We used Brenda at Citizens and had no problems. She was easy to deal with. We liked using Citizens because it was easy, fast one stop shopping. Yes, there is a 30 day close on new builds. At the time we bought, they were only .25% higher difference in interest rate which was not a deal for us. IMHO, you will find all sorts of horror stories about loans gone bad for other banks as well as Citizens. Please don't fret over the loan process, in the end, just go with your best judgment and you will be fine.
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