Because of past credit problems we were referred to Citrus. They began lying to us on day one. We got an approval early into the... Because of past credit problems we were referred to Citrus. They began lying to us on day one. We got an approval early into the process. They assured us that they were familiar with the SHIP/HUD program , but we found out that they are not registered with the federal govt. They are not a lender not a mortgage company, they are shoppers just like we can be. They sent out multiple credit requests and we ended up with multiple (14) hits against our credit within two weeks. We were notified on the night before closing and after 5pm that the lender had denied the loan. They did not have the courtesy to call us. They do not return calls or answer their phones. We were charged twice for the appraisal. They have ruined our chances of ever owning a home (we are both over 68) of our own, our credit reports are ruined. We almost lost everything because of them. They are rude and treat applicants like 3rd class citizens. Please save yourself the heartache and use a reputable lender. Read more Read less