We used Citizens and it was seamless. We had the home and cell phone # for the person handeling our mortgage. I called him one night at 9:00 and he said he was putting the kids to bed could he call back. About 15 min. later he called and answered all my questions. He kept me up to date through the entire process. Called me when any step in the process was achived or any problem occured. I was very satisfied with Citizens.
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