AHMSI from Citi SUCCESS!! - Loan Modification Forum

mama392 · 12-18-2008, 07:44 PM

Hi All! This is my first post and I'm looking for any advise I can get. I'm currently 3 months behind in my mortgage payment with Citi Residential. I've talked to the collections department and given them over the phone a run down of all my finanicals. They say I don't qualify for any programs but won't say why..too much income, not enough income I don't know. My husband works in the automotive industry which is one of the hardest hit. He gets paid flat rate which is by the job and not by the hour. His income is down about $200.00 a week from what it was. I've typed out hardship letter to try and get a loan modification but would like to know the best way to send it and to who. Should I email it, fax it, or snail mail? Please help. We need to keep our home.

Moe Bedard · 12-18-2008, 07:49 PM

Hi mama392,

Welcome to the forum and thank you for joining...................

First......don't talk to collections.........they are not going to be very helpful with the modification process..............

instead call the executive team and they will direct you on where to send your hardship letter and info........

CitiResidential
1-866-461-0913

Please keep us posted on your progress..........

mama392 · 12-22-2008, 05:02 PM

I emailed in a hardship letter to Citresidential on 12/18/2008. I did get a message today from a Chris to fax her some docs. She asked for most recent paystub for me and my husband, Insurance dec. page & most recent tax bill. I will fax her the documents from work tomorrow. About how long will it take to get a responce back? Any Idea? I still owe Oct, Nov & Dec payment and hope to get atleast one in be the end of the month. Will they start to forclose while I'm trying to work with them?

Moe Bedard · 12-22-2008, 05:58 PM

unfortunately the collection efforts will continue but if you let the rep know how far behind you are, they will usually escalate the file for quicker response time.

mama392 · 12-22-2008, 06:11 PM

Thanks for the info. I'm going to fax the info they wanted tomorrow and I'll let them know how far behind we are.

mama392 · 12-23-2008, 05:34 PM

I faxed all the info Chris at Citiresidenital wanted today. I have yet to actually speak with anyone in the modifications process. Any idea how long it takes before I hear something?

Moe Bedard · 12-23-2008, 06:18 PM

You would need to call at this point for a follow up.........first to make sure that they received everything o.k. and then to get updates on your file...........but also keep in mind that over the next week and a half things will definately be slow going due to the holidays.

mama392 · 12-30-2008, 03:56 PM

Does anyone else have problems faxing information? Chris left me a voice mail on 12/22/08 requesting information. I faxed the information the next day 12/23/08 (Tuesday). I called them on Friday they said they still don't have my info in the system from the fax something that it takes a couple days for the faxed information to show up on the system and to call back on Tuesday. I called back today and they still don't have my information!! Now I have to refax it again from work tomorrow and wait again!! This is all so stressfull! I don't want to lose my house!!!!!!!!!!!!

Moe Bedard · 12-30-2008, 04:32 PM

I can relate.....it is a very stressfull process.......but you have to hang in there to reach that goal..............I had to fax my 82 pages (self employed) 5 times to Chase before they were able to find the info in the computer..........

mama392 · 01-06-2009, 07:53 PM

I still can not get anywhere with citiresidential!!!!! I'm 4 months behind and I don't even know when or if they will help us! I faxed the very few docs they requested, they claim they finally received them on 12/31/08, but my case has yet to be assigned to anyone! They said to call back late next week to see if it's been assigned yet! Help! Is there any way to get this moving faster? I'm pretty sure they are going to need more info. They did not request much to begin with and I can't get anyone to look at my file!!!!

Moe Bedard · 01-06-2009, 08:26 PM

I posted the number to help above...........

You would need to call the executive team
CitiResidential
1-866-461-0913

mama392 · 01-09-2009, 09:07 PM

I can't get a hold of anyone!!!!!!!!! I was given the name of a Virgina that is working on my file but I have yet to speak with her!!!!!!!!!!

Moe Bedard · 01-09-2009, 10:58 PM

A live person answers that phone number between 7am-6pm PST M-F..........each time I have called in.............there isn't any person that is answering that line when you call between these hours?

mama392 · 01-15-2009, 07:05 PM

I finally talked to a Virgina the other day at Citires. She is the neg. assigned to our loan. She said it will still be a few weeks before they know anything. By looking at the other threads on here, it seems like the process is moving faster for others. I started this back in Mid December. Does this sound right?

