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**We are not affiliated with any mortgage servicer, the investor/beneficiary of your mortgage note, the mortgage insurer (if applicable) or any government agency. We are a homeowner advocacy group with more than a decade of helping homeowners and professionals with mortgage assistance negotiations. The information found on this page is for educational and convenience purposes only. The information found on this page should be considered as opinion and not fact based on our experience with lenders over 10+ years. Consult your mortgage servicer directly or a professional before using any of the information found on this site. If you are seeking an intermediary to assist you in getting help with your mortgage you may contact us at 888-934-3444 or via email at [email protected] for further review for a no fee, no obligation, consultation. If required you may be referred to a local professional or legal counsel for additional assistance with your mortgage. Please read through our Disclaimer page for additional details. We do not represent in any way any financial institution named on this page. If you feel that any of this information has become outdated or is incorrect please contact us immediately.**

CitiMortgage Loan Modification RMA Form Application Package

Loan Modification RMA PDF

Start with a Request for Mortgage Assistance (RMA). Download Forms Here.

Next Loan Mod Steps

What are the loan mod steps. A Road Map For Success!

Other Mortgage Programs

It may not be too late to try other options. We can review what’s out there.

Get CitiMortgage Forms

Take the first step to getting started on your loan modification. Download Forms Here.

Next Steps

Find out what’s next. Make sure you cross every ‘T’ and dot every ‘I’.  No Mistakes!

Other Mortgage Programs

It may not be too late to try other options. We can review what’s out there.

Why Deal With CitiMortgage Yourself?!

Work With CitiMortgage Experts.

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CitiMortgage RMA Loan Modification Package Forms

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CitiMortgage RMA Loan Modification Package Forms

Limited Time Offer Coupon!

FREE  Custom CitiMortgage Strategy Session With A CitiMortgage Home Experienced Team Member.

Step 1: Fill Out CitiMortgage Loan Modification Package

Find out why no one knows more than we do.

What is in CitiMortgage Loan Modificaiton Package?

CitiMortgage Loan Modification Request For Mortgage Assistance (RMA)

The first thing you will have to do if you want to get a Loan Modification from CitiMortgage is to submit a completed Request for Mortgage Assistance(RMA) Package. You should always use the paperwork that is the latest one. Consulting a professional before submitting any documents will be a lot helpful. Finding the right professionals who can properly help you with the process is very crucial as there are a lot of professionals to choose from. To help you we have put the latest paperwork on our website because that is what we do as a company we help people get Mortgage Relief from the lenders.  Click here to request a call from a loan mod pro or call 888-934-3444. 

What is the CitiMortgage hardship affidavit?

CitiMortgage Hardship Letter

CitiMortgage has a Hardship letter affidavit built into their application which states your hardships,

Pro Tip: When reviewing you for a modification approval Cenlar looks for your original reason for defaulting or RFD. If the RFD has not been cured (hardship) has not been resolved in many cases the will not be able to help.
EXAMPLE: A RFD like loss of income must be resolved by replacing that income. One of typical thing they will want to know is if you are making more or less income. What comes next varies from case to case based on the mortgage assistance options that are available.

Real Estate Mortgage Loan Modification Definition

What is a loan modification?

Loan Modification cannot be considered the same thing as a refinance because refinance is when you get a second loan to pay off your first one. When you are doing a loan modification you cannot combine your previous loans. While doing a loan modification we will work with you and your lender to get the terms of your loan modified.

What terms can I change on my mortgage with a loan modification?

Thinking outside the box is not something the banking industry has the potential for. For this reason the terms you can get modified get very limited.

Interest Rate Modification

The thing that the most people want to modify is their interest rate. To reach affordability the servicer will push based on your income.

Loan Term Adjustment Mod

The other way you can decrease the payments is to extend the loan length but this si not the right way as people have noticed them adding payments to the beginning of the loan. If you want to get the loan extended by the length of your missed payments you cannot do that. The company will extend the loan back to its original length of 30 years in most of the cases. We have seen as much as 50 years, but as 30 years is the norm, any extension beyond is generally no more than 40. Beneficiary of the note and the limitations they set completely control this.

