I am one of those small homeowners trying to utilize the HOPE program to refinance my home. For over 3 months I have been routed through every office in CitiMortgagte with the exception of the out-sourced bankruptcy department representative Gladwin J. Pereira who is only accessible by email from CitiMortgage. How is this administration's programs for homeowners going to work if you can't reach a real person. I have sent a letter to Sanjiv Das today with a trail of papers to support my claims. All I want to do is pay off the... read full review »