Citizens First vs Wells Fargo for mortgage loan

[Mincey596]

Has anyone gone through Wells Fargo for a mortgage loan to buy in TV and if so how was the experience.

Are there any benefit using Citizens First?


Thanks,
Leanne

[thelegges]

Has anyone gone through Wells Fargo for a mortgage loan to buy in TV and if so how was the experience.

Are there any benefit using Citizens First?


Thanks,
Leanne

Citizens on a new home will close you on time, so you will not incur late fees. But their closing fees were greater than our BOA

[JohnN]

Citizens is easy peezey, and that counts for something.
That said, I'd shop by cost, Wells Fargo is no fly-by-night

[Brwne]

Has anyone gone through Wells Fargo for a mortgage loan to buy in TV and if so how was the experience.

Are there any benefit using Citizens First?


Thanks,
Leanne

We used Citizens for the purchase financing because they know the area, understand the models and will concur with The Villages purchase prices. If you provide them the correct information immediately upon request, they will get you closed on time.

Wells Fargo has been our primary bank for 15 years and, over that time, have found them to be uncompetitive on everything except technology.

[My Daily Run]

Used Citizens First 10 years ago...refinancing right now and it is a walk in the park and less expensive because they are using the original survey and other things...got in touch with my insurance since I have Villages insurance and percent was the same as others...very happy and fast

[giorgio1948]

Citizens First...better customer service by far...would not trust Wells Fargo...did you checked out WF past legal issues?

[dewilson58]

Love WFargo. GREAT service for over 40 years.
BUT
Before you get tooooooooooooo far, ask if they will mortgage in The Villages.
At one time, their risk assessment model would not allow mortgages in a "age" community.
If you are strong enough, they will loan on your signature.

[charmed59]

Wells Fargo was able to fund my mortgage in less than a week to ensure we closed on time. I am a long term customer of Wells Fargo. We didn’t try citizen’s.

[petsetc]

If you're buying new construction, the advantage to Citizens First is they'll get it done timely so you don't have to worry about the penalty deadline clauses and they totally understand retired, not working income. We used them in 2015 and the were slightly more expensive, as I recall in their title insurance, but were the most no hassle mortgage I've ever done.

This year we refinanced using an internet company, which was a hassle like everyone else (except for the 2015 Citizens First).

FWIW

[bandsdavis]

If you are shopping, it's worth talking to BB&T, When we bought 8 years ago they were very easy and very competitive.

[Velvet]

Wells Fargo has such a bad reputation as a bank, that as far as I am conserved, it is a four letter word. I would stay away from them.

[Velvet]

Wells Fargo was able to fund my mortgage in less than a week to ensure we closed on time. I am a long term customer of Wells Fargo. We didn’t try citizen’s.

I hope you stay lucky with them. Seriously.

[dewilson58]

I hope you stay lucky with them. Seriously.
No luck needed.
WFargo is a great organization, just a few bad apples.
With +250,000 employees.......there will be a few.
(jus like The Villages with 150,000)


:ho:

[billethkid]

No luck needed.
WFargo is a great organization, just a few bad apples.
With +250,000 employees.......there will be a few.
(jus like The Villages with 150,000)


:ho:

Bee-eye-en-gee-oh!!!!
:)

[Mikef99]

I would shop by rate first if the difference is ok with you that you pay more with a financial carrier but you want to deal with them ok...., but they can sell the loan as a part of the business and if you pay a significant premium any company might be "nice" to you. These companies are in it to make money, they have to be, just be aware.