We used Citizen's and they could not have been better. We were referred by some villagers to Anthony, who was WONDERFUL. He was patient, answered all our questions and made the process as simple as a mortgage process could be. ASK for Anthony if you go through CFM. It is nice to have your mortgage there in TV..it stays there and they are never sold off. If there is a problem you can go the source in a matter of minutes. We really did not have any problems other then the stress I imposed on myself about it.
What we really liked about the loan, although we did not know about it at the time, was that if you are ever in the position of being able to put $10,000 or more towards the loan, for a $175 fee, they will apply the sum to the balance of the loan with the same terms and same interest rate. NO refinancing fee. When our house sells we will be putting a chunk into the loan. There is something nice about a low mortgage payment, or no payment. We will see what the future brings. If the house does not sell, we will rent it and the rent will pay the mortgage. So, its all good.
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