We closed in March, 2014 - used Citizens - interest rate was at least competitive, title insurance seemed high, BUT it was an easy, smooth process.
Comparatively, I recently needed a chunk of money to do finish investment project, LTV less that 30%. Went to local (previously really easy) bank and also checked others out. Since we are retired and have no pensions ("no income") and are living off SS and retirement accounts, it was a NIGHTMARE. I quickly learned that assets are hardly considered by most banks, since their "not really income".
With that said, if I ever need another mortgage in TV, I would only use Citizens since they understand "retired". As previously stated, easy, smooth without the usual last minute surprise of "oh, we need one more thing".
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