Dont do business with Citimortgage. My wife and I wanted to refinance our home. I thought we would give our current mortgage company a chance first. I have been the perfect customer, I have never been late on any payments, we have a substantial amount of equity built up in our properties and I have a rock-solid job that I have been employed at for over 21 years. After speaking with Joe Sermo of citimortgage on the phone, he had me convinced that I would not get a better rate anywhere because he could eliminate alot of the fees involved since... read full review »