We also live far away from Florida and just purchased a house in The Villages. Our realtor also suggested Citizens Bank, which we did use. They were very helpful. We closed online. Their rates were very competitive. However, when we were about to purchase a golf cart using manufacturing financing we were turned down. The bank had listed our house payment as $30,455 PER MONTH! They apologized and corrected the error. But we would not have known about it if we hadn’t wanted to finance the golf cart. This error showed up on both our credit ratings. Just a FYI to check your credit ratings.
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