If you are working with your current mortgage company for a loan mod. Can you apppy for HAMP at the same time?
If eligible your bank will first consider you for HAMP prior to an in-house mod. As such if you have already applied for a Modificaiton you have applied for HAMP.
Do you know who the investor is on your loan?
Citibank holds the Note
Thanks for your help...
I assume you mean Citibank is your Servicer. Do you know if your loan was FHA or bought by Fannie Mae or Freddie Mac? If so it will be very clear what your different options are...private investor loans are the ones with the biggest unknowns. Either way it will start with HAMP.