We did the same as Brendannyc with Citizens First mortgage as we are holding our house at the Jersey Shore for now. We closed in about 27 days and got a 3.75 rate for 15 year but not as good a deal as Community's with the closing costs waived. However, we knew of no other bank around that would re-ammortize the loan with additional lump sums without having to refinance. Citizens First Mortgage is outstanding with Customer Service also. VillagesThinker thanks for sharing about Community Bank!
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