First off what a great site I have stumbled on. Lot's of great info and success stories. Mine is not unlike some I have read. Currently in a Citimortgage LIBOR 5 yr I/O the current rate is 9.0% and is set to rest in June and am worried that we will not be able to afford it then. My current loan is for $191,900 and my house was recently appraised for $185,000. The mortgage broker we had gone through said the house had to appraise for $215,000 to qualify for a FMA loan. For what the difference is between our original loan and the appraised value of our home being relatively small, any chance you think that Citimortgage would switch to a fixed rate? Or are we looking at the Loan Mods and trying for a 40 yr loan and the like?? Again thanks to all for such a great site!!!