My wife and I refinanced last fall on our home we have been living in for a few years. I have been a homeowner for over 20 years, and have had a mortgage with many lending institutions. With my wife out of work, and our budget tight, we needed to refinance to pay off some bills that had higher interest. We consolidated other loans into the mortgage. Our loan was sold to a financial institution called CitiMortgage. We both have had loans over the years, and have been very good to our commitment. Realizing that within our budget, a large... read full review »