It is closing bank branches in places like Florida...Citi’s Chief Says Change Will Take Time and PatienceNew York Times, United States -7 minutes agoCitigroup is hawking tens of billions of dollars of mortgage assets and buyout loans at deep discounts. There are always two sides to every coin. As with all things, online mortgages, for all their many benefits, do have a certain disadvantage. And this certain disadvantage is enough to cause some people from engaging in such. Because part of the transaction is done online, people are hesitant to pursue online mortgages.