It was XX/XX/XXXX that one of so call Citimorgage representative called and faxed congratulating me that, the HOME AFFORDABLE MODIFICATION PROGRAM that I had applied, has been approved. He said that, I have been approved for an interest rate of 2 % for the rest of the loan peroid, as long as I own my house. He said, all I need to do now is to make three ( 3 ) trail period payment plan, every month of {$1100.00} and at the end of the trial period, I will have to make additional payment of {$1100.00} for the closing cost. He said each payment however, goes towards my mortgage payment, therefore, I should concentrate making these three months trail payment. He said these payments can " only be received through XXXX or XXXX XXXX, which means that it 's only this ways I can send the money in, inother to fullfil the criteria and therefore, it is a different department that is handling this program. There and then, I started to wounder and suspect, if this is real or is this legitimate or Fraud Scam thing. He said they will forward every transation docs. papers to the office and my account will be updated by next Monday XX/XX/XXXX. 
