[bamafan]

Bella, We just finished closing a mortgage with Citizens First. I had them give me a good faith estimate of closing costs based on a mortgage. I then checked with several other banks ie: Regions I found that Citizens was less. I am sure that if you shop you can probably beat their rates, but by how much. Everything went so smooth. We closed by mail and I did not get any surprises. The costs were $139. more than quoted and that was because of some cdd fees. Would I go with Citizens First again Yes as long as the mortgage rate is competitive. Call them get preapproved for x amount and they will give you a good faith estimate.