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The homeowners are under a constant stress as they are facing a lot of financial problems and hence are unable to pay their loans and finally loose their homes due to home foreclosure. To help them with their conditions and to save their homes the Borrower can always take the help Citi Loan Modifications. At Citi the borrowers get an immense help to save stop foreclosure and save their homes with Citi Loan Modifications. Here the homeowner who is delinquent can get the required assistance through the Citi Loan Modifications.

Citi proactively approaches its customers, that are the borrowers at-risk, and brings their loan current and helps save their homes. This is done by several steps to help the strained borrowers grow or develop the industry-leading loss easing attempts that the Citi is been trying from past two years.
1) Citi launched a Homeowner Assistance Program that targets the selected group of 500,000 borrowers whose Mortgage is held by Citi, for this the homeowner needs to remain current on their loan payments, however others may require help to remain current on their loans.
2) Citi also provides assistance to the borrowers who want to save their homes from foreclosure by extending foreclosure suspension practice. If the Citi owns the mortgage it will help its eligible customers by not initiating a foreclosure or ending a foreclosure sale. The borrower is allowed to stay in his/her home which is their primary residence and has to be in good terms with the Citi, moreover the borrower generates enough income for reasonable loan payments. Citi is working quite hard to show their efforts to their borrowers by working carefully with the lenders to get their approval and finalize the deal smoothly.

Citi regularly upgrades its Loan Modification Program to work more efficiently with delinquent loans and bring them current. It effectively calculates the payment amount depending on the borrower’s total earnings and reduces the monthly payment amount either by reducing interest rates or extending the time period of foreclosure or by forgiveness of the principal.

Citi can extend help to its eligible borrowers in a number of ways like:
- Citi includes a devoted team of personnels in the Borrower Relief Centers who proactively help their customers with loan. The mortgage experts work out to help their customers by preventing their loan being delinquent and hence protect the borrowers’ credit rating which helps them to maintain their loan current and finally save their homes. Citi is dedicated to get the best for their borrowers’ and also seeks help from investors for their consent for the loans they lend to their borrowers.
- Citi puts in hard efforts to reach its borrowers at-risk either through phone calls, e-mails, written letters, toll-free help line numbers, online internet social networking and via external expert counselors.
- Citi also provides a range of explanations for the homeowners with consistent earnings to provide them reasonable payment options to help them maintain their loan current on their payments along with their homes.

The borrower is eligible to acquire Citi Loan Modification assistance if he fulfills the following requirements:
a) The borrower needs to accurately follow the documentation procedure.
b) The homeowner should have a Principal residence.
c) He should have enough income to afford altered payments possible.
d) The mortgage should be owned by the Citi Financial institution.