I can not believe what I heard today. Got a call from my processor Crystal Kinney and she confirmed that the letter I received from Citi Mortgage was correct. After 9 months of relentless trying I recieved a modification. The terms are amazing, 2% for the first 5 years the 3% for years 5-7 moving to 4% 7-10 caping at 5.25% for the remaining 20 years.
I am going to use the saving to keep my oldest son in college and fund my daughters college plan with the rest. The pressure that this has lifted off of my shoulders is amazing. I was facing losing everything what a turn around, do not believe everything you read on line however you can believe this. Thank you so much CAPLAW
Tina Stage