Citi Mortgage and Citi Financial Special Contact Information

[Jennifer149]

This is my first post. I have been working...successfully...at getting a modification with Countrywide (who holds my first mortgage) with the advice I've read here, but not with Citi at all. I have called them and they are completely unwilling to do anything. I even called them today and it's the same story. Because we have a surplus of income they don't feel we should be behind. Unfortunately, because I lost my job last year and have had no luck finding a new one, we got behind on everything because we tried to keep up with everything. We have figured out that our priority is our mortgages and household bills and are working at getting back on track, but Citi says that isn't a good enough reason to be behind and there is nothing they can do.

We are currently 3mos. behind with Citi, that will be down to 2mos. when we make our payment on the 15th. They absolutely refuse to do any kind of modification to help us catch up. They refuse to even do anything with the $800 of late fees they have added to our account, to help us have a more realistic amount to catch up.

They said because we have a surplus of income on paper...by like $200...there is no reason for us to be behind, and because I haven't found a new job our situation hasn't changed so that they can't work with us.

I'm pulling my hair out. I would think that because we do have a surplus of income without my working, they would try to help us catch the account up. Why do I have to find another job...which has proven impossible and I've all but given up...before they will try to help us?

[schwefls]

Hi Jennifer welcome to our forum:

Congratulations on your success with Countrywide. I am sorry you are having these problems with Citi. Someone will be reaching out to you with some sound advice/suggestions. In the interim please hang in there and know that we are here for you.

[Moe Bedard]

Jennifer,

If your financials do not have you showing a surplus when you put them together, then as Citi to go over what they have down with you so that you can see where the surplus is and why they are showing it...............then ask to submit updated financials.........and see if they will let you do that....

[Jennifer149]

They show me with a surplus...should I not be showing a surplus to get them to work with me? (They didn't ask for anything other household bills and we do have medical bills monthly...one son on meds for ADHD, daughter's orthodontist, and other son was in the PICU in July for a severe concussion that we have bills from)

Our interest rate with citi is currently 13%. If we could get them to help us catch up the two payments we are behind and drop the rate a bit, we would have more of a cushion so that when things happen it doesn't force us not to pay a bill. (i.e. hot water heater we had to replace in Feb., $400 in school registration fees in May, $200 school supplies in August, etc., that we have to pay also) We can afford to live on the one income. It is tight, but we can...and have no choice with the job market the way it is. Countrywide is giving us some breathing room. It would be nice if Citi would try to work with us also. We can afford our home. (I didn't work when we got our home loans either) But when the slightest thing happens, we have no choice but to get behind. We don't have the money to "save for a rainy day." If our payment with Citi was lowered a bit, we probably could so that this doesn't happen again.

[Moe Bedard]

The reason why I said to go over the financials with Citi is it sounded like you thought that since they were telling you that you can afford the payment that you would not need a modification..................so my suggestion is to go over the financials they have to see if there is any descrepancies that you see................each investor is different, so you would need to ask them if that is the reason they don't want to help and then see if you are able to adjust accordingly and resubmit them.

[Onebelow0]

out of curiosity, I am going thru the mortgage modification process now, does it help you any if Citi actually owns your loan? I just called and found out today that mine is owned by Citi. Or would it have been better if the loan was owned by freddie mac or fanny may?

[sandraann827]

Dear Moe

I sure hope this helps -- please see my post of Citimortgage Nightmare. We are very distressed and never in our wildest dreams would have thought we would be placed in this situation. But due to all the circumstances in the post and the fact that the current job is making only about 65% of what we use to make things are extremely difficult.

Thank you for all that you have done for hundreds if not thousands like us.

Blessings
Sandy

[revcarrie]

Thanks Moe for the contact information for Citi. What about for Aurora. My cousin has been trying for over a month, got through once to get the form and sent the information back and now she is behind 2 payments and has heard NOTHING.

[revcarrie]

Hi group,
For those who no for sure they are upside down on their mortgages remember this is the time of year that taxes are generally due to the counties you live in. 60% of those who challenge their taxes in our county in Oregon end up with lower taxes. If the value of your house has fallen to any great extent, it stands to reason you MAY be elligle for the county to revisit your assessed value for taxes as well. At least this is what is happening here IF those involved take the time to do it.

Also, our taxes went down by a whole $2.00 this year however Citi-mortgage has raised our escrow by $10 a month The insurance was not raised either! HUMMM!

Carrie
Carrie

[Moe Bedard]

Originally Posted by Onebelow0

out of curiosity, I am going thru the mortgage modification process now, does it help you any if Citi actually owns your loan? I just called and found out today that mine is owned by Citi. Or would it have been better if the loan was owned by freddie mac or fanny may?

Yes, it does help. This means they actually own the note behind your mortgage and have explicit authority to modify your mortgage to however they see fit.

Thanks rev! Sandraan, I will read your Citi story and thanks for saying thanks !

