dont get a loam with citi residential because they wii not cut you a break on anything ive tried to work with them and there just loan sharks! they were not the people i signed with they pick up my morgage and my rate went up to 12% i have been trying to reason with them now my payment is more per month than i bring home and they tell me i can still afford it and have no options with them. they can collect my tax money from the goverment but not help anybody but themselves.