We used Citizens First and were very happy with the process.
One thing to consider lately is estimated time to closing. Once we owned the home we attempted to get HELOC from a credit union and then found out it would take 75-90 days to get to closing. We contacted Citizens First and were told it would take only two to four weeks there. I have no idea if initial mortgages are also taking a long time at credit unions but it might be a good idea to ask.
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