we have an existing loan with citimortgage so we went to the local branch office and asked for a lower interest rate. they assured me this was fine and that i needed to reapply for the new rate. i did. then my spouse did. i got one letter saying we were rejected and another saying the file was being reviewed. i never got one phone call. when i called they told me to apply again because the "information" was inaccurate. i asked the for the manager and got no where. it isnt supposed to be this hard. how can i have a loan with them and be rejected for the lower rates offered now??? read full review »