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Purchased a house at $250K with an 80/20 loan, both owned by some unknown entity. The Facilitator for both is CITI. This loan is not HARP eligible.I have a credit score of 800+ with six figure income. CITI will not help and I am running out of patience.With my current financials and credit score I should be eligible for a sub 4% loan.Presently I am at 6.75% and 8.48% on 80/20 loans.
Is there any programs that can help? I am not looking for principal reduction, I am looking for a resolution that I certainly qualify for. It's not my fault that someone sold my loan to a non-Fannie or Freddie company.Thoughts?
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$190K on one and $40K on the other.Talked with CITI and they advised that I need to be late before they would look at rate reduction. Due to the nature of my job I cannot have a late payment ding on my credit.
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