I have a second mortgage with these bandits in the amount of $82, 616.49 which I think my wife arranged several years a go. I'm not sure what the beginning amount was, because she paid all the bills. She has recently passed away and now I am paying the bills. The interest rate on this note is 9.9% which is a total scam. My payment is $736.54 of which $48.76 is for principle and the rest is interest. I have tried every way possible to reach Citimortgage without any result. I spent 28 minutes on hold today after which they disconnected me, I also tried their Web site which they say is not working at this time. All I am trying to do is possibly refinancing this note to a more reasonable interest rate. The problem is that they do not respond to any inquires.