[justjim]

Originally Posted by Mack184

While I doubt that this is the case with Citizen's (although it might be) most of the other area banks such as BB&T, Wells, Chase, B of A and so on almost always sell their mortgages to some other "service company" so even if you have obtained a mortgage from a bank with a local branch, it is quite likely that after the "sale" of the mortgage to you, it has been transferred out of their hands, even though you might still make your payment in the name of the bank where you signed your papers. So having a local "door" to go to may very well not get you the result that you seek.

Mack: You are correct many of these mortgages made by the branch banks you mentioned most likely were sold to other institutions. Some of this banks may not make loans for manufactured homes. I understand that Citizens does finance homes in the historical district and does hold the mortgage.