We used BOA on our first house in a TV. We closed 13 hours late. Not our fault, there was a computer issue at TV. We were charged $495 for closing late. Our bank picked up the tab. Citizens always closes in 30 days. That's why they want you to use the. Higher interest, more closing cost. I am surprised citizens said they could not close on time
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Do not worry about things you can not change 
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