with "check-in-hand" the process took less than 3 weeks.

Even with my low credit score and a handful of credit accounts either delinquent, charged off, or in collections, Alex was able to provide me with a fixed rate mortgage at 6.5% for 30 years. 6.5 % !!!! WOW. My ARM mortgage at one point was as high as 11.125%. SHE CUT MY RATE ALMOST IN HALF!! Never in my wildest dreams would I have thought that was even possible. Just when I thought that things couldn’t possibly get any better, I was proven wrong. As Alex and I worked through the mortgage process, Alex helped me use the equity in my home to clean up ALL the bad dings on my credit report, AND she saved me TWO MONTHS mortgage payments!! That two month savings has now become my emergency cushion, tucked away in a savings account for unforeseen or unexpected expenses.

I have never written a testimonial in my life but I could not just sit here and do nothing. I feel compelled to spread the word about my experience with Topdot Mortgage and with Alex. IF THEY COULD HELP ME.... THEY MOST CERTAINLY CAN HELP YOU!! TopDot Mortgage and Alexandra Gonzalez have provided me with TOP NOTCH service and have changed my life. I will forever be grateful for all that they have done. They cleaned up my credit and saved my home!! My only regret is that I struggled for several years with a bad mortgage because I hadn’t heard of TopDot and that is why I am writing this message, so that you may read of my exemplary experience with Topdot and you will call them immediately if you are struggling and feel that you have no way out. I'm sure you are familiar with that age old saying; "If there's a will, there's a way". well I'm here to tell you that if you have the will... Topdot can show you the way!"


Roy H., Raeford, NC
"I recently needed to refinance my home and spoke to Joe Traub among other people about this. Joe told me something that no one else could... he said that he could help. He asked me to stop worrying with the other companies and I did and Topdot took care of everything for me. I felt as though I had a friend in Joe and he proved me right. I received my loan and fast! I could not have had a better person helping me along the way. Thanks to Joe and Topdot!"


Donna Fisette, Litchfield, NH
"I would like to take the time and thank Anne for a great job she did with refinancing my mortgage at a great rate, despite the obstacles we had to overcome. She was very professional and dedicated to getting me the right information I needed to submit to her to get my mortgage done fast and complete in one shot. I would highly recommend this company and Anne to anybody that asks me. Anne was patient with me, even though I had my doubts that I would ever be able to get through this. Once again I thank Anne and Topdot from the bottom of my heart.


Frankie R. Albrightsville, PA
"I just wanted to thank Kim and Topdot for making my wishes come true. I wanted my home refinanced so I can payoff certain things and fix my home a bit. I went through 2 other companies but I spoke to Kim also. When I decided to go with this other company I told Kim and she said "ok just make sure you get want you want and if I had any questions call her" so I proceeded with this other company and at the very end, I looked at what the company was offering me and it was not what we originally discussed. I was very upset and I called Kim, she went threw all my stuff and as were going an issue would come up and she'd say "relax I'll take care of it" and it was taken care, she's amazing, so we kept going and the news kept getting better and better.  Mind you, I still was not convinced this would happen, so she kept taking care of one issue after another and she would let me know EVERY single thing and every step she took.  FINALLY she calls me and says "you want the good news or the great news?” it was approved I felt so happy.  I can't thank Kim and Topdot enough for making this dream come true. Kim is an excellent mortgage manager and Topdot has one of the best in their field she's amazing, so I just want to say THANK YOU Topdot and especially thank you Kim for making my wish come true. God bless you all."


Taiwo O. Jamaica, NY
"I would have sent this mail over a week ago, but I was still pinching myself to be sure that what happened is a reality and not a dream.  I have done a few refinancing in my time and I have also seen other people, friends and relatives refinance in the past. Nobody has performed as excellently as Mr. Thiago Lezcano of Topdot Mortgage has done for me or any other person that I know.  He painstakingly endured all obstacles to ensure that the loan went through. Even when I had given up hope, he never did untill the end. I am using this mail to express my sincere gratitude to him and your company for coming to aid of my family and myself during a very precarious moment in our lives. We are most grateful. It is my prayer and hope that all employees in your company will emulate the good works of Mr. Thiago Lezcano."


Kim W., Denver, CO
"I was about to have my mortgage rate go up... way up. I had an Adjustible Rate Mortgage. I had contacted all the letters received from various lenders (five or six of them) indicating they could do this and that. I was at my wits end. I went on line and there was an e-mail asking if I want to lower monthly payments and/or current interest rate, better my credit, refinance to a fixed rate. I took a chance and applied.

The next morning, I received a call from a wonderful lady, Norma Limbas. She explained, who she was, where she was calling from, the name of the company, Topdot, and all that she can do for me. I was a little reluctant, because of my past experiences. I said to myself, take the chance and see what happens. This wonderful Lady went out of her way in helping me. She kept me abreast of everything going, what was needed from me to make this possible. Now I have a 30 year fixed rate!!! God bless Norma Limbas and the people of Topdot for their help in getting me the help I needed. Topdot... you are the best! Thank you Norma Limbas, I will definitely refer anyone who needs the help you can provide. Happy New Year to all, you have made my new year!"


