Citi Mortage was contacted by us in Sept of 2009 to see if we qualified for the Home Mortgage assistance program. They told us we did and told us the amount to begin paying and not to pay any more or less for three months to show an ability to pay. We were told that it would take 6-8 weeks to do the paperwork on the modification. I sent in all the necessary documents that were requested. First they lost them. Then after not hearing from them for 4 months I contacted them and a diferrent person was working on our stuff and he needed additional documents. Then of course it was 2010 and they needed current documents since it had been so long since I sent in the first ones. Then he needed additional documents that was not listed on the original packet. Then I ended up getting on disability. So had to send in additional documents although the loan was solely in my husbands name my documents were then very important. Called back in after not hearing a response from the last set of docs and found out that we had another new person working on our packet. By then is was Sept of 2010 and he finally said he had everything that was needed and sent it over to the final process. We were told within 24 hours that we dont qualify and was followed with a letter stating that we had till the end of the month to pay $9, 000 in late fees and charges and the balance between the payment amount and the payment we were told to pay. Citi mortgage would not negociate any of the fees or charges and set us up on a payment plan that has crippled us for the past 3 months and we have 3 more months to go and now our loan was sold to Selene Finance. Not looking forward to dealing with them. I already see a descrepancy between the amount that I paid and the amount the Selene shows as receiving.