Citizens. Easy to work with, almost competitive, but worth the difference. They close on time, usually lower closing costs, no prepayment fees, very accommodating with last minute screw ups. I have 3 mortgages with them and all have gone like a well oiled clock. I have done partial pay offs, modify terms, adjust schedules, change closings, and all worked flawlessly.
I always found a lower rate, usually 1/4 %, but would still go back and use them again. They are worth the difference.
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Life is to short to drink cheap wine.
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