I agree with the other reviewer. My refi took 3-4 months, they made me jump
through many hoops with documentation. It was the worst refi experience I've ever had.
While the rate was good, the service was not. I've bought several homes over the
years and this refi took more than twice as much of my time and effort as any purchase or refi ever has. The documentation requirements, number of people we had to deal with delays and unresponsiveness was not not worth the fraction of a point I saved.
Was pre-approved with citi before we completed our offer with the seller we purchased our
Due to numerous mistakes by Citi we almost lost our home and our deposit because Citi lagged and lagged, lost our files, and was very slow and unresponsive.
In the end we got our loan at the 11th hour after we had to beg the sellers for an extension, but none of this should have happened if Citibank had been on top of things from the start.
After this experience I would have gladly paid another lender a higher rate to close on time than deal with all the headaches and sloppy work by Citi which almost cost us our deposit and our home.