I too recommend using Citizens First if it's a new home. Their rates were competitive and/but as already stated, some of their fees (mortgage insurance) were a bit high. But they understand The Villages (since they are part of it) and can close on time and with penalty. Also, they have a little deal that you can make lump sum payments later and for a small fee, $175 as I recall, they will refigure the payment over the remaining life of the loan.
I recently got a small mortgage (LTV of 28%) from a local bank in VA which took 8 weeks because "I don't have income" (read RETIRED). A true joke.
For peace of mind on a new purchase, just use Citizens First.
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