I own two homes there and have done one refi. I shopped for rates with several banks. Found that Suntrust and BB&T had 1/4 point better then Citizens. However I also found Citizens had a few other advantages that made the quarter % not an issue. They are very efficient as mentioned. The free checking, the ATM's at every postal center, and the many local offices made the difference. So check with others, but look at the total package.
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Life is to short to drink cheap wine.
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