I just closed the deal today. Don't go with Citi, they are ridiculous. the underwriter is actully very nice, but Citi is just ridiculous on a lot of things and very slow. BoA, I don't know about the loan. but they even made a mistake when I wired money yesterday. I had to get a cashier check this morning and drove to the escrow office to send the check. it almost cost me the deal because mine is a short sale and has to be closed today. Any way, I can't image if I can have any worse experience th