We used Citizens First Wholesale Mortgage they were competitive when we were looking for a mortgage. If you use them the paperwork is all taken care of and is seamless. You just show up for settelment and sign on the dotted lines. When you put your downpayment on your new home, you are given a settelment date. If you can not settle on the date given you loose any discounts you were promised. The other mortgage companies could not guarantee they would make the date. Citizens First Wholesale Mortgage will make the date and you can settle by mail if needed. We have been here since June 18, 2009 and wish we were here years ago. Good Luck!
