Max Byfuglin is a fraud and a cheat. During my home purchase he told me my loan was locked, it wasn't, my loan was approved, it wasn't and then never returned a single call, text oe email. Max literally hid from me and I almost lost my home (I was saved by another bank). He sounds really persuasive in the beginning and then he hides from you during the most frustrating part of your life. He is a scoundrel and should be fired as he is doing Citibank a disservice and providing a bad taste in peoples mouths. Stay away from him. You've been warned.