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Originally Posted by Hope2bforever
My nephew used an outside mortgage company and had headache after headache. We used Citizens and everything was smooth. The second time we bought we needed to mortgage for 100% until we sold our other house. A couple months later it cost us $150 in closing costs to add proceeds of the sale to our mortgage and lower the payments. We were very happy with Citizens.
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I just did the same thing with my Citizen's mortgage. Really easy, although the fee to change was $175 now. Kept the same rate and term, just reduced the principle and payment. The process was easy and helped me quite a bit.