If you're buying new construction, the advantage to Citizens First is they'll get it done timely so you don't have to worry about the penalty deadline clauses and they totally understand retired, not working income. We used them in 2015 and the were slightly more expensive, as I recall in their title insurance, but were the most no hassle mortgage I've ever done.
This year we refinanced using an internet company, which was a hassle like everyone else (except for the 2015 Citizens First).
FWIW
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