I have a home mortgage on a house that I built in 1997. My mortgage was with Principal Residential until it was bought a few years back by Citimortgage. Immediately our payments went up, which we were able to afford still but due to my having to change jobs and my husband's hours being cut we have gone through all of our savings just trying to keep up the payments...then in 2008, yes, 2008 I started the modification process with Citi...needless to say, we have been denied for the HAMP program. I have a credit counselor with CCCS who ha... read full review »