Moe Bedard · 01-15-2009, 07:41 PM

the process is averaging 45-60 days with Citi....which is pretty quick compared to other servicers such as Countrywide and Chase..........unless Citi is both the investor and the servicer, then it can go a bit quicker because everything stays in house.

mama392 · 02-17-2009, 06:34 PM

Well I started my loan modification with Citi back in December 2008. I faxed all the required docs kept calling and was just told to wait. Now my loan was transfered to AHMI on Feb 11, 2009. I've left serval messages for Jeanie Drake to call me back and so far nothing. I have not heard a thing. I'm worried about losing my home. I'm 5 months behind and have no idea what is going on!!!!!!!!!!!

Moe Bedard · 02-17-2009, 06:59 PM

Have you faxed your hardship letter over to Jeanne's office.............if not, you would need to do that in addition to calling..........and make sure that you have your loan number and contact info on the hardship letter.
Jeanne Drake (VP Home Retention)
phone 1-949-784-6011
fax 1-866-642-4196

mama392 · 02-17-2009, 08:54 PM

I will refax my hardship letter along with some other doc to AMHI tomorrow. Has anyone had any better luck with them then Citi? I'm getting no where fast on any of this.

Moe Bedard · 02-17-2009, 09:48 PM

they have been getting response within 24 hours of faxing.........

Do you want to have your thread transferred to the AHMSI section of the forum?

mama392 · 02-18-2009, 07:50 PM

yes could yoy please give me the link! Thanks! I refaxed my hardship letter, 2 paystubs from me and my husband and 2 months bank statements today to AHMI. Now I'm just waiting to hear anything!

mama392 · 02-20-2009, 06:38 PM

I faxed all my info Thurdsay morning, here it is Friday night and no one has called back. I've left 3 messages for Jeanie Drake and no call back. If they won't call back does this mean they won't help?

myredrobbin · 02-20-2009, 06:47 PM

I am also waiting for a reply from AHMSI, I faxed in my hardship letter and other docs on Tuesday and they said they would call back in about 48 hours so far no call. I know they are so busy thats why Im not sure weather to keep calling them and make them mad.I will call them on Monday to find out the progress.Good luck to you.

mama392 · 02-20-2009, 08:40 PM

I just don't want to bug them too much either like you said but I don't want to be forgotten either. Good luck to you also, keep me updated on yours.

mama392 · 02-23-2009, 03:36 PM

Called again today to Jeanie Drakes office. Left her another voice mail, so far have not heard anything. I guessing by the post here that no news is BAD news! I really need to know what is going on!

mama392 · 02-24-2009, 10:08 AM

does anyone have an email address for Jeanie Drakes office? I have left messages, faxed info over and left my number at home, cell & work & even work email and no one will call me back! Maybe I can email someone! I really need help and they don't seem to want to help!!

12-18-2008, 07:44 PM	#1 (permalink)
mama392 Member Join Date: Dec 2008 Posts: 29 Nominated 0 Times in 0 Posts TOTW/F/M Award(s): 0	AHMSI from Citi SUCCESS!! Hi All! This is my first post and I'm looking for any advise I can get. I'm currently 3 months behind in my mortgage payment with Citi Residential. I've talked to the collections department and given them over the phone a run down of all my finanicals. They say I don't qualify for any programs but won't say why..too much income, not enough income I don't know. My husband works in the automotive industry which is one of the hardest hit. He gets paid flat rate which is by the job and not by the hour. His income is down about $200.00 a week from what it was. I've typed out hardship letter to try and get a loan modification but would like to know the best way to send it and to who. Should I email it, fax it, or snail mail? Please help. We need to keep our home.

