Everyone's different. I hear many people go with Citizens because they think things will go more smoothly and they worry about time constraints. As I said, we went with a different company and had absolutely no issues at all, and saved that extra 1/2 percent. There is no way I'd be handing over an extra $10,000 over the life of a loan to a bank (and ultimately to the Morses) if I could help it.
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