I walked in to Citizen's in Sumter Landing on Monday and met Bob Cree, one of their loan officers. We had previously traded emails. About a month ago, he pre-approved me and quoted me a rate of 5.375%. However, they base their rates on the bond market which fluctuates daily and on Monday he was able to lock me in at 4.875% with 0 points. To top it off, I found their closing costs to be very reasonable. Also, I'm closing on 10/30 - by mail - which will make the move so much easier. I hope this helps.
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