12-18-2008, 07:49 PM	#2 (permalink)
Moe Bedard Founder Join Date: Aug 2007 Location: Southern California Posts: 16,887 Nominated 0 Times in 0 Posts TOTW/F/M Award(s): 0	Re: Help with Citimortgage Hi mama392, Welcome to the forum and thank you for joining................... First......don't talk to collections.........they are not going to be very helpful with the modification process.............. instead call the executive team and they will direct you on where to send your hardship letter and info........ CitiResidential 1-866-461-0913 Please keep us posted on your progress.......... __________________ Moe Bedard Founder LoanSafe.org "America's #1 Home Loan Forum" LoanWorkout.org "America's # Loan Modification Blog" Get My FREE Loan Modification E-Book \| Please donate to LoanSafe.org \| Loan Modification Training For Attorneys \| Rate Your Mortgage Servicer The comments by me and the materials available at this web site are for informational purposes only and not for the purpose of providing legal advice. Most of the information you find here is easily available on the internet. You should contact your attorney to obtain advice with respect to any particular issue or problem. The opinions expressed at or through this site are the opinions of the individual author and may not reflect the opinions of the firm or any individual attorney. Please Read our Privacy Policy and Legal Disclaimer Here.

12-22-2008, 05:02 PM	#3 (permalink)
mama392 Member Join Date: Dec 2008 Posts: 29 Nominated 0 Times in 0 Posts TOTW/F/M Award(s): 0	Re: Help with Citimortgage I emailed in a hardship letter to Citresidential on 12/18/2008. I did get a message today from a Chris to fax her some docs. She asked for most recent paystub for me and my husband, Insurance dec. page & most recent tax bill. I will fax her the documents from work tomorrow. About how long will it take to get a responce back? Any Idea? I still owe Oct, Nov & Dec payment and hope to get atleast one in be the end of the month. Will they start to forclose while I'm trying to work with them?

12-22-2008, 05:58 PM	#4 (permalink)
Moe Bedard Founder Join Date: Aug 2007 Location: Southern California Posts: 16,887 Nominated 0 Times in 0 Posts TOTW/F/M Award(s): 0	Re: Help with Citimortgage unfortunately the collection efforts will continue but if you let the rep know how far behind you are, they will usually escalate the file for quicker response time. __________________ Moe Bedard Founder LoanSafe.org "America's #1 Home Loan Forum" LoanWorkout.org "America's # Loan Modification Blog" Get My FREE Loan Modification E-Book \| Please donate to LoanSafe.org \| Loan Modification Training For Attorneys \| Rate Your Mortgage Servicer The comments by me and the materials available at this web site are for informational purposes only and not for the purpose of providing legal advice. Most of the information you find here is easily available on the internet. You should contact your attorney to obtain advice with respect to any particular issue or problem. The opinions expressed at or through this site are the opinions of the individual author and may not reflect the opinions of the firm or any individual attorney. Please Read our Privacy Policy and Legal Disclaimer Here.

12-22-2008, 06:11 PM	#5 (permalink)
mama392 Member Join Date: Dec 2008 Posts: 29 Nominated 0 Times in 0 Posts TOTW/F/M Award(s): 0	Re: Help with Citimortgage Thanks for the info. I'm going to fax the info they wanted tomorrow and I'll let them know how far behind we are.

12-23-2008, 05:34 PM	#6 (permalink)
mama392 Member Join Date: Dec 2008 Posts: 29 Nominated 0 Times in 0 Posts TOTW/F/M Award(s): 0	Re: Help with Citimortgage I faxed all the info Chris at Citiresidenital wanted today. I have yet to actually speak with anyone in the modifications process. Any idea how long it takes before I hear something?

12-23-2008, 06:18 PM	#7 (permalink)
Moe Bedard Founder Join Date: Aug 2007 Location: Southern California Posts: 16,887 Nominated 0 Times in 0 Posts TOTW/F/M Award(s): 0	Re: Help with Citimortgage You would need to call at this point for a follow up.........first to make sure that they received everything o.k. and then to get updates on your file...........but also keep in mind that over the next week and a half things will definately be slow going due to the holidays. __________________ Moe Bedard Founder LoanSafe.org "America's #1 Home Loan Forum" LoanWorkout.org "America's # Loan Modification Blog" Get My FREE Loan Modification E-Book \| Please donate to LoanSafe.org \| Loan Modification Training For Attorneys \| Rate Your Mortgage Servicer The comments by me and the materials available at this web site are for informational purposes only and not for the purpose of providing legal advice. Most of the information you find here is easily available on the internet. You should contact your attorney to obtain advice with respect to any particular issue or problem. The opinions expressed at or through this site are the opinions of the individual author and may not reflect the opinions of the firm or any individual attorney. Please Read our Privacy Policy and Legal Disclaimer Here.

