[nanci2539]

We met with them yesterday. Closing at the end of Sept and the mortgage officer told us we have plenty of time. We are going to meet with him again after Labor Day.

The interest rate, yesterday was at 6.875 and there are closing fees involved. Half of the fees are mandated by the state of FL so regardless of who you use, these fees are payable by the borrower

Citizen's is the easiest way to go. Although their interest rate is higher than other banks/mortgage companies, their customer service is good and very accomodating.

If you get hung up with another mortgage company and not able to close on your date, you'll be fined $250 per day.

As I understand it; the inspection process is what holds you up when you use outside banks. In many cases, the inspector doesn't allow enough time.

We're still going to look outsdie TV and compare rates but will probably end up at Citizen's because it's an easier route.