Quote:
Originally Posted by Orps1
Has a anyone secured a mortgage with citizens first in the most recent past? What were the fixed rates?
Your comments on the mortgage process . How was your experience with their process.
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I just locked in a rate with Citizens First about 10 days ago. C.F. advised me not to wait any longer because of the financial situation with our government. My rate is in the 4.8% range. Citizens First has been WONDERFUL to deal with. My problem was all the hoops I had to jump thru because of all the government regulations. Mortgage lending went from one extreme to the other. My credit rating was next to perfect. I could be Donald Trump and because my "only source of monthly income is Social Security", I had to PROVE I wasn't going to throw my money away. It was a nightmare....reams of paperwork. This is the 5th time I've obtained a mortgage and I'm certainly more comfortable financially than previous times........but due to government regs, it was the most difficult and painstaking process. And yes, I know, it's because of all the disastrous mortgage give-outs to people who should have never been given a mortgage to begin with. Like I said......one extreme to the other.
It's done...locked up...and I am a happy camper.....and looking forward to my closing the end of this month.
Yes, I have been very happy with Citizen's First.