I applied for a loan with Citizens Mortgage and the entire loan process was a debacle. Citizens Mortgage has acknowledged and admitted fault with each and every point I have raised yet in their position remains just be because they made mistakes and failed to negotiate in good faith since the deposit is a non-refundable deposit they do not have to return it. The following is an account if the events: 1. They notified my insurance company and changing the payee on the insurance, as such the bill was sent to the wrong mortgagee and... read full review »