Lionel and Donyale, IL
"We are very happy with the services provided by Steve Merinian and Topdot. At the end of '07 we were looking to refinance our home, so we began shopping around. Steve was on it right away! We were a little surprised by his quick, informative and accurate response to our needs because usually mortgage companies act like working for their clients is a burden. Not Steve - he took the time to answer questions, educate us about the current market, and make us feel confident in the decisions we made. We had two basic goals for refinancing - lower our rate and pay off some debt. Steve and Topdot were able to help us achieve those goals exactly! We felt comfortable and would most certainly recommend his and Topdot's services to anyone who needs them."


Etta W., King George, VA
"I have been working with Topdot Mortgage Specialist David Allen for years. He has always come through for my family and I. I remember the first time I spoke with him over the phone I was afraid to give him my information. He said something to me that will always stick with me, 'I will be your mortgage banker for life,' and he as made a believer out of me. If there is anyone out there reading these stories call Topdot and ask for David Allen, he is a caring person and he will get the job done."


Gail G., Levittown, NY
"My husband, Dave and I needed to pay off some bills and update our home and thought about the company we used for our refinancing 3 years ago, Topdot Mortgage. Ira, our Mortage Specialist for the refinance actually called before we had the chance to reach out to him just to see how we were doing. As before, with our refinance process, everything was taken care of quicky and without stress. If we ever need assist with our finances that concern our home, we will call Topdot and Ira Englander for all our needs."


Kathleen Ann B., New Jersey
"I wanted to thank Topdot and Mortgage Specialist Chris Carey for the excellent handling of my refinance for my home. I had shopped around and was waiting to hear from many places. Chris made a concentrated effort to answer any questions and kept "on top" of the situation at hand, always following up with me, to keep me aware of what was happening with the processing of my mortgage. He was always "right up front" about the whole package I was getting and being a single parent, alone to handle it all, I cannot tell you how appreciative I am that I did not have to concern myself too much about the handling of this mortgage. I felt like I was the only person Chris was assisting although I know he must be juggling many clients at one time...and quite effectively and efficiently I am sure. I will most certainly recommend Chris to my associates and friends who might be interested in a mortgage. Thank you again for having such an outstanding individual handle your clients. You must be very proud to have such a dedicated individual."


George & Sue S., Georgia
"Thanks for all of your help guiding us through the refinance process.  It was truly a pleasure doing business with your company.  You took the time to make sure that everything was in order.  We were frankly surprised at the speed and service that you provided.  From the initial phone call to the present, you have truly demonstrated the motto of your company:  “Mortgage from a new perspective”. 

We look forward to doing business with you in the future should we ever need to refinance or purchase a new home.  We will gladly recommend Mortgage Specialist, Zachary Corley to friends and family looking to buy or refinance their homes."


Amy & Charlie C., New York
“We started working with Johnny Su in 2005. He is certainly by far the best mortgage banker we have worked with. He is professional, courteous, reliable, and very pleasant. He is the hardest working banker we know, because we can reach him at the office even in the late hours. He has helped us with the purchase of our home and refinances for our family members. We will continue to work with Johnny and certainly refer anyone we know that may need his service.”


Mr. & Mrs. Patrick S, New Jersey
“We would like to take the time to tell you how much we appreciate everything you, Thomas Tuminello, have done for us. With all of your hard work and dedication, you gave us what was needed to make our family and home better. From the first phone call to the present, you have been nothing but friendly and helpful. We appreciate the long hours and giving up your days off from work to assist us in our mortgage. We would like to let you know that we will deal with NO ONE ELSE but YOU when and if the time comes. We will continue to recommend you to friends and family looking to buy or refinance their homes. Best wishes.”


Mr. and Mrs. Jerry S. Prigg, Delaware
“We want to say thank you to Mr. Adam Perlstein for all you have done for our family. You have become like a brother and a good friend to us and we now know that we can count on you for all of our financial needs. Thank you for being honest, trustworthy, and patient. We are glad that you are extremely persistent and good at what you do. We have learned to trust and respect you and we have plans to continue to call on you whenever we make any financial plans in the future. You can count on us to tell all of our friends and family about your professional manner and how you are truly blessed to do what you do.”


Gloria and Michael M., New York
"25 years into our marriage, we never thought we'd be moving again. But we
made the decision to be closer to our grandkids--we have 4 of them!--so we
sold our beautiful house in Westchester and moved out to the island. Topdot
made everything so easy, and we were in our new home by Thanksgiving,
hosting the holiday and loving every minute of it. Thanks, Topdot!"


Maria Villaverde, New Jersey
"I can not thank Paul Bernstein enough for the professional, expedient way he handled my refinance. I have worked with many business associates but none have ever come close to his highly ethical standards. He's not only a gentleman, but a wonderful person as well. All the best to Topdot and their future endeavors.


Christina Leddin, New York
"I felt the need to write this letter on behalf of Matthew Brass to thank him for pretty much saving my family and I. My husband Ed and myself were on the verge of losing our home.

You are a god send and I thank you for your help as well as believing in me. Ed and I will be living here for years to come thanks to you, Matt!"


Dolores Davis, Virginia
"I would like to take a minute of your time to acknowledge the wonderful work Paul Bernstein has done on my behalf. Paul is a true professional. His expertise in the home loan area is unmatched by any other organization I have every worked with since 1986.

There was always a solution that occurred efficiently. I would recommend Paul and your organization to any person looking for home financing. You are truly blessed to have a man of this magnitude, who is so customer service oriented, working for your organization. Topdot is truly tops in my book."

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