I am trying to refianance my home mortgage to reduce the 10% interest rate it is currently at. Would like to reduce to 5 or 5.5% fixec rate. Top Dot Mortgage, has said they can for the rate I am looking for. I have never heard of them and I am somewhat cautious of using them for refianancing. HELP. :confused:

I can't vouch for Top Dot, don't know them. They do, however, have a lot of websites and if you Google their name you will find out all about them. I do agree with you, it would be great to have a first hand recommendation of how they operate.