I just want everyone to know that American Standard Online is scam. The owner Susan Quinn is the same owner as Anchor House Financial. About 3 months ago I responded to an ad on craigslist. The ad said if I have a job I qualify.No credit check and dowpayment required.When i called the operator he told me the exact same thing but then he told me that I had to pay $199.00 upfront for a title search to make sure when I move into the home I would be free any back payments. When I asked him when I would be billed he responded "only when you get into the house." With all the confidence in the world I gave him my credit card and he billed it immediately without my consent. I called back the customer service number 4 times and they kept on hanging up on me . They never gave me my money so I had to call my credit card company to resolve the issue. They changed the name of the company do disguise themselves. I already made a complaint with the Federal Trade Commission and I also wrote to the California Attorney General. Don't make the mistake that I made by giving them your money. They claim to be a title company, but they are not even licenced to that. These people are some big time thieves.