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    Citizens Savings Association

    1.0 (2 reviews)

    Services - Citizens Savings Association

    Personal banking

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    3 years ago

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    Twin Tier Mortgage

    Twin Tier Mortgage

    (9 reviews)

    Great! They helped us from start to finish. They did 90% of…read morethe legwork. They always were there to answer my questions, any time of the day.

    If I could give this company a zero I would. I wish I had seen the Rip Off report on them before…read morechoosing them. I've held a brokers license and have worked closely with over a dozen lenders. I was referred to Twin Tier Mortgage when I moved from the west. If I give them the full benefit of the doubt this company is at least the most disorganized, non-communicative, sloppy lender I've heard of. When they required 4 pay stubs from a job across the country that I wasn't starting until after closing I was told this was standard procedure. When I explained to the Bola's that I had been a broker and knew that was not true the communication stopped. No returned phone calls. No clear communication by email. No commitment to even close our loan. We drove 3000 miles to be in town in time for our closing after providing everything and hearing nothing back. 1 day before closing they delayed our closing without a clear date or reason. We were instead asked to provide a long list of ridiculous items: told to fly back to the west coast to get a paper from the moving warehouse instead of accepting another form of proof, required to double pay a very large bill because they didn't like the language the company used to state it was paid on our credit report. I was forced to start work early with no clothes or a place to live. My employer was asked to provide my stubs eight different times and was very unhappy with their lack of professionalism or even clear, understandable requests. They wouldn't even return my bosses calls. They sent me 2 hours away to the wrong place when we finally had a closing appt. it was an absolute nightmare. This company has been in business under several names (google the rip off report) which is clear evidence of a bad business. We would of changed lenders but after being forced to live in a hotel for five weeks we were too close to having to pay capital gains on the sale of our last home. As soon as we had sold our other home they knew they had us. When I asked for a clear timeline they told me to find someone else if I didn't like them. This company should be avoided at all costs. E Rey realtor or bank I've talked to or forwarded emails to is equally shocked that they are in business at all. Steer clear! Go with a national credit union and get a much better rate and a company that knows how to actually do this job. That's what we wish we could've done. UPDATE: I've been threatened with legal action from this company for posting my experience. That pretty much says it all.

    Citizens Savings Association - banks - Updated August 2026

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