After a seemingly hopeful start it became obvious that Citi mort just doesnt want to help my refinance efforts. I was trying to have my home refinanced to a lower rate under the HARP program. My rate right now is 5.75%- I was hoping to get something at least close to present rates. I have a loan to value within 2%... I have a credit score of 820 and a job with the same employer almost 10 years, although its in the construction field so I'm somewhat under employed and made only $29+k last year.
They offered me a rate of 4.75%, much higher than todays going rates. Because of this high rate I couldnt qualify given my current income ( which wouldnt even be an issue under this HARP program except that because the new loan would raise my payment about $100 a month and this brings my income into the picture, thus the denial of the re-fi) I asked them to please lower this rate just enough so I could qualify, and they refuse! Bastards- I hope they go out of business, oh thats right, their too big to fail! Now that they've been paid tax payer money for our mortgages...

You're both required to uphold the terms of the loan and they're not required to modify the terms of it because you can't meet them...