Quote:
Originally Posted by tainsley
we went to citizens july 6 closed on august 3. We called our bank with who we always had our mortgages with but they said they could not guarantee a closing in thirty days. We locked in on 4.75 a week later about the same rate as nfcu. We were happy. We actually had to return to va july31. Had our walk through and signed all papers before we left. All went smoothly...no complaints. Everyone we dealt with at citizens was professional and helpful.
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i would not wait too long wherever you decide to go rates had an unexpected drop a week or so ago and 30yrs were in the 4.375-4.500 range without points on 30years. We refinanced over a year ago and got 4.750% with citizens and everything went quickly and smoothly. I probably could have gotten it a little lower on the internet but i had a bad experience with one of those companies trying to raise the rate they committed to and the fees we agreed on.they wasted a lot of my time so when they broke their word i saw that all the time they put into my mortgage was wasted too. I guess i wasted an appraisal fee but i felt much more comfortable with citizens. All i can say is do your research but do not waste a lot of time. It may be a very long time before we see such low interest rates again.