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Citizens Bank and Trust

5.0 (1 review)

Services - Citizens Bank and Trust

Personal banking

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1 year ago

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Sally Bucciero - Benchmark Home Loans

Sally Bucciero - Benchmark Home Loans

(2 reviews)

Rating: -1 out of 5 stars…read more I am compelled to issue this unvarnished warning so that Veterans--and anyone considering their services--are fully aware of the predatory nature of Benchmark Realty. Avoid them at all costs. This is not a mere inconvenience; it is a calculated betrayal of trust. This company embodies everything corrupt and despicable about so-called "Christian" businesses, particularly those masquerading under a false gospel in the South. They weaponize religion as a sales tactic--cowardly wolves dressed in sheep's clothing--preying on the vulnerable for personal gain. Let me be crystal clear: their pious façade is nothing more than a sham to con and exploit. During one of the most difficult chapters of my life--amidst the chaos of COVID--Benchmark Realty stole tens of thousands of dollars from me on not one, but two homes. They feigned concern, even praying alongside me, while systematically robbing me blind behind my back. Their greed and duplicity are unforgivable. To Veterans, here is a critical fact they will never disclose fully: You do NOT have to make a down payment with your VA loan. Closing costs exist but are tightly regulated by the VA, with sellers often covering most expenses through concessions capped at 4% of the loan. I personally paid over $40,000 in fees that should never have come out of my pocket--money that fattened the pockets of these corrupt "Christians," gorging themselves while preying on those they claim to serve. A word to the wise: If a company flaunts only high reviews and those reviews are suspiciously few, that's a red flag--they likely manipulate or control their feedback to hide the rot beneath. Benchmark Realty is a cesspool of corruption, deception, and outright theft. Their branch managers and agents operate with impunity, and their business practices should be condemned without hesitation. Do your research. Protect your hard-earned money and your peace of mind. Stay far away from this reprehensible operation. This is not a request; it is a command: let the truth be known and may no one else fall victim to their calculated treachery.

Sally Bucciero and her team are the pinnacle of professionalism. They are patient and informative…read morewith your questions willing to teach you as you progress through the loan procedures. EVERY phone call, text, or email was either answered immediately or in a very timely manner. This is not the first time my wife and I have chosen to do business with Sally Bucciero. I can tell you though that each time has always been a pleasure. This is the easiest 5 -star review to submit. Really, they need 10 stars for their ability to make the loan process such a pleasant experience. Some people highly recommend, but we ONLY recommend Sally Bucciero for your home loan/ refinance needs!!

Sarah Katzmark

Sarah Katzmark

(2 reviews)

Sarah Leone is the best mortgage agent I have ever met - her attention to detail, superior…read moreexpertise, and incredible rapport she easily establishes are tremendous assets.  She is a pro-active communicator - giving weekly status reports and jumping in with incredible turn around at all times including weekends! She diligently crunched my numbers and showed me as qualified where my primary bank fell through, she walked us expertly through a complicated foundation issue discovered in the appraisal which otherwise would have been very stressful, and she educated and advised me on all the options of when to lock in the best rate and how to lower it or the potential PMI. She gave me high and low scenarios depending on anticipated appraisal and responded to all of my needs patiently and warmly. Her assistant Cameron was tremendous as well and reached out via phone and email and kept the ball rolling with ease. The whole experience, coupled with our INCREDIBLE and highly rated real estate agent Nick Hinton and ace assistant Renee Oullette was a phenomenal experience of partnership, teamwork, and success! We plan to use them all for all of our needs on our two homes and on any refinances or purchases we ever make!

Sarah was extremely helpful and patient with my newbie questions- way easier to deal with than…read morefolks I had talked to at national mortgage lenders. She asked the right questions to find out what I needed and I honestly felt like she was looking out for me and earnestly invested in my home purchase. Super positive vibes. I would recommend to anyone, especially first time buyers like me. Made the process feel pretty natural and I left feeling like I had a pretty good education on the whole process. I have recommended her to friends and acquaintances already.

The Arrowood Team - Preferred Rate - Tim Arrowood Headshot

The Arrowood Team - Preferred Rate

(2 reviews)

This is definitely one of the best lenders you can work with. Very personable, honest, and…read moretrustworthy, and their depth of knowledge in the industry is unparalleled in my experience working with several lenders. They have a lot of options for helping people like business owners who may not have simple tax returns. Where other lending companies would probably have struggled, they were able to make things work. On top of it, they're super friendly and just the kindest people you could hope to work with. They genuinely care about you and want you to get the highest level of service, something quite rare these days. Highly recommended!​​​​​​​​​​​​​​​​

We have no doubt that Kim Alexander Johnson is the best mortgage lender in the Johnson City,…read moreTennessee area. When my wife and I visited with the intention of relocating from California, we were very fortunate to see Kim's advertisement featuring her extensive VA loan experience. We went to meet her at People's Home Equity. Kim quickly had us a pre-approval letter for a VA loan home purchase, and she put us in touch with an outstanding real estate agent. Getting a VA loan approved and closed on time can be a a very stressful process, especially with recent changes in procedures. Kim and her team, including Kim Pennington, expertly advised us and worked with us to submit the required documents and paperwork for the VA loan and appraisal. Kim worked late hours and weekends and was on top of the situation every step of the way to the successful conclusion. Throughout the process Kim was extremely professional, responsive, supportive, warm and good-humored. She was a joy to have in our corner. Her unwavering commitment made out home-buying dreams come true.

Citizens Bank and Trust - banks - Updated July 2026

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