Long story short...I took a lesser position to stay at my company and reduced my income .. March/09 phone interview with citimortage, mailed back their compleated modification package, fedex W2s faxed whatever they wanted. June/09, My wife and I "DO pre-qual for home modification" 3 month trial period and told to reduce mortage 200 less a month.I called CITI in Sept/09 asking what the status is of the loan, I was told some one would call back.Oct 09 - Dec 09 still no call but we continue to make our reduced payment on time.Jan/2010 -... read full review »