Citizens does not always have the best rate. When we bought 2 years ago, they were at 6.35% which seemed high to me. We went to our regular bank and got 4.97%. It does pay to shop particularly if you have a 790 or higher credit rating. Citizens is just convenient and the sales department will remind you of stiff penalties if you don't settle on the exact date,thus trying to push Citizens. Just let your bank know that the settlement date is non-negotiable and they will work with you.
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New Jersey, TV
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