The closing process by mail is relatively convenient, but not without problems if you are working with Citizens First. When we bought during the 2004 boom, Citizens personnel got mixed up and missed the closing date. It cost us several thousand dollars. I won't comment on how I resolved that .
Then, silly me, I refinanced through them last month. I had to make numerous calls before they corrected two fees on my good faith estimate. I am convinced, especially with the issue of title insurance, I would have been charged up to $700 more than required for this fee had I not researched the matter carefully and continued to talk to Citizens and McLin Burnsed staff until they got it right.
Yes the process might look easy, but be very careful about what you are paying.
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