I just closed on my house on July 7th. I did not use Citizens because their rate was much higher on a 30 yr mortgage and they had a higher fee for the loan. I gave them every chance to match the rates of the company I went with but they turned me down without even looking at the proposal.
I went with ERA and had no problems. They met the closing date even when I asked to move it up a day. The previous poster was right that The Villages will penalize you if you do not make the closing date. Be very careful about that.
My rate was 4.55% btw. I was very happy with that.
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