We bought about 11 years ago. Thought I could get a good loan in Massachusetts for The Villages. Was used to loans needing a review usually taking a week or more. Did not work .Called The Villages. When I applied at First Citizens over the phone, I asked how long it would take to get the answer. I was told that it would take a while. I was approved 4 hours later. I am guessing if your record is good, it will be simple. Would not hurt to get it up front.
When we bought, we found that the process was simple compared to elsewhere. On new house even the price negotiation was simple. No negotiation was required. The price was the price.
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