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Citi can't tell you to go late on a payment, but some of the banks do say that which is how you end up impacting your credit. If you every miss a payment or enter into a trial loan modification and miss a payment you credit will be impacted. I have heard many stories about people trying mods on their own and I hate to say it but when you don't know what you are doing the banks take advantage of you. That is great they are offering you verbally that rate, but proof is in the pudding as many times they just don't deliver and who knows what else they will say you need to do along the way.I would have them send you the paperwork immediately to make them show you that they are really offering you that. They may back peddle and say well we have to start you in a trial loan mod. Our Attorneys have been able to get homeowners loan mods before the 12 months is up after they already executed a loan mod. In general, you do have to wait awhile before you try again. If you don't want the headaches and want a professional you can check with an Attorney to handle it as maybe they can get a better deal for which depends on your financials and hardship.We have a bunch of information that may help you at http://www.callalms.com/loan-mod-faqs
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