12-30-2008, 03:56 PM	#8 (permalink)
mama392 Member Join Date: Dec 2008 Posts: 29 Nominated 0 Times in 0 Posts TOTW/F/M Award(s): 0	Re: Help with Citimortgage Does anyone else have problems faxing information? Chris left me a voice mail on 12/22/08 requesting information. I faxed the information the next day 12/23/08 (Tuesday). I called them on Friday they said they still don't have my info in the system from the fax something that it takes a couple days for the faxed information to show up on the system and to call back on Tuesday. I called back today and they still don't have my information!! Now I have to refax it again from work tomorrow and wait again!! This is all so stressfull! I don't want to lose my house!!!!!!!!!!!!

12-30-2008, 04:32 PM	#9 (permalink)
Moe Bedard Founder Join Date: Aug 2007 Location: Southern California Posts: 16,887 Nominated 0 Times in 0 Posts TOTW/F/M Award(s): 0	Re: Help with Citimortgage I can relate.....it is a very stressfull process.......but you have to hang in there to reach that goal..............I had to fax my 82 pages (self employed) 5 times to Chase before they were able to find the info in the computer.......... __________________ Moe Bedard Founder LoanSafe.org "America's #1 Home Loan Forum" LoanWorkout.org "America's # Loan Modification Blog" Get My FREE Loan Modification E-Book \| Please donate to LoanSafe.org \| Loan Modification Training For Attorneys \| Rate Your Mortgage Servicer The comments by me and the materials available at this web site are for informational purposes only and not for the purpose of providing legal advice. Most of the information you find here is easily available on the internet. You should contact your attorney to obtain advice with respect to any particular issue or problem. The opinions expressed at or through this site are the opinions of the individual author and may not reflect the opinions of the firm or any individual attorney. Please Read our Privacy Policy and Legal Disclaimer Here.

01-06-2009, 07:53 PM	#10 (permalink)
mama392 Member Join Date: Dec 2008 Posts: 29 Nominated 0 Times in 0 Posts TOTW/F/M Award(s): 0	Re: Help with Citimortgage I still can not get anywhere with citiresidential!!!!! I'm 4 months behind and I don't even know when or if they will help us! I faxed the very few docs they requested, they claim they finally received them on 12/31/08, but my case has yet to be assigned to anyone! They said to call back late next week to see if it's been assigned yet! Help! Is there any way to get this moving faster? I'm pretty sure they are going to need more info. They did not request much to begin with and I can't get anyone to look at my file!!!!

01-06-2009, 08:26 PM	#11 (permalink)
Moe Bedard Founder Join Date: Aug 2007 Location: Southern California Posts: 16,887 Nominated 0 Times in 0 Posts TOTW/F/M Award(s): 0	Re: Help with Citimortgage I posted the number to help above........... You would need to call the executive team CitiResidential 1-866-461-0913 __________________ Moe Bedard Founder LoanSafe.org "America's #1 Home Loan Forum" LoanWorkout.org "America's # Loan Modification Blog" Get My FREE Loan Modification E-Book \| Please donate to LoanSafe.org \| Loan Modification Training For Attorneys \| Rate Your Mortgage Servicer The comments by me and the materials available at this web site are for informational purposes only and not for the purpose of providing legal advice. Most of the information you find here is easily available on the internet. You should contact your attorney to obtain advice with respect to any particular issue or problem. The opinions expressed at or through this site are the opinions of the individual author and may not reflect the opinions of the firm or any individual attorney. Please Read our Privacy Policy and Legal Disclaimer Here.

01-09-2009, 09:07 PM	#12 (permalink)
mama392 Member Join Date: Dec 2008 Posts: 29 Nominated 0 Times in 0 Posts TOTW/F/M Award(s): 0	Re: Help with Citimortgage I can't get a hold of anyone!!!!!!!!! I was given the name of a Virgina that is working on my file but I have yet to speak with her!!!!!!!!!!

