We just recently used BOA (US Trust) and they bent over backwards to meet all needs. Their rate was .25 lower than Citizens and the fees were less. Citizens also has a debt to income ratio and required me to take an $8,000/month IRA distribution to meet the ratio since we do not have any income at this moment. BOA has no such requirement. We ducked the scare tactics to use Citizens and are grateful to BOA.
|