A little late on your payment, no problem, modify the loan: cost $1500 to ?. Don't want to do that? No problem, just pay CitiMortgage's "Delinquency Related Fees" mine was $2,400.00 (added to the late fee)+ Foreclosure threat, going on for years now. Been paying for over 12 years on less than 90k, $600 to $1000 a month. My balance: 80K......Please, don't use this rotten company, Extortion is their business.