We bought our house with a discount through Citizens under the 30 day requirement, however, that was 2 years ago. Recently, I went for a home equity loan, and Citizens Bank (I am a customer), Chase Bank (I am a customer), and one other bank (not a customer), all stated 45 days, and interest rates of over 5%. Then I tried Community Bank, WOW, 3.75% interest rate, and closed in right around 2 weeks, which allowed the construction of the addition to proceed on schedule.
My advice, have your friends call Community Bank and trust and see what they can do.
Hope this helps.
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Pennsylvania, for 60+ years, most recently, Allentown, now TV. 
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