I would NEVER use Citizens....aren't they OWNED by The Villages?
When I bought down here a year ago--I started with Citizens--because that is who your realtor will ASSUME that you want to use. I did my homework, however--and it turned out that Citizens could NOT compete or come even close to what was being offered from a mortgage broker. When I told them what was being offered to me...one of the manager's at Citizens asked me to fax over my good faith estimate--to see if there were any "loopholes" in it. There were none--and they said that they could not compete. I am talking about at least two percentage points---which is NOT peanuts.
My closing went very smoothly---even though I did not use Citizens.
Lynn