Hi There,
If you have tried citi mortgage and they won't help you. There is a group that helps people refinance their homes and get out of the rising arms and interest only loans. They are new to the Ohio area but have been around for the past 17 years. This past saturday, I sat through one of their seminars so I could educate my clients about what they do. You must attend one of their seminars, and they can most definately help you refinance and get your loan in order. if you would like to meet with one of their representatives I would be happy to give you the name and number of the group. Please contact me as soon as possible and I will supply you with all the info I received. 440 341-9100 I am not soliciting your business, I am trying to help you speak with someone I know will help...

You can call the customer service number for Citi that is on your statement. Most likely they will require you to refinance in order to obtain a fixed rate. The number I have for them is: 800-753-3673. If you are interseted, I am licensed in OH, IN and ,MI for lending. My number is toll free : 866-784-0077