**SCAM ALERT!** I reached out to Franklin mortgage only to find out they had been purchased by Citizens One about an FHA Streamline refinance. I was contacted by Greg Wright almost immediately who took some information from me and said he would get back to me regarding this option. I had to contact him the next day to see if there was an update and then again a couple days later. He claimed the "system" was down and sent me a screenshot of some numbers that made no sense to me. I asked for a detailed loan refi document showing all figures etc. I was sent that 2 days later after asking in email again if I could get those documents to review. I had an offer with Quicken Loans for $2000 in closing costs and a rate reduction from 4.825 currently down to 4.125% which i sent to Greg to review and see if he could beat it with $0 closing costs. He indicated he could and after 4 days I was sent loan application paperwork which i completed and the following day I received an email indicating i was to put several thousand down and the rate was 4.35%! Additionaly only lowering my payment $50 and adding almost $19,000 to my loan! I rejected his offer and indicated if this is how they will treat current customers I would look elsewhere. As of today I have done an FHA streamline refinance with Quicken Loans at 4.125%, $0 closing costs, and saved $182 on my monthly payment. Even more so it has only added $2,000 to the total financed loan for my home. Citizens One you are a joke and i will certainly make sure people are informed all over the web and social media on how you do business. You lost a home loan trying to be greedy and terrible customer service.

Absolute nightmare. Preapproval went through in minutes and securing the actual loan is worse than any prior experience I have had. One person does not communicate with the other and multiple forms have to be sent repeatedly. Poor leadership. Poor communication. My closing was pushed back last minute with no regard to the people involved and am still having issues getting feedback. I would never recommend this company and am embarrassed for anyone who works here. Shameful service.