01-09-2009, 10:58 PM	#13 (permalink)
Moe Bedard Founder Join Date: Aug 2007 Location: Southern California Posts: 16,887 Nominated 0 Times in 0 Posts TOTW/F/M Award(s): 0	Re: Help with Citimortgage A live person answers that phone number between 7am-6pm PST M-F..........each time I have called in.............there isn't any person that is answering that line when you call between these hours? __________________ Moe Bedard Founder LoanSafe.org "America's #1 Home Loan Forum" LoanWorkout.org "America's # Loan Modification Blog" Get My FREE Loan Modification E-Book \| Please donate to LoanSafe.org \| Loan Modification Training For Attorneys \| Rate Your Mortgage Servicer The comments by me and the materials available at this web site are for informational purposes only and not for the purpose of providing legal advice. Most of the information you find here is easily available on the internet. You should contact your attorney to obtain advice with respect to any particular issue or problem. The opinions expressed at or through this site are the opinions of the individual author and may not reflect the opinions of the firm or any individual attorney. Please Read our Privacy Policy and Legal Disclaimer Here.

01-15-2009, 07:05 PM	#14 (permalink)
mama392 Member Join Date: Dec 2008 Posts: 29 Nominated 0 Times in 0 Posts TOTW/F/M Award(s): 0	Re: Help with Citimortgage I finally talked to a Virgina the other day at Citires. She is the neg. assigned to our loan. She said it will still be a few weeks before they know anything. By looking at the other threads on here, it seems like the process is moving faster for others. I started this back in Mid December. Does this sound right?

01-15-2009, 07:41 PM	#15 (permalink)
Moe Bedard Founder Join Date: Aug 2007 Location: Southern California Posts: 16,887 Nominated 0 Times in 0 Posts TOTW/F/M Award(s): 0	Re: Help with Citimortgage the process is averaging 45-60 days with Citi....which is pretty quick compared to other servicers such as Countrywide and Chase..........unless Citi is both the investor and the servicer, then it can go a bit quicker because everything stays in house. __________________ Moe Bedard Founder LoanSafe.org "America's #1 Home Loan Forum" LoanWorkout.org "America's # Loan Modification Blog" Get My FREE Loan Modification E-Book \| Please donate to LoanSafe.org \| Loan Modification Training For Attorneys \| Rate Your Mortgage Servicer The comments by me and the materials available at this web site are for informational purposes only and not for the purpose of providing legal advice. Most of the information you find here is easily available on the internet. You should contact your attorney to obtain advice with respect to any particular issue or problem. The opinions expressed at or through this site are the opinions of the individual author and may not reflect the opinions of the firm or any individual attorney. Please Read our Privacy Policy and Legal Disclaimer Here.

02-17-2009, 06:34 PM	#16 (permalink)
mama392 Member Join Date: Dec 2008 Posts: 29 Nominated 0 Times in 0 Posts TOTW/F/M Award(s): 0	Re: Help with Citimortgage Well I started my loan modification with Citi back in December 2008. I faxed all the required docs kept calling and was just told to wait. Now my loan was transfered to AHMI on Feb 11, 2009. I've left serval messages for Jeanie Drake to call me back and so far nothing. I have not heard a thing. I'm worried about losing my home. I'm 5 months behind and have no idea what is going on!!!!!!!!!!!

02-17-2009, 06:59 PM	#17 (permalink)
Moe Bedard Founder Join Date: Aug 2007 Location: Southern California Posts: 16,887 Nominated 0 Times in 0 Posts TOTW/F/M Award(s): 0	Re: Help with Citimortgage Have you faxed your hardship letter over to Jeanne's office.............if not, you would need to do that in addition to calling..........and make sure that you have your loan number and contact info on the hardship letter. Jeanne Drake (VP Home Retention) phone 1-949-784-6011 fax 1-866-642-4196 __________________ Moe Bedard Founder LoanSafe.org "America's #1 Home Loan Forum" LoanWorkout.org "America's # Loan Modification Blog" Get My FREE Loan Modification E-Book \| Please donate to LoanSafe.org \| Loan Modification Training For Attorneys \| Rate Your Mortgage Servicer The comments by me and the materials available at this web site are for informational purposes only and not for the purpose of providing legal advice. Most of the information you find here is easily available on the internet. You should contact your attorney to obtain advice with respect to any particular issue or problem. The opinions expressed at or through this site are the opinions of the individual author and may not reflect the opinions of the firm or any individual attorney. Please Read our Privacy Policy and Legal Disclaimer Here.

