We are working with Citizen's First. Our villages sales person had a loan officer contact us. The loan officer took all our info over the phone and immediately emailed us a preapproval certificate. They also email you a list of documents you need to provide (basically proof of everything you told them on the phone interview). They also emailed a document w/expected closing costs. We have been told our loan is approved (with 20% down) as long as the information we provided is verified by our documentation.
The rates are competitive, and like most mortgage companies, the best rates are based on your credit rating.
I also think Citizen's works so closely w/the villages there shouldn't be a problem w/ the closing date. The villages documentation even advises if you use a different lender, you need to make sure they will meet your closing date.
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 Village of Tamarind Grove
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