回复：Citi Morgage是不是真的有问题？有听说吗?

Did they ever told you what is the reason for delay? As long as they honor the 5.375% rate, you are fine. Sounds like it is their peoblem not being able to close the loan. Ask them for the reason. Indeed, most of mortage originators have to keep the loan on their balance sheet right now, however, I don't belive the story of short of fund, it has to be operating reason for the delay.