02-17-2009, 08:54 PM	#18 (permalink)
mama392 Member Join Date: Dec 2008 Posts: 29 Nominated 0 Times in 0 Posts TOTW/F/M Award(s): 0	Re: Help with Citimortgage I will refax my hardship letter along with some other doc to AMHI tomorrow. Has anyone had any better luck with them then Citi? I'm getting no where fast on any of this.

02-17-2009, 09:48 PM	#19 (permalink)
Moe Bedard Founder Join Date: Aug 2007 Location: Southern California Posts: 16,887 Nominated 0 Times in 0 Posts TOTW/F/M Award(s): 0	Re: Help with Citimortgage they have been getting response within 24 hours of faxing......... Do you want to have your thread transferred to the AHMSI section of the forum? __________________ Moe Bedard Founder LoanSafe.org "America's #1 Home Loan Forum" LoanWorkout.org "America's # Loan Modification Blog" Get My FREE Loan Modification E-Book \| Please donate to LoanSafe.org \| Loan Modification Training For Attorneys \| Rate Your Mortgage Servicer The comments by me and the materials available at this web site are for informational purposes only and not for the purpose of providing legal advice. Most of the information you find here is easily available on the internet. You should contact your attorney to obtain advice with respect to any particular issue or problem. The opinions expressed at or through this site are the opinions of the individual author and may not reflect the opinions of the firm or any individual attorney. Please Read our Privacy Policy and Legal Disclaimer Here.

02-18-2009, 07:50 PM	#20 (permalink)
mama392 Member Join Date: Dec 2008 Posts: 29 Nominated 0 Times in 0 Posts TOTW/F/M Award(s): 0	Re: Help with Citimortgage yes could yoy please give me the link! Thanks! I refaxed my hardship letter, 2 paystubs from me and my husband and 2 months bank statements today to AHMI. Now I'm just waiting to hear anything!

02-20-2009, 06:38 PM	#21 (permalink)
mama392 Member Join Date: Dec 2008 Posts: 29 Nominated 0 Times in 0 Posts TOTW/F/M Award(s): 0	re: AHMSI from Citi SUCCESS!! I faxed all my info Thurdsay morning, here it is Friday night and no one has called back. I've left 3 messages for Jeanie Drake and no call back. If they won't call back does this mean they won't help?

02-20-2009, 06:47 PM	#22 (permalink)
myredrobbin Senior Member Join Date: Feb 2009 Location: Eugene, Oregon Posts: 94 Nominated 0 Times in 0 Posts TOTW/F/M Award(s): 0	re: AHMSI from Citi SUCCESS!! I am also waiting for a reply from AHMSI, I faxed in my hardship letter and other docs on Tuesday and they said they would call back in about 48 hours so far no call. I know they are so busy thats why Im not sure weather to keep calling them and make them mad.I will call them on Monday to find out the progress.Good luck to you.

02-20-2009, 08:40 PM	#23 (permalink)
mama392 Member Join Date: Dec 2008 Posts: 29 Nominated 0 Times in 0 Posts TOTW/F/M Award(s): 0	re: AHMSI from Citi SUCCESS!! I just don't want to bug them too much either like you said but I don't want to be forgotten either. Good luck to you also, keep me updated on yours.

02-23-2009, 03:36 PM	#24 (permalink)
mama392 Member Join Date: Dec 2008 Posts: 29 Nominated 0 Times in 0 Posts TOTW/F/M Award(s): 0	re: AHMSI from Citi SUCCESS!! Called again today to Jeanie Drakes office. Left her another voice mail, so far have not heard anything. I guessing by the post here that no news is BAD news! I really need to know what is going on!

02-24-2009, 10:08 AM	#25 (permalink)
mama392 Member Join Date: Dec 2008 Posts: 29 Nominated 0 Times in 0 Posts TOTW/F/M Award(s): 0	re: AHMSI from Citi SUCCESS!! does anyone have an email address for Jeanie Drakes office? I have left messages, faxed info over and left my number at home, cell & work & even work email and no one will call me back! Maybe I can email someone! I really need help and they don't seem to want to help!!

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