I have had a mortgage with Citi for 8 years. After seeing news stories on how mortgage rates have been dropping, I called to inquire about refinancing my loan; I have excellent credit, always pay on time and in fact pay extra every month to pay down the principal, and I have a relatively small mortgage, perhaps 25% of my homes' value. After suffering through seeming endless recorded BS, entering all my account information TWICE, and being redirected to "mortgage specialists", and hearing pre-recorded information that... read full review »