Principal Capitalization and Principal Reduction Modification

Principle Capitalization will be when the lender will take any arrears that you owe them which include past due payment, interest, and fees later adding them to the outstanding balance of what is owed. In rare cases that are generally dictated by the amount of perceived equity in the home (or lack there of) the investor on the loan may be willing to take a reduction on the principal owed

Step 2: Submit Loan Modification Package To CitiMortgage

Thoroughly review your documents. The wrong information can hurt you!

CitiMortgage Loan Modification Submittal

Getting Your Forms Submitted To CitiMortgage To Get The Process Going. What is in the CitiMortgage Loan Modification Package?

Usually the following documents are required by all the lenders and are not limited only to CitiMortgage. You will have to provide your financial information to you servicer such as a monthly budget, your tax returns for the last two years along with a 4506t to show the returns were actually filed, pay stubs or proof of income like a profit and loss, bank statements, reason for requiring to do a loan modification, and a hardship letter.

Pro Tip: Working with our professionals should allow you to be able to pick out the documents your servicer Cenlar FSB Home will need. When your mortgage company requests items after they’ve started their modification review process they passed over sending your file to the next stage.

Step 3: CitiMortgage Loan Modification Broker's Price Opinion (BPO) or Appraisal


CitiMortgage Loan Modification Value

Getting The Right Value Goes A Long Way.

It will be preferred by the lender to first balance out all the options that are available to the homeowner. One thing that the lender can do is to check whether the value is acceptable. There are many methods to do a valuation and there are some methods in which the valuation is done online. In some cases a value is completed by a real estate agent, In this type, the broker compares the properties in the area. In some of the cases the broker may want access to the home to do an interior valuation. In some cases only a drive by is enough. The person making the valuation will compare properties that are currently listed and which have been sold recently doesn’t matter which type of valuation they are doing. They consider the homes perceived condition, the size of the living space, the size of the lot, how many stories it has and whether or not it has a pool. They will also consider market conditions and how fast homes are selling in the area. There are many factors they take into consideration.

CitiMortgage Loan Modification Appraisal

Loan Modification Appraisal Values

The investor will require a valuation in most cases and for this the lender will get a valuation done on a computer called Automatic Valuation Module (AVM). Due to prohibited costs the investor will rarely hore a broker to do a valuation. The investor will in even rarer cases hire an appraiser to get appraisal. The homeowner may be required to pay upfront fees in some of the cases for these services.

Pro Tip: AVMs are not accurate. They can often show a skewed view on what your property is worth. Want to get a property valuation? Contact us for a Property Valuation.

CitiMortgage Value Disputes and Variances

Filing Value Disputes and Variances

Mistakes can happen from both the rookies and professional and sometimes they make mistake that a value returns too high or too low, If this happens you may have to deal with a value dispute. Depending on who the investor is or if it’s insured there may be different processes for filing disputes with CitiMortgage or another managing entity.

Pro Tip: Equity is not always your friend. If you have equity your lender may not work with you because they would rather you sell your home and pay off your loan or refinance. If you don’t have enough equity then they may feel that this will not be a good investment for them so they may also decline you. Speak to one of our Loan Modification specialist for a free no oblication review by calling 888-934-3444.

Step 4: Net Present Value (NPV)


NPV and how does it work?

CitiMortgage’s Net Present Value or NPV Process and Analysis.

This will be the time after the value has returned that the lender will make a decision as to qualify you for the modification or not. Usually before the submission to management there is an auditing process and if approved there is often another auditing process the occurs before an approval letter is issued.

Pro Tip: Check Your Numbers! Reviewing the NPV is crucial to understanding whether the offer made to you is accurate. We regularly see servicers misinterpret the information submitted to them. Understand how your loan modification underwriter may think is important. Call us for a free consultation at 888-934-3444.

NPV Decline

CitiMortgage NPV Counters

NPV stands for Net Present Value. Basically NPV is an algorithm that the investor uses to get the value for their money. This is also not a stable value. It changes from day to day. The investor will look at two seperate homeowners and try to figure out where they can get more profit. As usually the loan modification clients are behind in their payments the investor will have to figure out whether taking the owed amount and extending the loan is even worth it or not. Homeowners have to know that when the numbers don’t add up for the investor that is when they are most likely to get declined.

Modification Decline Appeal

CitiMortgage NPV Counters

It is an easy thing if you want to counter the CitiMortgage NPV the only thing you have to do is figure out which parts do not make sense and act on those. You should look carefully at each point and try to figure what the ideal output should be. The most typical are incorrect income figures but it could go beyond that to things like the property’s perceived value and even in some cases the consumers credit report.

