[heidi79]

Update: I called Citi for follow up on the paperwork, it's been more than 2 weeks of course and no info from them yet, I pretty much knew that I would not really get a reply from them.

The rep I got on the phone looked up the account and then came back and basically told me that because the house was not owner occupied, it would not be considered for a modification. I explained to her my previous conversation with a rep, that I had given the financial info over the phone and online, I also asked her why the form would even ask if the house was rented and how much the rental income was if they don't don't modify rental homes? She had no answer so I asked to speak to a supervisor. After a long wait he came on and basically said "the guidelines don't allow for me to modify an 80/20 adjustable rate loan" "Pay us half of what you owe and we can then talk about you getting current on the account"

The investor is Citimortgage themselves. Unbelievable, the bank will not modify the very loan that is responsible for the most problems in the market! So now basically, we're at square one again, I'm not sure what to do from here any info would be greatly appreciated.