CitiMortgage

I've been pre-approved for a loan by ZG ( Citibank loan agent) for over a year. The second pre-approval by ZG took a month to get authorized which to me was ridiculous since the first took less than week. Finally after house hunting I found a home I loved so the application process began. You'd think it'd be so much quicker after being pre-approved for a loan. I was already putting over 50% down payment on the home $550K. Who would have known what a horrible experience it has been trying to buy a home through the use of Citibank Mortgage. The whole process felt long and tedious. It's not a great experience. I felt they were just finding reasons to disqualify you for the loan. There were 3 contingencies to lift and we got all the way to the last contingency and I never felt comfortable lifting because ZG was never giving me that comfortable feeling that the loan was good to go. Mind you that my realtor and the seller of the property were hustling to get everything to close timely but Citibank Mortgage took forever to get things done. I even had to talk to ZG boss and everyone I could above him to get things done. The underwriter was so anal about every little thing and wanting more and more. At the end, it took about a month, ZG calls to ask me for more paperwork and said it should be the last but no guarantees. I almost lifted the 3rd contingency about the deposit. ZG to call me hours later to tell me I didn't get the loan on the same day. The reasoning was ###ed because it should have been revealed like week one, NOT week four. AND he did not even offer any options possible. Citibank Mortgage is so disorganized, ZG was the worst, he couldn't do his job right, he should be FIRED. Everyone in the processing dept sucked and they don't know what they are doing. They not only made me lose the house of my dream, almost made me lose my deposit if I had lifted the 3rd contingency in the contract, and even more money I had put in to get the loan through. I am also a CitiGold member which obviously to Citibank means nothing special because customer service for Mortgage was near to nothing. My family has so much money in that bank that we are now thinking of relocating to another bank because of the worst service ever! Don't ever use Citibank Mortgage because the are not reliable and waste all your time and money and effort.