Pro Tip: If there is a time to appeal a loan modification decline it’s now. This is the time to analyze everything you know from their review. Make sure that you have all your proof straight because you might only get once chance at a decline appeal.

Step 5: Loan Modification Approval


Trial Payment Plan

Three Payment Plan

CitiMortgage will sometimes put you on trial payment plan if you have been approved for the Loan Modification from them. You will not know what the finalized terms will be that they are offering you but the final payment should be inline with what you will be paying for the mortgage at least at the onset of the new plan.

Finalized Loan Modification

CitiMortgage Modification Complete

There is finalization process before they complete the loan modification process.In case you are currently on the trial payment plan then the new term documents will be sent out somewhere between second and third trial payment. They usually come with a prepaid package to return the documents to the lender. Once the documents are returned and the loan modification goes through the final audits with underwriting the master loan documents are amended to show the new terms of the loan.

Pro Tip: If you go through the trial plan payments and do not get a modification implemented you may have legal rights. Need a legal consultation? Contact us to be connected to an attorney or call 888-934-3444.

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How Does ACG Get Paid?

We can help you by speeding up the process of Loan Modification by working with your lender. No upfront fees are charged by us for this service and you will have to pay us only when you have accepted the new terms and if you get denied later after having been approved you will not have to pay anything. Call for details 888-934-3444.

Understanding The CitiMortgage Loan Modification Status

If you ever have to deal with CitiMortgage before you will have noticed from the experience that they are not much easy to deal with. CitiMortgage are not serious in making the process even a little simple for CitiMortgage but this is the main reason ACG is here to help you in getting the Loan Modification from your servicer that you and your family deserve.

CitiMortgage Help For Consumers

ACG has a team that can work with you to get the Loan Modification from your lender. You will have to contact only us and then you will not have to deal with CitiMortgage for getting any Mortgage Relief. Working with us will get your process going a lot faster and easier.

Call Us 888-934-3444 Today.

CitiMortgage Home Loan Modification Breakdown

What is the CitiMortgage Loan Modification Package?

If you want to get your loan modified serviced by CitiMortgage then you will be required to submit package called CitiMortgage Request for Mortgage Assistance (RMA). It depends on who the investor is so you should take care to submit the latest paperwork according to the investor; If you can consult ith either CitiMortgage or a professional it will be better for you. We have put the latest paperwork that we found on the website. ACG helps homeowners with their CitiMortgage Loan Modification process.

There are 7 Sections to the standard CitiMortgage Loan Modification Package.

Need Assistance With A CitiMortgage?


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CitiMortgage Loan Modification RMA Package PDF Breakdown:

Hardship Affidavit Application Check List

  1. Borrower Information This section will require the consumer to fill out all the personal details of the borrower and co-borrower. This section will also ask whether your property is listed for sale etc.
  2.  Property Information In this section you will put the required details about the property such as that whether the property is listed for sale or not etc.
  3. Monthly Income. You will put all the details about the total income of the borrower.
  4. Assets This section will contains the asset details of the borrower and coborrower such as 401ks etc.
  5. Monthly Expenses this section will contains all the details of the monthly expenses.
  6. General Questions This section contains soome general questions you will have to answer.
  7. Authorization This section requires your signature authorizing that everything you have stated is true etc.


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Disclaimer: Using The Wrong Form May Lead To A Denial

We provide mortgage servicers mortgage assistance package, forms, and applications to for educational purposes only. This is a sample document used to obtain mortgage assistance relief workout programs with your mortgage servicer. Prior to completing the form contact your (your client's) Mortgage's servicing department OR one of our professionals at 888-934-3444 to make sure they are sending the right loan modification or short sale package. Your home loan servicer, whether dealing with a Home Loan Modification or Short Sale (mortgage settlement, short pay off or discounted payoff) RMA Package offered on this website may not be the correct package depending on your investor. By downloading this RMA (Request for Mortgage Assistance) from our website does not guarantee loan modification assistance or any other mortgage relief programs to try to avoid foreclosure through mortgage servicer, its agents, employees, affiliates or subsidiaries. Prior to the use of any documents you should consult an attorney.

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