Hi Roaddog,
Do you have enough of a time window to schedule a closing with a competitive lender for earlier than TV's required closing date? That would give you some margin of error in case something happened to cause a day or two delay.
Look at it this way too. If the penalty for not closing on time is less than the premium you would pay via higher interest by using Citizen's, then you are better off taking the risk anyway. In other words, if you close on time, no penalty and a lower interest rate. If you don't, the penalty is still cheaper than the higher interest rate with Citizens would have cost you.
Best wishes. Please let us know what you decide and how it works out.
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