We also are victims of Option 1 who I have a mortgage with ONLY because i mentioned to the company that sold it to them CITIRESIDENTIAL that I wanted to learn about getting a mtg modification - currently mtg is 12.75% but it's not supposed to be because Ameriquest who had it before CitiResidential told us this loan would go to a fixed 19% rate after two years and when the closer came to the house for the signature, my husband did not have his glasses on and asked her if the terms were 12.75 for two years and then 10% as he was promised... read full review »