[RedemptionSummers]

Moe, I wanted to say how much I appreciate this information and it in deed helped us and changed our course financially. I contacted Citi via the email address you provided and got a response right away, they were so kind and polite...Sue at Citi stopped all the collection calls, walked me through the down load of the MOD applications and responded back after I faxed over the information with in 24 hours just to let me know that the paper work was recieved and they were reviewing. 48 hours later I recieved another call from Sue with Citi to let me know that we would be receiving a call from thier MOD department to go over the terms....48 hours after that I get the most fantastic call from Rene with Citi.



They lowered our rate on the second mortgage by 4 points, extended our term which lowered our payment almost 400.00 per month AND took all the arrearages and moved them to the back of the loan interest free until the loan is actually paid off.



This meant everything to us and the MOD even allowed for the next payment not to be due until January 2009. We are now able to get our car payments caught up, our household bills caught up and the very sanity of knowing now we do not have to go into foreclosure or be forced to sell our home. For all the readers I can tell you we were at the 90 day late mark and Citi helped us keep our home. Please pass on this contact information to everyone you know that has a Citi Mortgage and are having difficulty I know they will review every case and if it makes sense and they can help they will.



My best wishes to Sue and Rene at Citi and THANK YOU SO MUCH for making a difference in our lives :-) All readers please pass on the information below it really helped us...Signed no longer desperate in Florida.


Email address:
homeownerhelp@citi.com

Phone Number:
1-866-255-3901

[Moe Bedard]

Thanks so much for saying thanks and I am honored to be involved in another saved home. It's great to know that Citi has stepped up to the plate for you and your family so you can rest.

[tashia]

Hello everyone I am new to the site and am burnt out trying to fight my foreclosure! Does anyone know if Citigroup Global Markets Realty Corp. is the same as citi mortgage?

[Moe Bedard]

I am finding out for your right now from the execs at Citi. I should have an answer shortly.

[Moe Bedard]

They have not answered my email as of yet, but this company seems to be owned by Citi Mortgage. Their realty arm to dispose of these foreclosed homes???

CITIGROUP MORTGAGE LOAN TRUST 2007-AR1 - Current report filing (8-K) Index to Exhibits

Underwriting Agreement, dated as of January 30, 2007, by and between Citigroup Mortgage Loan Trust Inc. as Depositor and Citigroup Global Markets Inc., relating to the Series 2007-AR1 Certificates.
4.1	Pooling and Servicing Agreement, dated as of January 1, 2007, by and among Citigroup Mortgage Loan Trust Inc. as Depositor, CitiMortgage, Inc. as master servicer and trust administrator, Citibank, N.A. as paying agent, certificate registrar and authenticating agent and U.S. Bank National Association as Trustee, relating to the Series 2007-AR1 Certificates.
99.1	Master Mortgage Loan Purchase and Servicing Agreement, dated as of February 1, 2005, between Citigroup Global Markets Realty Corp. as initial purchaser and CitiMortgage, Inc. as seller and servicer.

[Moe Bedard]

This email just came from Citi:

Moe,

Citigroup Global Markets Realty Corp is a subsidiary of Citigroup. If you obtain any information from customers within this entity, please feel free to send them to us and we will ensure that they get the appropriate handling.

[revcarrie]

Moe,
What a dear picture you have on your posting. Love this site. You are doing soooooo many good things for people.
Happy Thanksgiving coming up. We are truly thankful for your existance and what you do in my householf and extended family.
revcarrie

[Moe Bedard]

Awe thanks Revcarrie and an early Thanksgiving to you. I truly appreciate your help and support around here also and I encourage you to keep encouraging and guiding others.

[hossenfeld24]

is this contact information good for short-sales as well?

[Moe Bedard]

they should be able to help you in that dept. with a short sale as well.....

[gayled1228]

to hate citi, i am not having luck either. they wont even listen to me.

[gayled1228]

jennifer, i am in same boat. citi shows me with 300 month left after household bills and say that is enough. is it enough for my four children when they get sick? or how about if my husband misses any work or we have a holiday week? i dont understand.....help

[JamesB]

I want to thank everyone on this blog for providing the information to reach out to Citi. I must say I was very impressed with their response time. No later than 5 minutes after I email them on the email provided on this blog did I hear from someone. Unfortunately they were not able to help me at this time. Non the less I look fwd to working with them in the future in hope of having my loan modified.

[Moe Bedard]

Hi James,


I am glad that the information provided helped to get you through to Citi.........I am sorry that they were not able to help at this time.........
Please keep us posted as you begin the mod journey......

[chippy1]

I wanted to let you know that the number you have listed just reroutes you to the original Citi mortgage number. I called it and told them I needed immediate help and the individual who answered referred me to 866-667-8424, which I was on hold for 57 minutes. I informed her that and she told me to call back on Monday @ 6:00 am (pacific time)???? That is the only time to get into the phone que?? She stated that they are over loaded with calls. I will also send an email