[l2ridehd]

I just did one home, and went with Citizens. Checked a few others and the rates were the same and the closing costs very close. I went from a 30 year to a 15 year, dropped the rate and only slightly increased the payment. As my objective was to speed up the payoff, I opted to pay the closing cost vs roll them into the loan. I find Citizens easy to work with, limited documentation, close on time, and in line with cost and interest rates. There closing cost projection was higher then what the final cost turned out to be. And because it is a refinance, they show you the new escrow amount as part of the closing cost, but remember once the old loan is closed, you will have about the same amount refunded from the old loan.