The trouble with CitiMortagage began several years ago. I was XXXX. When the market fell apart, so did my income and I got behind on my payments. XX/XX/XXXX I started a new job at the company that used to sell me my materials. This job is indoors and offers consistent pay regardless of weather and the construction market. XX/XX/XXXX we started the process for a re-modification on our home. We were approved as of XX/XX/XXXX and set to make three ( 3 ) months of trial payments thru XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. After completing this process we found that we had been denied due to some missing paperwork. A sale date of XX/XX/XXXX was set at this point. I complained to them about the fact that we had responded to everything they had sent in a very timely manner and that we had never received the papers they were referring to. They then sent the paperwork out, we had them signed and notarized and sent back in the same day. Then they told us that the previous paperwork had expired and we would need to refile everything we had done. She sent me the list and I got everything they requested sent off that same day. This all took place in XX/XX/XXXX. It was not until XX/XX/XXXX that they came back with an official denial of the re-modification. The reason they gave was that since I had to file for a re-modification twice in the same year they believed my situation had not changed. I was fully capable of making the payments and had done everything asked of me. It feels as though I am being bullied out of my home of 13 years. 
At the time of denial i was told that a short sale was approved. I contacted my realtor and we found a buyer and asked for a postponement in order to close. They have now denied the postponement claiming that I am not approved for a short sale. This was an FHA loan and I have been told that if a re-modification was denied that I am automatically approved for a short sale. 
