drvic,If your loan is owned by Fannie Mae, starting in April you will be able to use any lender or broker of your choice. You do not need to go back to Citimortgage.
oswego,With Freddie Mac you must contact your loan servicer. FYI you will not be allowed to consolidate the 2nd. You will only be allowed to refinance the 1st.
Rate increase for FHA over 379,500 (new limit is 417k in my area)
Answer