Don't get a loan with Citi Residential, because they will not cut you a break on anything. I have tried to work with them and they are just loan sharks! They were not the people I signed with. They picked up my mortgage 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 government but not help anybody but themselves.
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