[mac9]

When we were purchasing our home, we met with a rep from Citizens who gave us a mortgage rate, totally non-negotiable even when I told them our credit ratings. I went to Wachovia with whom I had prior dealings and was told that the rate they were offering was comparable to Citizens, but that, after a credit rating check, we would be offered an appropriate rate. Citizens would not consider any other rate. We finally went with Wachovia who beat Citizens by 1.30%! I would definitely look around before going with Citizens.