You will do significantly better by using lenders other
than Citizens.
The lenders don't have to be local. Shop for the best rate you can get from any US lender from Anywhere, USA.....with the electronics and fax forms it does not matter where the money comes from.
And do not but Citizens or The Villages representatives about how much easier ti is with Citizens because they are so familiar with each other. True they are! False it is no easier than Brand X....go get the best rate.
BTK
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