Moe:
First of all thank you from the bottom of my heart for running such a wonderful site. I always referred to your site for guidance.
I had a trial period of three months and just after I made the third payment, I started calling them about making the mod. I was initially sent to Mortgage Outreach services and kept following up them, until I went no where.
I then kept calling the mortgage assistance hotline and the lady told me I have not been assigned and they had no information. I had to fax my information to an 800 number.
In the next week or so I got a phone call and a voicemail from Citimortgage loan councillor asking me to call back.
I called her and talked to her and gave her my email address. Since then most of the communication was thru email and Citi uses secured email where your email comes thru as a password protected PDF file.
I had to fax back again the entire mod package to the loan councillor and she took couple of weeks to get some numbers ready. After we agreed upon the Modification, I got an email from CitiMortgage :
Your mortgage assistance request has been approved. Expect your mortgage solution package within the next 5-7 business days.
You may also track the status of your request by signing on to your account at
www.citimortgage.com.
We appreciate your patience during this time and look forward to helping you find a mortgage solution to manage your financial needs.
Sincerely,
CitiMortgage
After I got the email, on the 6th day I received the packet, which I signed and got notarized. I also had to enclose a check for the first payment.
Thats been it. Its been a long journey, but persistance and followup pays. Let the loan councillor know what works for you and they usually will work with you.
Last of all have all documents they need and fax it over as soon as they request it.