I have been posting our "saga" under Wit's End. I spoke to our citimortgage negotiator today and she is assuring me we will have our modification by November. We have been in this since February 2009. I was denied by Citi, I escalated it by writing directly to Freddie Mac and my congressperson and the executive response team. I had recently started to work w/ NACA, but don't believe I need to go there now.
We had a 30 yr at 5.65 (ARM) and it looks like our modification will take us to 4.0 fixed. I'll post the details when I get more information, but I wanted to share with people who are throwing in the towel after being denied, ignored, lied to, given bad information that quitting will of course only lead to failure.
I also want to thank this forum. Without the insight of others who are dealing with like issues and the camraderie that exists here, I would not have had the fortitude to continue this fight.