My AMC mortgage was sold to Citi Residential Lending. When I started to feel the economic crunch because of the prices of gas and other goods, I asked Citi what options where available to refinance or modify my loan. Citi representatives said they wanted to see what they could do about my mortgage. However, the Citi Reps would not tell me the different options until I provide all financial information first. I wanted to know the possible options before going through the process. I did not want to be "stuck" not knowing what I was getting into...again. To date Citi does not like to work with HUD Hope organizations to refinance or to modify the mortgages for the consumer. I pay $2500, interest only. The loan will readjust in February 2009...but not to a lower rate.