WARNING TO EVERY CITIMORTGAGE homeowner who receives a HAMP denial. I was originally informed that if I were to be denied a HAMP modification, the difference between my monthly HAMP payments and my regular mortgage payment (which amounted to over $4000 in my case), would be put to the BACK of the loan. The day I was called by Citimortgage to be informed that I was denied my HAMP modification, I was told by the representative who called me that i HAD to apply for an extension, in order to put my difference to the back of the loan. in... read full review »